23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX, I'm writing to put on notice the company Caine and Weiner concerning the alleged debt that is not owed. This company is listed on my XXXX and XXXX consumer reports. I learned of this alleged debt in XXXX of XXXX, by requesting my consumer reports from XXXX and XXXX. Caine and Weiner is listed there as a debt collector with the original creditor being Progressive insurance. On XX/XX/2022, I proceeded to send a debt validation letter pursuant to 15 USC 1692g. On XX/XX/2022, Caine and Weiner responded to my request pursuant to 15 USC 1692g. This letter does not validate the debt. The letter does not show any evidence of the debt owed to the original creditor Progressive. Caine and Weiner did not supply me with a purchase agreement from Progressive validating that this debt was ever owed and they now have obtained ownership to collect this alleged debt. In Caine and Weiner 's last correspondence with me, they violated 15 USC 1692f ( 8 ) Unfair Practices. Pursuant to this subchapter, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. For all violations listed in this complaint, I will give photos of all correspondences between myself, and Caine and Weiner. Because they did not properly validate the debt showing any purchase agreement between Progressive insurance and Caine and Weiner of this alleged debt, I have factual evidence, which gives reason to believe that they are also in violation of 18 USC 1028 Fraud and related activity in connection with identification documents, authentication features, and information. Most insurance information in regards to a consumer disclosure report is located on the secondary credit reporting agency, XXXX XXXX. Caine and Weiner did not properly validate the alleged debt to show ownership to collect, so they are in fact in violation of 18 USC 1028. Also pursuant to 15 USC 1681b Permissible Purpose, there is no factual evidence showing any verbal, or written consent was given to Caine and Weiner to obtain any information listed on XXXX. So in closing they have no legal right obtained from Progressive insurance to collect on this alleged debt and have violated congressional laws under identity theft, the FDCPA, and also did not obtain any verbal or written permissible purpose to obtain a consumer report from any consumer reporting agency about me XXXX XXXX. I would like to request equitable remedy for Caine and Weiner, to delete this alleged erroneous debt from my consumer report on XXXX and XXXX immediately.
Product: Mortgage

This is my 3rd request to the CFPB ( Consumer Financial Protection Bureau ) and 2nd request to obtain information for the below mentioned dates. 

I hereby request a copy of every and all mailed Periodic Statements to me during the following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Beginning in XX/XX/XXXX, I was informed that the FDIC Office, designated to address all matters pertaining to the failed XXXX XXXX/XXXX XXXX, was scheduled to closed. This, I was told over the phone on the same day as it was announced to me that, the last 5 loans where sold. The new Loan owner, was bound by law, to establish contact within 30 days. When asking for Name and contact information, I was told that she, my FDIC Contact representative didn't have that information, she only new that the office was to be closed by the end of XX/XX/XXXX and It was the Law that the New Loan Owner would contact me with in 30 days. 

When I didn't receive a my periodical scheduled Statement, I became nervous and the 1-800 number to learn who to make my payment to? But I was told that the 30 Day 's did not begin until XX/XX/XXXX and I should be patient! 

I became exceedingly nervous and shared my concern with my employer, The City attorney of the Town I live in. A matter fact, I decided to seek councilI with anybody I though could help me understand what was happening. Everybody believing that the due process is to wait! 

XX/XX/XXXX came and still no contact with the new loan owner. This continued till XX/XX/XXXX, when RoundPoint send there 1st statement! 

Today, I believe to know the name of the highest bidder, XX/XX/XXXX, was XXXX XXXX XXXX ( XXXX ). I believe that XXXX XXXX XXXX failed to forward periodical scheduled Statement and therefor walked away from my contract! 


Press Release XXXX XXXX XXXX XXXX FDIC Announces Winning Bidder .... 
The FDIC has signed a bid confirmation letter with XXXX XXXX XXXX ( XXXX ), ... 
XXXX XXXX XXXX Thank you for your diligent in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A talk to an agent a month ago about a miss payment showing up my account. I was told " 'it is nothing to worry about and it will fix itself ''. A month later I still have a miss payment on my credit report. The late payment bringing down my credit and prevent me from purchasing a car. I need it right TODAY.
Product: Checking or savings account

XXXX XXXX XXXX ( XXXX  ) sent my account to collections. Other than claiming I have not made payments for over 3 years, 2020 to date, they are charging me collection fees and attorney fees.

I send my XXXX  payments through my Chase Bank checking account, who then send paper checks to the XXXX, and asked Chase Bank to provide proof of payments/cashed checks, for the transactions I have made to the XXXX. The money has been withdrawn from my account each month, but they claim they are not able to provide proof of receipt of those payments. When I call my bank, they provide instructions on how to view my bank statements, that show the money drafted from my account but they are unable to provide any proof that the money withdrawn from my account has been received by the XXXXXXXX. The XXXX/collection agency is claiming I owe over {$17000.00} in unpaid dues and fees.
Product: Prepaid card

Hi Im trying to get help form pay pal to get a card they wont give me a new card when I opened a new account up because I had a account there closed it out on there own with out my knowledge so I want them to give me a card
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX  XXXX Balance : {$23000.00}, XXXX  XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},
Product: Debt collection

I filed a dispute online with CBC Credit Services Inc on two different occasions, and each time the CBC sends me a list of all of the VERY PRIVATE PROCEDURES done to myself and my child. I was under the impression that this information is confidential and I must give permission for CBC to have any of my medical records. I have received detailed medical records from me and my XXXX minor children. The information contained in these files is to be treated with the utmost confidentiality. Allowing a Credit Collection Company having my personal information regarding my children and myself is a criminal offense.
Product: Checking or savings account

I used a U.S. bank ATM for cash deposit on XX/XX/2021 of {$1200.00}. The ATM took all the money ( {$1200.00} ) but then said there was an error and it couldn't make the deposit, but only returned {$800.00} of the money I inserted. I went inside the bank and told teller what happened, and that I would like to deposit remaining cash. The teller took {$800.00} and told me I should call the number on the receipt from ATM. I called the number on the receipt from the ATM but the customer service member was unable to help me and proceeded to give me another number to call. Four phone calls later and an additional visit to the bank, I received a letter that they were unable to find any discrepancies in the ATM deposits on XX/XX/2021, which was the date I finally was able to connect with a person who could help me, not the date of the actual deposit. US Bank called me again on XXXX XXXX 2021 that I would receive another call regarding the XX/XX/2021 ATM deposit discrepancies, but as of XX/XX/2021, I have not been contacted again, nor has my money been returned. They are now claiming that there is no discrepancies even though I have a receipt from the ATM from the day of the attempted deposit that clearly states, " A machine error has occurred and the ATM was unable to credit my account or return some of the items I attempted to deposit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo bank has decreased my Fico score for no reason. 
In the Fico score report, the Wells Fargo report stated that I do have serious delinquency accounts. 
I do not have any delinquency accounts and all my financial accounts are current and paid on time. 
The bank has lowered my score from XXXX to XXXX.
Product: Credit card or prepaid card

Hi, I had a Amex XXXX  credit card and I requested to close the account earlier this year. At the time of closing, I had about XXXX point in Amex. During the call with customer support, I was explicitly told that I will have one month to redeem the points once I go ahead with closing my account. I explicitly confirmed twice if I have 1 month to redeem and it was confirmed by the support agent. However, once the account was closed, I lost all my points. I raised complaint twice. But it didnt help. 

Approximate flow of conversations during the call with support agent ( You may confirm with Amex 's call logs ) Me : I would like to close my account. How long do I have to redeem the points Amex : A month from date of closing Me : Okay, lets proceed Amex : Explained some terms and conditions and then asked to confirm if I would like to close the account. 
Me : Are you sure that I have month to redeem the points? 
Amex : Yes, thats right. Shall I proceed with account closure? 
Me : Yes The above conversation can be verified from your call logs. On raising the complaints twice, the first I was told that they reinstate the points but they didnt. Second time, they flatly declined saying nothing can be done inspite of telling them to review their own logs. 

I feel it is unfair to lose my points especially because of wrong information given to me.
Product: Checking or savings account

I've been a Wells Fargo customer with a checking account since 2018. I am filing this complaint due to the recent settlement due incorrect fees being charged on customer 's accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX CFPB : I have tried many times talking to WELLS FARGO BANK ( Credit Card Dept ) bur they keep updating the information they reported initially on my XXXX Credit Report, so I decided to close the account. 
This is the way it is reported by XXXX : Account Info WF CRD SVC Closed 3 late payments Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX - Credit Limit {$6000.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They report 30 days late in XXXX and then again 30 days late in XXXX and that can not be correct, if I paid the first 30 days late then it had to be current next month, if I didn't, it would have to be 60 days late they report 30 days again ... then late in XXXX .... 
The Fair Reporting Act says that the information on a credit report has to be timely, verifiable and accurate. 
The information is not accurate and should be removed from my XXXX credit report. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Huntingtons bank was not authorized to debit my bank account for 2 payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$3400.00} ), ( US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$2200.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I have 6 Accounts with GLA Collections XXXX XXXX XXXX XXXX, Kentucky XXXX on my Credit Bureau Reports. I have expressed to them two other occasions where they did indeed remove the accounts. But without success I am unable to communicate to them that these six accounts are also under the exact situation with insurance as the two that were removed.
Product: Credit reporting or other personal consumer reports

I am writing to report a serious matter of identity theft and potential fraud involving an unauthorized inquiry on my credit report. After thorough investigation and communication with my bank, it has been confirmed that no such inquiry was initiated or authorized by me. 

Upon discovering this discrepancy, I promptly contacted my bank to verify the details of the inquiry. However, they informed me that they have no record of any such inquiry and that it was not initiated by their institution. I have also attempted to communicate with TransUnion through written correspondence, but I have encountered difficulties as the inquiry potentially has been made over a year and can not be removed without a report/written communication. 

Following a discussion with TransUnion representatives, I was advised to file a fraud report with your agency. I understand that this report will serve as authorization for TransUnion to take the necessary steps to remove the unauthorized inquiry from my credit report. 

In light of the potential risk to my financial security and the importance of maintaining the accuracy of credit reports, I kindly request your immediate assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX SIMPLE was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times over the course of the last several months. I have filed numerous disputes via online and over the phone with representatives that XXXX inquiries recorded on XXXX XXXX, XXXX, one by XXXX XXXX and the other by XXXX were not authorized by me. I also advised the XXXX XXXX XXXX  inquiry dated XXXX XXXX, XXXX was also not authorized. Equifax has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Equifax delete the inquires immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2018, I disputed a credit card account with XXXX  credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from XXXX that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a XXXX   representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from XXXX  regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.
Product: Debt collection

My Name is XXXX XXXX and i have service from XXXX for long time then i move to other company and i paid all my bills including the final bill. now they send me a new bill and i told them i pay off all my bills, after then they send my information to collection agency. and i don't know how to pay again, can please help me and i will attach the final bile receipt Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/ I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XXXX XXXX  and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/. The XXXX transfers were credited back the next day after receiving Wells Fargos response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on Wells Fargos part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I Requested information used to investigate my case and was denied. I am requesting the information again due to the date being wrong on my case and the obvious mishandling of the case which had it been handled when the case was opened on XX/XX/2023 when I was given a case number the fraudulent wire transfer could have been stopped as it was not scheduled to go out until XX/XX/2023. Instead they are claiming it was opened on XX/XX/2023 which is false. I am not even being provided with the receiving financial institution which prohibits my ability to have the scammer who presented themselves as a Wells Fargo employee from being criminally charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only took out 6 loans total with Sallie Mae of whom is now Navient. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.