23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received a email notification saying that my banking information was changed via my online banking account for my BofA account. I also got an email notification that somehow, my debit card info was added to another account not related to me. Later on in the day, {$1400.00} was moved out of my account and I immediately called BofA on XX/XX/XXXX. I stated that money was moved out of my account that was not mine as the account numbers were not any I owned and the representative told me that my email was in fact changed and someone had my login credentials and thats how they were able to move money out of my account. I told them I wanted my information changed and they helped me. They opened a claim and said I would get a letter notifying me of the outcome. 

On XX/XX/XXXX, I received a letter notifying me that BofA deemed the transaction legit and was done by me when it was not. Even when I told them that the account number it was sent to was not mine and to check the IP addresses that were used to see where it came from as XXXX sure everything done is digitally recorded, I was still deemed liable for fraud that was done on my account. 

On XX/XX/XXXX, I called and asked for information as to why my claim was denied and the representative told me that BofA deemed it was I who did the transfer. When I reiterated the information I had ( emails I got, logs, etc ) they told me I had to wait 30 days from the day the letter was created to refile a reconsideration. I had to wait until XX/XX/XXXX to do that. 

On XX/XX/XXXX, I called again to put in my reconsideration and was told that the previous representative that helped me failed to even note down on my file what I said and gave me false information saying that I had to wait a month to file for a reconsideration. 

I am still without my {$1400.00} that was taken away from me due to fraud. BofA has been previously found negligent in protecting their consumers prepaid cards and have been sued already for it. They do not honor their policy of zero liability for fraud and do not protect their consumers. I have already began preparing documents to serve BofA in small claims court if they deny by reconsideration. I have done my due diligence by calling to put in claims in an orderly fashion, gathering information, and giving relevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing again to address a paid collection showing on my Experian credit report. The account is from XXXX XXXX for a closed XXXX account that is over 7 years old. In investigating with XXXX XXXX and XXXX it was determined that the account was sent to collections because bills were sent to an incorrect address. I paid the account and would like the instance removed from my account. Experian 's reasoning for not removing the account when all other reporting bureaus have is that that may interpret the law differently. I would answer that by pointing out that jails are filled with people who had differing interpretations of various laws, it does not absolve them for not governing themselves accordingly. Alternately, if it will not be removed in answer to this complaint I would like exact instructions on what steps I need to take to have the item removed under whatever Experian perceives the situation and law to be.
Product: Debt collection

I received a phone call stating that a court order would be sent to charge me with a worthless check. I called to find out more and was told it was for a company named " Mobile Loans '' and the loan was taken out in XXXX. I told XXXX XXXX, the woman in charge of my account, that it was not my debt and she told me that I had to either make a settlement payment or go to court. I then asked her to send me validation of the debt as it was not mine. I then asked her what address she had on file and she gave me an address in a whole different city. The call was then disconnected. I then called back and was told that they did not have the ability to stop the court proceedings unless I paid. I asked to speak to a XXXX and that is when the " Legal Department '' came to the phone. This women was XXXX XXXX XXXX Once I told her the situation she told me to " have fun being XXXX again and enjoy court ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX  have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt removed from my credit report.
Product: Vehicle loan or lease

Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by THIRD party closing agents. 


I was charged by the third party closing agent A cash amount which I a violation according to 15 usc 1605
Product: Mortgage

Mortgage company was XXXX and my loan was sold to Midwest loan services. No notification was sent to XXXX XXXX  about new servicer so they billed XXXX  for premium. when XXXX payment was received I got a notice of impending cancellation. I contacted XXXX and they tried to issue a check but it arrived late and XXXX  dropped my Insurance and will not rewrite. Midwest loan services says its my responsiblity to notify insurance of sale and new company. Now there has been a gap in Insurance and XXXX higher risk due to some claims I can't find a reasonable provider for insurance. I feel this has happened due to negligence of 1 or both of the mortgage companies. I think its a scam just to be able to impose forced insurance??
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXX. XXXX Account # XXXX Legal Basis for Dispute : The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided. 

XXXX. XXXXXXXX XXXX  Account # XXXX Legal Basis for Dispute : The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided. 

Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt XXXX constitutes a violation of this statute. I demand the immediate removal of this account. 

Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately.
Product: Debt collection

XXXX REPORTED ON MY CREDIT ON XX/XX/year> {$960.00} XXXX REQUEST SOME ADDITIONAL INFORMATION THEY CAN'T PROVIDED THEM AND I CONTACT THEM THEY CLAIM THEY ARE NOT RESPONSIBLE FOR THIS COLLECTION
Product: Money transfer, virtual currency, or money service

I am filing a complaint with cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax do not allow for convenient uploading of documents to dispute errors. On multiple occasions, I've tried to upload documentation to their dispute portal to prove that there is an error on my credit report, but the system never works. The documentation can't be uploaded and, you get an error message. The error message recommends and option to file without documentation, which you can't actually provide. Then 30 days later, and as a result of not being able to upload the documentation, they side with the company showing the incorrect information. How am I to prove that the information is in correct, if I can't attach/include the documentation that would show the incorrect amount? 

