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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. XXXX requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.
Product: Debt collection

XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, CA. XXXX XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Federal Trade Commission and XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX, XXXX, File # : XXXX FROM : XXXX XXXX XXXX, Consumer RE : CASE NUMBERS BELOW WITH CFPB Case Number Company XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX Summary Chronology of My Complaint Against Asset Recovery, XXXX XXXX   XX/XX/XXXX, my husband passed. 
XX/XX/XXXX, my account with XXXX XXXX/XXXX XXXX became delinquent, I engaged an attorney to file bankruptcy, XX/XX/XXXX, I changed my mind and decided to handle the delinquent credit on my own, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, SOLD my account to Asset RecoveryXXXX XXXX, XX/XX/XXXX, I negotiated verbally with, XXXX, Ext XXXX, Asset Recovery, XXXX XXXX, ( 2 Names, Same Company ), to pay {$250.00}. per month toward {$22000.00}, until the balance was paid off. ASSET RECOVERYXXXX XXXX, 2 NAMES, SAME COMPANY, deducted {$250.00}. every month from my XXXX XXXX XXXX account, beginning XX/XX/XXXX. I made the first payment by check XX/XX/XXXX, for {$250.00}. ( I have sent you those records ). Asset Recovery, XXXX XXXX, 2 names, same company has deducted payments of {$250.00}. for 52 months, 4 years and 4 months to date, totaling {$13000.00}. toward. {$22000.00}. My balance with Asset RecoveryXXXX XXXX, should be {$9100.00}, but they have indicated a balance of {$19000.00} I did not know the following law : California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 
Consumer Debt in California Debt Collection, Settlement, Regulations XXXX XXXX XXXXXXXX I would not complain except, Asset RecoveryXXXX XXXX , 2 names, same company, has not given me credit for all of the payments I have made, which total, {$13000.00}, and they have CHANGED the amount I agreed to pay with their representative, XXXX, from {$22000.00} to a higher amount of {$26000.00} with interest, climbing at one time to {$26000.00} with interest. They have also CHANGED their reporting to the 3 Credit Agencies by dropping their name of Asset Recovery and the beginning date of XX/XX/XXXX for this account, with all of the consistent monthly payments I have made, and they began reporting XX/XX/XXXX under the name of XXXX  XXXX   ONLY, with a new beginning date of XX/XX/XXXX for the charge off as if this is a new account. It is not. My account with Asset Recovery, XXXX XXXX,  began in XX/XX/XXXX, under Asset Recovery and it continues to date. They, Asset Recovery, XXXX XXXX, 2 names, same company, continue to deduct {$250.00}. from my bank account to date, 4 years and 4 months, beginning XX/XX/XXXX to date for the same one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.
Product: Money transfer, virtual currency, or money service

Money Network Prepaid Debit Card, moneynetwork.comXXXX, refuses transfer of funds to my online checking banking account XXXX XXXX XXXX. Spoke with customer service employee named XXXX Tues XX/XX/XXXX @ XXXX @ XXXX PST who stated funds can only be transferred to bank that have physical buildings, no online banks, ie XXXX  or XXXX  or XXXX XXXX XXXX Cardholder Agreement policy does not state the exclusion in their policy. CA XXXX recently changed XXXX XXXX  from XXXX XXXX XXXX to Money Network as of XX/XX/XXXX. XXXX had no problem transferring funds to my online checking account XXXX XXXX XXXX as there is an routing & account # and participates in ACH bank transfer. Attempted money transfer XXXX days in a row with same error message. Attempted to transfer funds in an amount that is smaller than my account balance and error message still received.
Product: Prepaid card

