23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Demand for Resolution Violation of Consumer Law and Wrongful Repossession I am writing to formally address a serious matter regarding the wrongful repossession of my vehicle, a XXXX XXXX XXXX XXXX  VIN : XXXX, associated with account number XXXX. The events in question transpired on XX/XX/XXXX, involving XXXX XXXX XXXX XXXX XXXX XXXX and WestLake Financial, and have raised significant concerns about violations of both Florida law and federal consumer protection laws. 

On the aforementioned date, an individual named XXXX from XXXX XXXX XXXX XXXX XXXX XXXX unlawfully took possession of my vehicle from parking spot XXXX without a valid repossession order. I had previously communicated with WestLake Financial and confirmed that no repossession order was in effect. Despite my efforts to retrieve personal items from my vehicle, the situation escalated when the XXXX XXXX XXXX intervened, ultimately forcing me to surrender my car key under duress. 

Throughout this ordeal, I have consistently received incorrect information regarding my account balance, which has contributed to the mismanagement of my vehicles repossession. Furthermore, I have not received any written communication from WestLake Financial indicating the new balance on my account or the specifics concerning the repossession process. This lack of transparency is a violation of consumer protection laws that require financial institutions to provide accurate and timely information to their customers. 

After enduring numerous difficulties and delays, I was finally able to schedule an appointment on XX/XX/XXXX, to reclaim my vehicle. To my dismay, when I arrived at XXXX XXXX XXXX XXXX XXXX XXXX, I was confronted with unexpected cash fee requirements and discovered that my vehicle had sustained damage during this wrongful repossession. 

I have meticulously documented the entire incident, including photographs of the damage to my vehicle and a police report, which clearly indicate the wrongful repossession, breach of peace, and violation of my civil rights. It is evident that the repo agent collaborated with local law enforcement without conducting a proper investigation, leading to this unlawful seizure of my property.

In light of these violations, I hereby demand the following : 1. Immediate reimbursement for the damages incurred to my vehicle during the wrongful repossession.

2. A written explanation of the account balance and any fees associated with the repossession.

3. The immediate return of my personal belongings that were not retrieved from the vehicle.

4. A formal acknowledgment of the wrongful repossession and a commitment to ensuring such incidents do not occur in the future.

Please be advised that if this matter is not resolved to my satisfaction within 14 days of the date of this letter, I will have no choice but to pursue legal action to protect my rights as a consumer and seek compensation for the damages and violations I have suffered. 

I hope we can resolve this matter amicably and promptly. Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 my son 's wallet was stolen from his work. In it was my Home Depot ( Citi ) credit card, his debit card, his driver 's license, and his credit card. His credit card and debit card were used in XXXX WA for purchases of {$550.00}, {$100.00}, and {$41.00}, for a total of {$690.00}. All of these charges were dismissed and credited back to my son 's cards. My Home Depot credit card was used at the self-service checkout at the XXXX XXXX XXXX XXXX XXXX XX/XX/2022 for purchases of {$500.00}, {$150.00}, {$300.00}, {$270.00}, and {$320.00}. On XX/XX/2022, my Home Depot credit card was used at the self-service checkout at the XXXXXXXX XXXX XXXXXXXX XXXX for purchases of {$170.00}, {$170.00}, {$210.00}. The charges total {$2100.00}. I rarely use this card, and my son has had it with him -- with my permission -- for several years, using it only for home repairs, as he was renting my house. He has never used it outside our intended agreement. As soon as I noticed that my card had been used for fraudulent purposes, I contacted Home Depot to report the fraudulent charges, and they removed the charges from my account, cancelled that card, and sent me a new one with a new account number. A couple months later, the charges reappeared on my bill, noting that their fraud department determined that I am responsible for the charges, because I gave my card to an " unauthorized '' user. I reopened the claims, sent them more information supporting my claim of fraud, and they sent me more letters telling me their fraud investigation concluded that I was responsible. On approximately XX/XX/2022, I contacted the XXXX ( WA ) Police Department and filed a police report. An officer followed up with me and I provided him information regarding the fraudulent charges. I then contacted the Home Depot fraud department and let them know that I had filed a police report, giving them the case number and officer 's name. I informed them that I would not be paying any more on toward these fraudlent charges and said I'd be filing a report with the credit bureaus, which I am doing now. My son 's cards and my card were used to commit a felony. Furthermore, it is VERY CLEAR, from one quick look at my credit score and historical use of the Home Depot credit card, that I take my credit use seriously and monitor the use of my cards diligently. I should not be liable for these charges.
Product: Credit card

In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point.
Product: Payday loan, title loan, personal loan, or advance loan

I have taken out a loan with Ace Cash Express few years back and I have paid it in full through XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I have the attached document confirming it. Since then I have received notifications including text from debt collectors contracted by Ace Cash Express. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX email address : XXXX XX/XX/XXXX - received a call from XXXX XXXX XXXX XXXX XXXX wanting to speak with me or my attorney in regards to pending legal matter. The voicemail came from XXXX ( XXXX XXXX ) and asked me to call XXXX. Email address : XXXX XX/XX/XXXX- received a text from ( XXXX ) XXXX stating and I quote " We have an important legal mater that directly concerns you. Call us directly at XXXX and refer to file # XXXX. Email address : XXXX I called both company and sent them a copy of document stating that I have paid my balance in full through XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX, I checked my mail and received a letter from XXXX XXXX XXXX regarding a civil lawsuit and they represent Ace Cash Express. I have called them and yet explained again that I paid my balance in full with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. They stated that they would closed my case but I have not received an email confirmation. 

I hope you help me make this harassments stopped.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, using the XXXX XXXX XXXXXXXX XXXX XXXX I submitted the ACH transfer request with the following details : ( XXXX ) From : Charles Schwab Bank Checking Account, ( XXXX ) To : XXXX XXXX Savings Account, ( XXXX ) Amount : {$25000.00}, ( XXXX ) Transfer Option : XXXX business days. 

On XX/XX/2024, amount of {$25000.00} was debited from my Charles Schwab Bank Checking Account. 

After that, the money is still missing. 

On XX/XX/2024, I called XXXX XXXX to figure out where my money is located. The banker on the phone investigated, and they told me that they do not see anything on their side. So, they advised me to call Charles Schwab Bank to resolve the issue. 

On XX/XX/2024, After I talked to XXXX XXXX, I called to Charles Schwab Bank to request an investigation. The Charles Schwab Bank representative told me that the money was debited and delivered to XXXX XXXX. They also mentioned that there is no returned transaction, so they claims that it needs to be resolved with XXXX XXXX XXXX. They gave me the ACH Trace ID for reference. 

On XX/XX/2024, I visited a local XXXX XXXX branch and requested help with the information I have. I showed them the ACH Trace ID and Online Transfer Confirmation Email. The banker called their back end system person, and they figured out that the transaction was cancelled for somehow on the same day I requested transaction ( XX/XX/2024 ). The reason for cancellation is unknown. 

If the transaction was cancelled, then it should have been returned to Charles Schwab Bank Checking Account by now. The Charles Schwab Bank claims that the transaction was not returned. So, my money is still missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from AMEX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact American Express. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted American Express Fraud department to be transferred to Application services. They confirmed an application was received and approved. American Express has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.
Product: Mortgage

I have been disputing my account balance for years now because the balance isnt matching up with amounts paid, the balance is incorrect, i requested debt validation and they sent me what they had but then stated that they could only send me what info they had while they serviced the account, which means they are missing 6 years of payments, fromXXXX through XX/XX/2012, which means this debt can not be validated and they have willfully non complied for at least 8 years of them servicing the loan. They also refused to stop billing or reporting this account while i am disputing the account balances.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX are sharing my personal information with third party companies on the promotion side soft inquiry which allows companies to review my credit report without making a hard pull which is a direct violation of my privacy rights under 5 USC 552 ( a ) and the privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXXXXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and fraud. FTC Report XXXX : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities. 

While XXXX has made some effort to make corrections they have not made all of them. 

Similarly XXXX has made some corrections, but not all of them. 

Transunion has made no effort. In fact, unless I pay them {XXXX} I'm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {XXXX} fee. To this date they are difficult to work with, to the point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than XXXX somehow magically finishing their investigations on the same day I disputed the inquiry ... even if I disputed at XXXX at night! XXXX : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed these collections several times with XXXX, XXXX and Transunion and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.
Product: Student loan

I enrolled at XXXX XXXX, under the premise of a better opportunity and advanced learning. Once enrolled I quickly saw how the institution was a joke. Teachers passed you with no problem as long as you showed up for class. I did not want a free ride, I actually wanted to learn a skill that I could utilize in the work field. Once I saw this I began to look elsewhere for schooling and then learned the bulk of my credits were non transferable, and that most employers do not consider XXXX an accredited school. This is not the message I was given when I enrolled. I was told how employers consider graduates the cream of the crop and finding a job would be no problem. Once I left I then could not enroll in another school due to the fact I now had tremendous debt from my time at XXXX. The loans taken out were predatory with outrageous interests rates, which I learned most of the students end up in default on. My credit has been largely affected due to delinquent payments and I see no clear way out in sight. XXXX is very corrupt and dishonest with the facts stated in order to coerce students into enrolling. Exaggerated graduation and job placement rates, as well as knowingly convincing students to take on huge debts that they will more than likely not be able to repay. These actions should be criminal. Now I am constantly being called and harassed by XXXX Private loan, the agent assigned to my loans with exasperated demands of payment. There must be something done to assist the thousands of students like me who simply wanted to better themselves and we 're taken advantage of.
Product: Debt collection

Credit Corp Solutions on behalf of XXXX XXXX dba XXXX XXXX is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. XXXX XXXX failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .
Product: Credit reporting

In the process of submitting my request I was told by both XXXX and experian : " something happened and we are unable to process your request. ''
Product: Credit card

Over the month of XXXX 2016 I made several online payments to my Amazon Chase credit card only to find none of these payments were credited to my account. Today XXXX, XXXX, 2016 I made XXXX payments of {$160.00} each again getting a confirmation of payment but no secondary message to my email per arrangement. I returned to the Chase credit card payment site and it indicates no payment having been made. I suspect systemic fraud by Chase to continue to assess interest on outstanding balance even when payment is made.
Product: Credit reporting or other personal consumer reports

The public record on credit report is inaccurate
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered fraudulent account that I did not initiate. 

account XXXX XXXX account number XXXX date opened XX/XX/2021 balance XXXX $ This unauthorized account have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent account as it may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of this account has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of this account from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious account in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
Product: Student loan

Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Product: Credit card or prepaid card

I purchased an item from XXXX for XXXX on XXXX and was given a tracking number that day, with expected delivery XXXX. the tracking never updated and it appeared that maybe the package had been lost. i disputed the charge with my Apple Goldman Sachs card on XX/XX/12 and today the dispute was resolved in favor of the merchant, stating that I had received the item, even though it's very clear from the tracking that i did not receive the item. i reopened the dispute but am not confident that they will resolve it this time either. 

XXXX is the USPS tracking number
Product: Checking or savings account

I went to the citizens Bank to cash my cheque they said I have to wait 3 days even it's a cheque from my met life. When I go to them after 3 days the said have to wait 4 more days. When I went to there after 4 more days they said I have to wait more. They are sooo rude to me.