23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a validation letter to Financial Data Systems ( FDS ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted. 

In a letter dated XX/XX/2019, I again specifically requested that FDS provide me that the company is the legal owner of the debt, and that FDS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. 

FDS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FDS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence. FDS is not in compliance with federal credit reporting laws and is reporting inaccurate information to the credit bureaus. I hereby request that FDS promptly remove any and all references from all three credit bureaus and cease and desist all communication with me concerning this debt.
Product: Student loan

I had a friend ask me to co-sign a loan for her. I agreed to do so and provided my information to her to start the process ; this was in XX/XX/2005. The amount she asked me to co sign for her was {$5000.00}. I did not find out until later, that the my friend had signed my name ( as suggested by the school she was attending ) as the primary borrower on the promissory note. I never signed the promissory note as a primary borrower or co signer. I also never received nor cashed the check. Im unsure if the check even had my name listed as a payee or hers ; I have never seen it. I was out of the country at the time when the check was disbursed. My friend at the time, had a third party ( her boyfriend ) deposit/cash the check in his account. I never saw the check and a copy of the check was never provided to me even upon request. I was not made aware of what my friend had done until I began receiving past due notices and after requesting a copy of the promissory note. I also notified the loan services who was Sallie Mae at the time. They told me I had no recourse and I had to pay. This back and forth with them and her went on for years ultimately with me refusing to pay another dime toward the loan. Eventually they ( Sallie Mae, now Navient ) provided me with a fraud packet which I completed and returned to them. They stated our signatures were similar enough and I provided her with the information so I was responsible even though I never signed any documents. They also would not reopen the fraud case until I provided them with a letter from my friend admitting the fraud. During the course of their investigation they never once spoke to her ( this was relayed to me by the investigator ). Also, Navient stated they would report to the credit bureaus completed investigation of FCRA dispute-consumer disagrees. They have only reported the loan as delinquent. I receive multiple calls a day all week long, threatening default regarding the loan, requesting payment, to verify my payment information, etc.
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. 


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/AIDVANTAGE 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: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2022, I submitted an order on the Merrill XXXX website to sell 1 share of stock XXXX, symbol SHOP, limit order executed at {$660.00}. I specified a specific lot which was purchased XX/XX/2022 with a cost basis of {$660.00}. This order executed on XX/XX/2022 at XXXX pm EST. 
Unknowingly, I had previously placed a good-til-canceled order to sell that same share of SHOP with an limit price of {$660.00}. ( The Merrill XXXX trading platform does not prevent the error of specifying the same lot on two different sell orders. ) This order executed on XX/XX/2022 at XXXX EST at {$660.00}. 

After I received the second trade confirmation I noticed the error, that there were two trades that specified the same lot. Merrill XXXX has eliminated the option to email or to send an electronic message via its website. So I called the customer service phone line. After more than XXXX minutes on hold, I connected with XXXX XXXX. Because I did not want to trigger the wash sale rule, I asked him to assign a different lot ( which was purchased on XX/XX/2022 with a cost basis of {$650.00} ) to the 2nd share sale. 

On Saturday, XX/XX/2022, I checked my account online to see whether the lot selection on the second order had been adjusted as I requested. I was surprised and frustrated to find that my order had NOT been adjusted as I instructed, as it showed that there was an adjustment due for a Wash Sale. My instructions to Merrill XXXX and request were specifically to avoid a wash sale. Furthermore, it also appears that the wash sale adjustment is incorrect. I called that day and waited more that 93 minutes on hold, and nobody ever picked up. Merrill 's website states Investment CenteXXXX representatives and technical support are available 24 hours a day, 7 days a week. However, it appears that they either keep the customer service line unstaffed, or inadequately staffed on the weekend. Waiting on hold for over an hour and a half is unacceptable. I emailed the first representative, XXXX XXXX, at his work email address. 

