23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing your claim and requesting validation of the alleged debt. Be advised, this request is not simply for verification of the debt or for proof of my mailing address ; it is a demand for full validation of the debt, requiring complete and competent evidence of your authority to collect on it. This includes, but is not limited to, the following : 1. Copies of all contracts, agreements, or assignments bearing my signature and evidencing my obligation to pay this debt. 2. Documented evidence of your legal assignment to collect this debt and any proof of the chain of custody if the debt was sold, transferred, or otherwise assigned. 3. Proof that the debt remains within the statute of limitations, as I am requesting confirmation that any collection actions on this debt are legally permissible. 4. Complete account payment history, including any fees or interest, to justify the balance you claim is owed. The court case XXXX XXXX XXXX XXXX XXXX underscores that debt collection agencies must prove the legitimacy of the debt and their right to collect it. Please ensure you provide all necessary evidence substantiating your claim in line with this precedent. Please be aware : if your office has reported any unvalidated information about this alleged debt to the credit bureaus ( XXXX, XXXX, or XXXX ), such action may be considered fraud under Federal and State law. Any negative mark associated with this debt, if found on my credit reports, may result in legal action against you and your client for violations of the Fair Credit Reporting Act, the FDCPA, and defamation of character. If the requested documentation is provided, I will require a minimum of 30 days to review and investigate this information thoroughly. All collection activities must cease during this period, and I request that no actions detrimental to my credit be taken. Reporting any unverified debt to a credit repository may lead me to pursue legal counsel for action against inaccurate or misleading information. Notice of Non-Response Requirement : If your office fails to provide the requested validation within 30 days of receipt of this letter, you are required to cease collection activities and remove all references to this account from my credit file. Please confirm the deletion of this account with documentation sent to my address above. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Bank of America has allowed fraudulent account to be opened in my name I have contacted and called them but no help this account was opened on XX/XX/2016 it is reporting unauthorized and i am seeking litigation they have no proof of who the account actually belongs too. So i feel ignored of my rights to have it removed included I have my FTC report will be contacting the bureaus
Product: Credit card or prepaid card

I have a positive balance of {$7800.00} on my Apple credit card. On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.
Product: Mortgage

Fifth third bank erroneously applied home owners insurance during covid period and applied my regular monthly payment to my impound account. I provided proof that the insurance had, in fact cashed the check for my home owners policy. The check was " lost '' somewhere between the sender and insurance company, however, they did eventually cash it. I have made every payment on time. Fifth third refuses to credit back my account for placing their insurance policy on it and continues to say I was late on my monthly payments when in fact, all payments were made on time. I want the credit report corrected to reflect all payments were current. I have never received a late charge on this account. I sent copy of front and back of insurance check showing it was cashed by insurance company as well as the policy declaration showing the dates of coverrages. They still refuse to refund me or update my credit report. They also refunded me my first payment on the loan saying " no account found '' which I then had to resend the check out. 
My title company sent them an additional check to cover the insurance that they erroneously placed until it could be sorted out and Fifth third sent me a XXXX check back for impound overages???
Product: Mortgage

I started the request for assistance in in XXXX, and signed the move forward loss mitigation program agreement onXX/XX/XXXX ( see copy attached ) to continue the process. I completed my Trial Payments and then followed the Final Modification Agreement with the Approval Letter dated XX/XX/XXXX ( see attached ) Upon receipt of the Final Agreement I signed it had it notarized as required. I called Selene and asked what was the quickest way to get the documents back to them and I was told I could do one of three things ; Fax it, Scan and email it, or send it my mail. In order for them to receive it immediately, I scanned and emailed, never once was I told that I still had to mail in the original documents. This is the issue : After the emailed documents were accepted I started to pay the amount of payment as modified {$800.00} and I have been paying this amount since XX/XX/XXXX. I have not missed one payment all have been on time ( see XXXX XXXX XXXX. statement attached ). So for almost a full year no one had ever told me that my original documents were still needed and they kept accepting the modified payments. Two weeks ago I receive a letter dated XX/XX/XXXX that my modification has been cancelled due to original Modification agreement not being sent in to Selene. If this was an issue WHY did they not tell me sooner that the end of XX/XX/XXXX? this is a complete error on their part. Now, I have a foreclosure date of XX/XX/XXXX due to them stating I am now behind on my payments. Again, I ask WHY NOW??? they had so much time to let me know as I have talked to so many Selene Financial Reps and no one ever said the emailed copies were not sufficient. I can not believe I am losing my house due to SELENE 'S error. Please help this is unacceptable. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit reporting or other personal consumer reports

