23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX  XXXX {$11000.00} XXXX  XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. This account do not belong to me. If not resolved I will sue for damages
Product: Debt collection

Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX, XXXX here on behalf of XXXX XXXX hope this letter finds you well. I am writing to inform you of my intention to file a civil complaint against you for securities fraud and breach of contract, pursuant to federal statutes. The purpose of this complaint is to seek redress for the harm caused by your actions, which include the unauthorized sale and trading of my securities, refusal to provide me with the equity owed, and failure to rescind my promissory note. 

Factual Background : XXXX. On XX/XX/XXXX, I entered into an agreement with you, whereby I provided security collateral in exchange for certain financial benefits and equity.

2. As per the terms of our agreement, the security collateral I presented became a valuable instrument to your bank, and I was entitled to the corresponding equity and benefits.

3. I understand that WELLS FARGO has the ability to approach the Federal Reserve and obtain cash/ Federal Reserve Notes ( FRNs ) by utilizing my indorsed promissory note/bond/security according to the Federal Reserve Act Section 16 , 1 and 2 codified in 12 USC 412.

4. However, without my knowledge or consent, you engaged in the sale and trading of my securities, thereby depriving me of the benefits and equity that were rightfully mine.

5. Despite my repeated requests, you have refused to provide me with the equity owed to me, causing significant financial loss and emotional distress.

6. I understand that my application/promissory note was really a security purchased by WELLS FARGO and you are breaching fiduciary duties that come with penalties according to Federal Reserve Act section 29.

7. Additionally, you have failed to honor my request to rescind the promissory note, which was based on the understanding that I would receive the agreed-upon benefits and equity. Rescission is a remedy made available when the underlying basis for making a contract is fundamentally tainted. Some conduct on behalf of a contracting party undermines the very reason that the other party made the contract in the first place. The contract can be rescinded, at the option of the affected party.

Legal Claims : 1. Securities Fraud : Your unauthorized sale and trading of my securities without my consent constitutes a violation of federal securities laws, including but not limited to Section 10 ( b ) of the Securities Exchange Act of 1934.

2. Breach of Contract : Your refusal to provide me with the equity owed and failure to rescind the promissory note are clear breaches of our contractual agreement, entitling me to damages and other appropriate relief.
Product: Vehicle loan or lease

Today, Friday XX/XX/XXXX, I received a letter from Wells Fargo Auto. The document states ( verbatim ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Subject : Duplicate credit error for account ending in XXXX Dear XXXX XXXX XXXX : We are writing o let you know that, due to a processing error, the payment you made on XX/XX/XXXX, was credited twice to Auto loan account. We deducted only one payment from your bank account and reversed the duplicate credit on your Auto loan account. We apologize for any inconvenience.

What you need to know - Depending on the timing of your monthly Auto loan state, you may see two payment credits reflected on your next statement. Because of this, your statement may not correctly reflect your next payment due date.

- To verify payment information, including your next payment due date, sign on to your account at wellsfargo.com or call us at the number below. 

We're here to help If you have questions, please call us at XXXX, Monday - Thursday, XXXX XXXX to XXXX XXXX, Friday, XXXX XXXX XXXX XXXX., and Saturday, XXXXXXXX XXXX. to XXXXXXXX XXXX. Central Time. For customers with hearing or speech disabilities, we accept telecommunication relay service calls. 

Thank you. We appreciate your business. 

Wells Fargo Auto XXXX ( XX/XX/XXXX ) Wells Fargo Auto is a division of Wells Fargo Bank, N.A. All rights reserved. 


It is convenient and an interesting development when I am only four Auto Loan Payments away from paying off my Wells Fargo Auto Loan. What Wells Fargo is doing is deceptive business practices, I have all statements and receipts for my monthly Auto Loan Payments. Wells Fargo is incorrect, and all payments I have made towards my auto loan need to be honored ; in short, four payments remain. I am happy to file litigation against Wells Fargo with the help of my attorney. 