On Mon, XX/XX/2022, XXXX XXXX responded via email and insisted that he had entered the request correctly, and that it would take 2-3 days to reflect in my account. However, he refused to help me further on this matter, stating, call into our investment center at XXXX for further inquiries on this matter given I will not respond to any emails outside of this one. In other words, go away, I'm not helping you anymore. I had already waited on hold more than half an hour on the first call the previous Thursday, and over an hour and a half on Saturday ( with no response ). I was not about to waste another half-hour-plus to contact a new agent, and have to start over. I think XXXX XXXX 's response was inadequate and unacceptable. If he does not adequately solve a customer 's issue the first time around, he should take the responsibility to fix it, not push that onto another representative.
Product: Credit reporting or other personal consumer reports

On the credit reporting ot Experian, there was a charged off account with XXXX. 

But I have never applied and therefore had any XXXX Credit Card. I have never charged on XXXX Credit Card. I have never received any monthly statements and I have never paid any payments to XXXX, or XXXX XXXX. I have never received any notices of late or nonpayment from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Harley Davidson Financial Services reported my account delinquent which they admitted was an error. After many discussions with the account representative XXXX, she worked with her supervisor to issue a correction to credit bureaus. At present one credit bureau is still reflecting two months past due which were corrected with the other bureaus. I had placed calls letting them know this starting back in XX/XX/2021 ; and, most recently in XX/XX/2021asking for a call back. I informed XXXX on a voicemail ( I can no longer reach her ) that I would be filing a complaint with CFPB on XX/XX/21. I tried her again today, XX/XX/2021, but could not successfully reach her.
Product: Vehicle loan or lease

US BANK applied a wrong check from XXXX XXXX XXXX that they claimed our vehicle was a total loss and send us a check that included our overpayment. We had XXXX XXXX at that time. The overpayment was for XX/XX/XXXX, of {$310.00}. US Bank found the mistake and found out that the check from XXXX XXXX XXXX had been applied to the wrong vehicle. But now they have not send us our overpayment. We have been communicating since XX/XX/XXXX and they keep saying we will receive it XXXX business day but nothing.
Product: Credit card

Capital One closed my credit card account and restricted me from accessing the reward points I earned while using there credit card account. The account was closed because auto drafts where retuned, the bank was experiencing a cyber breach and paused all auto withdrawals to customers credit cards, utility companies, etc.. I accumulated reward points over time and capital one is denying me the rewards because they closed the account. I feel that the reward points are owed to me. The closed account is disappointing but not as important as the rewards owed to me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act you are reporting information that is in violation of FCRA 1681b ( a ) ( 2 ). Experian is in violation of FCRA 602 which states I have a right to privacy.

Additionally, FCRA 604 states a credit reporting agency can not furnish an account without my instructions.
Product: Debt collection

This company says that I owe a debt from XXXX XXXX. Not only do I not admit to or know this debt, I was a victim of identity theft. I went on the federal website to submit my information and complaint about being a victim of identity theft. I told this when they called me threatening me with jail, and embarrassing me in front of my employees. I do n't know this debt and it was opened in my name and fraudulently and even after an address change request they still ignored my request. It 's not my debt and I wish the original, wet ink signature sent to me before we talk about whatever this bill is and if this goes in my credit report I will seek
Product: Debt collection

This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX/ {$2100.00} / XX/XX/2019 XXXX / {$2900.00} / XX/XX/2019
Product: Credit card or prepaid card

GREETINGS CFPB, CARE CREDIT IS OVER CHARGING ME, THEY SAID I HAD NO PAYMENTS CREDITED TO MY ACCOUNT .I PAID A PREVIOUS CHARGE ALSO AND THEY ARE CHARGING ME ALSO, THEY CLOSED MY ACCOUNT AT XXXX XXXX, XXXX XXXX DOLLARS. I OWED THEM XXXX XXXX DOLLARS FOR XXXX XXXX XXXX XXXX CA. PAYMENTS ARE - $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX $ XXXX $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ALL FROM MY XXXX XXXX XXXX XXXX ACCOUNT TO XXXX BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive dispute a collection that a never open 5 Times and 5 Times they told that is accurate. I called the collection agencies and my information doesnt even show up on their systems. Not even name, DOB or SSN. Nothing. They told that it must be an experian error but experian keeps insisting that its correct when its not. I never open that account that shows in collection in the report. That needs to be remove from my credit report immediately.
Product: Mortgage

