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

On XX/XX/2017 I sent a certified letter to Experian and Equifax asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC XXXX letter ).
Product: Vehicle loan or lease

I am a member with PenFed Credit Union. I have a auto loan, checking and savings account with this Credit Union. PenFed took funds from my savings account without my consent to pay on my auto loan that was less than 30 days past due. On the Promissory Note of the auto loan contract agreement it states that if I DEFAULT on the loan I pledge all my shares or deposit payments of my loan balance. There is nothing in the contract that states the amount of days PenFed is allow to withdrawal funds without the member 's consent. This is the first time PenFed has transferred funds without my consent and my account has been less than 30 days past due before. PenFed should not be allow to transfer funds without the member 's consent. Especially, if the loan is not 30 days past due or in a charge off state. I feel violated and considering closing my accounts. This is true unfair treatment.
Product: Vehicle loan or lease

I made a payment of {$2300.00} to Santander on XXXX via online ; I then called Santander so that they could allocate the payments for the next XXXX  months per the rep that I spoke with before I made the payment. When I called, I spoke with a representative whom told me that the payment could only be allocated for the next XXXX months which was fine. So the payments were allocated and I wasn't due a payment until XXXX, but I went in on XX/XX/XXXX and made a payment of {$230.00} just to get my balance down because I have already paid these people over {$25000.00} for a XXXX XXXX XXXX and I still owe them {$8000.00}. So, when I made the payment, my balance was {$8100.00} ( hence, the reason I made a payment of {$230.00} ). I went to my online account today and I noticed that my balance was still {$8000.00} because {$150.00} went toward interest. I called Santander and spoke with agent # XXXX, I asked to be transferred to a XXXX, and was transferred to XXXX agent # XXXX, I asked XXXX to transfer me to someone over her so she transferred me to XXXX agent # XXXX and she told me that they normally don't get these kinds of questions because most people read their contracts. I read my contract, and there is nothing pertaining to if you make a lump sum payment and wish to have it allocated that you will be charged interest as if you missed payments. Because had I not made a payment until XXXX, as it was supposed to have been, all of that payment would have went toward interest. From XX/XX/XXXX to XX/XX/XXXX, I had interest of {$150.00} on XX/XX/XXXX {$240.00} of {$440.00} payment would have went toward interest. That is highway robbery. I called them back and spoke with XXXX agent # XXXX, and I explained to him that I didn't understand how I could be charged interest as if I didn't make a payment if the payment is supposed to be allocated to each month, I told him that it didn't make sense, and he told me it did, because he has a simple interest loan with them as well. Well it doesn't make sense to me. If you are in a simple interest loan, do not make a lump sum payment and have it allocated because interest is going to eat you alive!!
Product: Debt collection

I JUST FILED BANKRUPTCY IN XX/XX/XXXX AND ALL DEBTS WERE DISCHARGED IN ON XXXX/XXXX/2015. THIS COLLECTION AGENCY KEEPS REPORTING AND LEFT THE ACCT OPEN WHICH HARMS MY ATTEMPT IN REBUILDING MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.
Product: Money transfers

On XXXX XXXX, 2016, I walked into the Wells Fargo Branch where I normally do my banking. I requested a banker to help me wire some funds to another country. Basically, I provided all the necessary information to the banker so she would process the wire. It was towards the end of the work day. She told me that it would take 5 to 7 days for my cousin to receive the funds. Seven days passed and my cousin had not received the funds. So, I asked my cousin to inquire at the bank in XXXX where the funds had been sent to. It turned out that the Banker at the Wells Fargo branch had made a mistake when she entered the information. One of the numbers in the account was wrong. Consequently, I went back to speak with the same banker about the mistake. She compared the information I provided to her and what she had entered, and sure enough she had made the mistake. She suggested that the next step should be to amend the wire, and she did. Again, she said 5 to seven days for my cousin to receive the wire. After seven days passed my brother had not received the funds, and so I went back to the branch again. This time the manager at the branch told me that she was in charge of the case. So, she filed a recall, and pretty much nothing has happened after not. Every time I contact Wells Fargo all they are able to tell me is that they have been writing letters to the bank in XXXX but they have not received a response from them yet. In my opinion, I feel like Wells Fargo is not doing enough to recall these funds. It is a large amount of money for me, {$60000.00} that I need to give my cousin. It is Wells Fargo 's responsibility to rescue the funds and put them back into my account as soon as possible but it does not seem like it is of importance to them.
Product: Checking or savings account