I look forward to hearing from both CFPB 's Offices and Wells Fargo, in writing via email or traditional mailing methods. 


Very Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX, Retired ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

They company XXXX XXXX emailed me a bill for services they say I received at the XXXX office that provided treatment to me. I have requested that an itemized billing statement be sent to me and of course I never received the requested info. I have no idea what this charge is for. The company XXXX XXXX also told me that they do not have an itemized billing statement that they send to their clients. I'm sure that is illegal if you are going to charge someone and report it to the credit bureaus..I have never received any documentation from Metro Collections the reporting entity. How I found out was being denied credit and requesting a copy of my credit report and researched the company. At this time my credit is being impacted and my score has dropped and being denied credit as well.
Product: Mortgage

We applied for a cash out refinance with Better Mortgage ( better.com ). The appraisal was delayed due to a lack of timely responses from Better Mortgage to our questions. We were granted a lock extension at no cost to accommodate this delay. We were also granted a subsequent no cost lock extension due to the company 's closure during the holidays. In XXXX on the day of closing we identified that the date on the documents was not correct, and were directed to not close as updated documents were needed. In order to generate the closing documents, we were told they need an updated payoff statement from our current lender. Updated closing documents were generated, however they included an unauthorized change to the loan amount and a decrease in the lender credits. We were also told that contrary to prior directions, we now needed to expeditiously obtain a replacement insurance policy as ours was not being renewed in XXXX. This has resulted in even more delays as it takes an up-to-date home inspection in Florida to get a quote. We contested the changes to the loan amount and lender credits and have been exchanging emails on such ever since. The closing disclosure was updated to include the correct loan amount ; however Better Mortgage insists that they are justified in decreasing the lender credits which they refer as lock extension fees. Better Mortgage has stated in email that these lock extension fees are justified as I chose to use my own title company, and the title company was responsible for the date error and initial closing delay. This is a violation of section 8 of RESPA ( Prohibition against kickbacks and unearned fees ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Info : Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get National Service Bureau to remove the collection they are reporting for {$870.00}. I had XXXX Medicaid at the time of the visit which was 100 % covered. I have contacted Medicaid and verified they payments were sent to the hospital. This account shouldn't have gone to collections. I have provided this information to National Service Bureau several times over the last year and they still refuse to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There two inquiry on my credit report that I dont recognize or wasnt made by me. 

Member ID XXXX Company XXXX XXXX personal loan companies XXXX. XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ut XXXX
Product: Money transfer, virtual currency, or money service

XXXX Unauthorized transactions had been made through my XXXX or XXXX XXXX account which is linked to my bank Wells Fargo Debit Card. XXXX XXXX XXXX Store XXXX for {$34.00}, XXXX XXXX XXXX  XXXX XXXX for {$20.00}, and XXXX XXXX store XXXX for {$30.00}. I filled a complaint to XXXX XXXX but was told they were unable to confirm fraud. I called my bank Wells Fargo to make a claim but was also denied. Was told by a specialist that the transaction was done through my digital wallet / contactless payment with my XXXX digit code. Wells Fargo workers can only go by information they have. They imply that I made those transactions but this is total fraud because I did not make those transactions. How could I when The XXXX store was closed. Also If I can use XXXX Location History I can prove that I was not at the XXXX store at those times the transactions was made. This is Total fraud and needs to be investigated more deeply. If scammers are getting away with my money they can also be scamming others. Thats just not right.
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding Equifaxs Failure to Properly Investigate Disputes To Whom It May Concern, I am filing this complaint against XXXX for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my multiple submissions of disputes, including supporting documentation, XXXX consistently responds within XXXX hours, claiming that the disputed accounts are accurate without providing any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes submitted by consumers. The rapid response timeframe, coupled with the lack of detailed findings or supporting evidence, demonstrates that XXXX is not conducting a substantive or meaningful review of the disputes. 

