23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Your latest response states this account originated with XXXX XXXX XXXX XX/XX/2013 ( attached letter ). However, this alleged open date was NEVER provided in your previous dispute responses to me through the four previous CFPB cases : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. You have provided NO documentation validating this account open date. I dispute that this account was opened on XX/XX/2013, as there has not been provided after multiple CFPB cases requesting definitive proof of the account 's origins. I dispute this claim as you have NOT provided the SIGNED ORIGINAL APPLICATION or CONTRACT with the alleged date of XX/XX/2013. Do not make unsubstantiated claims about the origins and age of this account without proper documentation. -- There is NO original application or contract showing the creditor, account number, date opened, or terms. -- The unsigned statements do not prove this account was with XXXX XXXX or opened on XX/XX/2013. I dispute this unvalidated claim about the account origins as they HAVE NEVER been provided, especially with the last letter stating a XX/XX/2013 open date which was never provided after 4 different CFPB cases providing proof...
Product: Mortgage

I contacted my mortgage loan servicing company, informing them that my XX/XX/XXXX payment would be late. I explained to them I would be making the payment, which is due on XX/XX/XXXX, on-line, on or before XXXX XXXX, to which they replied ok, that they would note this in my file. On XXXX XXXX, 2015 I went online and made a payment to my mortgage loan servicer Seterus XXXX for {$1600.00}. via XXXX XXXX XXXX. XXXX days later, on XXXX XXXX, 2015 & unbeknownst to me, the servicer of our loan, Seterus Inc, made an " unauthorized '' ACH withdrawal from my checking account for {$1600.00}. This placed my checking account in the severe negative and has cost me over {$200.00} in overdraft fees. When I contacted them they stated they had a recorded message stating that I had authorized the withdrawal, which is absolutely false. I simply called them out of courtesy to inform them that XX/XX/XXXX 's payment would be late. When asked for a copy of the audio tape to verify, they then changed their story, stating there was no actual audio tape just a transcript that was entered into the computer. I then asked for a copy of the transcript and I was told no. They then requested I send them written notification from my bank that the ACH would not be denied or returned plus copies of my bank statements showing all overdraft fees accrued. I have faxed these documents to them however, when I contact them for a resolution, they continue to argue that I had authorized the ACH, which is completely false.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX the State Attorney for N. Y died XXXX XXXX XXXX and stated they were prime lenders and preyed on poor people who suffered from their fear tactics and they had to pay the board members because they lied and lower the amount of money. 
For us poor people of alabama we have no one to fight for us who no one to fight for prime lenders practices.. I had an accident when they came to repossession of the car and I didn't get the money I should have gotten because they wouldn't let the insurance XXXX know where the car was. They did tell me I would have to pay exorbitant fees for them to look at the car and I was helpless. What was done he did remove the late payments from the credit bureau put put the balance of the car on my credit report and is keeping me from buying the house I have live in 5 years and I as a XXXX of XXXX XXXX XXXX has left me XXXX XXXX  because they hold the keys and what little time I have it looks like they have the key and I'm no match for these double dealing prime lenders. It seems like poor XXXX don't stand a chance when they realize your age.
Product: Mortgage

I am writing yet again another complaint against XXXX XXXX from PFC ( Personal Finance Center ) and their attorney XXXX XXXX based off of their total disregard for the Consumer law, Federal law, and the XXXX XXXX. They issued a notice of foreclosure on XX/XX/XXXX and I filed a complaint against them to which they did not stop the sale of my house and only postponed it to a week later which is XX/XX/XXXX they have yet to respond to the complaint I filed on the 2nd but yet I was served an apparent " expedited foreclosure " on XX/XX/XXXX which based off of the XXXX XXXX is not recognized here and even if it was my home does not meet the criteria to merit such an order. PFC and their attorney XXXX XXXX have shown time and time again their total lack of respect for their customers and also their total disregard for any of the Laws they stated they apparently follow which they do not in anyway and my previous complaints and their responses are enough to prove my point even up until the time of writing this complaint they have never came forth with any sort of resolution to the issue at hand and instead are more focused on foreclosing on my home. I am very displeased at XXXX XXXX ( PFC ) and their attorney XXXX XXXX at not only how unprofessionally they conduct themselves but how unwilling they are to assist their customers. I would like to see a resolution to this but I highly doubt there would be one seeing as they are more focused on foreclosing on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020 I filed disputes with all 3 credit bureau. As of today I have yet to received anything from any of them. Can you please tell WHY?. The law is 30 days and it been 4 months. I am confuse as to how it can take so long to send results. I have attached proof of the first disputes I filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Checking or savings account

Navy federal have the opps account I did not have the money and where still charging overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX Address:XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Consumer XXXX Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; 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 
These banks are not allowing me to open up a bank account with them because I am in ChexSystems thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX 2017, Capital Accounts began reporting a medical debt to my credit from XXXX XXXX XXXX XXXX. This was shocking to find on my credit for a number of reasons. 1- I am insured, so there should be no debts owed to the doctor. And I certainly did n't know they thought I owed them anything, as I never received a bill. Otherwise, I would have handled the mistaken debt with them directly. I dont even know who XXXX XXXX is. 2- When I looked up Capital Accounts to make sure they were a legitimate company, and not one of the scammers that have become so prevalent of late, I discovered that they are n't licensed to collect debt in Florida . Both the doctor and I are both in Florida, so I 'm honestly not sure how it 's possible for them to be reporting a debt they are n't even allowed to collect. Though it may explain why I never received notification from them prior to the account being reported to my credit for non-payment. 3- The amount I supposedly owe keeps changing. When I look at the reported balance history on my XXXX report, the amount increases a couple of dollars each month. Is interest being added? Or has Capital Accounts decided to tack on fees for the debt? I did n't think that was allowed.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

