23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I currently have an arbitration case against Wells Fargo Bank because a Wells Fargo Representative called me stupid over the phone because I asked a lot of questions in XXXX of XXXX. I asked why she called me stupid, and she told me that I was not understanding her. I asked to speak to her manager. I told him all about her calling me stupid. I have been communicating with some of the lawyers who represent Wells Fargo, but they are shady and can not be trusted. I sent them a letter that I received from who I believe is the individual I spoke to concerning the Representative calling me stupid, and they concoct a bogus audio to try and prove that the letter was in regards to a loan. I have a copy of the fixed audio and the letter. In the audio the made me say that I have taken out loans with Wells Fargo in the past and paid them off. Wells Fargo has never given me a loan, and I would never lie to loan officer to disqualify me for a loan. I would like to forward the audio and the letter, but I need an email address. I know you all have the capabilities to detect when audios have been altered. 

On another occasion, a Wells Fargo Representative took money from my account without my authorization. The Wells Fargo Attorneys did not give me enough of my account information to fight my case. They only gave me what would not help me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be fradulent due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect for the insurance company USAA. I sold a vehicle and 6 months later the new owner was involved in a XXXX XXXX XXXX XXXX XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with USAA and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of USAA trying to collect a debt I don't have anything to do with? The current collection agency is XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. These creditors did not have permissible purpose to pull my credit and I would like an investigation into the following : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX via XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Barclaycard with XXXX XXXX expects their card holders to send them a wire transfer through XXXX XXXX to pay their bill. Or give them their banking account information. I was always taught that wire transfers are extremely unsafe. Secondly, why am I being denied the option to use my debit/credit card to pay my bill since it has many fraud protections attached to that form of payment. How can it be legal for XXXX XXXX to only allow XXXX methods of payment that may result in identity theft or fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank continues report inaccurate information on my report, the report states that I closed these accounts which is not true.I received a letter that the store was going out of business so I personally reached out to them to try and settle or come to some kind of agreement that is reasonable due to the pandemic and now only having one income. The declined my offer and continues to report outrageous late fees every month which is hurting my score and keeping me from getting a more affordable home for my kids. The credit limit for the XXXX XXXX card was only {$200.00} but the balance is now {$610.00} due to my fees.

And the other 2 cards are reporting but shows no balance due and they refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX
Product: Debt collection

I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street  person. Now the creditors have sold the debt to blood XXXX  Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS PORTFOLIO RECOVERY ASSOCIATES, LLC. the owner is a XXXX XXXX coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to XXXX  I should rest 8 hours a day. But how can I, they are relentless, evil  bloodhounds never stopping.
Product: Vehicle loan or lease

I got a auto loan for a car at 17 % interest..as the months passed into years I noticed my balance is still almost the same as when I first got the loan. I come to find out Im being charged daily interest and at this rate it will be impossible to pay off the loan. They tricked me into a Auto loan that is impossible to pay off
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my TransUnion and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call TransUnion. 
I called TransUnion, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them TransUnion said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at TransUnion and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call TransUnion again. 
I called TransUnion, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what TransUnion said ( which is, not much ), and they said there's nothing they can do, it has to be solved by TransUnion. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled may report due to Equifax and XXXX data breached and saw an erroneous and inaccurate account. I have sent 3 letter and over 90 days later no response. I researched my rights and per FCRA 15 usc 1681 ( i ) all information being reported must be accurate. Which it s not and you are violating my rights as a US citizen.
Product: Credit card or prepaid card

I bought a power supply from XXXX XXXX with my Chase Credit Card because of all the alleged protection services, but I was n't able to return it to XXXX XXXX because they limit returns to 15 days. Chase offers protection for purchases for returns up to 90 days, so I contacted them. They told me to file a claim at their external website. So I did, after I did, it said It 'd take up to a week for them to respond. Two weeks passed, no response, so I emailed them, and they said 3 business days, yet still no response after 2 weeks. I called them, and they looked up my case and the rep was completely unhelpful. I asked how long it 'd take, it 's been a month, she said I do n't know. I asked for an ETA she said a week so I left it at that. It 's been an additional two months and they never reached out to me, never responded to my email, and nothing has been done. I looked up their return protection services online and it seems to be just a sham and false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the  FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX 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: Debt collection

XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$1500.00} Balance updated XXXX XXXX, 2021 This debt does not belong to me
Product: Credit card

XXXX XXXX XXXX  refuses to work with me. I have a financial hardship that has prevented me from making on-time payments. It's nothing new people not showing me any mercy or grace. Now they are sending me threatening voice mails. I have made a payment arrangement on XXXX. My payday is on XX/XX/. Not on XX/XX/. I can't help that. I don't get paid on the XXXX of the month.
Product: Mortgage

Good afternoon, I'm, unfortunately, contacting you again due to the fact that mr. Cooper is absolutely adamant about following deceptive business practices, as well as, breaking Federal lending and compliance guidelines. 

The most recent effort, on their behalf, to send our home to sale is that they've refused to even review documentation for our requested loan modification. 

Mr. Cooper claims that the documentation was not received within 37 days prior to the XX/XX/XXXX sale date. However if you look at the email confirmation attachment, the documentation was marked as received on XX/XX/XXXX. Which is 38 days prior to sale. 

This is just another attempt in a long line of attempts, by mr. Cooper to mislead us and perpetuate their deceptive business practices. Not only this, but I filed an additional complaint with the Illinois Attorney General on XX/XX/XXXX, regarding the multiple requests that we've made to have specific questions answered by mr. Cooper. They are still actively reviewing this complaint and, by law, should have postponed this sale already. These are questions which they failed to respond to on numerous occasions and this is another example of how mr. Cooper does business.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Assistance : Stolen Vehicle and Unresolved Identity Theft To the Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply troubling and distressing situation involving identity theft, the unauthorized opening of a credit account, and the theft of my vehicle, a XXXX XXXX XXXX  XXXX, XXXX sedan. The owner of the auto repair shop responsible for the theft of my car is XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX, TX XXXX. 

The sequence of events that led to this situation is complex but rooted in the mishandling of my insurance package by my former employer, Saks Fifth Avenue. Upon being hired, I received my insurance package after 31 days, well after the enrollment window had closed, and they subsequently filed a report to rectify this. In the process, they also contacted the insurance to open a new window to allow for the inclusion of my package. However, during my employment, I applied for a Capital One XXXX XXXX XXXX credit card to obtain my employee discount, only to discover unauthorized activity related to my personal information. This led to the theft of my car from the Saks Fifth Avenue employee parking lot. 

I believe that this situation may involve individuals connected to Saks Fifth Avenue, including the general manager, XXXX XXXX, the HR representative, XXXX XXXX, and a manager, XXXX XXXX. I also noticed that an unauthorized Capital One XXXX XXXX XXXX account had been opened under my name, causing significant damage to my credit. 

Despite reporting this to the police ( report XXXX : XXXX ), I am still awaiting resolution. The complexity and potential involvement of various parties in this situation have made it incredibly challenging to regain control over my identity and retrieve my stolen vehicle. 

I urgently seek your assistance in resolving this matter, ensuring the return of my stolen car, and restoring my financial well-being, which has been severely affected by the unauthorized credit account. Any help you can provide in this regard would be greatly appreciated. 

Thank you for your immediate attention to this serious issue. 



[ XXXX XXXX ] [ XXXX ]
Product: Debt collection

On XX/XX/year>. I submitted a notice of dispute through the consumer reporting agencies because I was unaware of your collection agency or the collection account being furnished on my consumer report by your company. On, XXXX XXXX I received a response from my dispute XXXX XXXX verifying my dispute as accurate. 

Im disputing under the FDCPA because you failed to follow the proper procedures required under the FDCPA in order to legally collect on this alleged debt, I never received any initial communication from your company or my notice of debt contents in writing that was supposed to be provided to me which gives me 30 days to dispute the validity of the debt or any portion thereof before furnishing this collection on my consumer report Your company never gave me my right to dispute this debt before putting it on my credit report, which is a violation of section 809 of the FDCPA. If you believe your company did provide initial communication and send me this notice of debt contents. Im demanding receipt of notice ( proof of delivery ) of this statement pursuant to section 809 ( a ) ( 3 ) PRIOR TO the completion of this 30-day investigation. Please send proof to my address listed above. 





Additionally, your failed efforts to conduct a proper investigation to the disputed information with respect to the relevant information provided by the consumer also puts you in violation of FCRA. 







Let me be crystal clear I am NOT Requesting validation of debt. I am DEMANDING compliance of the FDCPA because you failed to provide me with a validation of debt letter PRIOR TOO furnishing this negative information on my consumer report. 




I am demanding immediate deletion of all Collection accounts that you furnished on my credit report without properly validating them I will give you 30 days from the day you receive this letter to be in compliance. 



Please see supporting documentation as it is a copy of my investigation results, I received from XXXX of your company verifying my disputed information as accurate and a copy of my credit report with the non-compliant accounts highlighted
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received the letter prepared on XX/XX/XXXX of XXXX, which asks me about my past banking account of XXXX  XXXX XXXX. Your letter indicates that I have two accounts with XXXX XXXX XXXX. I might have one checking account and one saving account ; however, it was the long time ago, before the outbreak of the Pandemic, I am not sure them. The dispute case ID is XXXX and account ending number is XXXX. Another case ID is XXXX and account ending number is XXXX. Since I am not sure what I should do with this bank, I will enclose the copy of document, which you prepared and will mail it to XXXX  XXXX headquarters addressed XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX, instead of the address your company provided ; since the address is meant for XXXX  XXXX XXXX not XXXX, ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MN XXXX : XXXX ), which I banked with. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry as fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This complaint is in reference to a XXXX XXXX procedure, first visit XX/XX/XXXX and was not completed properly by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX After several attempts to resolve the problem with XXXX XXXX XXXX, he notified me on XX/XX/XXXX that the dental office would not let him go back inside the office. 

I notified my insurance company, XXXX XXXX who gave me permission to another dentist to solve the problem. On XX/XX/XXXX I saw XXXX  XXXX XXXX who sent a letter to XXXX stating the XXXX   needed to be redone and both XXXX and XXXX  XXXX were clearly visible. I filed a grievance with XXXX 's Grievances and appeals Board, which was received on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond to the grievance and I was recently informed by XXXX that if they do not get a response in 6 months XXXX does not pursue the grievance. I thought the grievance was settled because as XX/XX/XXXX XXXX does not send out explanation of benefits if the patient has a XXXX   balance. I thought the dental office accepted the amount of money XXXX paid, which was {$360.00}. {$430.00} was the amount I was to pay. 

I found this information out when I applied for a credit card in my name from XXXX on XX/XX/XXXX, which was denied. 

I have reported this to the State of FL Department of Insurances, XXXX XXXX XXXX file # XXXX, to the Department of Agriculture, XXXX XXXX case # XXXX and the Office of Financial Regulation, XXXX complaint # XXXX who recommended I contact your office for additional help. I have also sent letters, Certified/Return Receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX and Capital Accounts LLC indicating I do not owe the {$430.00} because the dental work was never completed properly. 

Thanking you in advance and looking forward to hearing from you. 

Attachments : Dental Time Line, Letter from XXXX  XXXX, XXXX 's Explanation of Benefits, Lletters from XXXX 's Grievances and appeals Department, XXXX Report and letter I sent to XXXX XXXX XXXX XXXX  and letter cc to Capital Accounts LLC I unable to send the supporting documents because it it more the 10 MB. Please let me know if I can send them to an email address or mail. 
Thank you