The onwnus is on the customer to prove the company is incorrect. But the customer can't prove it easily and the company is not going to be truthful. Ever. You are wasing the customers time and extending the impact the incorrect information has on a persons credit report and rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX consumer report and discovered AFNI , INC has opened up an account in my name fraudulently without my authorization violating my rights under the FCRA 15 usc 1681, a federal statute that governs the accuracy, fairness and privacy of consumer credit information and outlines the requirements of consumer reporting agencies and the procedures for investigating and correcting inaccurate information in which have been violated per 15 usc 1681b ( a ) 2, 15 usc 1681 s-2. I have not initiated any transaction with AFNI INC . This account on my consumer file is damaging my reputation and character and causing harm to my financial standing. Unless they can provide proof of a signed contract between me and AFNI , INC I demand deletion of this account immediately. AFNI , INC has knowingly transferred, possessed, or used, without lawful authority, a means of identification of me which is against the law. As a federally protected consumer I have a right to privacy and my consumer rights have been violated.
Product: Debt collection

On XX/XX/2019 i received an summons. i was being sued by medical recovery services. On XX/XX/2019 i personal went to the office of XXXX XXXX XXXX XXXX XXXX XXXX, pllc. They explained the debt i owed and the fact that I now owe filing fees, attorneys fees, and legal interest. I paid {$630.00} for everything. On XX/XX/2019 my wife filed chapter XXXX bankruptcy. 
On XX/XX/2019 i received an email from XXXX  saying a new collection account was added to my credit. After reading the email and looking at my credit report. I already paid this account. On XX/XX/2019 I called medical recovery services and they refused to give me information on a collection i already paid. I then filled 2 desputes with XXXX and they keep telling me i owe the debt. This debt is causing a negative impact on my credit for every month that goes by its saying i haven't made any payments.
Product: Debt collection

On XX/XX/2020, Phoenix Financial Service added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Phoenix Financial Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Product: Mortgage

I have XXXX  of dollars of " unapplied funds '' in my account. Despite this, the company refuses to apply the money and now has sent me a foreclosure notice. HUD gave the company {$3900.00} for my loan, but it is just sitting there. I have called numerous times, and each time they " don't know what I'm talking about. '' I have escalated the situation and talked to one staff member who was encouraging and I thought would help, but never called me back. I tried to reach a manager, I was told I would get calls many times. No one ever called me back. The one person I did talk to even said there was something on my account about " winterizing '' my home. I have lived in my home continuously since XXXX  and it has not been unoccupied or winterized during that time. The company refuses to look at my account and apply funds, especially the HUD funds of {$3900.00}. When speaking with the company, they say they don't see those unapplied funds but I see them very clearly in my account and signed all paperwork with THEIR notary public to have these funds applied to my mortgage. 

XXXX {$160.00} Unapplied Funds XXXX {$3900.00} Unapplied Funds XXXX {$1000.00} Unapplied Funds XXXX Unapplied Funds XXXX {$1000.00} Unapplied Funds XXXX {$800.00} Unapplied Funds
Product: Mortgage

We are involved in an active state mediation program with Bank of America. The attached statement from Bank of America indicates that the loan is in the foreclosure process on page XXXX and XXXX. On page XXXX indicates that Bank of America , N.A . has made the first notice or filing required by law for foreclosure. This is a dual tracking violation to be threatening foreclosure while we are in active mediation. 
Please cross reference with previous complaint case against Bank of America, case # XXXX.
Product: Student loan

My name is XXXX XXXX and I 'm contacting you because I like many millions of other college graduates that are suffering in Student loan debt -especially from a For-Profit College that defrauded all of its students- wish to complain about XXXX and EDMC. 

Recently there was a Federal lawsuit against the Parent company ( EDMC ) of the college I attended ( XXXX XXXX of XXXX ) from XXXX graduated with XXXX and over {$80000.00} in debt. Its Parent company EDMC was sued for fraudulent practices/recruiting/using federal aid for CEOs/Shareholders/recruiters bonuses instead of helping students, predatory lending practices, stealing GI Bill money from students, etc ... and they won {$11.00} XXXX dollars from EDMC. 

I was lied to about their job placement numbers as well as the true total cost of my so-called quality education. Also they were predatory in recruiting and they pressured me into keep signing for more student loans, federal and private. The education I received there was sub par at best and I feel was n't anywhere near worth what it cost to get my soon to be worthless degree. The lawsuit money that was won should go to the students who are the real victims not to the government for more wasteful spending. It should go to the people, this country was built upon a government for the people by the people, not for the wealthy or for the money by the money. I have almost all my records while I attended XXXX XXXX of XXXX. 

