23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My identity was stolen and so was {$49000.00} out of my bank of america account. I got {$44000.00} returned. I filed a claim with edd to find out what happened to he {$5000.00} missing. XXXX wants is verification paperwork for the {$5000.00}. The {$44000.00} was returned XX/XX/. There was no hold on the {$44000.00}. I have letters from b of a and IRS verified my claim in my favor I have messages in y XXXX XXXX account that says my account is open and card is active. Bank of America refuses to give me access to my account to withdraw my money. They refuse to speak to XXXX rep on the phone nor honor the letters stating my money was returned to me on XX/XX/XXXX. Someone keeps changing my address or email on the account. I don't know how m it has to be someone working in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name ( XXXX XXXX XXXX XXXX ) , are to be blocked and cease to be reporting on my consumer file
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

In the month of XX/XX/2023 I made a lump sum payment to the company US Auto Sales, This was after I had to put {$4200.00} into repairs on the vehicle that they wouldnt fix, nor reimburse the monies, The first week of XXXX the vehicle was repossessed by the company, no notices or attempts.the end of XXXX I received an letter stating that the vehicle would or was stole at auction. The First week of XXXX I was harassed by Westlake financial services stating that I owed them {$18000.00} plus dollars this after making payments on the vehicle for almost XXXX years with US Auto Sales, I informed the representative that I didnt have possession of that vehicle since XXXX. They stated that they were the new account owners and that I still owe. Now both lenders are on my credit and both is refusing to remove the negative balance
Product: Debt collection

XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE XXXX XXXX IN JAIL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ending in XXXX for XXXX XXXX has been reported as 120 days late incorrectly
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 Pursuant to 15 USC Section 809 ( B ) I'm putting you Midland Credit Management on notice that your claim is disputed and validation of the furnished account I received in the mail. The letter is dated XX/XX/2023. 

Midland Credit Management has not supplied proof under the doctrine of estoppel by slience, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I have a right to this information, as it's directly associated with the mail I receive and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. 
* Chain of Title Proof that you are a licensed debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

* A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting.

And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account?

2. What are the terms of the transfer of rights regarding this alleged account? 
XXXX. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 
XXXX. Did you purchase this alleged account from the alleged original creditor? 
XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? 

This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ).

Failure to stop contacting me through the mail in 15 days as requested will result in legal matters being taken and me turning you Midland into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. 

In Good Faith Without Prejudice By : XXXX XXXX XXXX
Product: Credit card or prepaid card

Application said, no inquire to credit check, and their was one. I want credit check removed.
Product: Credit reporting or other personal consumer reports

Experian is reporting collections on a case that was already addressed here with the CFPB. XXXX XXXX. Two accounts are showing on my report. Earlier this year, I reported them here. They failed to return a reply in 30 days. Please have both XXXX XXXX removed from my credit report for failing to comply within the legal 30 day statue.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed that one thing are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. These accounts XXXX XXXX XXXX acct XXXX, XXXX XXXX, XXXX XXXX XXXX acct. XXXX are not complete and accurate.
Product: Credit card or prepaid card

My wallet was stolen and in my wallet was my license, SS Card, a XXXX by XXXX XXXX credit card, both a XXXX credit and debit card and my Discover Credit card. I called Discover notifying them of unauthorized charges on this card and that my wallet was missing. I asked for the card to be locked and a total of {$1700.00} worth of transactions were disputed. I explained to Discover that the thief was making unauthorized purchases with a stolen credit card.. The transactions consisted of out of state purchases and unauthorized online transactions. As of XX/XX/XXXX Discover is holding me responsible for all out of state and online purchases. I have contacted merchants and have received details of the online transactions ; they are made from email addresses that DO NOT belong to me. The email addresses are ; XXXX, XXXXXXXX XXXX XXXXXXXX My Discover was stolen and used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation - that money was stolen from their accounts.
Product: Credit reporting or other personal consumer reports

I have sent letters and also filed ftc reports to XXXX, XXXX, and transunion. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX  XXXX XXXX- {$530.00} - XX/XX/year> XXXX XXXX- {$340.00} - XX/XX/year> XXXX  XXXX XXXX - {$500.00} - XX/XX/year> XXXX XXXX- {$6000.00} - XX/XX/year> XXXX XXXXXXXX - XXXX XXXX- {$520.00} - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX on Date : XX/XX/, 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. 

