23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I wrote to ELAN financial formally with a notice on XX/XX/XXXX to dispute the validity and equity of the referenced in the recent communication to me referenced through a CRA. I requested that they consider the following lawful precedents and expert testimony in this matter : 1. *Self v Rhay , 61 Wn.2d 261,277 ( 1963 ) * : This case emphasizes the necessity of clear and fair treament in financial obligations and contractual relationships. I believe the terms of my agreement and subsequent dealings have not been conducted in a manner consistent with equitable principles.

2. *Affidavit of Walker Todd* Walker Todd 's affidavit highlights critical concerns regarding the creation and handling of debt instruments. The affidavit underscores the importance of transparency and fairness in credit practices which I believe has been lacking in this case. This notice is inspired by the principles in the case of America Express Co. v Citizens State Bank, where the court emphasized the importance of transparent and honest practices in financial transactions. 

Elan has failed in it's duty to address my concerns and has continued to violate my rights... Therefore, you must Cease and Desist communication until you either provide the proper validation of the debt. Moving foward, anything else will be considered willful misconduct. This includes any continued contact with any credit agency that you are trying report to. Let this be the last and final attempt to remedy this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted problem report XXXX. After getting a response to this that my name had been changed, I tried to access my myEquifax account under the email XXXX. I was unable to do this so I called a representative. I discovered that it is possible that this email is attached to my son 's myEquifax account. After speaking with the representative, he tried to send me a link to reset my password. At this point, I do not know who owns the XXXX. To make matters much, much, much worse, the representative sent an email that XXXX XXXX 's email has been changed to XXXX ( no problem XXXX but then sent another email that XXXX XXXX 's email has been changed to XXXX. XXXX is not owned by either of us. This is very troubling because I did not authorize any change to XXXX XXXX 's account. This is a violation of his privacy. 

I spoke to XXXX, supervisor id XXXX. She could not help me with this problem. 
At this point, you XXXX XXXX XXXX XXXX and XXXX as account logins from your system. This is the only way that I can be assured that no one can access mine or my son 's information by using these logins. 

At this point, I never want to use the myEquifax system again and want absolutely no way that anyone can access our information by using logins XXXX or XXXX. I have attached the emails that were sent to me when speaking with your representative.
Product: Mortgage

I have a  VA Home loan with Popular mortgag e. My property did not paid property taxes on prior years, because I had to wait until the appraisal was made by the Municipality were the house is located. Last year on  XX/XX/XXXX  the house appraisal was completed, it took almost 6 years. On  XX/XX/XXXX  I received an invoice by the government office (  XXXX  ), I visited their office and requested the aplicable exonerations, the resolution was that my house was exempt, they told me that I had to wait until everything was processed. On  XX/XX/XXXX , when printing form  XXXX  to pay my taxes I realized that in  XX/XX/XXXX they paid  XXXX  in property taxes without issuing me a proper notification. I called Popular Mortgage and they told me to fax them the exoneration documents. After that I called to see if the documents were received and I asked if my mortgage was not increase were the payment came from, they told me to wait and later they told me that there were two payments issued on tax property that I had to wait until my loan was analyzed on  XX/XX/XXXX . I called again and I was advised to request a refund. On  XX/XX/XXXX  I received a letter dated  XX/XX/XXXX , which indicates that my loan will increase from {$1000.00} to {$1300.00}, they paid a total amount of {$1300.00} in property taxes. I requested the refund to the government office ( (  XXXX  ) and I was told that this might take 14 months. Due PR fiscal situation there is a possibility I might not see this money, so I can repay back the bank, but since they make payment to this government entity every month maybe they can make the adjustment or contact them directly. I am in the middle of this situation, however I was not notified by the bank that they were making a first payment in  XX/XX/XXXX , this situation could be prevented with I call and I would have notified them by that time that I was exempt and that paper requesting exemptions were timely being submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$0.00} XXXX XXXX {$280.00} XXXX {$0.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

There are no contracts, no valid claim ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
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 of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a timeshare illegally reporting on my credit report ( EXPERIAN ) as an open/valid account. I've sent a FTC report to Experian as well but to no avail. This needs to not be reported on my credit report as i t does not belong to me. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.
Product: Debt collection

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, 15 U.S.C. 1692c ( c ) I sent dispute letters to the following creditors more than 45 days ago and they have not responded and the debt is still reporting. Please immediately remove the following accounts from my report. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting or other personal consumer reports

The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX AccountNumber : XXXX
Product: Checking or savings account

I was scammed for {$4500.00} wire transfer. I called bank to reverse but they couldnt.
Product: Credit card

Wells Fargo refused to resolve my dispute with the vendor, this vendor had overcharged me XXXX in the past for dental work and Wells Fargo disputed the charge and return my money, however I was recently charged more than what I signed for on the receipt and this time Wells Fargo has sided with the vendor even though Wells Fargo have my receipts. 
The credit card statement shows that more money was charged than what was noted on the receipt. The charge was XXXX on XXXX, but the credit card statement shows XXXX which is a difference of XXXX  Also on XXXX for another dental procedure at the same office I was charged XXXX but the statement say XXXX a difference of XXXX. 
Thanks for your help.
Product: Checking or savings account

Chase is requiring agreement to the Online and Mobile E-Sign Disclosure and Consent Agreement ( 10 pages ) and XXXX XXXX XXXX ( 125 pages ) before accessing account information online. It is unreasonable to read and agree to 135 pages of legal agreements, and the access token will log the user out of the website before even the shorter of the XXXXwo documents can be read. Bill payment can not be done via telephone and is only available via branch visit. One can logically assume that Chase does not want customers to read through such a tome and just blindly agree to the terms to access their accounts online.
Product: Checking or savings account

Dear Sir/Madam, Chase notified me that all my Chase accounts will be closed on XX/XX/XXXX. They refuse to explain why they made this decision both via phone and personally in the branch. I am very confused, as I believe I have done everything according to the rules, and even if they close my accounts I would like to understand the situation and learn from this lesson to prevent it happening in the future. 

I am a XXXX citizen, and engaged with US banking first in XXXX when relocating to the XXXX. I have been constantly employed ever since, and my employer deposited over 300.000 USD to my Chase XXXX Checking account. My credit score improved a lot as well over the years, going from low 600s to 750+, I have never had a late payment and my credit utilization is XXXX % on average. 

I have recently received a credit limit increase and also a salary increase, so I really do not understand why they decided to close my accounts. 

I would appreciate any help! 
Thank you
Product: Debt collection

I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # XXXX XXXX Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : 1 ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022, I applied for the XXXX XXXX XXXX Credit Card from XXXX. 
On XXXX XXXX I received a notice of rejection from XXXX, which mentioned that I may receive a free copy of the report that TRANS UNION provided to XXXX if requested within 60 days. 
After reading the letter on the same day, I attempted to do so by searching on TRANS UNION 's website, to include creating an account on their website. 
As part of creating the account, I provided the card number and security code for a separate charge card I already had. TRANS UNION then charged {$27.00} to that card. There was no mention or indication that I would be charged anything for simply creating an account ; had there been, I could have reasonably concluded that this is not the correct way to obtain my free report I'm entitled to under the Fair Credit Reporting Act. I was unable to find any information on the public facing ( i.e. not paid for ) TRANS UNION site about how to obtain my credit report ; after being logged in, I could find it, though with considerable 'digging '. 