Several years ago opened an additional savings account with Wells Fargo because they stated that if I had direct deposit and transferred each month into this account I would not be charged a monthly fee. Well at some point and without notification they stop that particular savings account and changed it without authorization to a checking and proceeded to start charging me a monthly fee. This went in for a couple of years without me realizing they were taking the fee. I called to tell them I didnt authorize this change and I still had direct deposit and the transfer in place. I was not given any compensation for all of the fees they had taken from me. I have been a customer with Wells Fargo/ XXXX XXXX since 1989 I think I deserve better.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold an alleged dent in my name and the collection agency bought it yet there is a balance still shown reported on my report
Product: Student loan

I took out my loans in college, in XXXX. 
I entered repayment and have been paying on them since. The balance is as follows : {$3600.00} Original loan {$3000.00} in 2007 {$6400.00} Original loan {$4900.00} in 2007 {$8800.00} Original loan : {$7500.00} in 2007 I had to file bankruptcy at one point in XXXX and wasnt allowed to include my loans, because they were student loans. I had to live through XXXX XXXX, to Navient, and now XXXX but have no relief. I have paid these off twice over yet still owe more than I borrowed. These are private student loans so I keep not getting any settlement or relief. I dont know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXXt Accounts # XXXX, # XXXX, # XXXX and XXXXXXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.
Product: Student loan

I am eligible for XXXX XXXX XXXX XXXX but Mohela can not get my payments correct. The dates of employment I submitted are entered in incorrectly, the amounts owed have changed drastically over the past several months, and I have made XXXX payments of the XXXX required but only XXXX are counting. This system and the rules are confusing and difficult to access so I overpaid for years. All of these extra payments have been deemed ineligible because it was during forbearance but I was working full-time at my university then so they should count. Last month I got a notification that XXXX payments out of XXXX counted. Every month I get drastically different information about whether my payments count and how much I currently owe. 

On the main account page it says my next payment of {$330.00} is due on XX/XX/2028 because of all the extra payments but I just got a statement saying that {$1100.00} is past due from last month. Which one is it? And shouldn't all of my extra payments be applied toward loan forgiveness? 

It is impossible to get someone on the phone ( I have tried 3 times and I get disconnected or never called back or called back at times when I can not pick up ) and unclear what I should be doing now. 

The bottom line is that I have made many more payments than I needed to in order to qualify for loan forgiveness and my loans should be forgiven. I have paid into the system much more than I needed to and have been paying my loans off consistently for over 10 years at qualifying institutions.
Product: Debt collection

Company continues to post inaccurate information to credit report without knowledge or contact.Item was not on report at all and all of a sudden appeared.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

The law also holds the original provider of information ( " furnisher '' ) accountable for providing accurate data to credit reporting agencies. This goes for all XXXX. 

There are XXXX ( XXXX ) charged off reporting on my consumer credit report, from XXXX XXXX XXXX dealer Service and XXXX XXXX Bank. According to XXXX XXXX XXXX, XXXX XXXX a charged off is an accounting term that removes an item for the asset column. A charge-off is when a debt is treated as a loss or expense because it is unlikely to be paid. This is also known as writing off a debt or treating it as bad debt. Since this was a liability on the XXXX XXXX it is considered a loss. These XXXX companies had this loss on their balance sheets and at the end of the year, they wrote it off as a bad debt and reported it to the Internal Revenue Service. XXXX and the creditor are reporting inaccurate and false information that shouldnt be reported. It is against the law to REPORT any INCOME on ANY consumer credit report. 
A charged off is considered as income for XXXX Purposes, meaning it is XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX cancelled the debt using a XXXX because the debt was over {$600.00}. The rule states : Failing to report the charge-off as income XXXX result in a rejected tax return or a bill from the IRS. In accounting there are assets and liabilities, balance sheets, and the cashflow statements. These items can not be tied to a consumer reporting for reporting purposes. It is against the law.
Product: Debt collection

I received a letter of collection for a credit card debt from Comenity Bank. With a card used from XXXX XXXX in XXXX or XXXX XXXX with my name and information without any of my knowledge. 
I also was a victim of identity theft in XXXX  which could have resulted in this happening. 
The account was used in XX/XX/2023 and through XX/XX/XXXX in XXXX XXXX mainly at a XXXX super center with an account ending XXXX. I live in XXXX XXXX Louisiana. The credit collection XXXX  ( XXXX XXXX XXXX ) is asking to pay a debt that is not mine for {$9700.00}. XXXX  Account # XXXX. Which I first found out about this XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to discover inaccurate accounts on my credit report, and I cant comprehend why theyve shown up. I reviewed my credit report as usual, only to find discrepancies that werent there before. I attempted to refresh my browser, thinking it might be a mistake, but the errors didnt disappear. Because of this, Im asking that the documents Ive submitted be carefully examined so I wont have to XXXX about this anymore.
Product: Checking or savings account

