23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax continues to use my bankruptcy information on my credit report.so it effects my credit score. My credit history has been without a blemish for more than seven years since dismissal.
Product: Bank account or service

This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.
Product: Money transfer, virtual currency, or money service

This is in regards to the how Zelle has been handling disputes. I reported disputes in the past and they were not handled properly. I was told that I could not get my money recovered. According to CFPB Zelle has not been able to protect us but has also been allowing other folk to exploit the system, leaving myself and other folk open to scam. This is a major red flag! My transactions arent even showing up
Product: Mortgage

In 2013 I had a morgage through Wellsfargo and my home was foreclosed on. Wellsfargo repeatedly told me what to do and what they needed then swiftly foreclosed on my home without providing the help they were promising. I was required several times to fill out the same packet without receiving any information from them. They would transfer me and my account around to different associates whom had no information on prior conversations with other employees
Product: Credit card or prepaid card

On XX/XX/2021 Chase bank decreased My credit limit on my XXXX  chase credit card from {$3500.00} to {$1400.00} right after I paid my balance in full. I not only use that card and always pay it on time but it also hurt my credit due to the decrease limit
Product: Mortgage

Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get XXXX XXXX and Select Portfolio Servicing who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to XXXX XXXX and a 1099C to SPS. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now XXXX has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on XXXX.
Product: Debt collection

After receiving a voice mail from a restricted number I called with the reference number and was told I was going to be charged with breech of contract and fraud for a loan from 2018 that only my ex husband could have done. They said if I couldn't pay right then on the phone in full it would be filed with the court. They could not provide information on ANY written notifications or anything only an email that's been closed for 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this alleged debt and request extensive proof of debt. This is an XXXX 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. There is no written communication received regarding this debt. Please REMOVE immediately.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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: Debt collection

ALDOUS & ASSOCIATES PLLC has admitted to receiving my cease & desist. 

In my cease and desist & debt validation letter, it states that I am demanding the purchase agreement/forward flow agreement which lists the account they purchased and that list the terms and rights they have to the account.

For the sake of not wanting what I asked to get misconstrued again, I am demanding the following : -Audit trail -Forward flow agreement/Purchase agreement -Account ledger All documents must be certified by account manager. 

A Copy of the Consumer credit transaction is not Sufficient to validate the alleged debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 

Case Law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 According to Case Law, ALDOUS & ASSOCIATES PLLC has not sufficiently validated this alleged debt and has taken it upon themselves to further tarnish my reputation ( consumer report ). 

A copy of a new Debt Validation letter has been attached, again, for your clarity of whats being asked of ALDOUS & ASSOCIATES PLLC. 

You have seven ( 7 ) days to respond sufficiently. 

THIS IS A FINAL ATTEMPT TO RECTIFY THIS ISSUE BEFORE LITIGATION.
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  Bankruptcy XXXX, XXXX XXXX  Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Call violation. On my installment loan it was documented 2 years ago to not call my place of employment. Until recently that has been upheld. I know when someone tells you do not call, it's illegal to do so. Ive had an issue with the manager of the financial office calling me recently at my place of employment. Yes i know my payment was due, however if a number is marked do not call you cant call it. I contacted the main office 3 times letting them know there was call violations. When i spoke to the office i reiterated it and ths asst manager said yes, i see it on your account and ill let the manager know. She has again called me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with MXXXX XXXX XXXX XXXXXXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. 

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$150.00}
Product: Student loan

Upon beginning classes through the XXXX XXXX XXXX " XXXX '' XXXX, I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX XXXX XXXX ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a XXXX student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account Service, LLC from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, XXXX XXXX XXXX. XXXX XXXX a ) ), XXXX and the XXXX XXXX for XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I tried to use my USAA credit card to pay for a hotel room. 
It was declined so I used my XXXX debit card. It was approved. 
Shortly after that transaction, the same day, the amount of {$200.00} was approved and charged to the USAA credit card. 
At that point I paid for the room twice. 

I contacted USAA regarding the matter and a temporary credit of {$200.00} posted to my account while a disputed was issued and investigated. That was also on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from USAA stating not enough information to resolve the issue had been summitted and a charge back of {$200.00} posted. 

I had spoken to a USAA representative on XX/XX/XXXX and answered all their questions asked regarding the matter.
Product: Debt or credit management

For misleading me about the benefits of credit monitoring and debt relief. 