I bought XXXX gift cards from my local grocery store XXXX XXXX XXXX part of XXXX ) issued by US Bank on XXXX XXXX, 2015. Each gift card was loaded with {$500.00}. 
Within a week of so of loading, the money was already drained from the card fraudulently. I filed a dispute with US Bank, the issuer of the card the moment I realized the theft. US Bank did not ask me to fax in copies of receipts until XX/XX/XXXX, which I did promptly. 
So far, the only response I am getting from US Bank is we are waiting to hear back from the retailer where the funds were used.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the Accounts opened fraudulently and reported fraudulently the accuracy and legality of certain Accounts on my credit report. I am also exercising my right to opt out of your reporting services. The items in question are : Accounts : XXXXXXXX XXXX XXXXXXXX - Date Reported : XX/XX/XXXX XXXX XXXX XXXX - Date Reported : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - Date Reported : XX/XX/XXXX XXXX. XXXX XXXX - Date Reported : XX/XX/XXXX Inquires : XXXX. XX/XX/XXXX XXXX TransUnion XXXX. XXXX XXXX TransUnion XXXX. XX/XX/XXXX XXXX TransUnion XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX TransUnion XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX TransUnion XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As a consumer, I have the right to ensure that my private information is not shared without my consent, which is further supported by 15 U.S.C. 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Furthermore, 15 U.S.C. 1681, section 604 ( a ) ( 2 ) states that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer. I have not provided my written consent for the furnishing of this information, and any implied or verbal consent is hereby revoked.

Specific Accounts in Dispute : The listed items are being reported without my permission, which is against the law under 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Additionally, these accounts are adverse items reported without my consent, violating my rights under the aforementioned statutes.

Conclusion : I am opting out of your reporting services as per 12 CFR 1016.7, which states that a consumer may exercise the right to opt out at any time. I expect their immediate removal and an updated credit report to be sent to me.
Product: Credit reporting or other personal consumer reports

I was monitoring my credit score evening of XX/XX/year> and noticed my score had decreased. I then noticed that a XXXX XXXX XXXX XXXX  XXXX was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called XXXX XXXX credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. XXXX XXXX credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on XXXX.
Product: Credit card or prepaid card

My former request for you to make sure you present me along with the info as to whom you chatted to like the addresses and names of the person or persons got into contact with has unfortunately not even been filled. At the moment I am looking for a lawsuit and also have started the whole process of calling legal " counsel ''. I'm seeking for one final time that you still generate me making use of the important information that has been recently asked for and in addition to that make sure furnish me with a copy of the agreement settled or voice chat where I signed up charging me from this account.
Product: Checking or savings account

I called the banking institution on XX/XX/19 to see why my account was negative. I spoke with a agent who stated it was because If a transaction totaling XXXX. He stated it hit my account at XXXX even though I used the XXXX service on XX/XX/19 when my direct deposit hit. The agent said he didnt know why the delay was but some merchants would take a few days. I said ok what will need to be done? He stated I could make a deposit before XXXX and I would not incur a fee. I did as instructed and my account was positive thinking that fixed the problem. I check my mobile banking today and saw a NSF which posted today, I called today XX/XX/19 and spoke with XXXX who went back and forth with me saying my account was not positive even after I stated what was said and that my account was positive. After going around and around I asked for a supervisor. He stated the supervisor was on another call and to hold on. He comes back to say the supervisor said he could do a partial of XXXX seeing as how I have gotten XXXX reversals this year. I only asked that the mistake on the banks or systems part be acknowledged because I did what I was supposed to do, in making the account positive. I was hung up on, and when I called back I got XXXX who did not want to tell me it was him, but I was eventually connected with a supervisor, the supervisor or whomever he was- stated I declined the partial and I said yes because it was not my fault and all I asked is for someone to take responsibility for the error. He tells me that I had gotten XXXX reversals well A LOT as he said, and there was nothing more that could be done. XXXX insulted my intelligence and then to be told that I had gotten a lot of reversals? To me this was unacceptable. I valued my relationship with BBVA but the experience today made me feel like XXXX. I have never had a issue with the bank and they had always made me feel like they cared in the times past whenever I had a issue. I told the supervisor I didnt want them to do it for me, all I asked is they they admit they made a error. The banking relationship is damaged at this point.
Product: Checking or savings account

*As the Bank has refused to address matters previously described in 2 PREVIOUS COMPLAINTS... ( a ) Unresolved issue in complaint # XXXX, ( b ) redress in # XXXX .... This is a third attempt to resolve disputes with charges in a closed acct* **As detailed in Feedback to initial impotence '' Partial satisfaction .... ( a ) yes the company provided the 45 day transactions, as requested... ( b ) yes the company provide the desired wire transfer medium... ( c ) However, it is 110 % the Business practices/governance that poured gas on an already burning issue. ( d ) It is 110 % of the compay 's failure to perform this very remedial customer servicing task that created undue burden and hardship on a customer 's financial mean to live. ( e ) It is 110 % of the company 's ineptitude to acknowledge the customer was/is a victim of some financial crimes and Axosbank as a fiduciary of that customer 's issues, failed miserably in being THERE, supporting a customer... Instead, the Company was an antagonist to a customer 's interest. Lastly, there are 3 disputes that must be registered, worked out and processed accodingly.. ( f ) XX/XX/2021 XXXX {$100.00} **The vendor is refunding the amount and that amount should be wired to the desired routing/acct # given in the provided for for ( b ) ( g ) XX/XX/2021 XXXX {$750.00} ** Disputed for failure to provide services. XX/XX/2021 XXXX {$790.00} **Disputed for unauthorized charge. ** XX/XX/2021 BlueHost {$100.00} <~~ Where is that refund XX/XX/2021 XXXX {$750.00} XXXX No services provided XX/XX/2021 XXXX {$790.00} XXXX Unauthorized charge XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor Where in the XXXX is my $ $
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 To Discover Bank Form 1099-C Cancellation of Debt I recently reviewed my credit report and seen that you say I have an account that is listed as a chargeoff, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit reportbecause it is considered income and only debt can be reporting on my credit report. Your company is trying to collector having a charged off status. 
I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681e ( b ) you are reporting information that's not 100 % accurate. The IRSdirected me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Account name and number Discover Bank - Account number XXXX Thank you for handling this matter XXXX XXXX
Product: Mortgage

I lost my home in XXXX due to not being able to get a loan modification through wells fargo. I tried in XXXX - XXXX - XXXX and this is my 2nd time filing a complaint with the CFPB. After over 2 months of waiting for my issue to be reviewed and resolved they tell me that they reached out to me with no further contact and closed the case. They gave me no information to say why a follow up letter was not sent on any of the 3 times I filed for loan modification. I would send the requested info and I would call them asking for updates only to be told they lost it or were missing a page or two. I have emails and paper work from law offices and my realtor at the time showing where they sent info for loan modification. I talked to wells Fargo rep XXXX XXXX who advised me no additional info needed to be sent and then she says they tried to contact me all 3 times I tried for a loan modification but they provided no proof showing this. They haven't tried to help in any way and still continue to lie about assisting me. their common response is always deny they received anything and to delay the process and this has being going on for years. I have attached emails and fax confirmation s from my realtor XXXX XXXX in XXXX and the law firm I worked with in XXXX. I am also contacting them for all records concerning wells Fargo in my case. XXXX XXXX of XXXX XXXX in XXXX Tx # XXXX XXXX and XXXX XXXX was XXXX realtor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, Equifax, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. Despite diligent efforts on my part to rectify discrepancies, the inaccuracies persist, impacting my financial standing and consumer rights. I have diligently contested the inaccuracies present within the information provided to XXXX, Experian, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report Experian : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report
Product: Debt collection

I had my Student Loans account with XXXX and I never missed a payment. When my loan was transferred from XXXX to XXXX XXXX, the monthly payment was increased from {$190.00} on XX/XX/XXXX to {$390.00} on XX/XX/XXXX. I contacted XXXX several times and each time I was informed that the new amount was due to the " consolidation '' of the account. My loan account had been already consolidated XX/XX/XXXX before it was sent to XXXX. XXXX refused to provide me a written explanation why my payment was XXXX after they took over the account. I stopped paying because I could not afford to pay {$390.00}. XXXX did not provide any solution to this situation. In the meantime they added {$8000.00} interest to my account. 

I was contacted by the US Dept. of Education XX/XX/XXXX and after calling them back I sent all the forms and documents they requested. Once they received them, they hand all my information over to a collection agency, AlliedInterstate. They added {$14000.00} collection fee to my account. 

I have contacted the Dept. of Education a few times. They said I have XXXX options : pay in full the owed amount ( which is not an option unless I win the lotto ) or " work '' an arrangement with the collection company. I contacted them or answered their call but they are full of XXXX because they know they " own '' me. I have also contacted the ombudsman, who all they did was to provide me a worthless case number but nothing else. 

Interest from XXXX and collection fees from AlliedInterstate have added are more than 50 % of what the original loan was. I 've never refused to pay my loan or missed a payment while the account was with XXXX. As an individual I have the right to know why my account has, all of the sudden, double the monthly payment and refuse to pay if no explanation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.