23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I received a notice from Wilber & Associates, P.C. located in XXXXXXXX XXXX  dated XX/XX/2023 stating that a subrogation claim was passed to them from their client, XXXX XXXX XXXX XXXX  The notice states that they contacted my insurance carrier and were informed that I did not have an active insurance policy on the vehicle at the date of the incident. This is false information as my insurance carrier had no record of ever being contacted about the incident. I initially called the law firm 's number to get more details on XX/XX/2023 and spoke with a representative who was unable to provide any additional information. Ultimately, when I stated that I had an active policy and that I was not going to pay any claim within additional information, the representative became hostile and informed me that I was going to go to jail, be taken to court and forced to pay and further that they were going to mark my case as a refusal to pay and then abruptly hung up. 

I subsequently called my insurance company who tried to call the company but had a similar experience, they then reached out to XXXX XXXX XXXX XXXX who informed my insurance company that they had no record of ever attempting to file a claim on the matter or contact anyone. My insurance company established a claim with XXXX XXXX and is working through the normal process to issue payment. They additionally reached out to Wilber & Associates to inform them that the matter is being resolved directly with XXXX XXXX and to not contact me further on the matter. I have since, ( XX/XX/2023 ) received calls from Wilber & Associates demanding payment and stating that they have no records of any such resolution.
Product: Mortgage

In connection with my application to refinance an existing mortgage, Quicken Loans required my wife and I to complete an outdated and superseded version of IRS Form 4506-T, Request for Transcript of Tax Return. The version we were required to E-Sign on Quicken 's website, or download from the website, complete and return, is dated XX/XX/XXXX. That version of the Form includes in line 5a the name and address of a third party to which the tax return is to be mailed, XXXX, an agent of Quicken Loans. 

The current version of Form 4506-T is dated XX/XX/XXXX. It does not include line 5a or any line for entry of the name and address of a third party recipient. By way of explanation, the current Form includes the following note : " Effective XX/XX/XXXX, the IRS will mail tax transcript requests only to your [ i.e., the requesting taxpayer 's ] address of record. '' This change is further explained in the following note on page 2 of the Form : " What's New. As part of its ongoing efforts to protect taxpayer data, the Internal Revenue Service announced that in XX/XX/XXXX, it will stop all third-party mailings of requested transcripts. After this date masked Tax Transcripts will only be mailed to the taxpayer 's address of record. '' I asked Quicken in writing several times why it continues to use a superseded form. I finally received an answer by email on XX/XX/XXXX. The answer states in pertinent part that the outdated version of Form 4506-T " ... is the form we normally send to the IRS to request tax transcripts. We have not received any push back from them. If there are any issues with the form the IRS would certainly not provide the requested information. '' Quicken Loans should not be permitted to use a superseded IRS Form 4506-T in an attempt to circumvent IRS policy, which expressly prohibits the mailing of consumer tax returns to third parties. Moreover, if it does so, the IRS should not violate or ignore its own stated policies by mailing consumer tax returns to Quicken Loans or its agents. 

To be clear, I have no objection supplying Quicken Loans with a copy of my tax returns. Indeed, I have done so. My objection strictly pertains to Quicken Loans ' use of a superseded form to circumvent IRS rules and policies.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX XXXX XXXX XXXX XXXX XXXX XXXX  try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX [ XXXX ] willingly refunded {$2800.00} [ Ref # XXXX ] to my XXXX XXXX Bank of America [ BOFA ] Visa Credit Card # XXXX XXXX XXXX XXXX for air fair due to 4 canceled cruises. XXXX was unable to refund the {$2800.00} back to my debit card because it had expired, so they refunded it to my BOFA card because I had also used this card for some payments on multiple [ canceled ] cruises in XXXX. On XX/XX/XXXX, BOFA illegally and fraudulently removed this credit from my account stating XXXX had disputed the refund. Upon discussion with XXXX, the dispute was denied and the XXXX accounting department denied receiving the {$2800.00} refund from BOFA. " XXXX '' from XXXX spoke with a BOFA manager in XX/XX/XXXX and the XXXX accounting department remitted a letter to BOFA reiterating XXXX had not received the {$2800.00} refund and that BOFA had to refund the money to me. XXXX also testified they had not received the {$2800.00} refund from BOFA in XXXX case # XXXX and that BOFA had to refund the money to my Visa account. 
In addition, BOFA Credit Card Agreement with XXXX XXXX states if a dispute is not resolved within 45-90 days, then the money in question must be returned to my Visa. [ See p. 12-13 and p. 17 of two attachments. ] The dispute should have been resolved no later than XX/XX/XXXX but still was not resolved until XXXX when BOFA ruled against me in XX/XX/XXXX. In accordance to the credit card agreements, because they took 180 days instead of 90, BOFA must refund the {$2800.00} to my Visa ending in # XXXX immediately. 

