23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wilmington Savings Fund Society FSB has retained XXXX XXXX XXXX to non-judicially foreclose an alleged debt allegedly owed to Wilmington Savings Fund Society FSB. 

XXXX XXXX sent me documents titled " Notice of Acceleration and Foreclosure '' and " Notice Pursuant to FDCPA '' in which it states that I owe Wilmington Savings Fund Society FSB, that Wilmington Savings Fund Society FSB has retained it to sell my home at auction, and that default has occurred under a " Security Deed ''. 

XXXX XXXX has not and refuses to provide me any documents identifying the terms of this " Security Deed '' or terms of the alleged debt. 

I spoke with Ms. XXXX XXXX with the Trust Department at Wilmington Savings Fund Society FSB late last week and she confirmed that I do not owe Wilmington Savings Fund Society FSB any money, I have no account with Wilmington Savings Fund Society FSB, and that it did not initiate any foreclsoure action against me. She also confirmed that Wilmington Savings Fund Society FSB, unwittingly, has been used in the past to hide mortgage foreclosure fraud through its Trust Department by debt collectors.

Neither Wilmington Savings Fund Society FSB or XXXX XXXX have provided me with any proof of the alleged debt yet both are continuing to collect an alleged debt from me by threatening to publish a notice of sale in the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a Cease and Desist letter out to each company listed below. Asking them to stop contacting me by phone. email, mail, etc. They have disregarded my request and continue their effort to collect on an alleged debt they say I owe their respective companies. I informed them I did not recognize any of these debts nor do I owe them for any outstanding debts. But they continue to violate my rights under 15 U.S. Code 1692d which clearly states a debt collector engages in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 

15 U.S. Code 1992c which clearly states a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from LENDMARK FINANCIAL SVCS # XXXX located at XXXX XXXX XXXX XXXX  GA XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
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. 
XXXX XXXXXXXX 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 XXXXXXXX has violated my rights.

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: Checking or savings account

My wife applied for a debt consolidation loan and the company that showed valid in all checks and form were solidified as true. the Credit UNION IDENTIFIED THE TRANSACTION AS FRAUD, but now we are held responsible for the funds taken by the fraudulent company. We didn't have any idea that this was a scam and do not believe we should be held reponsible. The company name was XXXX.
Product: Checking or savings account

I have been a member of USAA for almost 28 years. Yesterday, on my pay day, my wife and I were paying bills when we were asked to verify a purchase we made. We verified the purchase more than once with USAA and XXXX and the purchase was still declined. I then called USAA to advise them that the purchase was not fraudulent. While I was on the phone with USAA, with no notice, my account was placed into a " credits only '' status. Because I have recently transitioned from XXXX XXXX to retirement we are still making adjustments for a paycheck every two weeks to once a month. As such at the beginning of every month I have to pay all my bills, buy groceries, purchase gas for the commute to work, etc. I haven't a single dollar to go to the grocery store to purchase food for my family. I have a family of XXXX and this is just not acceptable. Additionally, because I was never notified I could not stop any online or automatic payments for my auto loan, utilities, water, Internet, cell phone, TV, etc. Now, the vast majority of these companies are going to charge me a fee for having declined payments. When it is all said and done the {$300.00} verified purchase we tried to make is going to cost me well over {$300.00} in declined transaction fees from all of my various attempted payments. I am being penalized for doing nothing fraudulent. My wife, XXXX kids, and I are going to suffer for attempting to follow USAA 's own company 's protocol by verifying the attempted purchase was indeed not fraudulent. Additionally, after 4 phone calls, and more than 4 hours on the phone, no one can assist other than saying I will have to wait 3 business days for this to be resolved. This happened on Thursday which equates to 5 full days that my family and I will be without money, food, gas, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down these accounts :   XXXX   XXXX    XXXX   XXXX ,  XXXX  CREDIT CARD  XXXX ,  XXXX   XXXX   XXXX  '',
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

4. Previous Address ( es ) : NONE 5. Employers : XXXX XXXX XXXX XXXX I request that my employer be updated. 

6. Date of Birth : XXXX I request that my DOB be updated accordingly.
Product: Student loan

There have been numerous claims of fraud and misconduct perpetrated by online for profit schools, such as The XXXX XXXXXXXX XXXX XXXXXXXX. I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX, and my Fed. loans were discharged and my credit is currently in the process of being repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full post-class member. Just as XXXX is being held responsible for the corruption of private student loan lending, its time Firstmark is held responsible as well by XXXX. Acknowledging their wrong doing in private loan fraud. XXXX. Provide victims, like myself, a borrower defense application XXXX. Provide immediate relief be forgiving/discharging these predatory private loans made to attend online for profit schools.
Product: Credit card

I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$650.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name 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 XXXXXXXX Account Number : XXXX
Product: Credit card or prepaid card

Chase Bank emailed me two different times advising me of fraudulent attempted use and asked that I get back to them. This has been impossible either by phone or email. I want this card cancelled and will not be responsible for fraudulent charges when I can't communicate with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXXXXXX XXXX Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : 1. This charge off collection is reporting inaccurately its reporting CO every month. Thats a violation. This account isnt reporting to all of the 3 credit bureaus just XXXX and Experian thats a violation. 