I have a mortgage with Wells Fargo. In XX/XX/2020 Wells Fargo sent an offer to defer payments to the end of my loan if we were affected by COVID-19. My wife had just lost her job and we were having trouble making our mortgage payments so we figured 'why not ' while my wife looked for another job. We continued in the program for 11 months and we were able to make 1 payment while in the program. Our original principle balance of the loan was {$370000.00}. We had payed out mortgage down to {$350000.00} before COVID-19 struck. We differed 11 payments which they said equaled {$23000.00}. I spoke to a Wells Fargo " mortgage expert '' about my options and was really confused about what I heard. I was told that they would mail out some info on a couple of different options on repaying the missed mortgage payments. I never received the information. Instead I saw that Wells Fargo modified my mortgage by adding the {$23000.00} in " differed payments '' to my principal balance. So I now owe {$380000.00} after adding the differed amount to my original balance. So I now owe {$10000.00} more then my original amount financed! I did read up on the Forbearance Program offered by XXXX XXXXe and if what I read was correct, then Wells Fargo was making my payments for me while I was thinking I was differing them to the end of my loan, but they were not deducting the payments from my principle balance. This means I will be paying the payments back twice ... .once to pay them back for the Forbearance Program and again in my original principle balance of my original loan. I do not call this helping people in need ... .this is taking advantage of them. Please look into this and let me know? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

SUBJECT : Final Demand for Compensation & Business Account Recognition FCRA, XXXX, CFPB Violations To Whom It May Concern, This letter serves as a final legal demand before proceeding with litigation against Early Warning Services for failure to compensate for financial harm and failure to acknowledge my updated business identity in violation of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Early Warning previously acknowledged errors in its reporting and deleted inaccurate records from my consumer file. However, the damage was already done. Your unlawful reporting caused financial harm, including banking denials and lost opportunities, for which I have yet to receive any compensation. Furthermore, despite receiving the proper legal documentation, your agency has failed to recognize my updated business status and continues to classify my identity incorrectly. 

XXXX. Early Warnings Violations & Financial Harm Caused Your agency deleted inaccurate records from my report but has refused to compensate me for the damages caused before deletion. 
I suffered denials from multiple banks and financial institutions due to XXXX XXXX false reporting. 
Your agency has not acknowledged my name change to a business entity despite receiving legal documentation. 

2. Legal Violations Committed by Early Warning A. Fair Credit Reporting Act ( FCRA ) Violations FCRA 623 ( 15 U.S.C. 1681s-2 ) Failure to compensate for damages caused by erroneous reporting.

FCRA 611 ( 15 U.S.C. 1681i ) Deleting an account does not erase the financial harm caused before deletion.

FCRA 616 ( 15 U.S.C. 1681n ) Willful violations entitle me to actual damages, statutory damages, and punitive damages.

B. Equal Credit Opportunity Act ( ECOA ) & CFPB Violations 12 C.F.R. 1022.42 ( Regulation V CFPB ) Your agency is required to accurately classify my business entity status, which you have not done.

12 C.F.R. 1002.6 ( b ) ( 8 ) ( ECOA ) My updated legal business name must be recognized and reflected in financial reports to prevent further discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off. Retained a debt management company to negotiate a settlement. Company signed agreement to report account a certain way after settlement paid. Charge off date is given XX/XX/2020 however this is date settlement was paid in full.Still includes on report a charge off of $ XXXXhowever reports {$1900.00} to IRS. As I was making payments monthly no payments are reflected on credit report. The company was named rise credit.
Product: Credit card or prepaid card

I have been trying to dispute a charge on my credit card for approximately 10 days with this credit card company. This charge has caused my credit to be over the limit & created a high usage credit limit alert from my credit bureau report. I have tried to contact this credit card company numerous times only be hung up on after waiting for 30 minutes to 1hour increments at a time. I was told it takes 7 days to receive a credit back for the disputed charge when a call back is received & when I finally received a call back the general customer service number was left for me to call that has a rediculous amount of hold time & it seems as if I'm never going to get this issue resolved. I even called at XXXX & still was on hold for 45 min never to speak to anyone. 