On XX/XX/XXXX at XXXX XXXX, XXXX called me and and again confirmed they still had not received the {$2800.00}, Ref # XXXX. Waiting on exact details of contacts adn will remit 3rd letter from XXXX upon receipt.
Product: Credit reporting or other personal consumer reports

I tried reaching out to equifax by calling in, and logging in online.However, i had many issues with the website. My issue is two fold. Im asking for a removal of the unauthorized inquiries as well as unauthorized account. I attached my affidavit as well and listed the inquiries and account below that im disputing. 


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: Mortgage

XXXX XXXX servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( Seterus ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by XXXX for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/XXXX I went to XXXX to search for a used motor vehicle. In an effort to gauge my qualification for approval, I filled out the sites pre-approval form. The results stated that I was not pre-qualified. On Sunday XX/XX/XXXX at XXXX, I received an email stating that the dealership would reach out to me concerning my inquiry for per-approval. On Monday XX/XX/XXXX I received several notifications that a hard inquiry had been placed on my credit report from each of the major credit bureaus. I did not authorize XXXX XXXX XXXX XXXX to run a full application for auto financing, yet they took it upon themselves to do so anyway, I advised them that I would file a complaint if the hard inquiry was not removed and I have not received a response from them since doing so. The representative I feel may be responsible is the sales person by the name of XXXX XXXX who may be contacted at XXXX or by calling ( XXXX ) XXXX or ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries that I don't recognize on my credit report please delete
Product: Student loan

I have around {$110000.00} in debt due to Navient keeping putting me off without any help, except putting me in forbearance all these years.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

We purchased our lease from XXXX with a loan from WSFS bank on XX/XX/XXXX. We paid about XXXX in cash and financed XXXX with WSFS bank. Since this time the bank has failed to provide us with proper title, tags, and registration. We were told XX/XX/XXXX to register the vehicle using our old XXXX registration. The bank said that was acceptable. The bank said they never received the title. XXXX stated they sent it. In XXXX we followed up with emails and calls. They stated they were working on it and they would contact us when it was settled. We contacted them XX/XX/XXXX after not getting any information and told there was nothing done on the case. We were then told to contact XXXX for " sticker '' that should have been sent to us. We called XXXX and they nknew nothing about stickers and the bank never contacted them.nMay XXXX we were sent an email sending us to XXXX with copies of POA from XXXX. This is not acceptable per XXXX. We called XXXX again and they stated the bank has to request a duplicate which was never done. The bank has done nothing to rectify this issue. We are paying them for a service and they claim they can't do anything. They are the lien holder of the vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.
Product: Checking or savings account

I am a federal employee and was part of both the XXXX and XXXX XXXX breech. An account with PNC bank was opened using the name on both my XXXX file and XXXX XXXX file, which is my middle name and not my legal name. A debit card from PNC arrived and I called XXXX to report that I did not open this account. I was informed to file a police report and that PNC will close this account. I asked for an incident number and information on funds used to open this account and was told I will get a letter confirming the account closure.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers XXXX XXXX Employers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge card with XXXX Department Store. I check my credit weekly, because it's important to me. I checked today and XXXX XXXX XXXX XXXX charge card reported that I was late. They reported it to XXXX  on XX/XX/2020 and Experian on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my XXXX account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what XXXX XXXX department stores does to help it's customers during this!
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my Wells Fargo checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, Wells Fargo and I have settled in arbitration and Wells Fargo has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX. Wells Fargo failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX  XXXX XXXX and XXXX for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX due to the erroneous information furnished by Wells Fargo. 


Ironically, Wells Fargo opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXX XXXX. 


Due to being denied, I am missing out on the new account promotions for {$200.00} that XXXX  XXXX XXXX offers and the that XXXX offers. 