Furthermore, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceedings have highlighted the importance of adhering to the requirements set forth under these consumer protection laws. 

The following accounts are at issue in my disputes : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ] I am requesting the XXXX assistance to : XXXX. Ensure XXXX reinvestigates these disputes in compliance with the FCRA and XXXX. 
XXXX. Hold XXXX accountable for failing to perform reasonable investigations and for any potential violations of federal law. 
XXXX. Require XXXX to provide detailed findings of its investigations and make the necessary corrections to my credit report. 

XXXX failure to comply with these legal obligations has caused me unnecessary stress and potential harm to my credit standing. I request your prompt attention to this matter to protect my rights as a consumer. 

Thank you for addressing this issue.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint concerning an unauthorized hard inquiry conducted by XXXX XXXX Bank on XX/XX/year>. This inquiry was recorded on my credit report without my consent or approval. 

I have neither applied for credit nor engaged in any transactions with XXXX XXXX Bank that would justify a hard inquiry on my credit report. This unwarranted inquiry has adversely impacted my credit score and my financial reputation. 

Furthermore, I have included Identity Theft Affidavit # XXXX to substantiate my claim. 

I urge an immediate investigation into this issue and demand that XXXX XXXX Bank expunge the unauthorized inquiry from my credit report without delay. 

I appreciate your immediate attention to this matter. Should you need any additional information, please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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: Debt collection

My Attorney and I attempted to reach out to Procollect Inc regarding credit reporting after discharge. XXXX XXXX was extremely rude and of no help assisting this matter or transferring to supervisor or legal department.
Product: Debt collection

I am filing this complaint against Red Target LLC XXXX XXXX XXXX XXXX XXXX for their wrongful and abusive legal practices. The company has filed a lawsuit against my company, XXXX XXXX XXXX XXXX XXXX, in the Supreme Court XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of XXXX ( Index No. XXXX ), despite our contract explicitly stating that any legal action must be initiated in the XXXXXXXX XXXX XXXX 

Violations : Wrong Jurisdiction : The lawsuit was filed in XXXX XXXX, a jurisdiction with no connection to the contract, my residence, or the events in question. This filing is in direct violation of the terms of our contract, which mandates that any legal disputes be resolved in XXXX. 

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S. Code 1692i ( a ) ( 2 ) : The company violated the FDCPA by filing the lawsuit in a judicial district that is not the correct venue. The contract was signed in XXXX, and both my residence and business are located in Texas.

15 U.S. Code 1692d : The improper venue appears to be a deliberate attempt to harass and oppress by forcing my company to defend against a lawsuit in a distant and unrelated jurisdiction.

15 U.S. Code 1692e : The company made false and misleading representations by asserting that New York was the appropriate venue for this legal action.

Deceptive Trade Practices : Texas Business and Commerce Code 17.46 ( b ) : Filing the lawsuit in an improper jurisdiction appears to be a deceptive trade practice designed to pressure us into an unfair settlement.
Misrepresentation of Debt : The items claimed in the collections account were returned via XXXX, and therefore, no legitimate debt should exist. Despite this, Red Target LLC XXXX XXXX XXXX XXXX XXXX  has pursued legal action, falsely representing that my company owes this debt. This further exemplifies their intent to deceive and coerce us into payment for items that were returned and for which no outstanding balance should exist. 
Summary : Red Target LLC XXXXXXXX XXXX XXXX XXXX XXXX is using the judicial system in a manipulative and abusive manner, contrary to both federal and state laws. By filing in an incorrect jurisdiction and pursuing a debt that does not exist ( as the items in question were returned via XXXX ), they are intentionally increasing the legal burden and costs on my company, in what appears to be an attempt to coerce us into paying a disputed debt. These actions not only violate the FDCPA but also go against the ethical and legal standards expected of businesses in the debt collection industry. 

I request that the CFPB investigate this matter and take appropriate action to prevent further abuse by this company. Additionally, I seek any available remedies for the damages caused by this wrongful lawsuit, including the dismissal of the case and any applicable sanctions against Red Target LLC XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a request for information for an alleged debt XXXX XXXX is attempting to collect allegedly owed to DNF Associates.
Product: Mortgage

My mortgage was being serviced by XXXX XXXX XXXX All payments were made via automatic payment. It was transferred to CHASE home lending on XX/XX/XXXX. I received letters in the mail asking me to set up mortgage payments to CHASE on XX/XX/XXXX. I was told that if i had made a payment on XX/XX/XXXX to XXXX XXXX, the amount would be automatically transferred to CHASE. The letter also assured me that there were no late payment fees for 60 days as the mortgage servicing had changed hands. 

When i checked my bank account on XX/XX/XXXX, i noticed a mortgage payment to XXXX XXXX for the full monthly payment. Nonetheless, On XX/XX/XXXX, when i checked my bank account ( also with CHASE ), there was a second payment for the same mortgage monthly payment for XXXX. I did not authorize this payment. In fact, i discovered that I had been enrolled in " automatic payments '' by CHASE, without my consent, or even any notification. Finally, there was no way for me to stop the second payment online. 

On XX/XX/XXXX, when i called CHASE home lending ( XXXX ), the agent on the line told me it was my problem to call XXXX XXXX to get my money refunded. He made no mention of the fact that the CHASE letter explicitly says that any payment for XXXX made to XXXX XXXX would be automatically forwarded to CHASE. He further insisted that my bank accounts details were shared by XXXX XXXX with CHASE, and that alone authorized them to ( double ) charge my account for the monthly payment. 

Apparently, my consent is not needed to charge my account for ( a ) a monthly payment on which I am regular, and ( b ) by a servicing agent, CHASE home lending, to whom i did not release any information on my bank account, leave alone agree to have this automatic deduction. About the matter of the double payment of the monthly installment - the agent again told me it was my responsibility to get in touch with XXXX XXXX to get a refund. 

When i asked that this 2nd payment be stopped, the agent warned me several times that doing so would mean that I would be in default on my mortgage payment for XXXX. And that CHASE would report me to the credit agencies. I reminded the agent that the CHASE letter explicitly says that there is a 60 day grace period to iron out the problems with transferring payments. At that point he was forced to acknowledge that this was correct. He then again informed me that it was my responsibility to ensure that XXXX XXXX passes on my XXXX payment to CHASE. When i reminded him that XXXX XXXX is required to pass on my payment to CHASE, he conceded that this was correct as well. 

It is unscrupulous to charge my bank account without my consent. CHASE was only able to do so because of the coincidence that i bank with them. It is punitive to charge me 2 times for a mortgage monthly payment just because my loan servicing was bought out by CHASE. Finally, when i called CHASE home lending to settle this issue, an agent proceeded to threatened me that I would be defaulting on my mortgage payment if i did not agree to this double payment. This is predatory.
Product: Mortgage

Im writing to you today hoping you can stop the bank from taking my house. My troubles started back in 2009, when everything seemed to fall apart for me. My husband and I started divorce proceedings. Things wouldnt have gotten so far out of hand if I had received the payments that were awarded to me once the divorce was finalized. It took another four years, and his arrest to get this resolved. 

During this stressful time, I was battling medical issues of my own that made it impossible to work. As I recovered and started seeing income again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I had tried my best to keep up. When I did have money to give to the bank, they refused it, saying I needed to pay everything right then. When I said I couldnt pay that much money at once, Seterus said they would had an assistance program. I was provided a list of documents to submit, which I did. This is where things went really bad. My paperwork was lost, misplaced, etc. multiple times. I would talk to a different person every time I called in, and they would always offer to send me information Id never get. My application is sitting at Seterus Bank, and my mortgage is getting further and further behind.