23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Made numerous contacts to  Trans Union  about this  XXXX   XXXX  account and submitted actual billing from this agency listing the  XXXX   XXXX   XXXX   XXXX   XXXX  as the primary payer of this account. I submitted numerous requests with proof that the bill was not mine and to no avail. I spoke with  Trans Union tod ay and my latest disputes were not listed and the most recent was   XXXX   ( cancelled  )  and redisputed in  XXXX . I submitted documents to Tamaya from special department on   XXXX   XXXX   to a wrong fax number and later sent to main  Trans Union  fax in attention to the Special Dept attn :  XXXX  : According to a  Manager at Trans Union  there are no records of these documents " ever '' been submitted. I can provide proof as far back as the last 2 years! According to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  did not submit proper billing information to be paid. In  XXXX  I attempted  XXXX  between the  XXXX  companies when I was " somewhat '' mentally stable and it got to the point where the representatives were becoming frustrated and rude stating that I would have to pay the bill. I did not regain full mental competence until   XXXX   and tried to reach out to the company in which they refused to follow through with  XXXX  to receive payment. I do not owe this bill and believe that  XXXX   XXXX  should have removed these amount  ( s  ) from my credit reports since I would not have been able to " competently sign '' any agreements due to my mental states
Product: Payday loan, title loan, or personal loan

One of the credit bureau informed I had gotten a new loan from One Main Financial on XX/XX/2021. That is not true. I already have an open loan with them several years ago not a new on in 2021. 
Furthermore, One Main is reporting my balance higher than it actually is.
Product: Debt collection

HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME.  I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS.  I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN.  THE MONTHLY BILLS STOPPED ALSO.  TODAY, I KNOW WHY!!  I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX.  THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET.  NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE.  I REALLY REALLY NEED HELP.  THANK YOU.
Product: Checking or savings account

I deposited a payroll check to my account on XXXX XXXX, The funds were available to me and I received an email saying your check is accepted. I used my money to pay bills. suddenly on XXXX XXXX my check was taken back and my account went in to negative. 

on calling the bank, they said that the cheque got returned because they couldn't verify. and the funds will get back to my employers account. its been a week that neither does my employer received the funds neither does my account has it. on calling various different departments every time I am asked to wait for few more days.
Product: Checking or savings account

Since I opened this checking account on XX/XX/ at XXXX XXXX XXXX XXXX branch in XXXX with XXXX XXXX I not being abble to enroll in online banking, I been sending several emails to the representative without any answer and also called customer service several times without a solution. The last time I was requested to send a W8 form so they can assign a " SSN '' to enroll in online banking. Im not US resident so I dont have SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T
Product: Credit card or prepaid card

Capital One offered me 0 % interest for 12 months on a balance transfer in exchange for a 2 % transfer fee. I accepted the offer to transfer a balance of just over {$14000.00} from my other credit card to my Capital One card. I contacted Capital One on XX/XX/XXXX to accept this offer and set up the transfer. The person I spoke to advised that the transfer could take 10-15 days and asked me for the amount I wished to transfer and the card number on the account from which I was transferring the balance. Near the end of XXXX, the {$14000.00} balance appeared on my Capital One card but was also still showing on my other account, which is an XXXX XXXX card licensed by and issued through my credit union. I called my credit union, who advised they had not received payment from Capital One. After calling Capital One in early XXXX, I found out they issued the check to the wrong payee And sent it to the wrong address. They wrote the check to XXXX XXXX rather than my credit union and sent it to the address for XXXX XXXX instead of my credit union. I advised Capital One of the problem and provided them the correct payee and mailing address. They advised the would cancel and reissue the check. It is now XX/XX/XXXX, well over a month since I set up the transfer, and I Still have balances of approximately {$14000.00} on both accounts. Ive also continued to accrue interest on my credit union card and the clock has started running on the 12 months of  0 % interest in the Capital One card even though Ive yet to receive the benefit of the transfer. Additionally, my credit score has  decreased significantly as a result of the credit usage reflected on my report due to having both of these balances. I asked Capital One to credit my account for the additional interest they caused me to accrue on my other card and/or extend the 12 months of 0 % interest to start as of the date the balance clears my other card. Capital One refuses to do either because I am the one that provided them the card number for my other account, which is specifically what their representative requested from me. I was not asked And did not provide who to make the check payable or where the check was to be mailed. I was only asked for the card number which I provided and provided correctly. When Capital One enters that number in their system, it apparently shows up as XXXX XXXX rather than my credit union. Despite this error on the part of Capital One, I am made to suffer the consequences and Capital One refuses to remedy the issue and make me whole despite multiple requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from XXXX XXXX XXXX, Assistant Vice President, Member Debt Solutions,  USAA Federal Savings Bank that my account was past due. I immediately contacted USAA Federal Savings Bank. I had spoke to 3 different customer representatives. First of all, XXXX informed me that USAA placed a fraud on my credit card for XXXX payment which caused me to affect my credit scores. Secondly, I then contacted USAA, and talked to XXXX and she confirmed that the funds were released and apologies. That, the bank had the funds which was supposed to pay for the credit card payment. Thirdly, I then talked to XXXX from USAA banking department and she informed me that the XXXX payment was received. On XX/XX/2019, USAA reported my account to the credit bureau which NEGATIVELY affected our credit scores. While my daughter reported to USAA of a fraud on one of her accounts. She had to wait for USAA to reimburse her account. The credit card which she was making payments via online on a monthly basis for the month of XXXX and XXXX was stopped by XXXX XXXX due to the fraud probably at a gas tank reported by our daughter. USAA charged 2 payments in the amount of {$240.00} on XX/XX/XXXX. USAA returned one payment on XX/XX/XXXX and XX/XX/XXXX. I had received a letter that a payment was not made. So I contacted XXXX XXXX, and was informed by the banker that payments were stopped due to reporting of the fraud coming from USAA. Subsequently, USAA kept informing me that payments were not made so my daughter made payments that were charged on XX/XX/XXXX and XX/XX/XXXX. My wife contacted USAA to inform XXXX that a payment plan in the amount of {$240.00} was arranged on a monthly basis. XXXX was not cooperative and inconsiderate in satisfying the customers need as she had mentioned that is the reality a payment not made. I informed her that payments made twice on XX/XX/XXXX, and that one of the XXXX payment should be applied to XXXX. But, she said I couldn't do that. XXXX XXXX stopped payments coming from USAA including the credit card that was being paid in good faith. Currently, the new balance is {$750.00}. I am a XXXX veteran, retired, and in a fixed income.
Product: Debt collection

