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

n accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, -XXXX XXXX, Account number XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX, XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from Equifax ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from Equifax ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( Equifax, XXXX, and XXXX ) stating I had not received the ( 5 ) day  notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Mortgage

I have been trying to work with Wells Fargo for over a year on the short sale of a XXXX property.I have provided Wells Fargo with all requested documentation to process the short sale, and have a short sale offer on the property. Over the course of a year, Wells Fargo on several occasions has denied receiving documents despite documents being sent on multiple occasions. They have not returned phone calls, have taken actions, such as placing the home out of short sale and into foreclosure without explanation and refusal to give explanation, and have not explained essential information regarding their processes for the consumer and realtor. A short sale proceeding that could have been resolved by XX/XX/XXXX, continues. The latest report from Wells Fargo is that the short sale request is being reassigned to another negotiator in their liquidation department, with refusal to explain why the short sale is being reassigned. In addition Wells Fargo is again reporting they have missing documentation required to proceed with the process, despite it being provided previously to proceed with the short sale up to this point in time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report for TransUnion I noticed some credit inquiries that I did not authorize I recently found out through identical that I was a victim of identity theft from an XXXX data breach I provided a copy of my FTC report to remove these inquiries that I did not authorize I'm providing a list of the inquiries that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus Experian, XXXX  and XXXX  about the unverified account : XXXX XXXX acct # s XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. 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 about these 2 unverified accounts as of XX/XX/2020. Thank you
Product: Mortgage

My mortgage was sold to Freedom Mortgage and they offered to refinance to a lower rate, so I took the offer. From there, they were quite difficult to deal with. They do not answer their phones, return voicemails or emails, do not properly schedule closings ( scheduled and no-show ), and keep you on hold for hours/do n't call back with option for call back. If this is how they act before they get your money, imagine how they'll act when they already have it.
Product: Credit card

On XXXX XXXX 2016 I used JC Penney 's website to make an electronic payment of {$420.00} to my JC Penny credit card number using my XXXX XXXX XXXX checking account. This has never shown up on my JC Penney account. I have tried to work with both banks but Synchrony Bank, who handles the JC Penney credit card, still has not found the money that XXXX XXXX sent them. I forwarded detailed ACH information on the transfer provided by XXXX XXXX to Synchrony, but they still do n't seem to be able to find my money. Even worse they have not even responded to my recent faxes to them. With all of the detailed information provided by First Merit that clearly shows the transfer to Synchrony Bank/Penney 's went through, I do n't understand why they ca n't simply trace the payment and apply it to my account.
Product: Credit reporting, credit repair services, 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. 

XXXX  account # XXXX, has violated my rights. 

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 company calls me multiple times a day regarding a claimed debt. They call from different numbers over and over. I've been getting multiple calls from them since XX/XX/year>. Their phone number always starts with XXXX. They've called me up to 3 times a day on some days.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX 
Attorneys At Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX In XX/XX/XXXX, Said law firm, which operates as a debt collection agency, called our cell XXXX, numerous times asking for and leaving messages regarding an attempt to collect a debt in the name of XXXX XXXX. 

At this time, I called back informing them that there was no one here by that name, and to cease and desist calling per FDCPA 15 USC 1692, and the Collection Agency Act of Illinois. 

On or about XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX, with said law firm, again started calling and leaving voice messages for XXXX XXXX operating under supervision of the person who identified as DIR of OPERERATIONS XXXX XXXX in clear violation of the FDCPA and Collection Agency Act of Illinois. 
I can provide the voice recording upon request. 

When I called back the number provided by XXXX XXXX in voicemail ( XXXX ), and asked for a supervisor, I was shuffled around. I specifically asked the man on the other end who identified as a supervisor, If they were aware of the FDCPA, and specifically if they were a debt collector, or law firm trying to collect a debt on behalf of a debt collector. To this inquiry I was given no response. 