Someone stole my identity at Huntington bank and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.
Product: Mortgage

My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...
Product: Mortgage

since XX/XX/XXXX I have been paying XXXX precent intrest on a loan where the property is not worth half of what the value of the loan since XX/XX/XXXX everybody has gotten a intrest break but I have tried but no luck
Product: Credit card

I canceled an annual subscription to the XXXX XXXX app before its renewal date but was still charged by the company on my credit card. When I disputed this transaction, my credit card company denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX case which is stated to be closed. However, I have not had any resolution with Lexis nexis. I have requested Lexis Nexis to correct my report. Currently my data is combined with another individual. I am XXXX XXXX XXXX from XXXX Ohio, XXXX XX/XX/XXXX SS ending XXXX. My report is combined with XXXX XXXX XXXX of Oklahoma. completely separate SS #. This is the third request. I do not feel that it is that difficult to have this corrected. Lexis nexis sent a letter XX/XX/XXXX stating could take up to 60 days and it is now past that period. This matter is NOT CLOSED and NOT COMPLETED to my satisfaction.
Product: Credit card or prepaid card

Fraudulent charge of {$920.00} was made on XX/XX/2021 to a Citi card previously held by me. I reported the fraud to Citi on XX/XX/2021. Citi cancelled the card on which the fraudulent charge was made and issued a new one but moved the fraudulent charge to the newly issued card. I received a letter dated XX/XX/2021 stating that my account had been credited and would be reversed in 2 business days. To date, Citi has failed to credit the account and remove the charge. Furthermore, they have assessed late fees and finance charges ( and continue ) on the fraudulent charge amount disputed and reported me as a delinquent account to credit agencies. To date, Citi has failed to resolve and remove the fraudulent charge and all related charges from my account. They have also failed to retract their erroneous reporting regarding my account to the credit agencies. To date, they continue their threatening attempts to coerce me into paying the fraudulent charge and related amounts charged to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. please update an remove all invalid data.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to me
Product: Credit reporting or other personal consumer reports

Below is a copy of the correspondence sent to Wells Fargo. 

Customer Service Department Wells Fargo : I am writing to address a matter of significant concern regarding my account with Wells Fargo. It has come to my attention that unauthorized activities have occurred on my account, including enrollment in various banking products without my explicit consent continues. 

I want to stress that I did not authorize Wells Fargo or any of its partners to monitor my credit, share my information with other entities, or enroll me in any additional services. It is deeply troubling to discover that my privacy and autonomy have been compromised in such a manner. 

I continue to receive notifications about changes to my account. This ongoing breach of trust has caused me significant distress and inconvenience. I recalled years back both my daughter and I received notification regarding a XXXX XXXX XXXX, and submitted a claim, but never received information on its resolution. 

I am aware of the XXXX XXXX XXXX XXXX XXXX and believe that both myself and daughter ( I was co-owner on her acct ) are eligible for compensation as a result of the unauthorized activities that have occurred on the accounts. I have been a customer of Wells Fargo for over 20 years. 

I am formally requesting that Wells Fargo take immediate action to rectify this situation and provide me with the compensation that I believe I am entitled to under the XXXX XXXX XXXX XXXX XXXX, and immediately cease XXXX XXXX XXXX. 

