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

I have reported the following accounts to Experian as disputed and inaccurate Ars # XXXX No Contract- No Verification or Validation of debt amount- No proof that XXXX owns or has a right to collect anything on this account XXXX XXXX # XXXX No contract- No debt verification of Collection amount listed- No proof of ownership or right to collect debt XXXX  XXXX # XXXX No contract - No debt verification or Validation of amount listed- No proof of debt XXXX XXXX # XXXX No contract- No debt validation or verification of debt amount- No proof of debt amount in collection I have enclosed documents showing that these accounts are being reported inaccurately and should be deleted. I have filed complaints with the Consumer Federal Protection Bureau concerning these accounts
Product: Debt collection

I was checking my Bank Account which offers credit score monitoring, I noticed my score made a big drop. There were XXXX collections for the same amount. They said it was from XXXX. I have XXXX so I went down to our local branch to see if they could shed some light on the subject. They went back though my account multiple addresses and said I didn't owe them anything. I filed a police report with the XXXX XXXX Police Department in XXXX tracking number XXXX. I have contacted XXXX and will contact XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This is in regard to the following inquiries : Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

XXXX DOLP- XXXX XXXX-DOLP-XXXX Trans Union-DOLP-XXXX As stated in the FCRA All information contained in my report must be 100 % correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I had a business credit card with bank of America. Began a repayment plan. The attached email shows the agreement. It says I can pay online. Once started they closed my account. They send me emails telling me I have a new statement and to log on to view. However they closed the account so I can't view online. They also say I can make payments online. However this can not be done either. I have to call in or go in person. When I call there is a long wait to get ahold of anyone. I never know how much I owe, my balance or how payments were applied.
Product: Debt collection

This is not my account. The dates opened, last reported, and last active are all incorrect!!! You even fail to validate this account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.

Secondly, FedLoan mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place.

According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that FedLoan Servicing produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple FEDLOAN Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit card or prepaid card

On XX/XX/XXXX, while traveling to Texas I got an email from CapitalOne Walmart asking me to call them to verify some suspicious transactions in my account. 
Early Morning on XX/XX/XXXX I called them and We reviewed all transaction since last month and found that I did not recognized about 15 transactions Between XX/XX/XXXX and XX/XX/XXXX. 
They proceeded to Open a case and credit such amount to my account ( About total of US {$5400.00} ). I  confirmed same XX/XX/XXXX transactions where properly reversed. 
On XX/XX/XXXX I noticed the balance on my account was back to more than US {$5400.00} and all transactions where applied back to my balance. 
I called immediately and the Fraud Agent Told me that was normal and it can take abot 3 more days to be corrected. 
On XX/XX/XXXX I received a letter from the Bank dated on the XX/XX/XXXX denying all claims and in a very disrespectful sentence saying that they had enough information that leads them to conclude that me or some other authorized person in the account benefited from those transaction. 
I was of course again totally disappointing and called them again. They after a long discussion told me they will need to pass the case to some fraud department at Walmart and that they should be calling me back in no more than

48 hours. After 72 hours without any call back from Walmart I sent a Letter appealing their decline and I make them clear and send proof that even some transactions happened in XXXX XXXX while I was in XXXX. I was able to find a Walmart Link and downloaded all receipts for those 15 transactions and they were done in about 9 days distributed in 5 or 6 different stores in Florida XXXX County. 
So, how can they conclude I was the one benefit from such transactions in just 24 ours after the report? ( By the way, all of them are XXXX gift cards purchases ). 
They should know they can open an investigation and use an enforcement officer to request Walmart the VIdeos on each one of the stores, from the specific cashiers on the time they happened. 
Some additional facts are : 1 ) I still have the Walmart XXXX XXXX   card with me and never was used by anyone else. 
2 ) When Capital One toke over the Walmart Credit Card, I did all what was requesting regarding enabling the web access to the account. 
3 ) I never received any replacement card, and if they did, then someone else stilled. I was out of the country since XX/XX/XXXX until XX/XX/XXXX and I had my mail on hold at the postal office. When I picked up on the XX/XX/XXXX,  no replace card was there. 
My complain against the Bank is their lack of responsibility and they fault to do an investigation. They toke the easy way, just put those charges back on my account and blame me about a fraud that I didn't commit. 

