23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my credit report, I saw a negativeaccountfrom XXXX XXXX, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from Ture Accord ( the company XXXXsaid they sold the debt to ) that is a violationof federal law.I can assumethat both XXXXand TrueAccord know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow XXXX and TrueAccord are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX XXXX XXXX, XXXXXXXX XXXX all parties involved should be ashamed of themselves
Product: Payday loan, title loan, or personal loan

When I initially agreed to the loan, my understanding was that the monthly payment would be a lesser amount. However, when they emailed me the amount due each month, it doubled. Also, the total amount due on the loan equals out to be approximately four times the amount that I would owe. I borrowed {$600.00} and now I owe over {$2000.00}. I called to try to get the payment divided up to a lesser amount, but they advised me that I should stay with the contracted amount originally submitted to me. I am on Social Security XXXX, and at the present time, I am struggling financially to get this debt under control. Basically it has become a hardship for my house hold. Instead of a {$600.00} asset, it has become a burden. I have since been diagnosed with Multiple XXXX XXXX ( XXXX XXXX XXXX ). The cost of the medication that has been prescribed for me is somewhat expensive, but I need to take it.
Product: Vehicle loan or lease

Account # : XXXX VW CREDIT XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2022 To whom it may concern, XXXX, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). 
VW CREDIT XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. VW CREDIT XXXX, ILLEGALLY obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and XXXX. I did not grant VW CREDIT XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of the VW CREDIT filings to all consumer reporting agencies. 
- Remove reporting of the VW CREDIT XXXX filings from all consumer reporting agencies. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed I had several inquires from XXXX and was told they can not be removed because they are tied to an open account. Im not sure how that is possible because the account they are saying its attached to was not opened until XXXX with XXXX which it shows that on my report. Ive tried calling all 3 bureaus but only XXXX removed them. XXXX and Experian are telling me to call each company and have them remove it and Ive called all companys only to be told I need to call XXXX and Experian.
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 Any 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute several credit inquiries listed on my credit report, which I believe were either unauthorized or incorrect. Please review the following inquiries that appeared on my credit report, and I request their removal as they are adversely affecting my credit profile : XXXX XXXX  Type XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Type : XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Type : XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Type : XXXX XXXX XXXX  Date : XX/XX/year> I have reviewed my records and found that I did not authorize these inquiries. According to the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

Please conduct a thorough investigation of these inquiries and remove them from my credit report if they are found to be inaccurate. Enclosed, you will find a copy of my credit report highlighting the disputed inquiries for your reference. 

I kindly request that you update me on the outcome of your investigation. You may contact me at the address or phone number listed above if you require any additional information or documentation to assist in this process. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my XXXX XXXX XXXX son was contacted by someone on XXXX and asked if he had a USAA XXXX account and said they would pay him to talk to and be a friend of the scammer. My son was provided with {$11000.00} in checks, mostly {$1500.00} but one {$2500.00} check to deposit to his account. The funds were deposited to the account and the entire amount was immediately made available. He was able to make two wire transfers, onXXXX in the amount of {$1900.00} and the other for {$2500.00}. The scammers provided him with a video via XXXX on how to make a wire transfer on USAA. Additionally, he was instructed to XXXX two transactions and make visa gift card purchases. All in all, he was allowed to have access to withdraw the the entire amount through various transfers and purchases. USAA reports that they sent an alert to the XXXX XXXX XXXX account holder. They did not send alerts to the adult account holder. I noticed that another consumer reported a similar experience in XXXX of this year. These scammers are intentionally targeting youth with USAA accounts because of the lack of financial controls that other banks have implemented. USAA is aware and is not acting responsibly. I can't imagine any universe where a XXXX XXXX XXXX needs to send wire transfers. My own bank limits ATM withdrawals to {$1000.00} per day on an adult account! 

USAA is failing to implement appropriate controls to protect military consumers with youth accounts. They are aware that their youth accounts are being targeted, as evidenced by the report filed a couple months ago, and the multiple communications I have had this week, and still fail to take action to protect their consumers. 

Additionally, USAA has denied me to take a loan to preserve my credit rating, even though I have good credit and financial means to pay. " There is no second look. '' They are not working with me at all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing to dispute some information regarding my student loan thats currently being reported by XXXXDepartment of Education on my credit report. After reviewing my report, I believe there are inaccuracies that need to be addressed, and Id like to request your assistance in resolving these issues. 
Informed Use of Credit According to 15 U.S. Code 1601, its crucial for consumers like myself to be fully informed about the terms of any credit we take on. Unfortunately, I dont feel that I was provided with clear and complete information about the terms of my student loan when I initially agreed to it. This has led to decisions that I might not have made had I been better informed.