I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from 2014 and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to LVNV Funding due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by LVNV Funding LLC. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). LVNV Funding LLC has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and LVNV Funding LLC Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDEMUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by LVNV Funding LLC reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is COMMON WEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMON WEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMON WEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMON WEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. COMMON WEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well XXXX XXXX DBA XXXX -XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX All these inquiries are fraudulent and unauthorized
Product: Debt collection

This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Chase allowed deposits totaling {$5300.00} in succession using the same bank and all payments made and bounced in a 2-week period. I can understand one, but 2 payments on the same card using the same bank account and that quickly??  And one was one day after my normal payment! AND CHASE THEN ALLOWED {$9500.00} OF CHARGES!!! Chase has yet to send all information of method of payments. All charges from XX/XX/2017 were not authorized. 
Chase blames me but payments are out of my control. The thief even changed the phone number and Chase was talking to the thief. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX XXXX accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the XXXX  ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), XXXX  REPORT, XXXX  COMPLAINT, XXXX  COMPLAINT, XXXX  XXXX  COMPLAINT, XXXX  XXXX  HANDLES, AND XXXX  COURTS  IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit card

I had a credit card for XXXX years and paid my balance each month. The card was with HSBC. For some unknown reason, they closed my account. I called them when my card did n't work and they stated they had no idea why but the account was closed and I 'd be informed in writing of this within XXXX days. They told me they could n't do anything. I would like to know why they are allowed to close accounts on people who pay their bill each month.
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY HTEFT REPORT AND I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD AND MADE FRAUDULENT CHARGES. I HAVE REACHED OUT TO ALL THE BUREAUS I HAVE SENT THEM MY IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting

I filed a complaint regarding a creditor who placed an excessive amount on my credit for utility service. The city of XXXX provided me with a letter contradicting the creditor and stating it was done to over several other people. all three credit bureaus despite the letter, continue to keep this on my credit.
Product: Mortgage

I had made a online payment of {$150000.00} towards principal on my loan with PrimeLending via online system. The amount was deducted from my bank account that was used to make the payment on XX/XX/2020 but has not been applied to the loan. On XX/XX/2020 PrimeLending transferred the loan to XXXX for servicing. Prime lending claim that the amount of {$150000.00} was sent to XXXX on XX/XX/XXXX. XXXX  claim that they have not received the amount. The amount does not reflect in my account and I am being charged interest on it.
Product: Vehicle loan or lease

[ Navy Federal Credit Union ], violated the Truth in Lending Act ( TILA ) and the Uniform Commercial Code ( UCC ), resulting in harm to XXXX XXXX ]., [ Navy Federal Credit Union ], is a corporation organized under the laws of the State of [ Virginia ], with its principal place of business at [ XXXX XXXX XXXX XXXX, VA XXXX ] .On [ XX/XX/XXXX and XX/XX/XXXX ], Navy Federal and I entered into a retail installment contract, which constituted an auto loan for me to purchase a vehicle. 
Despite UCC 9-203 outlining the requirements for the attachment of a security interest and UCC 9-310 mandating the filing of a financing statement for the perfection of the security interest,

Navy Federal failed to satisfy these requirements. Specifically, they neglected to include the note, the evidence of debt, in the security agreement and did not file a financing statement, thus failing to perfect the security interest correctly.

Without informing or gaining the consent from me, Navy Federal initiated a securitization process, which involved the sale of the loan note. This process effectively converted the my loan into an asset-backed security.

I demand that Navy Federal produce the original note, demo
nstrating that it has not been securitized. TILA, in conjunction with Regulation Z, imposes an obligation on creditors to disclose material terms and conditions of loans to consumers. Navy Federal non-disclosure of the securitization process is a violation of TILA, as established in Jesinoski v. Countrywide Home Loans , Inc., 574 U.S. 259, 2015.

UCC 3-301 stipulates that a person entitled to enforce an instrument is either the holder of the instrument, a nonholder in possession of the instrument who has the rights of a holder, or a person not in possession of the instrument who is entitled to enforce the instrument. In this case, Navy Federal, by not including the note in the security interest and subsequently selling the note, is not the holder of the note. Therefore, Navy Federal has forfeited its right to enforce the note under UCC 3-301, which results in nullifying me the obligation to pay the debt. Also the debt has already been paid based on the UCC-1 filed by The federal reserve by me signing the promissory note, extending my credit, and Navy Federal making it a security. As per UCC 3-604, if an instrument is paid by a party obliged to pay the instrument and the party paying the instrument receives a conspicuous statement to the effect that the payment is in full satisfaction of the obligation, the effect of payment is discharge to the extent of payment. In this case, by selling the note, Navy Federal voluntarily discharged my debt under UCC 3-604, absolving the Plaintiff of any liability under the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Trans Union credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.