Misled about the benefits of the products, I also was sometimes led to believe that the product would improve my credit scores and help me increase the credit limit on my Capital One credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This communication shall serve as my FIFTH REQUEST for the SOURCE DATA of EVERY ITEM listed in my LexisNexis Accurint Comprehensive Report and LexisNexis Accurint for Collections Contact and Locate Report. In your cover letters, you state " In order to correct inaccurate data, you must go back to that source to clear the official record. '' Seeing that roughly 85 % of the information contained in the reports is completely wrong, I need the source data to get working on it. I do not understand why this has been so difficult for you to complete my request. As of the date of this communication, I have received two copies of both Accurint reports with NO source data. And, the reports you have sent to me have the tops cut off so I can not see all information. Please provide the reports to me on appropriately sized paper so that I can clearly see ALL INFORMATION. Would you please take responsibility for this matter and see to it that I receive COMPLETE COPIES OF THE REPORTS and the SOURSE DATA for EVERY ITEM contained in the reports? For verification purposes, I have included a copy of my identification and social security card. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report that have come to my attention. According to my credit report there are incorrect addresses, phone numbers, and employers listed. This information is erroneous, and I am concerned that these inaccuracies are negatively impacting my credit profile.

I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate and up-to-date information. Under the FCRA, I have the right to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ), and the credit reporting agency must investigate and correct any errors. Furthermore, once I file a dispute, the credit reporting agency is required to notify the relevant information provider to correct or remove the inaccurate details.

I respectfully request that you investigate the discrepancies Ive mentioned and either remove or correct any incorrect personal information. Additionally, I ask that you provide me with written confirmation of the outcome of your investigation and any actions taken to resolve the issues.

For your reference, I have enclosed the relevant documentation supporting my claim ( e.g., proof of address, phone number, and employment history ).

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

Paypal Credit and Synchrony Bank have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.
Product: Vehicle loan or lease

After I got of ah quarantine and was done with all the XXXX tablets prescribed to me I drove to the dealership to drop off payment. Being that I wanted to be responsible and safe about my health condition towards others I stayed in the car and asked an employee to please take the payment and have it reach it's proper destination. Payment was took. However a couple days ago my car was repod and according to the dealership the check was shredded. I ask, why? Why couldn't it have been forwarded to the proper place or why didn't they attempt to hand back? I believe there was some type of professional negligince on their behalf because it be one thing if they didn't know, but they knew that if they shredded that check that no payment of course would be made and that I would lose my car. So they knew. Now under USC 15 1692F ( there was no judicial order therefore making the reposession unlawful ) Under 15 USC 6802 A financial institution can not disclose personal info to a non affiliated third party which the repo company would be exactly that because when the dealership and I made the deal they were nowhere in the picture Now under 15 USC 6804 Congress states that if I haven't been given anything in writing stating my info is gon na be given to a non affiliated third party that in doing so that is also unlawful which they had had to because that's how they knew who I was and who to look for that's how they found me now under 15 USC 1692 Congress warns us The People to be on the lookout for unfair collection practices by debt collectors.abusive practices.misleading. ( while the repo was taking place the repo guy told me to hurry before a call was made and authorities got involved ) that is also unlawful In all reality let 's go to the very beginning I made the payment to the dealership I forgot to mention they said the payment was supposed to go somewhere else. Very well then why'd they take my payment? And why let it sit on their desk til they finally shredded it? They knew. It would be different if they didn't know. Negligence ladies and gentlemen so as much as anybody dislikes the verdict the truth is it was wrongful from the start. I would've not lost my car if the payment was given back and I instructed to send to where they knew where. They could've sent it.they could've had handed it back to me, but no they shredded it without saying a word.not til the car was repod and I demanded to know where the payment was did they tell me it was ripped and thrown away.
Product: Mortgage

Select Portfolio is servicing that was apart of the Global Wide Settlement with Department of Justice and the State Atty General regarding secularization fraud which cause economic and housing crisis in the United States. XXXX hey have created fraudulent robo signed documents which includes XXXX assignments they were robo signed XXXX the XXXX  robo signer was XXXX XXXX he fraudulently signed as XXXX XXXX. he was not the XXXX XXXX of the Bank nor the was he the XXXX XXXX for XXXX either. furthermore that was a fraudulent transfer. The XXXX assignment robo signed by another notorious robo signer in 2018 XXXX XXXX is that has been name and found to has been signing thousands fraudulent documents. i have mailed XXXX to Select Portfolio requesting various document and questioned these fraudulent transfers. Fraud can not be the bases of obtaining a deed. THEY ARE NOW ATTEMPING TO FORECLOSURE ON THIS TOXIC LOAN WITH FRAUDULENT ROBO SIGNED ASSIGNMENTS. I SENT A NOTICE OF ERROR, DEBT VALIDATION, AND A LETTER OF DEFAULT ON THE XXXX  AND THEY HAVE NOT SENT A RESONANCE TO ADDRESS ANY OF MY CONCERNS