I trust that Wells Fargo will handle this matter with the urgency and seriousness it deserves. I look forward to receiving confirmation that my concerns have been acknowledged and addressed promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.
Product: Payday loan, title loan, personal loan, or advance loan

The banker misapplied my payment of {$990.00} to a Credit Card account on the first day the bank regained power and reopened after XXXX [ the local hurricane ]. The Personal Loan is now delinquent or in default because of the misapplication of that check ( XXXX ) that has cleared my checking account at another financial institution. The Credit Card was also paid in full that same date in the sum of {$3800.00}.
Product: Credit card

They changed the type of credit card form a low interest rate to a higher rate card with out my approval. When I asked about it I was told that it was too lat to change it back. The person that changed it was a teller WITHOUT my consent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my corners regarding Zelle 's handing of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my clams adequately. They informed me that recovering lost funds was impossible and that tracking these transactions and unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I can not count the number of times now that I have been lied to by various agents on the phone nor does ANYONE at the company seem to be able to follow simple instructions. 

All past issues withheld, on XX/XX/XXXX, SLS received the completed, updated BPO ( it  showing online in my account documents under " loan and tax documents '' ). This BPO ( that was requested by SLS ) shows that my home value exceeds threshold for PMI removal. Despite ALREADY signing documents for PMI, I called in early XXXX to confirm the PMI would be removed. The agent stated yes, it would be removed. 

I called back a few days later to confirm, another agent stated she didn't see the request for PMI and the system to request PMI was down, but she would email her manager to make sure it was taken off. She stated to call back in a few days to confirm. 

I called back on XX/XX/XXXX to confirm the previous agents actions. She informed me that she didn't see any requests to have the PMI removed, but that she sees the documents, and my account would have the PMI removed. She too suggested calling back to confirm. 

On XX/XX/XXXX, I spoke with an agent who stated she sees the request, but they are needing us to fill out a form to request a BPO! This document was sent in to SLS in XXXX. The BPO was given to SLS on XX/XX/XXXX. She then proceeded to tell me the value is still at 85 %. 

How is it possible for NO ONE to see the other agents actions? 

I have attached to this complaint the BPO. It shows the home value at {$240000.00}. 80 % of that value is {$190000.00}. 

As of the time of this complaint my current mortgage balance is {$180000.00}. This is well below the threshold for PMI removal.
Product: Credit reporting

On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several companies have taken advantage of the recent pandemic and have put false negative items on my report. an energy company filed a collection in XX/XX/XXXX and a few other accounts. these are not even accounts i opened myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX several times about this account reporting on my transunion credit report and neither time could they find an account with my name but it 's still an account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX  XXXX XXXX Balance : {$110.00}
Product: Vehicle loan or lease

The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?
Product: Debt collection

To whom it may concern, After filing my first complaint with PRA through mail, experian, and the CFPB I still havent been able to resolve the issue of proving this debt belongs to me. In their last response to my complaint they said the mailed me letters in the mail that saying a deb that does not belong to me has been sold to them. I never recieved it. They replied that this debt is mine by listing an adress which incorrect and it is no where on my credit report stating that this address is accurate.They also said it is the responbility of XXXX XXXX  on what they reported to them. I contacted XXXX XXXX  as I have two credit cards with them curently active and in good standing. They have no records of these accounts, further more they have a strict policy that if I were in collections with a past card of theirs I would not be able to obtain new cards and even credit increases. This is further proof that this debt does not belong to me. After asking PRA to provide proof which should be easy to do if the debt is mine they told me they are not legally required to do so. They only inform of an incorrect address from XXXX  years ago and say that this debt is mine. They have not provided me witha contract that I have signed which bonds me to any form of angreement. They have only sent a screenshot with my last 4 of my social as well as an inaccurate address from a town I used to live in but it was not my accurate address which I explained in my letters i mailed to them. They have sent me over 30 letters stating I have a right to ask for proof that a debt iis mine but has not sent me the proof.