After learning about the Fair Credit Reporting Act 15 USC 1681 section 602 I have attempted to reach out to the TransUnion to file an initial dispute. While chatting with XXXX XXXX right as we were getting into the dispute process the chat disappeared. At that moment I went and tried to submit an online dispute and an alert was sent that I could not place a dispute online it would have to be by mail or online. In accordance with the Fair Credit Reporting ACT. As the creditor has violated my rights under the 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 section. It also states that a reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666B a creditor may not treat a late payment on a credit card account an open end consumer credit plan as late for any purposes. 
However they are reporting and making it very hard to dispute these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. West lake and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) westlake have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! Westlake would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for westlake because they got the loan according to 12 usc1431 Also the credit bureaus took westlake financial off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for Westlake and the 3 credit bureaus ( XXXX XXXX XXXX XXXX XXXX and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that westlake and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing
Product: Credit card or prepaid card

Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, and Equifax credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

This company prince parker has called multiple times about a debt of now XXXX it originally when they started was XXXX I have told them I do not ow this debt and I have contacted XXXX and XXXX XXXX given them the information they gave me and repeated time have told me I do not ow any money to them. I have told them to stop calling me and they continue to do so. Today I got the information to dispute the debt and have done so with the email given to me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the Transunion about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXX XXXX Credit card XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX there were 2 payments of {$310.00} taking out of my checking account from Hyundai Motor finance. On XX/XX/XXXX I called and told them that was a mistake, only one payment was supposed to be taken out and I would like the other one refunded. On XX/XX/XXXX the refund processed and I was told it would take 16 days to get it by check. After waiting a Month, I still never received the check. I called numerous times and everyone in the department kept giving me the run around. One agent told me the checked was mailed out, and then another one told me the check was still being worked on my their processing department. XXXX XXXX I told Hyundai Motor Finance to just apply that refund to my XXXX balance so the month of XXXX will be paid for. Again I was told okay, they cancelled the refund and emailed the processing department so they can apply it to XXXX. As of XX/XX/2020 they still havent applied the refund to my XXXX statement! Theyre trying to tell me I owe them {$170.00} or around that amount. Also no one still can give me an answer on why its taken 2 months and still nothing has been done.
Product: Credit card

I opened a Venmo credit card with Synchrony Bank in XXXX of XXXX. I have made purchases and payments since then. On XX/XX/XXXX of XXXX, I made a payment for the balance in full ( amount - {$3000.00} ). This payment has been placed on a 14 day hold which I find to be extremely excessive when compared with TILA payment hold requirements. The reason for the hold they state : the account is less than 6 months old and they wish to verify that the funds clear. The funds cleared my XXXX  checking account instantly. I notified asynchrony banks customer service department and escalated twice to a manager to have the hold removed. I was told there is no way to remove the hold, and that I would have to wait 14 days for my available credit to be updated. Their solution was for me to apply for a credit line increase which sounds like predatory lending under UDAP and UDAAP. There is no reason to hold an electronic payment 14 days simply because my account is newI have no history of delinquency and no returned payments and therefore my available credit should be immediately ( within 48 hours ) be reflected. Synchrony claims there is no way to manually remove the hold, which I interpret as a lie or an extremely poorly designed process which in either case violates TILA, UDAP, and/or UDAP as well as other consumer protection regulations that may not be cited in this complaint.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 Stated a Consumer Reporting Agency Can not Furnish a Account Without My written Instructions.
Product: Checking or savings account

A erroneous payment was deducted from my Wells Fargo account. I had the company that took the payment reverse the charge. For some inexplicable reason, Wells Fargo has no idea where my money is. In order to understand what happened, I asked for the policy that governs these issues. I spokew to XXXX seperate representatives who acknowledge a policy exists, but refused to provide the policy itself. They proclaim the policy I asked for is unavailable to the public because of " security ''. However, my request doesn't violate any privacy rights. I accepted the reply but asked for the policy that states they are prohibited from disclosing the requested policy. When refused this policy, I asked to file a complaint. XXXX refused to document my complaint verbaitim. He kept changing the words being dictated to him presumably, to cover any wrongdoing. As a customer, I have a right to know, and expect my XXXX institution to know where my money is at all times. If my money is not available to me, and the whereabouts are in question, it is considered stolen. I have a good faith reason to believe Wells Fargo is using deceptive trade practices to benefit from my money without disclosing its use. I would like an investigation done to determine what is happening to the money during the time it is unavailable to me. XXXX, XXXX, and XXXX were the representatives I spoke with. All of them were evasive with their answers. Wells Fargo is not being transparent. I need help.
Product: Debt collection

XX/XX/year> My property consultant notified me of having false marks on my credit and to notify the companies as such. 

I contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX contacted back and requested of bunch of information just to get told they can't remove the false information. I told them they should already have a dispute in because I sent directly to XXXX. Which shows XXXX did not do their part. 

I contacted my consultant and let them know about the issue and it was suggested that I contact you for you to get the negative false info removed!