23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Earlier this year I received correspondence from Stillman Law Office, attempting to collect a debt for the amount of {$4800.00}, ( reference # XXXX ). A notice of Dispute and Demand for Validation and Proof of Claim per [ 15 USC sec. 1692 ] was sent to XXXX XXXX XXXX, XXXX XXXX. Included in the correspondence was a request to respond within 30 days of receipt. That correspondence was never answered, but I continue to receive more correspondences from said entity attempting to collect the debt. On XX/XX/year> a Conditional Acceptance Letter was sent to said individual ( Registered Mail No. XXXX XXXX XXXX XXXX ) which was received by Stillman Law Office on XX/XX/year> at XXXX XXXX. This correspondence also stipulated to be answer within 30 day of receipt, but was also ignored. Once again after failing to responded within specify time, I continue to receive additional correspondences attempting to collect said debt. On XX/XX/year> a Cease and Desist Letter was sent ( Registered Mail No. XXXX XXXX XXXX XXXX XXXX ) and was received by XX/XX/year> at XXXX XXXX. This correspondence also stipulated to be answered within 30 days of receipt, but no response was ever received. On XX/XX/year>, I receive yet another correspondence still attempting collect said debt.
Product: Checking or savings account

Hello! 
My names are : First name : XXXX Middle name : XXXX Last name : XXXX In 2021 year I opened a checking account with a debit card. Which I was receiving XXXX XXXX from XXXX XXXX XXXX. The account might be closed currently I have no idea. I called customer representative and he could not locate my account. 

I do not know the debit card number nor the checking account number. Because of that I do not have access to online banking nor bank statements. 

I did not have a XXXX so most likely you do not have it on file as well. 
Just in case my last 4 digit ssn are XXXX. 

My phone number is XXXX XXXX XXXX XXXX My email address is : XXXX The location I opened my account is located : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- COLLECTION ACCOUNT 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my account.
Product: Debt collection

On XX/XX/XXXX a derogatory mark was placed on my XXXX  account regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report
Product: Credit reporting

I have faxed and uploaded the letters to their web page that says for them to deleted the information they still have not removed the information. I have attached the letters I received and sent this information to Transunion also several times. 
1. XXXX / both should be deleted 2. XXXX / should be deleted
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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: Mortgage

Hello I am wanting to save my home. They have not worked with me on on foreclosure preventive options. I called to apply for a loan modification or any type of program to help me save my home to stop the foreclosure. No one has helped me, nor mailed me a letter or offered me any type of repayment plan or anything. I received a letter and text from a lady stating she bought my home then I got a reinstatement letter from Penny-Mac afterwards. I went down to the county records building and saw that they lady is attempting to change my deed to her name. I need help and the service they are giving me is not helping at all. I have XXXX and need help saving my home, stopping this foreclosure and eviction. 

History, I lost my job and contacted them after looking online for some assistance help. The lady I spoke with when I called told me that she would mail me some paperwork that I have never received. I called after some time and was told I was denied and would be mailed some more papers with options. I did not receive anything then. Then the next thing a strange lady came to my house and said that she had bought my house. No notices or anything was delivered or posted at my house. I was not aware of anything and no one is trying to help me save my home. When I call I get some one who is rude and dont want to help me. Now someone is saying I may have to move. I received a reinstatement letter after the lady came saying she is trying to buy my house. I contacted the records building and they told me that same lady was trying to change my deed to her name. Can someone please help me. My loan is currently with Penny Mac it was with XXXX XXXX XXXX so I dont even know what or who half the time. My loan number is XXXX. 

I need someone to help me to have the foreclosure process stopped and help saving my home. For myself to be reviewed for the programs that are out there to help me save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for XXXX years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Student loan

I contacted fed loan servicing the summer of XXXX requesting a refund of all payments paid during the pandemic. I was told to wait 30 days and I should have the refund. I contacted them again around XX/XX/XXXX and was told that the loan was transferred to XXXX. I was told that they sent the request to refund payments paid since XX/XX/XXXX when my loan was transferred. I requested a payment history. Fedloan said that they do not have it because they transferred everything, including my history. 
I contacted XXXX regarding the refund request and payment history. They told me they could not refund payments were paid prior to the transfer and they do not have the payment history. 
On or around XX/XX/XXXX, I again contacted XXXX. I was told that they did not have a refund request in their system and it would take 90 days. They sent a payment history, 4 of the 7 original loans. 
It is now XX/XX/XXXX and I continue to have unresolved problems with my servicers. I have yet to receive the refund of over $ XXXX owed to me, they have not sent a payment history for all 7 of the loans. Fed loan servicing is no longer in business & I have not received the student loan interest tax document for XXXX. Any help resolving these issues is greatly appreciated.
Product: Checking or savings account

I have been a long-standing Wells Fargo customer since the early XXXX, and my mother, and late grandmother were customers as wellmy grandmother for over 30 years, going back to the XXXX days .

Wells Fargo allowed repeated debit card transactions to go through on my account, despite multiple calls on record where I explicitly asked that my debit card be declined if there were insufficient funds. I was charged repeated {$35.00} overdraft feeseven for transactions as small as {$0.00}. These fees accumulated, and my account was eventually overdrawn by more than {$500.00}.

My motherwho was a co-holder on the accountpaid the entire balance. However, Wells Fargo closed our account and without any notice or communication, placed us both on an internal " bank abuse list '' via XXXX XXXX XXXX. 

We did not find out about this until we attempted to open an estate account for my grandmother after her passing. No one from Wells Fargo ever notified us by mail or otherwise about this damaging designation.

I am requesting the CFPB to investigate Wells Fargo for the following : Refusing to follow overdraft preferences after multiple verbal requests and recorded calls Continuing to charge overdraft fees unfairly Failing to notify customers of being reported to XXXX XXXX XXXX Placing customers on internal abuse lists without due process or resolution pathways This situation has harmed both my personal and financial reputation, and I would like this designation reversed, along with a formal explanation from Wells Fargo.
Product: Prepaid card

I purchased a {$350.00} Vanilla Gift card for a family member around XXXX XXXX. He was able to use it for XXXX days and then it was declined. I tried to obtain info online regarding what to do but the site told me to check again later. I called on XX/XX/XXXX to get assistance. They told me that the only thing they could suggest was that I add it to my wallet on my iphone. It did not work. We tried several times and it did not work ( it said card invalid contact provider ) They issued a claim number and told me that someone would call within XXXX hours to assist. No one ever called. I called again today XX/XX/XXXX. I was transferred to technical support who stated that I should try again to add it to wallet and that the card is valid from their end. Adding to wallet did not work. Representative said I don't know what to tell you try again another time there is nothing else we can do. I asked that they cancel it and send me a replacement and she said we can not do that you already used it before ( there is currently around XXXX left on the card ). I asked that they send a new card with the remaining balance. They said they can not help me that they will not send a replacement and that I can try adding to XXXX wallet. That also does not work. Essentially they refuse to help me. I asked to speak to a supervisor and was told that she was the highest level possible to speak to and that they can not help me but I can try to keep using or adding the card in the hopes that eventually it will work
Product: Mortgage

I started a refinance application with Loan Depot nearly 6 months ago and the loan still has not closed. My income and DTI to cover this mortgage is at least 5:1 minimum and my credit score is well above average. I've given them everything they have asked for in a timely manner, and they have made numerous errors at nearly every step. They have tried to look for multiple ways to deny my loan, but every time I give them the information they needed, they come up with another excuse. They have admitted to mistakes and promised to close on this loan for past two months, but this is outrageous. I highly suspect some form of discrimination, because two people I personally know closed on loans within 30-45 days of submitting information. I know I have higher income/reserves/credit than any of these people so something is highly suspicious. I would like this matter looked into ASAP. Documentation you need I'll be happy to provide.
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX 17. XXXX 18. Inquiries Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Debt collection

When you send the validation letter, please provide to me what i request for the start of this whole mess. 
1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt.

5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws THANK YOU
Product: Checking or savings account

XX/XX/2020. I begin noticing, during this pandemic, that I was having money taken from my accounts from different lenders, but also it was appearing Wells Fargo was taking advantage of those of us who do t check our statements often. 
I checked my statements for the past 9 months and have had to dispute fraud charges XXXX months .But recently Wells Fargo began charging me.a monthly service charge of XXXX, for the account which was stated in contract and verbally, that if you had direct deposit of more than XXXX you were exempt from service charges. 
I mentioned this to Wells Fargo and 4 such employees mentioned that the direct deposit had to be put in the checking account, not savings as I had been. 
I quickly Reminded then that the contract I signed said nothing of mandatory checking deposit .After hours on theogony and a visit to the branch manager, they removed the charges .I have been treated poorly, disrespectful, rushed by Wells Fargo employees throughout this process .Meanwhile XXXX has disappeared from my account.I kindly mentioned that I would be contacting more authoritative and skilled people to address these issues.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I went to XXXX # XXXX to ask for the service of send money to another country. XXXX offered me the service using Money Gram. 
I provide the recipient 's information requested for an account deposit, including name, location, bank and account number. 
XXXXMoney Gram promised me that the recipient will have the deposit by XX/XX/2023. 
I provide my identification and confirm the recipient information. 
I sent {$500.00} and XXXX charge me {$8.00} transfer amount. Total XXXX charge me {$500.00} cash. 
XX/XX/2023 I contacted the recipient to let her know about the transaction. 
XX/XX/2023 recipient did not see the deposit in her account. 
XX/XX/2023 I call Money Gram ( XXXX ) to ask for information about the money because the recipient has not received that in the bank account provided. Someone with Money Gram told me that the money is not longer with Money Gram but they don't know where is it and they open a case. 
XX/XX/2023 The recipient has not received the deposit in the bank account. I call Money Gram asking for any information but who took my call said that they don't know where is my money but there is a department working on mi case. I ask for an email or phone number to get comunication but this information was denied as well. 
XX/XX/2023 I'm filling this complaint. 
Reference number XXXX Case number XXXX
Product: Credit reporting

This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date.
Product: Credit card or prepaid card

American express Serve has recieved a refund on XX/XX/XXXX Form a returned item i purchased. They immidietly placed a hold on the funds " for review '' i habe made several.attempts to try and find out why my fund are XXXX XXXX and what exactly what is being reviewed but their customer service agents keep lying saying the amount in my Transaction history with a + sign in green and a Transaction ID is not actually a transacaction but a notification Form the merchant giving them a heads up that a refund is coming their way. Ive reasoned with them but none of them want to damit that my crdit has XXXX recieved therefore i can not have my issues addressed. Ive wasred hours and im fed up because theyve Been getting paid to waste my time while i cant even usw my money to buy food for me and my sibling which is why i returned thebitem. Why are my funds still in hold and in what type oft account are they Held in, is interest accrued while in this account before XXXX released back to me? All we had left was rice and it is now gone. Your Speers response is appreciated.
Product: Debt collection

i dont know where all this debt came from i dont own that much of money i know i own debt but that 's too much And these keep reporting to my credit know when i try to get credit card they denied me because of that. i am trying to build up my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding incorrect items reported on my credit report. It has taken over 30 days and I haven't received any investigation results.
Product: Debt collection

Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item. 

First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.