23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a charge card with XXXX 's. I received a letter in the mail indicating that my credit rating level was insufficient to receive a lower interest rating, therefore, my application for a credit card was rejected. It originally showed a high credit rating, then went down to XXXX. The reasons for the rejection were : Available credit on open revolving accounts were too low ; Newest delinquency/derogatory status on accounts is too recent ; No usable real estate accounts ; number of inquires was also a factor, but effect was not significant ; and ratio of accounts consistently paid on time to all accounts is too low. 

I owe NO one, own my home, have only 1 credit card that I haven't used for months, and if I did, I paid off immediately. I did receive a notice on my one charge card that I was delinquent in paying the balance. I did notified that company that I did not charge anything on that card from the source they should, they removed it from that charge card and reimbursed me and said it was an error. So, you can see, I have never ever had any problems with credit rating and I want this changed. I also will not pursue any account at Meijer 's for this error.
Product: Mortgage

After the servicing transferred to Selene Finance since XX/XX/2020. As of today, XX/XX/2020, Selene Finance hasn't send me a statement for my loan break down and my payment break down. 

Based on my record, I reached out to them 5 time since XX/XX/2020, and I still haven't received my statement. 

They even marked my payment for past due 37 days and did not want to sent me a statement after 69 days of servicing transferred to them.
Product: Vehicle loan or lease

On XX/XX/XXXX I mailed American credit acceptance a letter asking for them to validate and verify the debt that they are attempting to collect on, on my behalf I made them aware that it is against the law to report any invalidated or missing information to major credit bureaus and that it may constitute defamation of character on my credit report. They responded XX/XX/XXXX with a letter saying after they reviewed the payment history on my account innacurate information was reported to the credit reporting agency asking me to allow them 30 days to fix the problem which they haven't they included account payments that I made and a signed agreement but still left out important details such as I no longer have the vehicle and where the vehicle currently resides and what the vehicle was sold for if it was sold which should be deducted from the balance that they report I still owe. Which falls under the commercial reasonable sale law or paying the deficiency law either one this agency/creditor hasn't provided me with neither and was fully aware that they were reporting inaccurate and incorrectly which they admitted in writing and is against the law please have them removed this debt and account from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Collections account keeps listing past due amounts. And collections that are closed keep reporting as open.
Product: Credit reporting or other personal consumer reports

The accounts that are not recognized are XXXXXXXX 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, credit repair services, or other personal consumer reports

Regardless of multiple written request, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX, XXXX, but no answered were ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$15000.00}. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

okay starting on XX/XX/XXXX, i was arrested for an old probation violation. I did not get out of the jail until XX/XX/XXXX. While I was locked up a female that i had let stay at my home that i paid for or rented rather from a family member. broke into my room stole my information and made and received transactions on my account i knew that i had money coming from my income taxes i did give her access to my phone but she had no right to get my debit card or do anything other than what i told her to do on my phone she stole all of my money that was deposited from those months of child tax credit and tax money that deposited she made over XXXX dollars in tranactionds. I provided chime with the proof that they needed in everyway plus some and was even told after the first complaint was filed and dednied to rebuttle it because it was a mistake. I then filed a second time and again got denied I have talked to over 60 people on different occasions. in one day i was on the phone with chime being transfered around over 4 hours of explaining over and over and still got no where. they clIM THEIR IS NO ONE HIGHER UP IN THE CHAIN OF COMMAND THAN THE OTHER. They are very rude got hung up on a few times and now they have closed my account while its pending investigation. I just contacted them once again and got nno where tol me to go to XXXX. This is scary and they have no problem with it also I had this account for five years maybe 6 and the other time i had didputed something cause i left my debit card on the register at a department store it got used during the middle of the night and drained and they didnt dio anything but one of those three transactions. they are not what they should be representing them selves to be.
Product: Debt collection

I am submitting this complaint without any influence from any third party or agency. Please refer to the attached documents as it contains Westlake 's letter, my correspondence, proof that it was delivered via Certified Mail, my letter requesting to speak to the Legal Department, fax cover sheet and fax confirmation. On XX/XX/XXXX, I received a letter from Westlake and on the same day I responded with a handwritten letter ( attached is a copy ). My letter stated that I conditionally agreed to pay upon the condition that they provide me with the 'contract ' that was mentioned in Westlake 's letter because I seek clarification of the 'contract ' and its 'terms ' since I do not have possession of the 'contract ' or any material disclosures pursuant to TILA. I also requested for the accounting records and a signed invoice. On XX/XX/XXXX my letter was received by an individual.at XXXX XXXX. Since then, I have not received the 'contract ', 'accounting records ' or a 'signed invoice '. On XX/XX/XXXX, I was violated, caused distress and damaged because my car was repossessed without notice. I believe that the repossession was unlawful and that this matter should have been brought to arbitration, not repossession. On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX and she informed me that my letter was received but was not 'put into the system ' and the repossession was sent out on XX/XX/XXXX ( after receiving my letter ). XXXX told me to fax a letter requesting to speak with the Legal Department about this matter, which I did but have not received any response from Westlake since.
Product: Student loan

During in XXXX XXXX XXXXXXXX, I requested {$5000.00} to be refunded to me as part of the COVID cares act, my current servicer at the time.

This charge was then applied back to my loans but I never received a refund check. 

I am now paying extra interest on these payments but have not received my refund. 

Ed Financial also slow-played the refund request and said it was submitted but when I called XXXX later in XXXX of XXXX, they it had not processed. 

After years of following up, the loan servicer continues to say that it is not in their hand and that the department of education handles this. 

After talking with the department of education, they said that it is the loan servicer that should make this distribution. 

I feel that Ed financial is withholding student loan refunds so that they can continue to profit without having to pay me back in a timely manner. This is highly unethical and it is likely happening to other people in repayment as well. 

I also found that my autopay had been going to loans that were paid off, which was accruing a negative balance.
Product: Debt collection

The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name of XXXX XXXX  XXXX, ( no address was provided ) allegedly as Trustee, on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series 2006-AR6, of a non-existent XXXX XXXX XXXX XXXX ( not registered anywhere ) ( Case # 2018ca2401 Manatee County, Florida ). 
Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under Article 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits from forced sale of the homeowner 's property ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. 
A case from Washington State, Cashmere Valley Bank v. State of Wash, Dept of Revenue, 334 P. 3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are not secured and not entitled to foreclosure. PLEASE HELP me personally and also forward it to Task Force Docket # XXXX to help thousands of of other homeowners being wrongfully foreclosed upon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Remove Unverified Collection Accounts Dear [ XXXXTransUnion ] , I am writing to dispute the inclusion of certain collection accounts that have been reported on my credit file by XXXX, Transunion, XXXX, After reviewing my credit report, I have identified collection accounts associated with this agency, and I want to make it clear that I did not sign any agreement or contract with them, nor am I aware of any debt being legally owed to this collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. In this case, the collection agency has failed to provide valid documentation that supports their claim that I owe the alleged debt. 
Additionally, under The Fair Debt Collection Practices Act ( FDCPA ), collection agencies are prohibited from reporting debt to credit bureaus unless they can provide proof that the debt is valid, which includes documentation of the original contract or agreement that I supposedly signed. Without this proof, it is unlawful for them to report such negative information on my credit report. 
{$480.00} Open balance XXXX XXXXXXXX XXXX Original creditor {$450.00} Open balance XXXX XXXX Original creditor {$430.00} Open balance XXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX Original creditor XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed XXXX XXXX Account numberXXXX Account typeXXXX XXXX Responsibility Individual Date XXXX StatusAccount charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$400.00} In accordance with these laws, I request that you immediately initiate an investigation into these collection accounts and verify : 1. Whether there is a signed contract or agreement between myself and the collection agency. 
2. Whether the collection agency is legally authorized to collect on this alleged debt. 
3. Whether the original creditor has verified that they assigned the debt to the collection
Product: Credit card

On XX/XX/year>, I was contacted by someone impersonating my employer who directed me to purchase gift cards for clients. Believing the request to be legitimate, I bought the gift cards and provided the codes to the scammer. It later became clear that I was the victim of a sophisticated scam. 

I reported this to American Express, and they initially refunded me the disputed amount. However, after conducting an investigation, AmEx reversed the refund, stating that the charges were not fraudulent because the gift cards were purchased in my name and activated. 

I strongly disagree with this conclusion. While the purchases were technically authorized, they were made under fraudulent pretenses. The scammer manipulated me into buying the gift cards and transferring their value, meaning I did not benefit from the transactions. This situation falls under fraud through deception and should be covered under American Expresss consumer protection policies. 

I have tried to provide evidence to AmEx, but AmEx said they have nothing to do. Despite this, AmEx refuses to acknowledge the fraudulent nature of the transactions and has closed the case.
Product: Credit card or prepaid card

account was opened in my name and bank refuse to remove my name and social from the account with debit.. This account Identify Theft This account was open when I was in the hospital I never apply or use the card XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1200.00} past due as of XX/XX/XXXX.
Product: Credit card or prepaid card

On or about XX/XX/2019, I changed my AutoPay settings online from payment in full to minimum payment only. Section 1 ( f ) of the terms and conditions ( attached hereto ) indicate that such changes are acceptable if made at least three business days before the payment date, which was  XX/XX/2019. 

Upon making such change, the next screen on the FNB website is substantially in the form attached hereto, which indicates explicitly that such " changes will take effect on the current billing cycle. '' On  or about XX/XX/2019, FNB Omaha attempted to make an unauthorized withdrawal of {$3900.00}. This was unauthorized because my instructions to FNB, and accepted by FNB, only authorized the minimum payment only to be deducted. I was then charged a {$29.00} NSF fee by my home bank due to this unauthorized withdrawal by FNB ( shown in the transaction attached hereto ). 