TRANS UNION and other credit reporting bureaus should make it plain how to obtain the free credit reports customers are legally entitled to after adverse action. Additionally, it should be plain and obvious that someone will be charged and how much they will be charged on their credit cards. TRANS UNION utterly failed in both of these respects.
Product: Credit reporting or other personal consumer reports

I TRIED CREATING XXXX XXXX XXXX BUT ALL COMPLAINED THEY CAN'T GET ME AN ACCOUNT PLEASE I DON'T KNOW WHAT TO DO NOW. THE COMPANY INVOLED ARE XXXX XXXX XXXX XXXX  AND MANY MORE ONLINE BANKINGS
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online freelancing. 
My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 
For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit card or prepaid card

Comenity Capital Bank has failed to properly respond to my questions, instructions, has overcharged me in interest and penalties while in position of money that they received back from XXXX. Highlights and details follow : 1. Comenity Capital Bank failed to close my account when requested. 

By certified letter dated XX/XX/XXXX ( letter was delivered at XXXX XXXX on XX/XX/XXXX ) I requested that my charge account be closed. 

Comenity Capital Bank continues to accept charges on my account even from businesses who do not have my current assigned account number. 

Comenity Capital Bank still has not closed my account as they mailed me a new credit card sometime in XXXX or XX/XX/XXXX. Of course, I did not activate this card. 

2. Comenity Capital Bank accepted charges to my account from businesses where I had set up auto charges, however, they did not have my current account number and expiration date. I had set up auto charges with XXXX, XXXX, XXXX, etc. in the past. However, I never provided these businesses with my current Comenity Capital Bank credit account number. Since setting up my auto charges, my account number had changed as well as my expiration date. 

3. Failed to stop auto payment from my bank checking account after I instructed them. 

By certified letter dated XX/XX/XXXX ( letter was delivered at XXXX XXXX on XX/XX/XXXX ) I requested that my auto payment be canceled. I stated that I would pay my final invoice by check. I wrote and mailed a check ( XXXX ) on XX/XX/XXXX for {$450.00}. Comenity Capital Bank took {$450.00} from my bank checking account on XX/XX/XXXX. They also cashed my check for the same amount. 

4. Comenity Capital Bank appeals to have received back the improper charge from XXXX for {$1000.00} but has not acknowledged this to me. 

XXXX XXXX XXXX charged me for an account in Germany ( including 16 % German Tax ). I had never done business with XXXX XXXX XXXX and never provided them with my credit account. I did have a XXXX account in USA that I have since closed. 

XXXX notified me by email letter that the payment of {$1000.00} was withdrawn by the bank. ( see attached letter ). 

By my Certified letter ( XXXX ) dated XX/XX/XXXX, I requested the status of the improper charge of {$1000.00} from XXXX. I provided them a copy of the XXXX email letter. 

Comenity Capital Bank notified me by letter dated XX/XX/XXXX and XX/XX/XXXX, that they had received my follow up letter and noted that the disputed amount my have involved fraudulent activity and needed to be researched. 

Comenity Capital Bank notified me by letter dated XX/XX/XXXX that they had concluded their investigation and found no basis to support my disputed claim. 

Comenity Capital Bank still did not state whether they had received the money back from XXXX. 

5. Comenity Capital Bank continues to charge me interest and penalties even through my account should have a credit of {$300.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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: Credit card or prepaid card

On XXXX XXXX, I applied online for an Apple Card. The advertising said that the inquiry wouldn't affect my credit score, but accepting the offer would. 

On XXXX XXXX, I checked my XXXX XXXX account and XXXX  lowered my credit score by 5 points due to an inquiry by GS Bank. 

I did accept the offer. However, XXXX is lowering my credit score due to the inquiry, not due to opening the account. 

I contacted Apple Card customer service and they couldn't help. 

I have attached a copy of the advertising language and the XXXX  explanation of the credit score inquiry as being due to GS Bank Inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated my rights as a Consumer and I sent a dispute letter explaining how over a month ago and received inaccurate results. Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. TransUnion LLC Consumer Dispute Center is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave TransUnion LLC Consumer Dispute Center any written consent to report anything on my consumer report. No consent is Identity Theft.