23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.
Product: Student loan

I am currently enlisted in the PSLF/IBR program. Because the loan has been transferred among different federal providers they will not give me an accurate amount of payments received by them towards my repayment. Each call I give to company tells me they are months behind and no timeline for actual accurate count of months I have paid. Without telling me if I am still enrolled in the program I am unfairly paying higher interest rates with federal program instead of switching to a private lender. They are charging me interest for the loan however not responding to questions I need to make a fair decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I bought my house at XXXX XXXX XXXX XXXX XXXX 2 years ago. XX/XX/2021 and just 4 months later out sump pump failed because the sewage was running to the hole and had failed for not being the proper pump. Resulting in 2 feet of water and significant mold and draining issues under the house. My insurance only covered enough for mold remediation even quoting that it was only covered for $ XXXX but there was $ XXXX in total damage. After struggling to keep up with payments and fix my house myself we decided to move out and I attempted bankruptcy but my attorney didn't give me the proper documentation for it to be resolved. Now I'm just trying to sell the house and move on with my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a cash advance balance on a US Bank credit card as well as a purchase balance at a lower interest rate. Each month after paying at least the minimum payment the cash advance balance has been increasing month over month despite the fact that I have not taken any new cash advances. I called on Thursday XX/XX/2020 to complain about this unfair practice which effectively increases the interest rate on my overall outstanding balance every month in violation of the Fair Credit Billing Act specifically 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666i1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances which states that " ( a ) In general In the case of any credit card account under an open end consumer credit plan, no creditor may increase any annual percentage rate, fee, or finance charge applicable to any outstanding balance ''. The representative explained that the increase in the interest rate on my overall outstanding balance on the credit card was happening because US Bank 's policy is to apply the cash advance interest charges to the cash advance balance and then apply the minimum payment to the lowest interest rate balance first which causes the cash advance balance to increase every month despite the fact that no new cash advances have been taken. It is my contention that US Bank 's policy is in violation of Federal law since it has the effect of increasing the overall interest rate on my outstanding credit card balance each month. After checking my statement with another credit card I have with XXXX XXXX XXXX on which I also similarly carry a purchase balance as well as a cash advance balance at a higher rate I confirmed that they do not engage in this unfair and arguably illegal practice as US Bank does. Despite explaining the issue to US Bank at length and informing them that their unfair practice was likely a violation of the Fair Credit Billing Act they steadfastly refused to change their policy to conform with Federal Law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that XXXX. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : XXXX XXXX XXXX Original Creditor : not available XXXX XXXX XXXX XXXX Original Creditor : not available XXXX XXXX  Original Creditor : not available XXXX XXXX Original Creditor : not available XXXX XXXX  Original Creditor : not available XXXX XXXX  Original Creditor : not available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : not available XXXX XXXX  XXXX  XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Inquiry : XXXX XXXX-Date of Inquiry : XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.
Product: Bank account or service

On XXXX, I went to my bank ( Wells Fargo ) to withdraw money. I completed a withdraw form and then I was told by my cashier named XXXX I could not get the money because that amount was on hold, she then called the manager and the manager said come back next week because the check that I had deposited earlier was on hold. I went back to the bank on XXXX to withdraw the amount that should already be available and so I withdrew the {$5000.00}. At this time I found out that there was another {$5000.00} that was withdrawn previously. So I questioned how and what and was told that it was withdrawn on XXXX. I explained to the employee that I was not able to withdraw on that day because there was a hold and even the manager said I can not get that amount and for me to come next week. After that day I kept calling the bank and reporting my funds missing. The investigation was denied and I requested the surveillance. I went to the bank and watched the camera video and that video just showed that i gave the deposit slip to the cashier but no money exchange was shown in there. After that I kept calling and trying to get another investigation but everything was denied so I decided to take them to small claims court. On XXXX at XXXX, held at the Superior Court of California was my case. It was me against Wells Fargo. I explained everything to the judge and then the Wells Fargo attorney played the surveillance video showing that on XX/XX/XXXX the cashier is handing me the money. I was then shocked because there is no way that video is accurate. I never got any funds on that day. Then I told the judge that this video is sabotaged and it must have been switched to when i did actually get money on XX/XX/XXXX. The video looked odd itself. The video does not even show the manager speaking with me on that day. It seemed that it was either sabotaged or switched pictured at the handling of money. I did not know what to do or say. I told them to put those two dated videos on XX/XX/XXXX and XX/XX/XXXX together, and that why they are only showing that one day. I told the judge it was impossible and he said he will do further investigation. A few days later I received a letter in the mail stating that i lost the case. I am deeply upset and XXXX out from this situation. I have been accused of taking my own money when i did n't. I trusted Wells Fargo with my money and this is what happened. I did not know what else to do so I decided to write to CFPB. Hopefully I can get some help from you. Hopefully someone can get a hold of the video surveillance on those two days and compare and also other videos around the bank that can be added together for some proof. I believe that someone either stole my money and tried to cover up by sabotaging the videos or it was an error done by the cashier but was also covered up. Please help any way you can. Its not a few dollars its {$5000.00} missing from my life. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Discover It has inaccurately reported information on my consumer credit report. Despite my efforts in reaching out to all three credit bureaus and the creditor directly, a satisfactory resolution has yet to be achieved. This misinformation is impacting my credit profile significantly, and I urge the XXXX XXXX Credit Bureau to take immediate action to rectify this matter. Your prompt attention to this serious issue is greatly appreciated. ( Last report Date XXXX XXXX, Balance : {$8900.00} ) - This inaccurate information is reporting on my XXXX XXXX Credit Report and needs to be corrected and removed permanently.
Product: Payday loan, title loan, or personal loan

I have a vehicle financed through Bridgecrest for which I've been making payments on since purchasing the car from XXXX in XXXX of XXXX. 