Also, shortly, before this incident I called & requested to have my name changed due to a divorce I called customer service & told them that I think that I threw the card away that they sent me. In response, they sent me a card with a new card number without my knowledge. The representative did not tell me a new card number was being sent. Which could have caused a number of things if I did not look or get the new account in time so I added the auto pay back & made a payment I'm not sure what happened but my payment was rejected & it says the information was not entered correctly & they charged me a {$39.00} return check fee & returned my payment. & just a suggestion maybe they should add a double payment box where you enter your payment account information twice because it seems as though there is always a reason to re enter/ re set up auto pay for every little change to the account. With this in mind, now I have, a unauthorized charge, a returned payment, a {$39.00} returned check fee & im still over the limit as well as the balance is accumulating interest & reporting as high credit usage. Also, if I decide to make a payment due to the possible clerical error they will hold my payment for 7 days. This, I am unable to speak to anyone in regards to this issue but continue to wait for long amounts of time & then to be transferred.
Product: Credit card or prepaid card

I have an open dispute with chase visa that they haven't responded to for a month and a half. The company is not allowed to charge interest on disputed amounts ; I have been paying the undisputed amounts every month but not the disputed amount. On XX/XX/XXXX I was charged {$83.00} of " Purchase Interest Charge '' on the disputed amount. I called Chase but the company and informed them they were in violation of the CFPB and FTC laws regarding this. The company escalated it to the executive office but they did not reverse the charge. This is a blatant violation of consumer law. This case pertains to another open CFPB case, which is XXXX. You can see if you look up this case that they have not responded to it. Thank you.
Product: Credit card

RE : TD Account Number XXXX TD Bank reported my XXXX credit payment as XXXX  days past due. 
Please review the following information regarding my payment history on my TD Account : All payments have been made via the TD Bank Pay By Phone option The amount I paid was the payment amount provided on the TD Bank Pay By Phone system I registered on the website and have not been successful in logging in I have made payments each month, past the due date but well in advance of XXXX  days First payment to begin on XX/XX/XXXX The following are the dates payments were drafted from my XXXX Bank account : o XXXX - {$910.00} o XX/XX/XXXX - {$940.00} o XX/XX/XXXX - {$970.00} o XXXX - {$930.00} o XXXX - {$950.00} o XXXX - {$950.00} When discussing with the representative, they indicated that there are late fees. If there is a late fee that is owed, I would expect the phone system to add that to the amount owed. 
I am depending on the TD Bank Pay by Phone system to be accurate, therefore, I am not clear on how I am delinquent. 
When I asked the representative how much money was delinquent, she indicated she could not give me the information. I believe that is unlawful to not share the information. 
In reviewing the payments that TD Bank provided, it appears there was a systems issue in XXXX that doubled the amount owed in error.
Product: Credit reporting or other personal consumer reports

The only credit inquiries in the last 5 yrs that I have authorized are XXXX credit repair free acccount and XXXXXXXX XXXX XXXX I am disputing any and all other inquiries on my record. I believe that an ex partner of mine who had access to all of my personal information ran several credit inquiries and took out things in my name in order to not only track me as I was hiding from this person as well as for the purpose of ruining my credit as this was an abuser who did not want me to feel that I could survive without them and keep me dependent on them. They did not want me to have any life success independent from them as they knew I was taking steps to do so. Please remove all inquiries from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach the hard inquiries Customerservice wasnt willing to remove.
Product: Credit reporting or other personal consumer reports

A lot of accounts and inquiries on Equifax are not mine. I was a victim of XXXX XXXX.