As a law firm specializing in debt collection practices, there is no excuse for the flagrant disregard for federal and state laws of which the staff of ARNOLD SCOTT HARRIS engaged in, or the deliberate attempt of his staff to conceal their identity and role in the illegal activities of what is an unethical attempt to prevent complaint filing.
Product: Credit card

Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive.
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

SELFXXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I wrote into THD ( Citibank NA ) on XX/XX/17 with the following request verbatim in their secure messaging system : Please limit my privacy options : Remove all sharing. Do not share or market my information with any third parties at all. This includes affiliates and non affiliates of Citi or THD.

Change my email settings to Service Contact Only. I do not want email offers.

Change all phone settings to Do Not Call.

Change my privacy to not receive any telemarketing offers by phone or mail.

Take me off any calling or mailing list please.

Thank you!

The response on XX/XX/17 was verbatim : As you requested, we have updated your privacy options. Your name may be included in marketing programs currently in progress, so please allow 30 days for all solicitations to cease.

Please let us know if we can be of further assistance.

This request has not been fulfilled. I am still receiving promotional emails every few days. I have saved all items sent after 30 days in my inbox. Currently I have 5 items received on or after XX/XX/17. The actual dates are XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, and XX/XX/17. I will continue to monitor as additional emails get received. This is a clear violation of my request and my privacy. I never received any promotional offers from THD prior to the issuance of this credit card
Product: Debt collection

Jefferson Capital has been made aware that they are reporting wrong information on my credit report. They are reporting as account an open and past due. As well as balance updated on XX/XX/year>. This is an infraction with the Fair Credit Act. This needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to demand the immediate correction of inaccurate information being reported on my consumer credit report regarding the XXXX XXXX account ending in XXXX. This account is being incorrectly reported as charged off, which is false and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which requires accurate reporting by furnishers of information to consumer reporting agencies. 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX regarding this account. In this complaint, I requested the 1099-C form typically issued for a charged-off account. However, as per the attached CFPB response from XXXX XXXX, the account was not discharged or settled but was instead sent to an outside collection agency. This directly contradicts the charged-off status currently reported on my credit file. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. The inaccurate reporting of this account as charged off is a clear violation of this standard. Furthermore, under 15 U.S. Code 1681i ( a ) ( 1 ), you are obligated to reinvestigate and correct any inaccurate information upon dispute. 

I demand that you immediately update my consumer report to reflect the correct status, as indicated by XXXX XXXX, and remove the erroneous charged-off notation. Failure to correct this error within the legally mandated timeframe will result in further action, including additional complaints with the CFPB and legal recourse under the FCRA. 

Additionally, please send me an updated copy of my credit report once the necessary corrections have been made. I expect confirmation of these changes and receipt of the updated report within 30 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian furnished this account to my credit report without my permission and without my knowledge. This account XXXX XXXX  Acct # XXXX was a banking account I had with the corporation XXXX XXXX. The account went into overdraft for X amount of days. I never gave XXXX XXXX my permission to furnish my banking information onto my credit report. How did Experian obtained this information. I did not give Experian permission to furnish my banking information onto my credit report. Experian has violated my consumer rights by violating my privacy and has stolen my identity. I disputed this information before and as of XX/XX/2022 this information remains on my credit report. Experian is in violation of 1681 ( a ), 1681 ( a ) ( 4 ), and 1681b ( 2 ) of the FCRA. Experian is also in violation of 15 U.S Code 1681q.
Product: Checking or savings account

I received an email from credit karma money updating their terms. My concern is that it mentions Updating our mandatory arbitration clause that forbids class actions and precludes you from suing in court or having a jury trial.
Product: Debt collection