2. This charge off account is reporting inaccurately on EXPERIAN stating the account is charged off, written off, & past due. Which is a violation. Since the account is closed. The status hasnt updated since XX/XX/year> thats another violation. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to obtaining good credit, securing a house. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit reportXXXX XXXX XXXX XXXX Balance : {$290000.00}
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.

and 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. 
XXXX XXXX XXXX XXXX $ $ 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 Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XX/XX/2023 I went into Bank of America XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX with my daughter to withdraw money to purchase an automobile. The teller ID on my receipt is XXXX. My checking account had over {$21000.00} in it and my savings account has about {$54000.00} in it. I asked the teller if I could borrow the money from my Bank of America credit card and he checked the limit of my credit card and said yes. I then took the {$4900.00} from my credit card. On XXXX/XXXX/XXXX  I signed into my Bank of America, and I observed I was charged a cash advance fee of {$240.00}. I immediately called the bank and spoke with XXXX. I explained that I was not told that I was going to be charged a fee and there was not charge on my receipt they gave me. I explained that if I would have known I was going to be charged a fee I would have taken it from my checking account. He opened a ticket and advised I would hear back from the bank. On XX/XX/2023 I received an email from the bank declining the dispute. I called the bank back on XX/XX/2023 and spoke with XXXX. I explained the situation and after a brief hold he came back on the phone and said he talked with his manager, and he/she advised if I pay the amount today that the {$240.00} cash advance fee would be credited. I immediately went into my account and paid the balance on that credit card {$5100.00}. ( See attachment ). On XX/XX/2023 I went to my bank account and saw the payment had been posted to the account, so I called back as instructed by XXXX. I called XXXX at XXXX XXXX XXXX and spoke with XXXX she advised that she could not authorize a refund for the cash advance fee. I asked to speak with her supervisor, and she transferred me to XXXX. XXXX is her supervisor, she advised that the fee would not be credited. I asked to speak with her supervisor, and she transferred me to her manager spelled XXXX XXXX pronounced XXXX XXXX. I explained that I was told if I paid the amount that day that the fee would be credited. I asked XXXX to please go back and look at the notes from XXXX. He replied, it didn't matter what the notes stated the fee would not be credited. I find this situation incomprehensible, and unethical.
Product: Student loan

I made a payment of {$350.00} to Mohela on XX/XX/XXXX that was removed from my checking account but never applied to my loan balance. I have contacted Mohela and received multiple different explanations on why this would happen but the issue has yet to be resolved.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report couple months ago I found an account from XXXX XXXX on my credit report that I never opened. I emailed the company requesting to remove the account as it is not mine. They replied that it is mine without any proof. I have asked for documentation proving that the account is mine because I have never opened any account with that company. They didn't provide any documents proving that the account is mine and that is a violation of Fair Credit Reporting Act. I have moved then to dispute with Experian as well and sent a letter through their online upload ( https : //www.experian.com/consumer/upload/ ) on XXXX and to the Furnisher, I have attached a copy here. Next day Experian sent an email that my dispute results are ready ( they were suppose to mail me the results but they just emailed me ) and never received any letters from the furnisher even after 30 days. When I logged in to Experian and checked the results, here was their results " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' screen shot is attached. I have then sent the second letter to both Experian and XXXX XXXX the furnisher requesting method of verification on XXXX. ( second letter is attached here ). On XXXX I received again an email from Experian that my dispute results are ready. I logged in to Experian and was the same message that they sent before. Experian dispute result : '' The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. As of today XXXX I have not received any letter or email from XXXX XXXX the furnisher proving that the account is mine as I have requested. Both XXXX XXXX the furnisher and Experian have violated the Fair Credit Reporting Act by not providing documents bearing my signature proving that I have opened the account. XXXX inc the furnisher has never responded to my letters except the very first 2 email I sent them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 60

2 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Product: Mortgage

I filed a Bankruptcy in 2010 my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress.