23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the law firm of XXXX and XXXX in XXXX Texas stating that my mortgage with Nationstar Mortgage was past due and near foreclosure. This information was not accurate and immediately faxed a request for them to validate the debt information as per my rights under FCRA and FDCPA. The fax was sent on XXXX/XXXX/XXXX ( fax confirmation attached ) and I have yet to hear a response from the company. They continue to report the mortgage as past due and in foreclosure despite the account being paid in full in XXXX. I was recently denied a car loan because of their false reporting.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately
Product: Credit reporting or other personal consumer reports

The XXXX website shows that I only have XXXX active loans with a balance, the rest have a status of Paid in full/Discharged. However after multiple disputes through Experian, XXXX refuses to update the status of the other XXXX loans with the credit agency ( both Experian and XXXX ). My XXXX report shows the correct balances.
Product: Checking or savings account

XXXX XXXX, debit card number XXXX, XXXX, the entire time I have had this account, I have experienced some problem. I asked for an internal investigation concerning XXXX, my insurance company. They were debiting my account premature the scheduled date. After XXXX messed up my account, the bank added fees and I could not recover this mess up. 

Then I received a letter from a company called XXXX XXXX out of XXXX, WA XXXX Stating they were the collection agency, account # XXXX, XXXX Account # XXXX, I contacted the BBB to see if they were legit, and no information was found. Please I feel this incident was a diversion to gain access to my bank account. I notices may time from the library, where the computer was stored, stating my account information was compromised. I would like to thank you in advance for your prompt attention in this matter.
Product: Checking or savings account

I closed my account when I had funds in the account. They still charged and added overdraft fees
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXXXXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I arranged payment online and received a payment confirmation email with Confirmation Number : XXXX. There were sufficient funds in my account to cover the payment but the amount was not deducted from my account. I checked my bank account for the next few days and contacted the customer service department with the first call at approximately XXXX yesterday, XX/XX/XXXX A rep told me that the payment did not go through due to insufficient funds. I called my bank and was told that no attempt had been made to collect the funds from my account. I authorized the customer service rep to process the payment again. I checked my account on their website and noticed a {$20.00} fee had been added to my account. Another call to customer service at approximately XXXX and this time the customer service superviser (? ) told me that the fee was there because I had not typed in my bank information correctly. I asked for a screen shot of the incorrect bank number but she said it could not be proven to me. Bear in mind that this fee was added on XX/XX/XXXX and I never received any type of alert that there had been a problem with my online payment. The woman who claimed to be supervisor told me she would do a one time waiver of the fee on my account. I checked this morning and it is still on my account with no description of what type of fee it is. The due date on my account was XX/XX/XXXX. I was not aware that this particular finance company did not cover a 10 day grace period for payment. This morning I searched the XXXX reviews of this particular company and found a large number of negative customer complaints with similar complaints to mine especially about their customer service representatives and the lack of timely action and the inaction to handle complaints. As I am unclear about their lack of alerts regarding a problem with a payment and the type of fee they placed on my account, I would appreciate your review of this company especially as there is {$4.00} fee charged for making and online payment. I have been making car loan payments since XXXX and never encountered a poorly managed company as this.
Product: Credit card

Dear CFPB, XXXX XX/XX/year>, I placed an order with XXXX totaling {$450.00}, which included XXXX items. XXXX of these items was the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX priced at {$370.00}. However, when I retrieved my order from an XXXX locker on XX/XX/year>, only XXXX of the XXXX items were present ; the XXXX XXXX was missing. 

I immediately contacted XXXX to request a refund for the missing item. They informed me that, due to the items value, I would need to file a police report before they could proceed with the refund. I complied and submitted a police report from the XXXX XXXX Police Department on XX/XX/year>, via a reply email to XXXX, as directed. 

Shortly thereafter, XXXX notified me via email that my police report did not meet their standards, though they provided no clear explanation of this decision. When I called for clarification, I was provided with conflicting information. The representative escalated the matter to a supervisor, who contacted the Georgia XXXX Police ( rather than the XXXX XXXX Police, which filed the report ) and subsequently claimed they had no record of my report. Despite my request for them to contact the XXXX department, the supervisor refused and ultimately ended the call. 

Frustrated by the lack of resolution, I initiated a chargeback with my bank, Wells Fargo, on XX/XX/year>. Unfortunately, Wells Fargo sent correspondence related to my claim to an outdated address. After updating my address with them and responding to their questions, I recently received a letter at my current address stating that my claim was closed due to lack of information. Today, I spoke with a XXXX XXXX XXXXXXXX at Wells Fargo who informed me that XXXX had provided day-by-day tracking details but omitted any shipping weight information that could help verify the contents. Wells Fargo ultimately declined my claim, citing FDIC regulations, stating that once XXXX provided proof of shipment, they were unable to reverse the charge. 

I find this resolution unsatisfactory for the following reasons : XXXX. XXXX failed to honor its missing item policy by refusing to accept my valid police report, and I still have not received the item I paid for. 
2. Wells Fargos handling of my chargeback claim has been inadequate, as the bank declined my claim without sufficient proof that the item was included in the shipment I received. 

Proposed Resolution : To resolve this issue, I request that either : XXXX. XXXX refund the {$370.00} for the missing product ; or XXXX. Wells Fargo reinstates the provisional credit extended to me and makes it permanent to cover the loss. 