This inquiry from XXXX XXXX XXXX XXXX is fraudulent, because I did not authorize this company to pull my credit file.
Product: Bank account or service

What happen is that I was paying my loan to Bank then this entity sold the loan to another bank so i still sending my payment to this new bank and it happens to be that this bank is sending me a foreclosure letter when I 'm paying month to month they are phonies.
Product: Debt collection

QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX  ( under XXXX XXXX XXXX  and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of Caliber Home Lona , Inc. and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to Caliber. Caliber processed payments, credits, charges, and advances while it was servicer for the Loan. 

Please identify WHO released servicing rights from XXXX to Caliber [ the name of the Company and its individual responsible representative ] and for WHOM Caliber collected and processed my payments between XXXX to XXXX
Product: Credit card or prepaid card

I currently have a Capital One Credit card that I have had since XXXX. When XXXX happened in XXXX, mine and millions of others ' lives came to a sketching halt, resulting in many without a job, including myself. I reached out to capital one multiple times and they refused to work with me in any way, I have since had on time payments and continue to do so. capital one is being predatory to my credit because of a global pandemic that no one could do anything about but wait for it to end. I am requesting the removal of reported late payments from Capital One for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the are numerous mistakes on my trans union report and I tried to dispute and get it corrected 2 months ago with no letter mailed back to me at all. There are too many inaccurate items from status wrong to never being late to accounts that are not mine and not in bankruptcy and I never had a chapter XXXX or XXXX see attached letter for a complete list on items
Product: Student loan

This complaint is regarding EdFinancial student loan processing. 

On XX/XX/XXXX I called them to request a refund for payments I made since the Pandemic pause was initiated on XX/XX/XXXX, which I am permitted to do as part of the Student Loan forgiveness. 

When I called EdFinancial, they were incredible deceptive about the timeline for any refund processing, whether it could even be processed, and what the amount would be. Despite their website saying they could access my payment history, the representative I spoke with was unable to even tell me how much I had paid since the Pandemic pause began ( though there was direct language on their website saying that, if I had any questions regarding how much I've paid, to call them and they could tell me ). He also could not tell me what form the refund would take, and even said it may take up to 7 months to process. 

I find this to be incredibly misleading and the timeline to be both deceptive and unacceptable. 

Because EdFinancial seems unable to track their own payment history, I have itemized my payments made on my student loans. 

Total : XXXX By date : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I am requesting the refund I am entitled to, back to the bank account I utilized to make the payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have found fraudulent inquiries in my credit report
Product: Credit reporting or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with a verified status. Please repair 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Debt collection

After receiving the call by a gentleman named XXXX of Roach & Murtha, PC in NY he stated he was an attorney and that he had frozen my accounts with XXXX bank as I was sued and they had won a default judgment. I mentioned to him impossible as I don`t have an account there and never received any documents to go to court. 

A few days goes by he kept calling me and I asked politely to please do not call me and send all information via mail as per law that I would need to check and go to the court and see what happened and why I did not receive anything and was unaware of any debt by the people he represented. 

Meanwhile XXXX kept on calling my work speaking to co workers and telling them about my debt and harassing them as well for more information about me. The company I work for offered their attorney to resolve and even after providing him with the information he kept harassing me and my co-workers and now even family members. 

As I try to vacate the judgement we find out that this case was already brought in another jurisdiction and the plaintiff had won the case with another attorney and this collector managed to get a second lawsuit in another jurisdiction for the same. Even after speaking with attorney and specifically told him that he was representing me in this matter he still calls and harasses me. 