I am considering filing a suit against Wells Fargo for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and Wells Fargo has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that Wells Fargo sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that Wells Fargo was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX XXXX XXXX to open up an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.
Product: Checking or savings account

My account was showing $ XXXX and a check was deposited im my account. This is truly the practices found to be unlawful by CFPB examiners in the areas of deposits. I have a message that the check was deposited XXXX22 yet its not showing in XXXX account and not even in pending deposits and 2 items was returned and more NSF added to my account. I wrote about this early this week because I deposited the check sunday in the atm and was not credited the {$250.00}. my insurance dropped my coverage because the transaction was declined. They will not reinstate my policy and now I have to find new auto insurance and qouted a way higher amount. the 2 items that was return XX/XX/2020 addind late fees and negative credit reporting. This is a major issue, also taking the last money that I had in my account to make a small partial payment to a NFCU credit card and previously taking it from my daughters account. it happened again with my XXXX mobile phone payment it was returned and now my payment history will be affected and phone was be cut off. Charging a reconnect fee each line, NSF fee and late from XXXX and the fee from NFCU. So thats over {$100.00} or more in fees because of NFCU. Plus the other 4 payments that was returned. Utility bills and credit cards etc. Not just NFCU fees. This is a major issue that is affecting my life. Predatory practices with NFCU credit cards. Ive experienced abusive lending practices with my credit cards with NFCU. Payments made to the my credit card accounts for over 2 years barely affected the balance. Payments that are late, NFCU will take unauthorized funds from my XXXX accounts. NFCU also withdrew unauthorized funds from my XXXX XXXX XXXX daughter XXXX account to make a payment as well. My daughter is a minor and not a authorized user or account owner. While making payments to get the outstanding balances down, NFCU unknowingly closed my credit card accounts. I was unaware until a transaction was declined while I was purchasing with a merchant.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$1100.00} by an individual presenting an apartment for rent. It ended up being fake and the person stopped answering my calls and texts once I sent the money. I reported this to my bank. They opened a dispute that was then denied on XX/XX/year> stating " the payment was processed according to your payment instructions '', which doesn't make sense. I sent Payment as I was instructed by the scammer XXXX XXXX. I've requested my money back several times from this individual with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU 100000 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report on me from Experian has numerous errors and omissions. 

1. They show me as past due on a XXXX XXXX XXXX account, an account I never had. 

2. They say I have no background in real estate payments and that is a lie. 
I made mortgage payments for 13 years to XXXX XXXX from XXXX to XXXX. 
I have never been late with a rent payment to any landlord. 

3. They show an account with XXXX, something I never had. 

4. They omit my history of payments to XXXX XXXX, which are current
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a debt erroneously attributed to me by XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a reported balance of {$3300.00}, opened on XX/XX/2023. I have no recollection or record of any dealings or transactions with this company. 

This debt was brought to my attention through routine personal financial monitoring. I have not engaged in any agreements or services with XXXX XXXX XXXX XXXX XXXX, and I believe this is a case of mistaken identity or an administrative error. 

I request the Consumer Financial Protection Bureau to : 1. Provide a full verification of the claimed debt, including documentation showing any agreement or transaction under my name.

2. Conduct a thorough investigation into the records of XXXX XXXX XXXX XXXX XXXX related to this account. 
3. If this debt is confirmed as erroneous, ensure its removal from my credit report to avoid negative impact on my financial standing. 

I appreciate your attention to this urgent matter and look forward to a swift resolution and the clearing of my name from this unrecognized debt. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I was in a car accident XX/XX/year>. My car was towed to XXXX XXXX XXXX XXXX in XXXX XXXX Florida to be repaired. When I returned in XX/XX/year> they had not repaired my vehicle. I drove my vehicle back to XXXX, GA and XXXX my insurance company had me take my vehicle to XXXX XXXX XXXX XXXX XXXX  to repair it. The service manager at XXXX XXXX sent an email to XXXX XXXX of XXXX XXXX that they never touched my vehicle and had not done any repairs to my car at all. I do not owe any money to XXXX XXXX them as they adamantly admitted they had not performed any services to my vehicle. XXXX XXXX sent {$1000.00} collection request to Forest Recovery Services and has been trying to extort money for work they never performed.
Product: Money transfer, virtual currency, or money service

I have a complaint against XXXX XXXX, the owners of Cash App. While working on my back taxes at XXXX XXXX, we discovered multiple years of cryptocurrency buying and selling, as well as trading activity through the app. The amounts were never large enough for me to notice, and I can confirm I have not engaged in any trading. I was required to declare {$1200.00}, {$600.00}, and {$700.00} in income, totaling {$2500.00}. My tax representative explained that this was from trade profits related to the sale of cryptocurrency. I found this information on the IRS website, in my tax transcripts, while printing them out. There were about XXXX pages per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX XXXX XXXX are reporting an account as open when it is in FACT closed and included in a bankruptcy in XXXX of 2018. I have disputed this erroneous information and it keeps coming back verified. This account is severely dragging down my credit score. I have now been turned down for multiple loans and business credit that I desperately need to survive and feed my family because of this incorrect reporting.