I had over draft protection plan on my business account. The over draft protection plan activated due to low funds in the business checking account. I notified the bank about the over draft protection amount totaling {$700.00} plus. I submitted a request to cancel the plan on the account. The bank informed me I had to pay off the entire amount first along with a signed letter from the bank requesting to cancel the over draft account. I paid the amount in it's entirety and signed the requested form to cancel the over draft protection with the bank manager.However, they never gave me a copy of the signed document.Therefore, I didn't request one thinking it would be documented on the account. I signed the letter in front of the manager believing all problems were resolved. My business account continued without the protection plan approximately four months.  After this time, I went into the branch to requested if there were anything pending on the account. They informed me there was a minimal amount pending from a vendor. I waited a month longer to assure there were no outstanding balances. At this time, there wasn't and I was allowed to withdraw the majority of my funds leaving about {$200.00} for any possible drafts. Next, I took my monies to find another banking institution. One month later the bank contacted me and stated I had another over draft balance after the signing of the document to close the over draft protection. Also, all previous balances were paid in full. Therefore, I went back into the branch to speak with the same manager. She then informs me that after 30 days the over draft protection would automatically reinstate. I inquire, how is that possible when you requested a signed document and balances paid in full? In addition, I never received any letter or call about the reinstatement policy. The manager implied since they put the monies into the account and I spent them. I owed them the  monies back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to the credit bureau that I have a loan with them for {$24000.00}. I did not authorize or requesting this loan. During the period of XX/XX/XXXX - XX/XX/XXXX I was jail. I could not have requested or signed any documents for this loan. This account was opened fraudulently. Im requesting this be investigated thoroughly and removed from my credit report. I have tried disputing this using XXXX karma. Now proceeding to the next step.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX but under XXXX shows that account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

Cardmember Service Elan Financial Services XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a letter written on XX/XX/XXXX of XXXX along with a form to fill in. I would like to answer the questions, which your company asked. My name is XXXX XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The cell phone number is XXXX. I believe what you tried to indicate consumer report should be credit report of XXXX ; therefore, I copy the pages with my name and your company name from entire credit report, since I believe it is safe not to give all pages in my case, when I have the fraud alert. You asked me why I would like to remove your company inquire from the list of my credit report. I am not sure why you indicate I want you to remove your company name from the soft inquires, since it just meant for the promotional purpose ; however, since I have never be interested in to acquire any more credit card now and in the past, I just prefer you would remove from all credit card reports, which I mean XXXX, XXXX, XXXX, and XXXX, if they have your company name in the list of soft inquires. I can state so because I never applied to the credit of Valley XXXXXXXX XXXX I used to have a business account in the name of the XXXX XXXX ; however, due to the influence of the Pandemic, I have decided to stop using the business account, even though I still own this small business as a sole proprietor and changed the business bank account into my personal name account. Still, I do not have any credit cards related with Valley XXXXXXXX XXXX. If you still have the question, please contact me again. Again, I clearly states I never own the credit cards from your company and any companies related to Valley XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX SERVICES XXXX
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 : Untitled Account XXXX Account Name : XXXX Account 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 XXXX 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

Received phone call early XXXX stating that I court papers have been issued & papers will be served at my employment. Also stated that I will need to be present along with supervisor to sign papers. Has called my work place including mangers and family members several times in the day. Finally spoke with them and stated that they are collecting a debt from a previous loan from XXXX and if not paid, will include a {$6000.00} fine to pay for attorney fees. Phone number is listed at XXXX under name " Central mediation Services ''. Address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When calling, I keep getting the same woman. Have already made XXXX payments in the sum of {$300.00} before realizing it was a scam and have cancelled my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

each bureau expect XXXXEquifaxXXXX  has removed and deleted - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not have they only failed to comply or properly investigate, but the collection agency has not been able to verify and validate this debt as mineXXXX XXXXXXXX has refused to investigate the accuracy of this account.
Product: Money transfer, virtual currency, or money service

Previously XX/XX/2023 conversation paypal and XXXX  from paypal. I'm upset of current decision. I understand the transaction was processed correctly from xoom, but I have not received any communication from the seller. 

This lack of response is terrifying, and I feel uneasy about the transaction. I am requesting a refund to address these uncertainties and ensure a satisfactory resolution. In the future, I will be more aware of potential risks. I apologize for any inconvenience caused and appreciate your guidance moving forward. We are asking refund {$3000.00} in check whatever. I can not have more risk at all my PayPal account. The user who caused me scamed to me is XXXX XXXX. This is very important to me for XXXX of safety. 

Issue : Will not issue me refund. Paypal or XXXX  from paypal is not doing their job protect safety. 

Respectfully, Consumer user XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;