23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

After explaining to the representative that my transfer is strictly legitimate and in addition I had the sender submit documents that they had full awareness of the transfer and details surrounding the amount they still deactivated my account without reasonable explanations.
Product: Payday loan, title loan, personal loan, or advance loan

I am homeless I dont have the funds to repay the loan At this time. A letter was written to the company to stop taking automatic payments/ACH authorizations from my bank account on XX/XX/year>. I Informed the company that I was revoking authorization of debit and via electronic funds being taken out of my account, the revocation applied to any and all future debits. The company has still been charging my account without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off in full an account, XXXX XXXX, that was past due. I have received a letter from XXXX that it is paid in full yet they wont submit to credit agencies. And when I disputed it twice now, they claim its still unpaid even though I have a letter that says otherwise.
Product: Credit reporting or other personal consumer reports

This inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry ( XXXX  XX/XX/2023 ) as seen in the attached. 
Also this unauthorized inquiry which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and TRANSUNION is in violation of 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) and is liable. Find my invoice attached.
Product: Credit reporting or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. XXXX XXXX XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature.

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Mortgage

Subject : Greentree Servicing extending processing, not evaluating documents properly. Homeowner submitted RMA requesting modification result from medical hardship and filing bankruptcy. Homeowner was denied a MHA loan modification. Homeowner filed all required court documents and to pay mortgage payment separately. Homeowner has a current medical hardship with spouse. Homeowner has an aggravated medical hardship with a family member with XXXX. Greentree failed to take the medical hardships into account. 

Greentree has begun a double tracking and set the date of foreclosure sale, for XX/XX/XXXX. Greentree is in violation of the DOJ Department of Justice/ XXXX States Attorney Generals Settlement Agreement. 

Homeowner is being discriminated against in a form of reverse discrimination because of age, race and medical hardships '. 


This homeowner, feels that his case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. No single point of contact has been assigned. 
3. Homeowner thought that the mortgage payment was included in the trustee payment. 
4. Greentree did not inform the homeowner of his modification options under the MHA Making Home Affordable guidelines. 
5. Homeowner and Authorized 3rd Party has made numerous calls ( XXXX ) inquiring on status of his loan modification application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or lostB ) documents were submitted by homeowner but not located in the data base, orC ) resubmit your documents again. 
D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowners household. 
XXXX. Greentree started the double tracking procedure with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Greentree was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. 
Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Greentree processing agents with a case work load of XXXX+ cases as per one agent 's statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.
Product: Checking or savings account

I opened up an account with Robinhood a while ago, recently they closed my account. I wrote them an email to their support team. " This account is closed and cant be reopened " is what they told me over the email. I still have more than {$1000.00} locked in the account
Product: Credit reporting or other personal consumer reports

Experian has failed to uphold its responsibilities under the Fair Credit Reporting Act ( FCRA ) by not properly investigating disputes on my credit report. This has resulted in unresolved inaccuracies and unverifiable accounts, which continue to harm my credit. My experience reflects the systemic failures outlined in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, including not forwarding evidence provided by consumers, accepting unreliable responses from furnishers, and failing to notify consumers of dispute outcomes. Despite submitting evidence to support my claims, Experian has neither corrected nor removed the disputed items. I am demanding immediate corrective action, as this failure to act violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

RE : Non-Compliance with FCRA XXXX Dear TransUnion, You have willfully and negligently failed to comply with the FCRA requirements by continuing to report inaccurate, incomplete, or unverifiable information and failing to delete such information. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my TransUnion report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Hello, I have Requested That this Collection Company several times please stop Harrassment And please stop calling me and sending me Letters in my mailbox. I have Already contacted my Creditors All 3 and have had this Company stopped from Attempting to take Money from me over matters that Have been long past statute of limitations and This Jefferson Capital Attempted to Lure me into Payments that have been settled And long past paid wrote off. Unfortunately this particular company Would refuse to Tell me who they were and what they were trying to collect from me As I was concerned in regards to Many stories of Credit theft and identity theft, I immediately contacted the creditors XXXX, XXXX and XXXX to Have this company Be Removed due to Shady and misinformation and lack of any Information in regards to The debt they were harassing me about. ALL THREE Creditors Have Long ago Concluded ans closes this Company and is Nolonger on my reports and has not been for some time. I have asked this company several times to STOP calling me texting me and mailing me as I am XXXX and I have a very aggressive form of XXXX XXXX and with XXXX XXXX  XXXX The XXXX Causes me to XXXX XXXX XXXX I currently am taking XXXX at the XXXX center and this XXXX has gotten me absolutely XXXX my neurologist has already had to write letters in regards to other situations that they Be XXXX free environments that contribute to more XXXX XXXX. At this point I am Going to fike a law suite for This due to their absolute careless Concern for My health as I've already had discussions about with this company. Please help me to end this harassment that has gotten extremely out of hand at the hands of this Jefferson Capital. Thankyou for your time and effort in regards to my situation with this overwhelming harassing company Jefferson Capital.
Product: Debt collection

On the XX/XX/XXXX I closed my XXXX account for DSL internet due to moving to XXXX to change XXXX. About a month after we canceled our service we called to make sure that our internet account was closed/Free and clear as well as our other utilities/services. We were notified that our account was closed with a XXXX balance. Shortly after that we received a bill for XXXX dollars and I called XXXX to see what the charges were for and the gentleman from customer service reviewed the account and informed us that they had made and error and we were actually owed XXXX. After that I received an account summary detailing the closure of the account showing a XXXX credit. The day after I received a bill for XXXX dollars along with a collection notice from IC Systems. I called XXXX again talking with various offices customer service, account management, etc. and no one could explain the bill or the debt collection. I then called IC Systems and asked about the debt and how to resolve it. Seems that there was no way for XXXX to remove the collection notice and that I would have to dispute the charge and wait for review. I ended up paying the debt collector in hopes that XXXX error will not affect my credit. I plan on disputing the charge with letter to IC systems but do not have much faith in any resolution with XXXX. I can not tell you the time I dedicate to keeping my finances in order and have never been late on a bill. It is very embarrassing to receive a collection notice. Through some research on I have found huge amounts of complaints about XXXX for the exact same situation. Furthermore please take note to the account numbers on both the Account Summary, and the Bill that I was sent. They do not match between the two invoices, but in XXXX system both numbers associate with the same account. Any help that you could provide would be greatly appreciated we are in the process of closing on a house and this concerns me greatly that it will affect the closing in a negative way despite my stellar credit. Its very frustrating how willing they are to sell you services, but when your done they cant help at all. 

Thank you, below is the contact information for both companies involved. 


XXXX XXXX IC Services XXXX
Product: Debt collection

In summer of 2011, I canceled an XXXX cell phone account because I had zero coverage in the community I was living in. On several occasions, I contacted XXXX using friends ' phones to troubleshoot the issues. Each time, no fix solution could be found. XXXX placed many test calls to my number while I was home and all calls went directly to voicemail as my phone never rang. I paid the final bill and requested the account closed due to no home coverage which was fully verified. Years later, I 'm finding out I 'm in collections. Every month of every year, Afni , Inc keeps renewing the collection account on my credit reports. I contacted them before for the validity of the debt but my attempts were always unsuccessful for they would never respond or comply.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I received a text from " Wells Fargo Fraud Alert asking if I attempted a {$3500.00} XXXX transfer '' I did not get a chance to reply to the text as within minutes I received a call from " Wells Fargo '' ( the caller had hidden their actual phone number and replaced it with the actual 1-800 number on my Wells Fargo card ).

The caller identified himself as XXXX XXXX with Wells Fargo, badge # XXXX. 
The caller then walked me through the process of filing a claim with XXXX for these fraudulent transactions ( {$1000.00} & {$2500.00} ). 
Once complete, the caller told me I would receive an email from Wells Fargo with a link & instructions for resetting my username and password within 30 minutes. 
When I never received an email, I called Wells Fargo and told the rep I needed to speak with someone regarding the fraud case that was just opened an hour ago. 
This is when I was informed there is no fraud case open on my account. which is when I realized the whole " filing a claim with XXXX '' was actually the scam. 

XX/XX/XXXX I opened the first claim with Wells Fargo regarding this unauthorized Electronic Fund Transfer. 
Wells Fargo claimed they have no responsibility because XXXX is a separate entity XX/XX/XXXX I escalated my dispute to the " escalations team '' at Wells Fargo XX/XX/XXXX Wells Fargo Corporate complaints department denied my claim for same reason. I disputed their findings and sent them a link to the CFPB FAQ page " Unauthorized EFTs '' Question # XXXX XX/XX/XXXX - Wells Fargo emailed me that they have completed their review and agree with previous finding they are not responsible. 
XX/XX/XXXX - I disputed this resolution again and asked if they read the info from CFPB. The agent I spoke to asked me to email the info directly to her. XXXX XXXX. 
I did, which opened a new Case number for my dispute. 
XX/XX/XXXX - I received an email from the new person handling my dispute which again says Wells Fargo is not responsible for XXXX transfer scam and they consider case closed. 
XX/XX/XXXX - I replied to email with a link to CFPB FAQ page and screenshot of " Unauthorized EFTs # 5 answer and " example '' ) I also left him a voicemail to call me to discuss
Product: Checking or savings account

On XX/XX/2022 I made a withdrawal in XXXX Wells Fargo store with the amount {$4100.00} from my checking and {$10000.00} from my saving accounts. The next day, XX/XX/2022 I made another withdrawal of {$7000.00} from my checking account. 
On the same day, XX/XX/XXXX, I received a text message from number XXXX stated : Wells Fargo-Bank : According to Our Anti Fraud Your Debit/ ATM Card is Under Review, To verify Your Identity Follow XXXX XXXX XXXXXXXX. 
I thought because of my large amount of withdrawal, Wells Fargo put my card under review. I clicked on the link and provided all the information without thinking. I provided the picture of my Debit Card, typed in my ATM PIN, provided my Social Security number and the picture of my Driver License. 
On XX/XX/2022 I noticed all the strange transactions on my debit card was spent at XXXX, the total of {$5800.00} including {$1000.00} at ATM machine. 
I reported to Wells Fargo on the same day XX/XX/2022 about the unauthorized transactions. I also reported to XXXX Police Department and filed an Identity Theft Report on FTC site. 
On XX/XX/2022 Wells Fargo called and left me a voicemail saying that my claim was denied, and all the transactions were made by me or someone who had my permission. 
I disagreed on the decision they made. I called Wells Fargo on the same day XX/XX/XXXX, to explain what happened and how my Debit card got hacked. They suggested me to send a police report to support my claim and write an email to cardclaim@wellsfargo.com to ask to reopen the claim. I contacted XXXX Police Department to provide me the report. Unfortunately, they couldnt release the report since the case is still in active. 
On XX/XX/XXXX, i sent an email to Wells Fargo explained the situation with attachments of the scam text that I received on XX/XX/XXXX, my Identity Theft Report and the email from XXXX Police Department saying that they couldnt release the report. 
On XX/XX/XXXX, I received an email from Wells Fargo ECMO saying that they have started their research on my claim with new claim number. 
On XX/XX/XXXX, Wells Fargo responded to me that they denied my claim again. They concluded that their systems show my debit card and PIN were used as identification and they determined the transactions were authorized by me or by someone authorized to use my debit card and PIN. 
Under penalty of perjury, I declare above information is true and correct to the best of my knowledge.
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 Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number: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 reporting, credit repair services, or other personal consumer reports

I have no knowledge and never gave consent to anyone for them to furnish my information.