23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER XXXX XXXX XXXX which means I XXXX XXXX XXXX XXXX to rescinding the contract.
Product: Debt collection

Sent Certified letter on XX/XX/XXXX Sent Certified Letter on XX/XX/XXXX SECOND ATTEMPT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX This letter is being sent to you in response to a listing on my credit report and a letter that was sent to you on XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX stamped signature stamped XX/XX/XXXX. XXXX XXXX XXXX  has failed to reply with documentation that I have requested on the First Attempt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide all the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection and selling of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state ( State of Alabama ).

5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Regards, XXXX XXXX SSN # XXXX SENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These unfamiliar credit inquiries on my credit report are really concerning. I didn't authorized or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Zelle failed to ask if you were sure if you needed to send money to the right person, which made it difficult to get a refund from the bank immediately. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a XXXX d ) ( XXXX ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( XXXX ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : 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, credit repair services, or other personal consumer reports

On XX/XX/2017 I attempted to dispute negative items reporting on my credit report with all 3 credit bureaus. XXXX and XXXX have replied and removed the items from my credit report, however Equifax has not responded to my request. This is a clear violation of my rights as a consumer based on the guidelines of the Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

I received email notification from XXXX XXXX about hard inquires. I did not apply for any credit on XX/XX/XXXX nor XX/XX/XXXX. I verified that my credit had a freeze on it. I noticed my credit score was affected by the hard inquires. XXXX said they did not see any hard inquires, I was unable to speak to an agent at XXXX, and XXXX informed me my next steps. I was informed to XXXX make a cover letter requesting the hard inquires are removed from my account. XXXX, to send a copy of my photo ID. Last, and most importantly to submit this identity theft report via the federal trade commission. Im going to mail all these documents to XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
I was also informed the phone number associated with the hard inquires is ( XXXX ) XXXX. That is not my cell phone number and I have no idea who the number belongs to. My cell number is ( XXXX ) XXXX. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, XXXX MD XXXX and my email address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting a public record of my bankruptcy on my credit profile. I have sent several rounds of letters to have it removed immediately and they keep responding as updated.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have two store credit cards offered by comenity bank. My accounts have always been in good standing and I had both cards longer than 1 year. After the shelter in place order went into place in XXXX of XXXX, I was forced to close my small business in XXXX XXXX. I lived off of my savings for 3 months and continued to pay my bills until that income ran out. At that point, I called all credit cards and asked for options. Most of my cards negotiated and my accounts remained current. When I called to negotiate the terms for my XXXX/Wayfair  cards, representatives would not reduce late fees. The balance for not paying for a few months on both cards was too much for me to pay. I had to prioritize what little money I had in order to continue to live. A few months later, I applied for unemployment XXXX XX/XX/XXXX ). I then called to negotiate terms for both cards once again, but the representatives said they could not remove late fees resulting in minimum payments I still could not afford on my EDD fixed income ( XXXX XXXX XXXX. Now both card balances have DOUBLED and the minimum/past due balance is more than I receive in unemployment in a month. Not to mention both cards are being reported as charge offs. My credit score has dropped over XXXX points and continues to go down. I have been harassed by phone regarding these cards and honestly can not believe the predatory practices which began during the pandemic. Not only was my business forced to close, I couldn't pay for my bills, I lost my apartment, and now my credit score is ruined. I was forced to stay home because of a XXXX. Banks who most likely received some sort of bailout funding because of financial hardships have no right continuing to add interest and late fees when a person is struggling. ESPECIALLY, if the accountholder was always in good standing when there was no pandemic/shelter in place order.
Product: Mortgage

On XXXX XX/XX/2020 we were scheduled for a refi closing by Freedom Mortgage. This process was initiated by Freedom as is common practice. At the closing, the documents presented did not match the doc 's we had been emailed. Most notable was the loan term, which had been stated at 24 years, 7 months - but was now reflected at 30 years.We immediately reached up to our loan officer XXXX XXXX and he assured us that all would be fixed and they would soon reach out for a new closing date with the proper changes made. Well today is XXXX XXXX and Freedom still has not serviced this loan. 
I have had at least four different conversations with XXXX XXXX Bilingual Customer Advocate and told that underwriting would be in touch to confirm the correction of the doc 's and assign a new closing date.I have have forwarded two customer service email request via Freedom 's website and received no response. On XXXX XXXX I spoke with a XXXX at Customer Service [ XXXX ] and asked to speak to a supervisor. XXXX assured me that I would be contacted within 24 hours - yet here I sit, on XXXX XXXX on hold with Customer Service for over an hour and still nothing.
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 for the Account # : 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 The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date of last reported is inaccurate, or opened/no closed date for written/charge offs. This grounds for removal as they have violated my rights under the following laws 15 U.S.C. 1681 section 602a States I have the right to privacy.

15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

How can accounts be opened and written off/charged off at the same time?

15 U.S.C. section 605c a. section 1 : Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Who was contacted during the consumer investigative report?

15 U.S.C. section 603e in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Transunion The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I was pre-approved, then applied for a XXXX  Secured Credit Card based on the advertisement on XXXX 's website and the secured card application link they provided. 
The advertisement stated. Discover XXXX XXXX XXXX XXXX Raise your XXXX XXXX by XXXX points. XXXX tabs ( XXXX ) Easy Application and ( XXXX ) Check if you are Pre-Approved : o No XXXX XXXX required to apply o Refundable security deposit required o No annual fee I was of the impression that my application would not affect my credit because they stated that a XXXX XXXX would not be required. 
In the morning of XX/XX/year> I provided my bank account details for the {$200.00} security deposit Discover requested. 
In the morning of XX/XX/year> also, I discovered that I lost XXXX points ( XXXX ) because of the application for this secured credit card. I was very surprised and contacted Discover via their online chat agent who advised that, I see you applied using our Pre Approval Link. When you complete the information, we do a scan of you credit report. Once you accept and offer we pull a copy of your credit report for the final decision. 
I informed the online chat agent that it was not made clear to me and I do not remember giving approval for my credit report to be pulled for the final decision concerning the secured credit card. This to me is a deceptive practice, even if they have it in the fine print it was not made clear that the credit report would be pulled and would affect my XXXX XXXX. The advertisement suggests otherwise. 

I had applied, obtained, and funded other secured credit cards and none of the other who had similar advertisements to Discover pulled my credit that resulted in any negative effects on my XXXX XXXX. If this was made clear to me I would not have chosen XXXX. 

Please see their advertisement link and picture below. 

Thank you. 

https XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I currently hold a loan with XXXX and have a discrepancy in the escrow account. My taxes on record show late fees as well as interest due to the company errors. They are collecting XXXX dollars a month for escrow on a total tax and insurance yearly account due of approximately XXXX. They are currently collecting double the amount of the escrow necessary. 

I have made XXXX calls to the company thus far with little or no answers from them. I believe they have no reported or paid my taxes properly and are responsible for any and all fees and interest charged since the date of my purchase in XXXX. 

I need help with this issue immediately as the new loan amount is very difficult to maintain with an extra XXXX or XXXX a month tacked on to the account. I have requested an escrow analysis 6 times since XXXX without any action taken.
Product: Credit card

I found many transactions I didn't authorize that were charged to my credit card. 
Here are the dates, reference numbers and amounts. No fraud alert was given to me, despite the multiple suspicious transactions of around {$50.00} all within minutes of each other over the course of days. 

XX/XX/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 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 I noticed these and contacted Wells Fargo of this activity on XX/XX/XXXX Wells Fargo repeatedly told me I made these charges because I had previously purchased something from XXXX for approximately XXXX dollars in XXXX. I told them many times even thought I bought something in XXXX, I was reporting that I didn't make any further purchases. These purchases are in excess of {$1300.00}. According to the Electronic Funds Transfer Act. I reported these charges in a timely manner of under 60 days, and Wells Fargo has a responsibility to refund these fraudulent charges.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit card or prepaid card

On XX/XX/2018 a purchase was made XXXX for automotive fog lights for XXXX  XXXX XXXX XXXX and up vehicles through XXXX, the product is listed as being 100 percent compatible when the product was received they did not fit. I spoke with XXXX   they said I would have to pay return shipping and so I opened a dispute with XXXX XXXX on XX/XX/2018. They closed the dispute on XX/XX/2018 without contacting me, when contacting them they state a letter was sent over 9 business days ago which I have yet to receive. 

Part of their process was to open a XXXX dispute against the company ( # XXXX ) without letting me know or my permission. I was informed that I would have to pay the charge as a re-bill even though the product does not fit my vehicle, I reached out to the company one more time on XX/XX/2018 and sent them proof that the product does not fit, on XX/XX/2018 they responded and said they would refund the money and pay return shipping. When they tried to refund the money they were unable to do so that there was an open XXXX dispute. 

I spoke with capitol one on XX/XX/2018 at XXXX they stated they never opened the pay pal dispute and I would have to talk with XXXX. I contacted XXXX on XX/XX/2018 at XXXX and they advised me the dispute was opened by my financial institution ( Capitol One ) and it would have to be closed by them and they referred me back to Capitol One. 

I spoke with Capitol One again on XX/XX/2018 at XXXX and they transfered me to a supervisor and he told me the dispute was closed and they could not close the paypal dispute. 

I have no where else to turn to get this resolved, the company wants to refund me but can not because Capitol One will not close the XXXX dispute, and I can not cancel the XXXX dispute because I was not the party that initiated it Capitol One was. The pictures showing the issue can be viewed at XXXX XXXX XXXX