On XX/XX/XXXX I took the car to my local XXXX to have it appraised and it was appraised at $ XXXX. I logged into my Bridgecrest account and requested a payoff, which was right around $ XXXX. My XXXX appraisal expires on XX/XX/XXXX. 

On Sat, XX/XX/XXXX I took my car to XXXX to complete the sale. The salesman and I contacted Bridgecrest customer service via phone to obtain an official " dealer payoff ''. I gave the Bridgecrest Rep my vehicle VIN and my name, and he stated " that is not the name on this account ''. He read off the name and address of who was on the account and it wasn't me nor my address. The email address on the account was correctly mine, however. The Rep stated he could not provide a payoff since I wasn't an " authorized user '' on the account! I decided to log into my Bridgecrest account on my phone, clicked " Account '', and sure enough there is someone else 's name and address on my account! 

It is now XX/XX/XXXX and after numerous calls to Bridgecrest every day since the XXXX, my issue is still no closer to being resolved as day 1. My appraisal 's expiration has come and gone and I'm now at risk of losing thousands of dollars if my car doesn't appraise the same amount. 

I even attempted to contact the CEO of Bridgecrest via XXXX to explain my situation, to no avail.
Product: Vehicle loan or lease

To Whom it may concern : I previously had a lease with XXXX XXXX from XX/XX/XXXX to approximately XX/XX/XXXX for a XXXX XXXX XXXX XXXX, which is now free and clear of my name. During the period of the lease I received numerous billing inconsistencies from XXXX XXXX, stating time-and-time again that I owe them additional money for fees associated with personal property tax that the county bills the leasing company, and they in return pass the fees on to me for payment. After receiving the personal property tax bills from XXXX XXXX, I remitted payment for the specific amounts in question for each bill I received ( attached ). However, after paying the tax bills to XXXX XXXX I continue to get letters from them stating that I owe money for the tax bills. I have tried several times to resolve the dispute for well over a year now with no success. The latest letter ( attached ) states that I owe them {$4000.00} for taxes, with no itemization as to what the actual money is for, other than it 's for personal property tax. Earlier in the year when this came up I went to the county to pull the personal property tax records for the vehicle, and then compared those amounts to the electronic payments that I made to XXXX XXXX for those amounts ( also attached ). Moreover, the money they are seeking now does n't add up to the total amount of tax owed for the vehicle which makes the case even more perplexing. 

I 've attached the latest letter from XXXX XXXX along with the county tax records for the vehicle with the corresponding tax payments I made to XXXX XXXX during the period in question. I would appreciate the CFPB intervene to help resolve the matter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing this statement in hopes of being able to resolve this matter. On XX/XX/22 my pocketbook was stolen. My wallet with all my credit cards were in my pocketbook. I have contacted Barclays Frontier airlines many times to dispute the fraudulent charges that were made on that credit card. I have spoken to different agents from the fraud department and have not been able to resolve this matter. My credit score has been compromised because I refuse to pay these charges. I pay all my credit cards in full and on time. Barclays are being unreasonable so I hope you can help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was requested to make a PayPal transfer of {$1000.00} for a deposit on an apartment. As soon as I submitted I was contacted by PayPal via text about a suspicious transaction and did I want to authorize the transaction. At that moment I realized I was being scammed so I replied NO! do not authorize the payment. They asked again and I replied no. I have the text records of this. I asked them to call me but when I did not ereceive a call back I called PayPal and explained that I was being scammed and to not disburse the funds.Their agent said the funds had not left yet and that he would take care of it. I also put a stop payment order on the transaction with my bank. This morning I checked with XXXX and the transaction had posted. XXXX has begun a dispute with PayPal on my behalf.
Product: Checking or savings account

yrs XXXX thru XXXX, I was expecting monies into my account and there was a deposit of {>= $1,000,000} XXXX dollars to my Wells Fargo account at the XXXX XXXX XXXX XXXX XXXX, TN XXXX. I also, had online banking and I printed a copy of the monies that had been entered into my account and took it to the branch manager of wells fargo bank. the branch mgr. took the information made copies of it and said she will get back with me but I did not hear from her. I was expecting this money from an lawsuits in Tennessee XXXX and XXXX Division and XXXX  District of the XXXX, TN locations in the following Cases Numbers XXXX, XXXX, XXXX, XXXX, XXXX. There afterwards I have received at least approximate 4 to 5 different bank accounts that were given to me by the bank themselves up to current date.
Product: Mortgage

Wells Fargo did not inform me that they were transferring my loan to XXXX XXXX due to a reason I still do n't know about that involved changing the holder of the deed to XXXX, XXXX ... .. 
I was instructed to only deal with XXXX after XXXX XXXX, 2016 and then Wells Fargo sends me a letter on XXXX XXXX, 2016 that states to deal with Wells Fargo. I am repeatedly given conflicting documents and information that instruct me to do the wrong thing. ( see the other XXXX complaints that I have done with CFPB, that are only a few of what I need answers for and have not been given )
Product: Credit reporting or other personal consumer reports

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), human trafficking victims have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.i sent my state ID social security birth certificate and otda  confirmation XXXX  XXXX  letter and they still refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX XXXX Report is fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

contacted the Credit Card Company Capital One the account balance was XXXX and due to late fees i am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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. 

XXXX, TransUnion, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Experian To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to address several violations of my rights and privacy by various organizations. 

1. **Department of EducationXXXX  XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the Department of Education/XXXX has violated my rights by contravening the Educational and Privacy Act. This act states that my school should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

XXXX. XXXX XXXX XXXX is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, is reporting a charge-off. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

XXXX XXXX Transunion is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. Transunion and XXXXXXXX XXXX failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds XXXX accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.