We want the settlement money to erase all our student loans as well as have all money refunded that has been paid on the grounds of the fraud the schools committed based on the judgement in the US Government lawsuit. Below are links to the site for the petition about the lawsuit and the debts former students are drowning in along with many other source sites. Many of us have begun to contact elected officials, State Attorney Generals, and looking into going after them. 

Now EDMC is closing most of its schools throughout the country and just as the XXXX XXXX closures opened everyone 's eyes to the thousands of people drowning in debt from attending this fraudulent school that should receive refunds as well as all student debt erased based on everything that has happened. 

Read the comments listed on the site with the petition and you will see what I 'm talking about. This money should go to all of us who are still stuck with this debt from a school that played us all for fools. 

Thank you for your time. 
XXXX XXXX Below are links for almost everything regarding EDMC/XXXX. 
XXXX
Product: Consumer Loan

I began leasing a VW XXXX in XXXX 2015. The XXXX month lease payment for XXXX 2015 of {$350.00} was paid and collected at the dealership. The XXXX payment, which was due in XXXX 2015, was submitted as XXXX Time electronic EFT payment via the VW Credit website with payment being drawn from my checking account. At this time, I also set up auto-payment for the lease payment to be debited from my checking account on a monthly basis. 
At the time I submitted the XXXX 2015 payment via VW 's online system, I received an email confirmation that the one-time EFT payment was successfully submitted ( I have copy of the email confirmation ). At this point, I assumed that the XXXX 2015 lease payment was paid, and the Auto Payment would begin with the XXXX or XXXX 2015 payments. And, I never received any further email communication that the XXXX payment was not properly processed on by VW Credit. The only email communication I received was the attached confirmation that the payment request was received and scheduled. 
I was out of town for nearly three weeks in late XXXX and early XXXX 2015. When I returned in, there was a letter from VW Credit stating that there was a problem processing the XXXX 2015 EFT payment and that I should XXXX-check the bank account information and try re-submitting online payment -- or send a paper check ASAP. I immediately re-submitted the XXXX and XXXX 2015 payments together via VW 's online system and a few days later I followed up by phone to confirm that the payment was received. 
In XXXX 2015, I XXXX checked my credit scores in light of the fact that I was planning to apply for a commercial mortgage, and I noticed that my credit scores had dropped from approximately XXXX to the XXXX 's because VW Credit had reported the XXXX 2015 lease payment as being more than XXXX days late. 
My credit report has never shown a delinquent or late payment, and my credit score has been historically in the XXXX range. Due to this reporting by VW Credit, my loan application is being priced at a higher interest rate. 
Therefore, I am formally appealing this credit reporting action and submission by VW Credit based on the fact that the XXXX 2015 payment was properly submitted by me via VW 's EFT system, and, at the time I submitted such payment, the payment was not 30 days late. I had assumed by the email confirmation that I received that the EFT was submitted and being processed by VW Credit. I received no further email communication that VW Credit was having problems processing the payment request. I also did not receive the VW letter letter until I has returned home in XXXX. 
I am requesting that this 30-day Late Notice be rescinded and that the Credit Reporting agencies be informed of this action. I submitted this information to VW Credit on XXXX XXXX, 2015 and requested a correction. On XXXX XXXX, 2015, I received an email message from VW Credit refusing to acknowledge that VW Credit made an error in processing my EFT payment and failed to notify me in a timely fashion.
Product: Debt collection

The first concern is the reported charge-off on my credit history. I believe this charge-off may be inaccurate and does not comply with the legal requirements established by relevant regulations. These regulations outline specific criteria that must be met for a charge-off to be included on a credit report. In this case, I believe those criteria have not been adhered to. Therefore, I respectfully request a review of the reported charge-off.

This account has been Consolidated and I sent evidence of the consolidation.
Product: Credit card or prepaid card

Have a credit card with Kohls/Capital One and no longer work for Kohls and Ive had nothing but problems trying to get them to work with me on the card I am but I have not been employed with them and I was on an unemployed since XXXX of this year and theyve closed my account charge interest fees late fees all sorts of fees and refused to work with me on my credit report now I cant even rent a place to live because of the damage that Kohls has done for a credit card I cant find a place to live thats pretty sad they wont work with me they wont even offer a settlement my limit is XXXX and theyve done charged me an extra {$170.00}
Product: Credit reporting or other personal consumer reports

I did not authorize this company to run my credit!! I did not live that the address pertaining to this credit check therefore it is considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

( REMOVE THE LSITED ACCOUNT IMMEDIATELY OFF OF MY CREDIT REPORT DOESNT BELONG TO ME AN IS BEING REPORTED INACCURATELY! ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX  XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws.

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/1995 XXXX XXXX of XXXX