I really need the help as it will cost me my job and he went nuts when I told him he had no case under res judicata and it would be vacated by the attorney. He wont stand losing his commission.
Product: Mortgage

I worked with XXXX XXXX of New American Funding in XXXX, WA last month. The experience was rough every step of the way. We took our application on XX/XX/16. She was tough to get in contact with, I didn't have an underwritten loan decision for nearly a month, I was sent loan disclosures with inaccurate information multiple times, and when I wanted to see rates she didn't call me back. After she told us it wouldn't work, we ended up going to another lender and closing in 3 weeks. We had to pay an extra {$24000.00} to the seller because we didn't close on time because of XXXX. Despite, being bad at her job, what bothers me is that she has no regard for compliance. She ultimately told us that our loan wouldn't work. It is my understanding that I should have received a formal denial letter within 30 days of XX/XX/XXXX ( the day she denied us ). I felt like I was not important and she just wanted us gone to make her life easier.
Product: Checking or savings account

XXXX XXXX scammed me and stole {$1400.00} for student loan forgiveness. They contacted me via email and phone in XX/XX/XXXX and convinced me they were with my student loan servicer. They obtained my social and debit info and proceeded to steal {$1400.00} from XX/XX/XXXX through XX/XX/XXXX when I finally realized there should be no upfront payment for student loan forgiveness. I told them to cancel this payment plan and asked for my money back but they insisted they are legitimate and that an income driven repayment plan was now in place and my student loans in the form of {$37000.00} would now be forgiven. 

XXXX Wells Fargo several times, who claimed to investigate the incident, and said they could not retrieve the stolen funds. 

XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 Keybank placed a legal hold in reference to XXXX XXXX XXXX - Account # XXXX  - XXXX XXXX XXXX, XXXX, MI XXXX    (XXXX)XXXX. The above company used fraudulent information in order to convince the XXXX District Court  Case # XXXX - Judge XXXX XXXX XXXX to issue a garnishment against me when I had a legal binding contract with XXXX XXXX XXXX for $XXXX monthly with a balance of $XXXX.The balance in the Key Bank account $XXXX was not my money and in fact it was a deposit by my husband - XXXX XXXX XXXX.  Therefore this transaction is illegal and this money must be returned to my husband - it's rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed. 

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.
Product: Credit card

I reported Fraudulent charges on my credit card from avant around XXXX XXXX XXXX they told me I would receive a credit/reversal of the 4 reported fraudulent transactions and a month later, I have only recieved 1 reversal/credit. I called a second time to report those same 4transactions and still no reversal despite their 0 fraud liability policy, my card maintains a balance from those fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found a hard inquiry on my credit report from a US bank on XX/XX/2022. 
I have never done any business with a US bank and do not know why they put a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion states that my XXXX XXXX XXXX  account is 100 % accurate, when clearly you can see the inaccurate information place on my TransUnion credit report, I try disputing multiple times for inaccurate information such as my legal name is XXXX XXXX XXXX, not ( XXXX XXXX ) thats incorrect, ( Date Opened ) thats inaccurate, ( Balance ) inaccurate because a charge off should be XXXX, ( Date Closed ) inaccurate, ( Payment Received ) thats not correct, ( Last Payment Made ) inaccurate because my Bank statement indicate a different Day. The ( estimated date of remove ) is inaccurate, ( Terms ) isnt inaccurate I send them a validation of debt and they stated that they are NOT OBLIGATED to send me any information on the account also I send them a letter under the section 623 and also they failed to respond. I made a complaint with the CFPB and XXXX XXXX XXXX failed to respond to the CFPB also I have a recording with TransUnion and XXXX XXXX XXXX, the employee with TransUnion stated that they dont do a investigation when clearly thats violating the law under section 616 & sections 617. But TransUnion Stated that is Verified on the mail Letter that I received at my home, so I ask them for method of Verification and they refuse to send me the method of Verification and also failed to Respond to me and the CFPB, They are violating my rights and defamation of character under the ( FCRA )
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I do not recognize, and I suspect they could be the result of identity theft or fraud.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to inform you that I have sent a certified mail to initiate the arbitration process, as outlined in my previous communication. As per the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ), I am requesting that you cover the cost of arbitration, as stated in the certified letter.