Either of these options would address my concerns and make me whole in this situation. Thank you for your attention to this matter.
Product: Checking or savings account

This complaint regards the failure of TIAA to act on, or respond about, the W-4P form I filed with TIAA. The W-4P form I send TIAA by fax requested additional tax withholding from RMDs to be distributed from my XXXX ( b ) accounts at TIAA. The W-4P form was filed with TIAA by FAX on XXXX XX/XX/2023. 
Many phone calls to TIAA since XXXX XXXX have revealed that their computer systems are unable to process my simple withholding request. My most recent phone call was on Monday XXXX XX/XX/2023 when I spoke to XXXX who investigated the situation and told me that TIAA was having great difficulty managing such requests. XXXX promised to contact me again about the difficulty on Wednesday XXXX XX/XX/2023, but I have received no further communication from TIAA.

I request that TIAA be tasked with appointing a specific individual to take charge of my request and provide me with written status reports regarding compliance with the additional withholding I have requested by filing form W-4P with TIAA by fax.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX BALANCED {$1900.00} XXXX XXXX  XXXX BALANCED {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. 

I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Debt or credit management

Company uses my number for harassment dont know how they obtain my phone number its not public records
Product: Debt collection

These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. Per 15 USC 1681e ( b ), my consumer report contains numerous violations concerning the inaccuracy & incompleteness of accounts being reported to all credit bureaus. The accounts possess insufficient information concerning my payment history. Violations will be documented and attached for each account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my consumer report from XXXX and TransUnion LLC. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my address a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company TRANSUNION has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit to support my family or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that Transunion and XXXX companies are either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Product: Debt collection

Caine and Weiner first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. As this bill was already paid in Full to the creditor. Please see attached.
Product: Debt collection

Law firm sent me a notice of property foreclosure sale for my 2nd mortgage. 
I have not received notice of the debt or notice to validate the debt. There is a property foreclosure sale date set for XX/XX/2109 for my property. I also did not receive a 30 day notice by mail per the Tennessee state law. Letter is dated XX/XX/2019 but I did not receive the letter until XX/XX/2019. They are trying to foreclose on my first mortgage and I'm current with my first mortgage with a different mortgage servicer. 2nd mortgage is the delinquent mortgage, instrument number in the letter is for my 1st mortgage and not my second mortgage.
Product: Credit reporting

I 've submitted XXXX disputes and the continue to come back stating the XXXX inquiry is factual when it is not. I 've been in contact with their Escalation team to have it removed and I was advised their Equifax Rep is not responding. I believe Equifax is not even contacting to XXXX to verify any data otherwise they will be notified that it was done without my consent from one of their XXXX XXXX Rep without my SSN. I 'm even sure how they were able to run my credit but there is an inquiry from XXXX/XXXX/16 that needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name wrong.
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 confidentally under 15 U.S.C 1681. 

a " Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602.A.s 15 U.S.C 1681 section 604.A section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 s-2 ( A ) ( 1 )
Product: Credit card or prepaid card

I have gotten several emails welcoming me to Fortiva, stating I have a payment scheduled for {$99.00}. I have never heard of this company, and I havve one credit card in 4 years or more. 
When I called I was asked to supply last 4 of my SS, zip code, first and last name. When she was not able to find an account under the last 4 of Ss number and zip code I refused to provide more information that may allow an account to be linked to me via fraud. I also called from a phone not registered to me as I suspected it to be fraudulent.
Product: Mortgage

The current Bank holder still has not recorded a reconveyance of the mortgage securing a HELOC that they prematurely closed after I paid down balance to 0 owed & in good standing ) on XXXX XXXX7. The Deed of Trust securing the original {$640000.00} remains a cloud on my title. I understand they have violated civil code S 2941 etc. but issue seems to be that the file had been over to their trustee to reconvey & after starting process by recording a substitution of trustee on XXXX XXXX XXXX, the trustee dropped or maybe lost the file?? Anyway the substituted trustee for the bank did not then sign & record the reconveyance. And no one at bank, no one I have talked to has been able to get this done.
Product: Credit card

According to the fair credit report Act, section 605B it is illegal to report information on my credit report without permission thank you please remove this off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for XXXX XXXX XXXX dated - XX/XX/year>, be removed from my profile. I did not open account nor do I recognize this inquiry. Please remove this inquiry from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item from my credit report.
Product: Debt collection

I am writing to follow up on my dispute regarding an account with Wells Fargo Credit Services. Despite multiple dispute submissions, Wells Fargo has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly the 30-day response window, and continues to send correspondence to the wrong address despite my repeated corrections. Key Issues : 1. **Failure to Comply with 30-Day Dispute Response Requirement** : Wells Fargo has **failed to respond within the legally required 30 days** to my disputes on multiple occasions. I have submitted dispute letters on : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time, Wells Fargo has either failed to respond within the allotted time frame or provided incomplete or insufficient documentation that does not meet the FCRAs debt verification requirements. 2. **Use of Incorrect Address Despite Multiple Corrections** : In each of my dispute letters, I provided my correct address enclosed a copy of my drivers license, and a current electric bill to verify this information. Despite this, Wells Fargo continues to send all correspondence, including their conclusion letters that they uploaded to cfpb website on XX/XX/year>, to my previous address. Even the letter they uploaded to this dispute is still using my old address when clearly cfpb also provided them my current address. 

As a current account holder with Wells Fargo, they already have access to my updated address information. The continued use of my old address despite having all the correct documentation feels fraudulent, as if Wells Fargo does not want me to receive the responses to my disputes. This deliberate mishandling of my disputes is not only frustrating, but also appears to be a violation of my rights under the FCRA. Request for Action : Given that Wells Fargo has failed to respond within the required time frame **four times** and continues to use an incorrect address, I request that this account be removed from my credit report immediately. Their repeated non-compliance and apparent mishandling of my disputes warrant this action. Additionally, I would like to remind you that under the FCRA, consumers are entitled to statutory damages of up to {$1000.00} for such violations. I respectfully request that this be taken into consideration when addressing Wells Fargos persistent non-compliance. Thank you for your time and attention. I look forward to a prompt resolution. Sincerely, XXXX XXXX