Notice of case assignments for my filing demands for consumer arbitration with XXXX. 
To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. From : XXXX XXXX. Please take notice that on XX/XX/2023, I filed multiple comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX which have been assigned case numbers. XXXX was served on XX/XX/2023 with all my individual case filings and XXXX other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees. The arbitration cases relate to every XXXX account which has been assigned to you as a Debt Collector, Including your files with reference numbers XXXX and XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. I am confused that XXXX has assigned the same accounts to multiple law firms but some day XXXX may get its ducks in a row. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant. I strongly suggest that you promptly recommend to your client and get its approval to voluntarily dismiss all pending state court actions without prejudice to mitigate damages. Sincerely, XXXX XXXX
Product: Credit card

I am writing to dispute a charge of {$29.00} to my Wells Fargo XXXX  Credit Card XXXX on XX/XX/XXXX. The charge is in error because the due date is the XXXX of each month. Over the last 3 months, the Wells Fargo website has been deceptive and misleading after changes to new XXXX  Checking accounts are required to be open. How is it late on the XXXX if it's due on the XXXX? Mere stealing and price gouging from senior citizens. I spoke to a Wells Fargo employee on Monday, XX/XX/XXXX, Wells Fargo informed me my account was late and I needed to pay {$210.00}. What! I said -- this is a fraud! I couldnt be behind {$210.00}. My usual payment is XXXX dollars. I DID NOT AUTOPAY. I paid {$91.00} by clicking on Set up AUTOPAY! WELLS FARGO IS DEFRAUDING THE PUBLIC BY HAVING A SELECTION TO SET UP AUTOPAY- which IT AUTOMATIC MAKE PAYMENTS ONLY without CANCELATION! -IT DOES NOT CONFIRM AUTOPAY IS SET UP GIVING THE LEAD FOR WELLS FARGO TO CONTINUE MISLEAD THE PUBLIC WITH DECEPTIVE GOVERNMENT BAD BUSINESS PRACTICE! I tried again to set up AUTOPAY, IT TOOK {$120.00} THIS TIME WITHOUT CANCELATION AND NO AUTOPAY SET UP CONFIRMATION!

Fraud fraud fraud. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the SCREEN screenshot of the LATE PAYMENT on XX/XX/XXXX, AND XXXX ATTEMPT TO SET UP AUTO PAYMENTS BUT GOT {$210.00} DECUCTION FROM MY CHECKING ACCOUNT. {$210.00} WAS NOT DUE UNTIL XX/XX/XXXX! 
copies of SCREEN SHOTS supporting my position and experience. Please correct the error on my account promptly.
Product: Debt collection

Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a XXXX over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. Experian said this account were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX  and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
Product: Mortgage

My property taxes dropped in XXXX due to being XXXX due to a military service XXXX in Florida. As such my property taxes are no longer paid, what I now pay is {$700.00} annually ( Paid in XXXX 2015 ) for my XXXX XXXX XXXX assessment. My homeowners insurance is {$1000.00} ( Paid in XXXX 2015 ). Nationstar Mortgage is collecting XXXX monthly to cover the escrow. I have {$2800.00} in escrow, even though all insurance and taxes have been paid for 2015. Nationstar has refused to adjust the escrow account, nor refund the excess, as required by law. Please advice! Nationstar was notified in XXXX 2015 of the property taxes changes ...
Product: Credit card or prepaid card

Previously, I received emails from Credit Karma for pre-approved credit cards and when filling out the information and submitting it I was denied due to previous bankruptcy and a hard credit hit was on my account.
Product: Debt collection

I started receiving calls from XXXX XXXX in 2018. In XXXX 2018, I sent them a cease and desist letter indicating that they were to contact me via mail only. I have received a couple of calls from this year but always pushed them to voicemail. Picked up my line today to advise that they are not to call me. The collector on the other end of the phone repeatedly talked over and advised that I owe them money. I advised to send all notices and correspondence via writing and he continued to talk over me telling me that I owe them money and how do intend to resolve this matter. Their collectors are poorly trained and don't care that they are violating the FDRPA
Product: Credit card

On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  an XXXX company, XXXX XXXX, has violated my rights. 

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