This has generated damages to me in a personal and emotional way as well as the impact generated on my credit scores putting a High Balance in my account that doesn't belongs to me, and avoiding me to face the problem and respond with an explanation of their conclusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I originally requested PMI cancellation from Seneca Mortgage in XXXX after our county appraised our property at XXXX times our purchase amount. Seneca responded that they needed more time and to not file a written request yet, as they had made a mistake in acquiring the loan and only had record of XXXX of our XXXX acres. I made numerous phone calls over the next couple of months, spending 5-10 hours on the phone checking on the status of Seneca 's progress in servicing all XXXX of our acres. Finally in XXXX, they assured me they had resolved the issue. My written request for PMI cancellation was processed in XXXX. However, Seneca denied my PMI request for cancellation after an appraiser completed his appraisal of XXXX of our XXXX acres - appraising less than 33 % of the value of our property. 
After fighting with Seneca for 4-5 hours on the phone over the course of 2 weeks, they agreed to conduct an appraisal of our property that did not violate the Home Owners Protection Act. 
Seneca failed to complete this appraisal. In XXXX, over 5 months after requesting PMI cancellation, Seneca transferred my loan to XXXX. XXXX is currently claiming that Seneca refunded my appraisal fee at the request of Seneca, effectively cancelling my request for PMI removal.
Product: Credit card or prepaid card

In XX/XX/2016, I purchased a refrigerator from Homedepot.com. The appliance arrived, was too big for the space and I asked the driver to take it back. I was told I had to sign for it and make arrangements to have it picked up. When I called Homedepot.com and explained what happeded, they said that I should have refused the delivery and that they would not come get it because I signed for it. I took the matter up with my local Home Depot store and they decided to help me. The refrigerator I ordered was XXXX dollars. I had to buy a new fridge in the store and because my space is that of an older home, smaller refrigerators are now considered custom sizes and cost more. The new fridge cost up towards XXXX. I had to have my credit increased because I did not have a high enough balance to carry both fridges. Home Depot could not credit the first fridge until they picked it up and I could not schedule the deliver of my new fridge until it was paid for. The store kindly offered me 24 months interest free for my hassle. I took the amount of the fridge and divided it by 24 months and set it up on auto pay so that I would not miss a payment. 6 months later, I went to Home Depot and I purchased some flooring in the amount of almost XXXX dollars. I did not realize that the flooring would be on my revolving promotional purchase ( because they don't tell you that ) so in short, the auto pay payments that I was making went toward the floor and not the fridge. When my 24 months was up, I now had a balance on the promotional offer and therefor, all the interest was forwarded to me. My XXXX refrigerator is now over XXXX As the consumer, I was never told that any future purchases made over the next 24 months would affect the promotion. I was offered 24 months because my purchase was over XXXX because I had to carry both refrigerators until I could be credited for the first one. I called Home Depot credit department and asked them to help me and I was told they could not and that I am responsible for the interest. My complaint is, how am to know that any purchase after the promotional purchase effects the bottom line. I was never told this and in my mind, the fridge would be paid off in time and the flooring would accrue typical finance charges. Please help me.
Product: Debt collection

I am not aware that I am being charged, I dont have any idea or knowledge that I am charged or being charged by this companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.
Product: Credit reporting or other personal consumer reports

I have asked XXXX XXXX for the validity of an account and to date in multiple disputes they have not evidenced the account with a contract signed by me. I urgently request that all reporting of this account to the credit agencies be stopped immediately and that it be removed from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect inquires on my credit report, it has been well over 30 days and still have not received any investigation results.
Product: Checking or savings account

I've contacted the bank to discuss the recently auto-renewed ( XXXX XXXX IRA CD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the agent couldn't locate the account as the agent didn't think it could be IRA CD, not the regular CD ( I was traveling and didn't have the exact info with me then ). When I called them 2nd time on XXXX XXXX XXXX the different agent located the account but required to have another bank where the fund to be transferred to issue a transfer data form with my signature and mail/fax it to Discover ( the due to avoid further early withdrawal penalty wasn't indicated then but mentioned the penalty would be about XXXX XXXX 
He couldn't close the account to move it to one of their saving accounts right away due to their own internal policy to do so right away. Therefore, I decided to transfer to another local bank. According to the local bank, the transfer form was mailed out on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, one of Discover bank agent called me, saying if I still wanted to transfer the IRA CD to another bank as the new penalty XXXX to {$230.00}. I was shocked of the sudden increase of the penalty, and requested to talk further with their supervisor ( XXXX ), who strongly denied to reduce the penalty due to their internal penalty as the transfer form arrived on XXXX XXXX, XXXX. The local bank 's mail date was XX/XX/23 and Discover insisted that they received on XXXX XXXX, XXXX. It was eventually closed and moved to another bank and Discover charged {$230.00} for the EWP. According to the USPS headquarters, the domestic standard mail delivery takes 3~5 days. I don't understand why the customer is supposed to be responsible for the holiday weekend delivery delay. I bet the internal process of Discover may have taken extra days from the mail room to internal department. 
I requested the post stamp proof by sending me the copy of the envelope as well as the description of the EWP, they failed sending me both as of today ( XXXX ) although the check with the EWP deduction was delivered to the local bank last month.
Product: Credit reporting or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


XXXX # XXXX - {$45000.00} ACHIEVE PERSONAL XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX State Employees XXXX XXXX State Employees XX/XX/2024 XXXX XXXX XXXX XXXXXXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows Capital One, XXXX  XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
Product: Money transfer, virtual currency, or money service

For several years I have complained with my bank and cash app about my transactions being doubled and tripled for multiple cash app transactions. Everytime I disputed or complain they tell me no errors are found but yet today while looking at my finances bank account it clearly shows this same occurrence. My cash app transactions are being deposited into his account XXXX times each transaction. Cash app has ignored my arguments about someone stealing my cash app account in whole and refuses to acknowledge any errors on their part. This has cost me several thousands of dollars and is currently still happening since XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the alleged debt associated with Transworld system inc XXXX XXXX XXXX Account # XXXX, showing a balance of {$300.00}. This request is made pursuant to Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Please note that I do not wish to receive any further phone calls, letters, or any other form of communication from your agency. If you believe this debt is valid, I request verification of the debt, including documentation proving the validity of the amount and your authority to collect it.

This letter does not serve as an acknowledgment of liability or agreement to the validity of the alleged debt. Any further attempts to contact me outside of what is legally permissible may constitute a violation of the FDCPA, and I reserve the right to report such actions to the Federal Trade Commission ( FTC ) or pursue legal remedies. 

You are required to honor this request immediately upon receipt. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

Account was opened on or about XX/XX/XXXX. Under the promotion I was supposed to receive {$100.00} by XX/XX/XXXX. The {$100.00} was never credited to my account despite meeting the promotional terms.
Product: Bank account or service

Wells Fargo ( WF ) was my bank for a period of over 10 years. During these years WF had my trust and was my banking institution. More recently this trust was shuddered by WF on my finding that certain accounts were opened with out my permission and my knowledge. On my informing this to WF managers and I talking to press representatives about my situation I was quickly pointed out by the management of the bank for closure of all of my accounts dealing in a personal and business level. Over 13 accounts were closed by WF in an act of retaliation of reporting illegal activities by the bank. The closure of account has a cost of purchasing hundreds of dollars and staff time to re organize my banking systems. Retaliation and the reporting of wrong doing should not be a reason to close a customer bank accounts. Yet WF did.