23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A billing error first occurred on my XXXX XXXX Credit Card statement in XXXX of XXXX I placed numerous calls to Wells Fargo explaining in detail the error and was assured they would investigate and correct the mistake. After SIX MONTHS, still NOTHING has happened. I continue to receive incorrect bills with growing interest charges and fees- my bill is now {$140.00}! 

The details : in XXXX, XXXX  the XXXX XXXX accidentally charged my XXXX card for a subscription in the amount of {$27.00}. Subsequently, they issued a credit in that amount but Wells Fargo continued to charge me the original amount PLUS the erroneous interest/penalty fees. I have not used the card at all or shopped at XXXX since this problem occurred and I will not until it is fixed. They failed to contact the XXXX and do the research promised, so I contacted the XXXX XXXX myself and asked for a written confirmation that there are NO CHARGES due. I also asked them to report their error to the credit reporting agencies who have received negative information that may affect my borrowing ability in the future. 

I am extremely frustrated and have now sent a letter to Wells Fargo with my XXXX receipts and am awaiting resolution.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and followed every step in the Recovery Process on the Federal Trade commission 's web page to no avail. 
I received a letter from XXXX telling me they can not remove the derogatory merchants rom my report yet I sent them tie letter from FTC SEVEN times! The last time certified mail return receipt requested but when they told me they received it, I think I threw it out. 
The letter stated that I made report in err or a nd should pay my bills!??? 
This has been going on since XX/XX/2019!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - {$730.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Product: Checking or savings account

I have a basic savings account with Ally Bank. They recently closed the account and I have no access to the funds which were approximately ~ {$11000.00}. 

Since they have closed the account, that's fine, I merely want a check for the funds in the account. 

It's been months with no action, just complete the closed account and remit me my funds.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach causing fraudulent accounts and information to appear on my credit report making my credit decrease tremendously. 

XXXX XX/XX/XXXX inaccurate information capital one XX/XX/XXXX fraudulent account hard inquiries -- XXXXcapital one auto finance XX/XX/XXXX consumer portfolio sec XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncom/auto land sales XX/XX/XXXX
Product: Checking or savings account

On XXXX, XXXX XXXX  a fraudster gained access to my USAA account and wired in {$5000.00}. Then they transferred money from my savings account to my checking account, and wired out {$6100.00}. I called the next day to dispute the unauthorized wire and assumed they would handle the problem. USAA attempted to recall the wire on XX/XX/XXXX. Even after securing my account with USAA with their security team, I had another {$5000.00} transfer from my checking account, on XX/XX/XXXX which left my account overdrawn ( - {$5000.00} ). They told me they would look into the issue but it may take up to ten days. Ten days later, and my dispute was closed though nothing was resolved or communicated to me. I had to issue a new dispute and a new wire recall to start the process again. I am now receiving official USAA letters to collect the money from my overdrawn checking account. It has been a month and they have not resolved the issue nor have they been helpful in communicating why my account was able to be overdrawn by {$5000.00}. Or why I am liable for an unauthorized wire and transfer? 

In short, someone stole my money and now USAA is asking me to resolve the insufficient funds, which I do not have since all my money was wired out.
Product: Credit reporting

I disputed an inaccurate account balance and they removed the account complete, causing my score to drop XXXX points
Product: Checking or savings account

I opened an account with Chase. After about XXXX weeks they closed my account with {$900.00} in it. I called daily, to which they replied Chase has decided to end the relationship and close the account. I ask why. They reply that they do not have to tell me that information. They stated each time I called that after XXXX days a check would be mailed out with the remaining funds and to call back on the XXXX day. I call back today, which is the XXXX day. They say that they are now withholding my funds due to an XXXX  payment in my boyfriends name. My boyfriend is here with me and could verify his identity. She advised no they will need to call him directly. So I provide his phone number. The woman then stated they can not call him at that phone number due to it not being 'registered in his name '. I asked her how to do this and she had no answer to this. Our cell phone provider does not do that. I asked if he can come into a branch with me and she also said no. 
I don't understand how proving your identity in person can be less valid then having a phone number registered to your name.
Product: Mortgage

Idaho Housing Agency is reporting FORECLOSURE STARTED and paid foreclosure on credit but it was never a foreclosure. I need this fixed asap.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$29000.00}, XXXX XXXX  XXXX balance {$3800.00}, XXXX  XXXX  XXXX balance {$2500.00}, XXXX  XXXX  XXXX balance {$6200.00}, XXXX  XXXX  XXXX balance {$6300.00}, XXXX XXXX  XXXX balance {$5000.00}, XXXX  XXXX  XXXX balance {$4200.00}, XXXX  XXXX  XXXX balance {$27000.00}, XXXX XXXX  XXXX balance {$3600.00}, XXXX  XXXX  XXXX balance {$3900.00}, XXXX  XXXX  XXXX balance {$5300.00}, XXXX  XXXX  XXXX balance {$3400.00}, XXXX  XXXX  XXXX balance {$3300.00}, XXXX  XXXX  XXXX balance {$1100.00}, XXXXDEPT OF ED balance {$26000.00}, XXXX/DEPT OF ED balance {$4100.00}, XXXX/DEPT OF ED balance {$28000.00}, XXXX/DEPT OF ED balance {$6100.00} , XXXX/DEPT OF ED balance {$1100.00}, XXXX/DEPT OF ED {$4900.00}, XXXX/DEPT OF ED balance {$3800.00}, XXXX/DEPT OF ED balance {$3900.00}, XXXX/DEPT OF ED balance {$5200.00}, XXXX/DEPT OF ED balance {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score. The information of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ) late 30days XXXX XXXX never occured. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I conducted a transaction using Wells Fargo that used XXXX to pay for XXXX XXXX tickets with an individual I met on XXXX. We discussed over the phone and text messages that the terms for 4 XXXX XXXX tickets at XXXX stadium would be for {$2200.00}. He requested I use XXXX since it 's bank to bank and the electronic transfer of tickets would be made immediately. The individual mentioned that he was unable to receive the transfer, so he wanted to meet in person. After several attempts to try to meet, the individual said they cancelled the transaction, to give it a couple of days to refund, and gave the tickets to someone else. I knew immediately something was fishy so I immediately filed an online fraud claim with Wells Fargo. On XX/XX/XXXX, I followed up with Wells Fargo online fraud. Since I used XXXX, Wells Fargo claims no consumer protection and would not provide me with any information of the individual 's bank or real name after saying that the service is only for friends and family, not strangers. Absurd since that information should be readily available if they 're known to me! They said this would require a subpoena via legal avenues, so I filed a police report with the text messages with the scammer. I just received the copy of the police report today on XX/XX/XXXX Shocked that Wells Fargo and XXXX would allow this!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Tranunions Account Name : XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> need to remove Late payments
Product: Student loan

I had filed bankruptcy in XXXX. I was told that the student loan were forgiven and no further action was needed. Over the last several months I have been trying to deal with getting paperwork sent to me in regards to my mother 's XXXX, since Navient has decided to start harassing her for money as she is my cosigner. They repeatedly told me that the forms would be sent and never were. Finally, 5 months after trying to get paperwork initially, it was sent to my mom. She filled out all the required documents in XXXX and when we had not hear back from anyone in XXXX, my mom called. The paperwork had been sitting in a pile on someones desk, not even being processed. When I called to speak with someone, I was told " ask your landlord for free rent so you can pay us. '' Is that proper management or verbage to someone who has been trying to get help with these student loans for months!? I was also told there is no way to request forbearance or deferment. I can not pay for these loans at this time and my mother is severely XXXX and unable to make payments. This has been going on since XX/XX/XXXX!
Product: Debt collection

Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below. 

In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues. 

1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I  was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why? 
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234? 
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices. 



XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared. 

In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX. 

When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX. 

Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard. 

TSI has refused the settlement.
Product: Credit card or prepaid card

I have reasons to believe that Macys/ Citi bank violated my rights under the the fair credit act and/or violated rules and regulations of the XXXX when processing ACH payment. I was never informed of problem with the ACH payments. In a previous complaint my concerns were ignored and problems were confirmed that showed that Macys billing statements had errors and I was over charged {$25.00} with {$4.00} of that false claim interest fee. My records reported to the Credit bureau had on time payments and not one missed payment 6 months in a row. Emails confirming payments and not one alert of a return payment or missed payment. I was charged {$21.00} on XX/XX/XXXX for a XXXX debit payment placed on XX/XX/XXXX amount {$29.00} bank reference # XXXX. I was charged twice {$2.00} fee for interest on a {$0.00} balance. This error is shown on the end of year billing statement showing {$25.00} ytd fees and {$0.00} ytd in interest fees. What happen to the {$4.00} false interest fee? 

This was first brought to customer service in XXXX of XXXX when a balance of {$10.00} remained that I felt I did not owe. Billing statement prior to XX/XX/XXXX were viewable on line. And I had to request these statements and receive them XXXX of XXXX. 

Macys put in a blank dispute in XXXX when I called customer service. 

This is the mistake that Macys can not deny and was reported several times and on record. 

Macys/ Citi Bank billing statement under account transaction - XX/XX/XXXX payment {$16.00} and XX/XX/XXXX payment reversal {$16.00}. 

Citibank Client Services XXXX XXXX XXXX XXXX XXXX, SD XXXX Citi bank statement Personal checking account Balance as of XX/XX/XXXX was {$31.00} XX/XX/XXXX ACH Electronic Debit MACYS ONLINE XXXX XXXX {$16.00} To After payment Balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} I provided a copy of bank statement to show the funds left account and it was reversed without notifying me. 

This was in dispute but Macys continued to report and charge fees. XX/XX/XXXX I paid {$16.00} instead of the {$110.00} that was being charged on an over charge {$10.00} balance. Macys continue to bill late fees on {$0.00} balance and interest. My account was reported close although it shows in dispute with {$100.00} credit limits zero balance.
Product: Student loan

I was a student at the Univesity of XXXX during the timeline listed in the following complaint. FTC XXXX NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX XXXX  COURT : District of Arizona RELATED CASE : University of XXXX , XXXX & XXXX XXXX XXXX , XXXX XXXX 

https : XXXX Why are they still able to offer Scholarships to new students when this matter has not been settled with former students. With the current conditions with people struggling to make their student loan payments, the university should be required to make restitution to former students and make new students aware of their misleading marketing/information provided. 

XXXX There are multiple lenders that were needed to make payments to the school and a lot of the expense was paid out of pocket. ** * Please let me know what options are available to protect students and have this matter resolved. 

Thank you,
Product: Mortgage

We are processing papers for a bank approved short sale when I was admitted in the hospital for XXXX XXXX hence I could not complete my papers before the deadline and the mortgage company has decided to go ahead with foreclosure. My husband is sick with XXXX, just had XXXX therapy. The mortgage company is PHH
Product: Debt or credit management

I am involved in a debt resolution program with Meadowbrook Legal group. They recently became involved in litigation that resulted in the program being put on hold. messages sent out said that more details would be forthcoming. I received notice that one of my debtors is suing me. I sent Meadowbrook the info and emailed them and haven't received any response. I contacted the debtor to see if we could resolve the issue and they said they couldn't negotiate directly with me until they got a letter from Meadowbrook stating that that was alright. Calls to Meadowbrook result in my being put on hold for hours and being disconnected. Any assistance in this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc ), due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST SEVERAL MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, BUT THEY WILL NOT REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. PER FEDERAL TRADE COMMISSION OFFICE ONCE THEY RECEIVE MY FTC REPORT THEY WILL NEED TO BLOCK THE FRAUDULENT ACCOUNTS BUT THEY REFUSE TO PROCEED ACCORDINGLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX  to try to fix the problem and they have looked into it and found out the location of where the account was open and that it wasn't my self that that open the account due to inaccuracies.I assumed it was cleared off my credit report obviously it has not been removed. The date i notice it appeared on my credit report was friday XX/XX/XXXX XXXX very next day which was saturday XX/XX/2019 i put fraud protection and freezing on the 3 credit bureau .
Product: Mortgage

Mortgage payment for XX/XX/2024 was made and deducted from our bank account. Carrington Mortgage sent us a late notice for our XXXX payment and stated they did not receive it. We provided proof from our bank that it was made by ACH and that it cleared our account on XX/XX/2024. After numerous talks and providing proof of payment Carrington still said they did not receive it and then proceeded to mark us late on paying and have since ruined our credit. The payment was made and as of this date, Carrington still says they do not have the XXXX payment. {$1400.00} of our money is at their office yet they still say they can not find it.