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

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 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 an 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: Credit card or prepaid card

Here comes C ITI Bank credit card for XXXX store accounts for customers only. 
My experience was if I had $ XXXX credit limit and I gassed up on a trip, the card shuts off at $ XXXX to pay now? If on a trip you ca n't buy more gas? 

Upon billing, if you are late until you get back home, THE FEE IS {$37.00} [ USUERY? ] plus a 10 % interest charge on top of FEES? 

I canceled my card with a $ XXXX credit balance which I have n't received a check for? 

C I TI BANK needs a grooming on credit cards which are not a Bank Loan?
Product: Mortgage

I had a XXXX in XX/XX/XXXX. I exchanged my house in XXXX XXXX XXXX to the one I have been living in since XXXX, XXXX. Because of medical bills and no wages, I had to obtain an equity loan with XXXX  XXXX which was taken over by XXXX and finally bought by WELLS FARGO ( WF ). 

The rate of my equity loan was over 7 %. The original loan amount was for {$290000.00} so I have been trying to get a loan modification. I must have applied for a loan modification at least five times and I was always denied. I JUMPED HOOPS AFTER HOOPS IN HOPES OF GETTING A LOAN MODIFICATION even in my XXXX XXXX, to no avail. 

Wells Fargo cited that I was not in imminent default. They also cited that my DTI was to high so Wells Fargo denied my loan application over and over. 

I was given an equity loan knowing that I was XXXX and can only afford to pay the interest only payments, real estate tax, homeowners insurance, flood insurance and homeowners fee. 

When XXXX XXXX XXXX XXXX conditionally approved me in their program and sent notice to WELLS FARGO, WF rejected their assistance. The attached letter dated XX/XX/XXXX details the denial. 

XXXX XXXX XXXX XXXX was going to assist me by paying my arrears up to {$100000.00} to keep my loan current. Their only requirement was that I stay in the home for at least two years. 

Wells Fargo rejected XXXX XXXX offer of assistance and I asked WF why they rejected the assistance. They responded by saying that they never had any communications with XXXX. THAT WAS OBVIOUSLY A LIE. 

In one other phone conversation with WF I was told the loan modification was already completed that is why it was rejected. Another WF agent sent a correspondence stating that they never had contact with XXXX in the last month. That obviously a parsing of the truth. Why would XXXX contact Wells Fargo months or years later There are many other lies that WELLS FARGO conveyed and informed the customers just to whitewash them and halt their inquiries. 

Wells Fargo even says that their CEOs retired because of age. The news outlets states otherwise. 

The chairman and chief executive of Wells Fargo & Co., XXXX XXXX, has resigned effective immediately in the aftermath of a scandal over the bank 's past practice of secretly selling services to unsuspecting customers. 

Wells Fargo & Co said XXXX XXXX will resign immediately as chief executive, becoming the second CEO to leave the bank in the fallout of a wide-ranging sales practices scandal. 

There are many more deceptive practices that WF employs. 

At this time I would like to get a copy of my whole file in order to vet whether or not the information I received from Wells Fargo are indeed true.
Product: Debt collection

I received notice that an account was sold to a third party however I never received information about who the account was sold to. Please provide me with information about the account.
Product: Credit reporting or other personal consumer reports

those hard inquiries are fraudulent and I don't recognize : From XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

When I applied and was approved for a credit card my name was spelled wrong by accident. My name is XXXX XXXX not XXXX XXXX. The customer service team told me to send my photo id to update my name and I sent it. It took weeks for customer service to reach out to me and they finally mailed me a letter saying I needed to send proof that my name was changed. This doesnt make sense there was a key XXXX error of one letter and they they are refusing to fix this error. I know my rights as a consumer.
Product: Credit reporting or other personal consumer reports

HAVE NOT SUPPLIED PROOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUMED THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ). 

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
Product: Credit reporting or other personal consumer reports

I have no connections with the creditors mentioned, and I did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my credit report on XX/XX/23 from the following : WESTERN FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This was not an inquiry authorized by me and I believe I've been a victim of XXXX XXXX. I called the number listed to gather details however it's not a working number. Upon further investigation on XXXX the number ( XXXX ) XXXX came up. I called the XXXX number which was apparently Western Finance 's XXXX number. There is an option to leave a voicemail however the voicemail tone never occurs so you're not able to leave a message. There is also an option to email disputes at XXXX however the email comes back as failed delivery to that email address. I called again and was transferred to the XXXX XXXX by pressing XXXX and explained my situation. She transfers me to the XXXX XXXX location where I spoke to representative XXXX. XXXX speaks with her manager and they state that XXXX can assist me as they are not able to. I informed them XXXX had transferred me to them. 

I have challenged this inquiry through XXXX however I'm not sure where to mail a XXXX dispute at this point.
Product: Credit reporting

My FICO credit score dropped XXXX points from last month due to a derogatory public record. After looking into this, I learned that it stems from bankruptcy, foreclosure, tax leins or civil judgment. However, none of these things apply to me : I 've never filed bankruptcy or had to foreclose on a property, I 've never been to court, and I have no knowledge of a tax lien being have been imposed or a collection filed against me. What can I do about getting this removed from my credit report? Not only is it a mistake on my report, it very negatively impacted my score.
Product: Consumer Loan

In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX and the last XXXX numbers of the account were : XXXX. 

According to my records, my last payment was In XXXX of 2015. I have tried to get Equifax to change the date several times and I keep getting responses where Equifax doesn't verify the dates, but accepts the card issuers statement as true. Herein lies the problem, there is no verification.
Product: Money transfer, virtual currency, or money service

I used PayPal to get my stimulus check deposited and followed the steps to get it all done and was scheduled for a deposit on XX/XX/XXXX and contacted customer service about it and they kept telling me the same generic resposes even when giving them a trace id they still continued to give me the same response. I called the irs and told me they rejected the deposit and will mail a check but to see if they released the funds back so we could issue a check but no help. They continued to say the 3 to 5 bussines days and we can't help. I even called the customer service at PayPal and they are closed. I am so sick from all this and trying to come up with rent and bills I'm wishing I just used XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$4700.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

In Pursuant to 15 USC 1692 ( b ) 2 U.S. Bank has violated my rights by continuing to harass me about an alleged debt. U.S.Bank has sent multiple emails and multiple phone calls with obscene and Profane language. I have sent U.S. Bank a Cease and Desist affidavit on XX/XX/XXXX. U.S. Bank has not rebutted any of the stated facts in the affidavit submitted XX/XX/XXXX. 

In Pursuant to 940. 18 U.S.C. Section 1341Elements of Mail Fraud There are two elements in mail fraud : ( 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and ( 2 ) use of the mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ). '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; see also XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( " The elements of the offense of mail fraud under... XXXX  are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ) ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Mail and Wire Fraud, XXXX XXXX. XXXX. XXXX XXXX. XXXX, XXXX ( XXXX ) ( cases cited ). 

U.S. Bank has committed mail fraud by sending a deceptive statement to my place of resident attempting to collect a debt that is not owe. 

In pursuant to 12 U.S.C. 1431 Powers & Duties of Banks Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. 

Therefore banks can not lend there assets or there money. 

12 U.S.C. 1813 When the purported borrower deposits or surrenders the Promissory Note it is then considered a cash item. The Promissory Note Creates the money. 

UCC 9 section 102- section 8 ( 65 ) Theres no obligation to pay on a promissory Note. 


On XX/XX/XXXX a Promissory Note was made and was suppose to be deposited as a cash asset. 

U.S.Bank never issued any money or loan because banks cant lend there assets or money. 

Please see Attachments
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit card

I signed up for service in XXXX annual {$750.00} because XXXX XXXX  was included. However the data was bad ( not current or not found at all compared to other services I use, that could find the owners info ) - I stopped using the service and get an email days before renewal, I requested cancelation the day due and was billed {$1400.00} XX/XX/XXXX. 
- I requested a refund and told ( no ) unless I can prove I requested the cancellation prior. 
- I call the toll free number and get an automated answer every time, left a message on four occasions and no return phone call. 
- I dispute the charge with the credit card and deal machine send them forged documents that I purchased the new subscription and signed up for service the month prior. 
( I saw forged because I did not sign up for service again I had not used the app or website for months, they also copied an IP address that is not mine to their documents ) ***oh it gets better they also tell AMEX that I cancelled on the XXXX of the month despite the fact I have an email confirming my request to cancel on the XXXX the same day I was charged. 

I now have a XXXX debt for a Software app that I have not used and will not use and all XXXX had to do was say ok we see you no longer want our services and have not used it we will reverse todays charge. 

American Express wants you to try to dispute with the merchant first so I attempted to and after no response from the merchant I filled a dispute with AMEX. 
The merchant sent AMEX there terms and conditions and stated there policy does not offer refunds and created documents that make it look as if I made a purchase when i did not. 
My error was not disputing it the same day however AMEX clearly requests that you try to resolve the issue with the merchant first. 
I stress this is not a purchase of goods or services. It is a subscription ( app access ) based service I did not purchase.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$260.00} In good standing OTHER LOANS XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XX/XX/XXXX Inquiry details XXXX XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX  Last reported XX/XX/XXXX {$9200.00} Reported balance ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for how many days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made for XX/XX/2020 and enrolled in covid payment extension for 6 months they reported me past due for XXXX to CRAs not onlybwas it coverrd under the covid plan XXXX  was due i paid XXXX proof of payment attached
Product: Credit reporting or other personal consumer reports

Company is in violation of 15 U.S. Code 6803 by disclosing my nonpublic personal information to the credit bureaus. Certified letter ( attached ) was sent via postal mail and company was unresponsive.

*Please note this issue was brought to the FTC and I was directed to file complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureau have many names addresses jobs and socials on me that is not me i have contact all and ask for them to be removed it is the same
Product: Credit reporting or other personal consumer reports

I have not supplied proof underXX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.