23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete  audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of  this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit card

I disputed a fraudulent charge back in XXXX. The charge was removed and then was charged back on my card on XXXX without me knowing. I received a text message from XXXX about the charge in XXXX. I disputed the charge again and was advised by Caesars Rewards Visa to ignore the due date and not pay anything, it takes 90 days for the investigation. I begin receiving calls two weeks later Im past due and I continuously inform Caesars Rewards I was told to not pay because of the investigation. They told me to talk to account protection. I spoke to them and they said the charge went back on the card and advised me to speak with Merchant Dispute. After countless of attempts to speak with the department I spoke with Caesars Visa Customer Service Team. I explained the situation and they informed me Im PAST the date to dispute!!!!

I do not believe I should be penalized for a charge I 1 ) did not make and 2 ) was informed not to make any payments. Please help.
Product: Credit card or prepaid card

Received a credit card which I did not apply for from Comenity BankXXXX XXXX I immediately checked my credit report and noticed that someone had already charged XXXX on the card. It appears the card was opened by someone on or around XX/XX/2023. I contacted Comenity Bank on XX/XX/2023, which is the day I noticed the issue. The CSR at Comenity stated that they were starting an investigation. 

I also noted that on XX/XX/XXXX through XX/XX/2023, there were four hard inquiries for credit cards in my name. These inquiries were not instigated by me or anyone I know. The banks noted on these inquiries were, XXXX XXXX, XXXX, and two by Comenity. I called each of these banks and began a dispute on each. 

I contacted XXXX and reported the above information and requested a freeze on my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three disputes were submitted to Experian and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to Experian as well as XXXX and XXXX. This is pure fraud XXXX XXXX is committing and Experian rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XXXX, 2018 to get these particular items removed or I will have this particular attorney contact them.
Product: Mortgage

XXXX XXXX was the third party that arranged from disclosure to closing.Actually this is happened from the month of XX/XX/2016.From Lender the loan account and the Escrow account.when I tell XXXX to forward all documents to me, they dont send the documents.Its so much mean to ignoring me that matter! More than two years of hiding no response to my letter.Im so tired of that happened, this is not the first time I made that complained in the same company!
Product: Mortgage

My wife and I are in the process of buying a home. We were approached by BBVA Compass Bank and so we decided to apply for a loan with them. The complaint is that we have put in an offer on a home back on XX/XX/18 and on XX/XX/18 we heard from the underwriting department for the first time with a long list of requirements. This was 1 day before the original scheduled closing date. We gathered all of the information requested over the weekend and when everything was finally submitted we were told our tax transcripts were needed, so they requested them on XX/XX/18 I do not understand why they were not requested earlier in the approval process but this was the case. We were informed today that the tax transcripts were not received and the lender asked me if I could go request them myself. This is a step I myself had offered a week ago to speed up the process but was assured it was not necessary, clearly not the case. I have to travel to XXXX TX from XXXX TX on Thursday XX/XX/18 because this the soonest IRS could have an appointment for us. I received an email again today from the underwriting department requesting yet again all the documents that were requested on XX/XX/18 and already sent. VERY FRUSTRATING!!! 

Through out this process I have been sending countless unreturned emails and texts, left unanswered voicemails to the lending company and have had very little responses. I have requested to speak to a manager and the manager is also terrible about communicating, which he assured me he would stay in close contact with me. Both the loan office XXXX XXXX and the manager XXXX XXXX have accepted that the bank has never gone through a situation like this one and that everything that could go wrong has!! 

At this point my family and I are in a difficult living arrangement because of this situation, the sellers have moved out of the house and are in the airline business so the lack of communication to the realtors has frustrating for them too. My family and I do not know if we will get this house especially now since after multiple closing amendments signed by both parties ; the seller has given a final ultimatum of closing by XX/XX/18. It is now after XXXX and my lender has yet to communicate to the realtors if we will be closing by that date.Through out this entire process we have felt as our loan is nowhere on someones priority list.
Product: Credit reporting

I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXXXXXX XXXX XXXX  Subject : XXXX for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt.

The debt is validated to ensure that the reported information is complete and accurate.

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law.

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the colle

ctor must provide a written notice including : The total amount of the debt. The name of the original creditor. A statement indicating that the consumer has 30 days to dispute the validity of the debt. If the consumer disputes the debt, the collector must provide written verification. If the debt is not properly validated, it can not be legally reported or collected.
Product: Debt collection

I have been trying to get a copy of the statement or bill since XXXX of XXXX. I was working on my credit report and noticed in XX/XX/XXXX there was a bill for Wakefield & Associates. I disputed it right away. It kept coming back so I called in XXXX of XXXX. They told me they were a collections company for a medical bill from XXXX XXXX 's for my daughter back in XXXX and they believed I had reached the insurance statute of limitations. My daughter insured during that time through government-provided insurance and I advised that I needed a copy of the bill because I was homeless at the time. Wakefield said they could not send me a copy f anything verifying the debt and I would have to reach out to XXXX XXXX 's. I reached out to XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX and they are denying me a copy of the bill because they sent it to the debt collection in XXXX. I can get this filed through my daughter 's insurance and pay the remaining balance, but I can not if no one will give me a copy of the bill.
Product: Debt collection

Greetings On XXXX XXXX, XXXX I purchased a gold coin from the XXXX XXXX online using my XXXX credit card. 
A package was delivered on XXXX XXXX, XXXX. I have a copy of the delivery verification from XXXX. However, when it was delivered the person ( my spouse ) who received the package claims that she did not sign for the package. She did receive the package though. The document that I have regarding the package does have a signature for the package but my spouse claims it is not her signature. 