Protection of My Personal Information Im also concerned about how my personal information is being handled. Under 15 U.S. Code 6801 and 6802, financial institutions are required to protect my nonpublic personal information and ensure that Im given a clear opportunity to opt out of sharing this information with third parties. Im not certain that this was done in my case, and Im worried that my data may have been shared without my full consent.
Product: Checking or savings account

Ref # XXXX I received a letter from the OCC stating that the CFPB has jurisdiction over my situation with Wells Fargo Bank. From what I have read, WF hasn't complied with Regulation E and in fact, has several violations. It states online regarding Error resolution processes, that WF had a maximum of 90 days to complete their investigation regarding my fraud claim. If they needed more than twenty days, I was supposed to have been issued provisional credit. It also states that they were not supposed to have closed my account, nor threatened me with credit reporting agencies. It also states that I should have been given notice about the status of the investigation. It has now been an astonishing six months since I first contacted Wells Fargo and reported this problem. The fraud department froze my online account access in late XXXX or early XXXX ; therefore I assume they had my information then. I also hand delivered proof of my allegations to the WF personnel in Branch and the manager of that branch ( XXXX, XXXX ) printed out my statements and he and I went over the transactions in dispute in detail. I also showed him the evidence I had of the fraud. I called the CFPB and asked them who enforces Regulation E after I received the letter from the OCC stating that they had closed my claim, citing that my situation is one which involves Reg E, and asked the woman I spoke with by telephone who enforces it, but she said she couldn't tell me. I feel as though I am being treated unfairly, and Wells Fargo 's answer both times they've responded to the complaints was that they needed additional information ; information that I had already given the branch manager in person, a decision maker by phone, the basic situation was explained also to the rep who froze my online account access prior to the request. The last one requested I provide the information in writing to the address listed. I have since complied with the request from Wells Fargo. Notwithstanding the effort I have put forth trying to assist in validating my allegations, or the financial toll that this has burdened me with ; I have been very patient. I have had to absorb this loss while simultaneously trying to recover from being XXXX XXXX, then ambushed and presumably XXXX XXXX  six days later ; finding out that the person I had been involved with was making XXXX  videos of my XXXX  for profit ; being displaced from my residence ; and trying all the while to spark the interest of police personnel to provide me with the protections that I assumed were my right as a US citizen ; alas, I have yet to even smell justice. This situation is especially egregious because the people I believe are responsible for stealing my money did so with malice and by using methods of extreme harm which I am still trying to sort out ; however that is difficult to do without counseling, and the lack of funding on my part is a big part of the problem. I hope that this matter is also further explored by the CFPB for Regulation E violations.
Product: Credit card

I dont know what happened Im just looking at my credit report and I see accounts that dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been sent several proof of validation letters, even certified mailed. Which as a consumer I have the right to get a copy of how an item was verified as accurate on my credit report. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter in 30 days, if proof is not submitted within 30 days the item should be removed. Which I have never received a copy of how this verified, because they are wanting to ignore the laws of The Federal Trade Commission as well. If XXXX has provided proof to me before this complaint please attach a copy of dated prior to this complaint. this company has only sent stall tactic letters stating Verified but no proof attached. 

I am disturbed that you continue to list the Bankruptcy as confirmed. I aware that you receive your information from a third party verification known as XXXX. This system is sometimes not accurate because of the limitations of providing a complete Social security number The FCRA mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief " Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemeed non existent, It is only fair that in accordance with with Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting ACt you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response with 3-5 business days.
Product: Credit card or prepaid card

I had 2 fraud transactions by the same company on Banana Repub CC in XXXX and reported to Barclay bank in XX/XX/2022. Only charges on the card were fraud at the time and I did not have to pay until the investigation was done. I received a letter in XXXX from Barclay saying the investigation was completed, fraud was confirmed and I didn't owe anything. Later, I received a bill and I was charged late fee and interest fee. Every month sometimes twice a month I had to call Barclay fraud dept, wait on hold verify my identity and still start over again unitl XXXX when I had broken down as they repeated the same thing, Barclay Fraud dept had to re-investigate the same charges. Same charges were re-marked re-investigated for months. Over time the late fees and interest fees grew and I was reported to the credit bureau. I had told them that I had several of those similar conversations with the fraud department and that they said they would later resolve with credit bureau once the fraud was confirmed. Finally after me crying on the phone for someone to help, I received a call from Barclay and the person resolved the ongoing issue. At this time, I am shown as 6 months delinquent payment with more amount owed than fraud charges. Finally, the balance of the account is XXXX and removed all the fees associated with it .Now, I asked Barclay to help me with credit bureau and they are asking me to mail them all this information and they will look into it. I had filed dispute throuh XXXX and they send me a letter saying they had repported deliquent payment accurately. Its beyond my understanding that they confirmed fraud charges, they removed after traumatizing me mentally and now they want me to send them more documents What do i need to provide, they are responsible for messing up my credit score as they weren't efficient enough to take care of things soon enough and are asking a letter with details and paper proof. They have all the proof they need. Please help, as this has caused mental trauma to me and them still asking me to go through similar process. I have lost my faith in them trying to do anything to help. I had been Banana repub customers for years..I would like my credit score to be updated to what it should have been in XXXX. I need your help please. I have documents supporting what I told here. I had filed official complaint with Barclay complaint dept in XX/XX/XXXX and no action has been taken.
Product: Credit card or prepaid card