On XXXX XXXX  and XX/XX/2019, I reached out to FNB Omaha to notify them of the situation. I spoke to supervisor XXXX at or about XXXX on XX/XX/2019, who advised me of FNB 's deceptive practice of ignoring AutoPay changes for the current billing cycle. I told him about the Terms and Conditions to the contrary, as well as the explicit notification on the website that " changes will take effect on the current billing cycle, '' and XXXX confirmed that FNB 's practice was in fact the practice routinely used and what he advises to all of FNB 's other customers.
Product: Credit reporting

The XXXX XXXX XXXX ( Collection Agency ) listed on my Transunion Credit Report is not a valid ( legal ) debt ( which I have been fighting for XXXX years ). I have repeatedly contacted the Collection Agency for resolution-and received none. ( BTW-I filed a complaint with your organization against them XX/XX/XXXX. and I have yet to receive a response # XXXX ). In XXXX of 2014 I filed a complaint with your organization to have this Collection Account removed from XXXX # XXXX-which it was. I have tried to dispute this directly with Transunion ( supplied them with all the back-up documentation to prove this is not a valid ( legal ) debt and all they appeared to have done is simply contact the Collection Agency to " validate '' the debt ). That is not an investigation and certainly does not fall within the definition of " valid '' debt-because it is not ( valid or legal ). I am providing you copies of all correspondence with the original creditor and collection agency with the WA State Landlord/ Tenant RCW 59.18.310 code/ law clearly outlining the law, copy of the ledger and lease clearly showing I met my financial obligations, and a copy of the determination of the complaint I filed with your organization against XXXX and it 's outcome ( that it was deleted ). I have also included the letter from Transunion with their " Investigation Results ''.
Product: Credit reporting or other personal consumer reports

Unknown accounts. Fraudulent accounts Unknown medical collections/ Charge Offs XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 card or prepaid card

I was offered to apply for a Kohls credit card to receive an additional 30 % off my purchase onXX/XX/XXXX. I was assured by the cashier ( XXXX XXXX ) that this would be a soft inquiry on my credit report. I even had her call the store Mgr. XXXX. XXXX to verify this fact. She concurred that it would be a soft inquiry. I was approved and found out later that it was HARD inquiry on my credit report, that would stay on it for 25 months! 

I have worked hard to build up my credit score and this misrepresentation is fraudulent and wrong. This kind of consequence affects peoples lives and its done for the sake of just signing people up for the store card, their bottom line? 

This occurred at the XXXX XXXX Kohls store at the XXXX XXXX XXXX.
Product: Debt collection

I have 2 collections on my credit for XXXX XXXX for {$310.00} and {$250.00} and I have talked to them repeatedly about it and they have no idea about it because when I got my electric turned back on they added those amounts to my current account and they told me to try and get it taken off by either disputing it or getting ahold of collections. Please help
Product: Bank account or service

I initiated a funds transfer of {$1000.00} from my current account at XXXX Bank in XXXX to my checking account in the U.S. at Wells Fargo Bank. When the money did not show up in my account within the 10 days, I revisited the transfer information, and found that the first XXXX numbers of my WF account number were missing. I contacted XXXX and they initiated a trace on the funds, suggesting I lias with WF. I immediately visited my personal banker at WF and she did a computer search for the funds with no success, as well as escalating the search to the XXXX team, which found no trace off the funds. I received an email from XXXX stating they received a reply from WF that the funds had not been applied because name and account number did not match. I immediately within XXXX hour of receiving this notice sent XXXX the correct and full account number and name and received immediate reply from XXXX that they were sending WF the amended information. After waiting again with no deposit to my WF account, I again visited the personal banker and was told that they could not find the funds. They instructed me to again request the XXXX to recall the funds. When XXXX eventually received a reply from WF that " Beneficiary has denied debit authorization ''. XXXX assumed that the funds were applied to my WF account. That was not the case. After repeated trips to see my WF personal banker, the personal banker was able to find that the funds were in someone else 's account. I asked how could that be if the name and number for that account did not agree. The personal banker instructed me that I would have to request XXXX recall the funds once more, then, if the person who did receive the funds did not release them, the personal banker herself ( and her supervisor ) would contact the person and try to retrieve the funds. I contacted XXXX once more, they again received the reply that " beneficiary has denied debit authorization ''. I returned to my personal banker only to be told that WF could not go into the account and retrieve my funds. Her supervisor told me that i would need to seek legal representation if I wanted to pursue this matter further. I questioned her why the funds were put into an account where the beneficiary name and account number did not match. She did not give me an explanation as to why this was done, nor did she admit that it was an error on the part of WF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately showing that my account was 30 days past due. I made a payment within the 30 day window.
Product: Credit reporting, credit repair services, 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, 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 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 reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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