The package remained unopened until I could set up an account with XXXX, a coin grading company. As soon as the XXXX account was established, I forwarded the package received from XXXX still unopened to them in Florida. Soon afterward I was contacted by a XXXX XXXX XXXX from XXXX ( XXXX ) informing me that the package I sent him was empty, there was no gold coin in the package sent from the XXXX XXXX. He verified this with photos and email contact. 

I was completely dumbfounded at this point. 

I contacted XXXXXXXX XXXX XXXX  to dispute the charge and apparently it was resolved quickly in XX/XX/XXXX in my favor though I don't remember receiving any confirmation of this. 

Within the past month now, XX/XX/XXXX, I have received notification from CBE Group regarding this episode claiming that I owe them {$3200.00}. as a debt to be paid. {$2400.00} for the coin and {$740.00} for administrative costs. 

I have contacted XXXX again regarding this manner over the past week and they claim that the dispute was resolved in XX/XX/XXXX in my favor. They also claim today that the XXXX XXXX admits fault regarding the transaction. They are sending me copies of the details ( I hope ) regarding the matter. It will take a few days to receive them. 

I have the option to dispute this transaction with CBE Group until XX/XX/XXXX. I do plan to do that but hope you can help guide me with options. Contacting anyone directly involves at least one hour of my time with any party involved; XXXX XXXX, XXXX, XXXX, CBE Group, or XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper inaccurate reporting.fraudulently XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting XXXX 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.
Product: Debt collection

VALIDATION LETTER Date : XX/XX/year> To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/year> regarding account XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate
Product: Debt collection

This company is collecting on a balance that was waived by XXXX XXXX. They have called me and multiple family members trying collect money. They make me give my date of birth and social security number without talking. They said that they will keep calling until I pay. The last rep mocked me and said the company didnt waive anything and that I just didnt pay.
Product: Vehicle loan or lease

I had additional fees added to my contract. A service contract which I never used was added in order to get the loan. I was told that the down payment was XXXX price then when I went to pick up the suv i was told that I had to pay more toward the down payment in order to drive off.
Product: Checking or savings account

For a full and properly formatted version of this complaint, I have attached a document titled SoFi CFPB Complaint that I urge the CFPB team to read first, even if just for the summary section. It explains the complaint, the incident, issues with SoFi, and describes the documents attached Please feel free to contact me at XXXX ( XXXX ) XXXX for any questions The following is the Summary of Complaint section from the full document Summary of Complaint : This complaint pertains to the following fraud dispute claim made with SoFi Bank ( SoFi ) : Dispute ticket # : XXXX made via phone on Tuesday XX/XX/XXXX The claim relates to 2 unauthorized, fraudulent transactions made using my stolen phone on XX/XX/XXXX amounting to {$5400.00} ( {$4700.00} + {$700.00} ). SoFi did not have the tools or staff available to prevent or stop the fraud, as Ill explain below, and the reporting of theft was only possible on XX/XX/XXXX, while the filing of a dispute was only possible on XX/XX/XXXX SoFi has currently fully restricted my account with no access to all my funds and refuses to lift the restriction until their investigation is complete by XX/XX/year>. In my view, SoFi is pushing all the risk and responsibility for their under-investment in debit card fraud division until they fully conclude the investigation, which I will be explaining in detail I kindly ask your help in lifting the restriction and urging SoFi to seek a fair and quick resolution to my case and issue a final refund I tried repeatedly to explain that this is a violation of CFPB policy to no avail, with no ability to escalate the matter to a US-based decisionmaker , as the back-office team is outsourced abroad and are unfamiliar with the CFPB and US laws The rest of the complaint ( in full version attached ) will provide details for the benefit of the teams at CFPB and SoFi about : - The fraud incident - Issues faced with SoFi - Currently available supporting documents and evidence
Product: Debt collection

I have been logging on to my student loan account at Nelnet to make my payment. I don't know my account # or user name and have been logging on by providing my ssn & dob. Now it won't recognize them and have been going online for several days now trying to make my payment. I tried the chat which is really just a ruse to get me to take advantage of services I do not want. The email feature won't let me communicate w/out an account number. I work in a XXXX XXXX myself and can not talk on the phone during the day and into the evening so my ability to make a call. Now I am late after working for some time now. 

I mention this because this is a grossly unnecessary problem and barrier created by the student loan companies that causes honest law abiding past students from being timely. I have been caught in these thickets of XXXX and obstruction by student loan services before including being put in default. These days when they WANT us to go online but make burdensome and obstructive. It is NOT a category of complaint on your website but I know from first hand experience this ensnarls thousands of students already having a hard time even affording payment and will never work off even the interest. Please do something to make student loan servicers truly easy to access not just trouble making cosmetic and difficult to access.
Product: Credit card

Wells Fargo mailed a credit card to the wrong address. As a result an unknown person obtained cash benefits from a Wells Fargo XXXX and a Wells Fargo ATM. Wells Fargo refuses to classify the transactions as XXXX, however they do admit that the card was in fact mailed to an address other than my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act