I made a call to XXXX XXXX XXXX XXXX to cancel a trip. Back in mid XXXX ( on or around the XXXX ) I called to complain about a time share stay I had and they had tricked me into believing I was getting a free " courtesy trip '' for my trouble. 
After scheduling the trip they informed me this was going to be a sales pitch and not at a resort but a stay at a hotel and " any adult with me had to attend this presentation ''. 
I called about two weeks later and attempted to cancel this trip with them and was told I was two days too late to do so. 

I took the next step to call XXXX Chase Card Services to put this in dispute. The CS Representative advised me they would not put it in dispute via verbal complaint and I had to send it to the Executive office in writing with my documentation. I did this on XX/XX/XXXX. The Executive office had me fax it to another location as she stated this was a XXXX XXXX XXXX XXXX  issue and is handled elsewhere. She also advised it would take at least 30 days to get a response from XXXX. I followed her direction. 
I waited and after two months called to follow up as I had received nothing in writing. I finally received a confirmation letter in XXXX, Meanwhile Chase billed me several late fees and an Annual Renewal fee in XXXX. There collections dept. began calling saying I was incurring late fees and I needed to pay them. They also stated they had nothing in their system that a dispute was active. At that time I also had no correspondence that my complaint was in dispute status, I did not pay them this fee. I did not trust they would not turn around and put it toward the charges I was disputing and determine the rest had to be paid. I had advised them of this during their and my phone calls. I called the Chase directly and spoke with XXXX on XX/XX/XXXX after one of the above calls was received by me. He assured me he would handle it and gave me a case number XXXX I never received a final determination in writing from them and called them about the late fees that were charged to my account. They reversed the during that call on XX/XX/XXXX. They told me I had a XXXX balance for annual fees for XXXX. I paid that via phone and then the Rep told me the card was closed. This month XX/XX/XXXX I received a bill for XXXX. I called them and they said they reversed fees twice in error and this was the balance due. This has been a complete and total run around I have gotten from XXXX Chase Cardservices. I do not recommend them. One of my biggest concerns is that I have great credit and they put this on my credit report as a non payment issue vs disputed charges. In addition to charging a XXXX annual fee for a card they closed, none of this was put in writing as a final decision on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue 1- Mil star is reporting the same negative account to Equifax twice but, will two different sets of data.

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years.

Issue 3- Equifax is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX  is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX. I told XXXX, Transunion and XXXX to investigate these 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
Product: Mortgage

XXXX XXXX XXXX was my alleged servicer to receive payments on my mortgage. I was in foreclosure and Bankruptcy when XXXX became my servicer and was assigned to XXXX XXXX as my Bankruptcy Account Manager. I asked XXXX on a recorded line who owned my Note and he replied we " don`t know ''. XXXX XXXX XXXX filed a false Assignment of Mortgage in the land records and charged my mortgage account monthly payments late fees, inspection fees and paid attorney fees all to collect payments through fraud for a party they can`t identify. How can a mortgage servicer charge any fees for a party they cant identify
Product: Credit card

A private ledgering instrument was sent to Discover Card Services for the account number XXXX, they credited my account for {$15000.00} for the lost payment sent in XX/XX/XXXX which was addressed to XXXX XXXX in the Executive Office Of Customer Advocacy Department, XXXX XXXX instructed me to send a restrictive endorsement per letter attached, the tender of payment was signed for and the certified mail receipt is attached with the person who sign for tender of payment, the payment of {$15000.00} has since been reversed because they cant find the tender of payment signed for, I have called of several occasions with no responses on call return when requested. Please see the attached documents and the need to correct their billing error. 

I have also instructed Discover Card Services to contact the IRS commissioner if they do not understand what to do with tender sent for this account # XXXX. Re : TENDER OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX I XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the tender of payment of {$15000.00} In XXXX of XXXX, another form of tender was sent in the amount of {$25000.00}, hereinafter TENDER, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service XXXX and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said TENDER of {$15000.00} and the tender of {$25000.00} accepted by the IRS to send credit to Discover Card Services. 

Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has tendered private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly.