23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, American Express received my request for validation and Cease and Desist demand. Since then American Express has not properly responded to my request for Debt Validation pursuant to 15 USC 1692g. Attached down below is my original Cease and Desist demand to American Express which was delivered XX/XX/XXXX. 

Furthermore, American Express violated my Cease and Desist demand and proceeded to sell said alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX Proof is attached below. 

My legal team has stated this is clearly a violation of my Constitutional and Consumer rights. I have already contacted XXXX XXXX XXXX  XXXX and demanded a cease and desist via certified mail tracking # XXXX I have also sent a Fault in Dishonor Notice to CEO of American Express XXXX XXXX for failure of debt validation. Will be sending a default notice very soon if this harassment continues. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless XXXX XXXXXXXX XXXX XXXX XXXX wants to inform XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, Account XXXX XXXX XXXX XXXX, intends to invoke my remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late PENNYMAC LOAN SERVIC Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from XXXX in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''
Product: Bank account or service

We found Fraud transaction ( XX/XX/XXXX ) {$2300.00} on Business account of Chase bank. 
We did cliam ( # XXXX ) to Chase bank and they said they ca n't distpute because it 's already over XXXX hours. 

XXXX XXXX is take out the money from our account. 

The bleow information is for Fraud transaction. 
XXXX/XXXX/2015 {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID :XXXXThis is unahtorized transaction. 
How can we get back the money?
Product: Vehicle loan or lease

Chrysler Capital XXXX Repossessed My XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX. I Had An Arbitration Clause In The Contract Which Chrysler Capital Breached. In Tennessee, the law related to the right to repossess collateral under the Uniform Commercial Code ( UCC ) is governed by Article 9 of the UCC, specifically UCC 47-9-609. This section outlines the rules and procedures for a creditor to repossess collateral when a debtor defaults on a secured transaction.

According to Tennessee 's UCC 47-9-609, a creditor generally has the right to repossess collateral if the debtor has defaulted on the underlying obligation. However, having a lien on the collateral is a key requirement for the creditor to exercise the right to repossess. The creditor must have a security interest in the collateral, typically established through a security agreement or another means allowed under the UCC.

Therefore, in Tennessee, to repossess collateral under the UCC, the creditor must have a valid security interest or lien in the collateral as outlined in the UCC rules. It is essential for creditors to follow the proper procedures outlined in the UCC to repossess collateral lawfully and avoid potential legal challenges from debtors. In Particular, Inclearing deposits played a crucial role in the processing of auto loan payments affecting both lenders & borrowers. My auto home from Chrysler Corporation was {$53000.00} & Chrysler used the OC application form submitting it to the Federal Reserve Bank requesting {$350000.00}. Within a week and a half they received a check known as an inclearings deposit any amount of {$350000.00} made payable to my name. I Was never told about this particular deposit it seems that the operating circular number XXXX appendix XXXX of the Federal Reserve has an irrevocable power of attorney associated with it, I believe that the irrevocable power of attorney is unconscionable as a clause in our agreement. However the corporation should have adjusted the balance and reserve the remaining portion of the deposits to me.
Product: Debt collection

On XX/XX/2021 as a result of the Winter Storm, I scheduled a plumbing repair with XXXX XXXX XXXX. Due to the demand for service, the company conveyed that as a part of the scheduling I would need to " become a member '' and pay a portion of the charge upfront - **as a criteria for receiving service**. The upfront payment was submitted online. The plumber did not show to the appointment and upon contact to the company, they conveyed that the plumber did not have time to make the agreed appointment - and that they could schedule another appointment for an additional fee. Thus, no service was rendered, and the related charge for that service was disputed through the credit card company. Through an independent investigation, the credit card company confirmed the charge to be fraudulent and closed the dispute as resolved. 

Now, on XX/XX/XXXX I am receiving calls from a debt collector from Nelson Cruz and associates, who is prying for personal identifying information ( SSN ) and has indicated that the disputed fee has doubled. The only way to settle the debt is through a website requiring SSN credentials, then to " send a screenshot '' to close out the matter. 

This debt is fraudulent. This debt collection is extortive. I have patiently worked with both parties within reason, but I can not put myself at further risk by exposing my personal identifying information to unscrupulous disaster-profiteers.
Product: Mortgage

In XXXX of XXXX, Wells Fargo Bank offered a forbearance to customers due to the COVID-19 pandemic. My wife lost 100 % of her income as a XXXX XXXX due to the pandemic so we regrettably decided to take advantage of Wells Fargo 's program to defer 4 payments until the end of our mortgage repayment schedule. Everything was smooth for the 4 month forbearance and we began making regular monthly payments again XX/XX/XXXX. WF sent a notary to our home for us to sign off on the deferment of the payments. We completed this paperwork XX/XX/XXXX and were told that processing time due to high volume was 2-4 weeks. We continued to make payments only to realize via our online portal that the payments weren't being applied to our mortgage, but rather sitting as " unapplied funds. '' At the direction of WF customer service, we authorized these payments to be applied to the mortgage balance. Each time a representative applied the funds, a couple days later WF would reverse the payments. This has occurred every month since XXXX, now nearly 6 months later. My wife and I have now made more than 3 dozen calls to WF spending over 4 hours of our time trying to straighten this out. The claim has been escalated to the " Executive Office '' with the only explanation to us being that there is a " system issue '' with the settlement department. We've been told numerous times that the problem was nearing resolution, only to be deferred further. Our most recent contact XX/XX/XXXX, WF once again deferred resolution until XX/XX/XXXX. We need a resolution to this issue before then, as our account is now reflecting 4 months delinquent, despite our monthly payments being made.
Product: Debt collection

The provider is XXXX and XXXX XXXX. They billed incorrectly as XXXX is primary XXXX  secondary. I called them and told them but they still sent me to collection XXXX paid {$150.00} on XX/XX/XXXX which was accepted by provider. XXXX paid the remaining contract amount of {$37.00} on XX/XX/XXXX. I appealed this debt as it is paid.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding inaccurate reporting of late payments from XXXX XXXX XXXX  on my credit report for account XXXX. According to Equifax 's records, I have been marked as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX However, I believe this to be a billing error and wish to contest these claims. 

As per the Fair Credit Billing Act, creditors are required to send billing statements at least 21 days before the due date. I did not receive any billing statements from XXXX XXXX XXXX for the aforementioned months within this timeframe. Therefore, I contend that the reported late payments are invalid. 

I kindly request that Equifax provide evidence to support their claim that I received the billing statements at least 21 days prior to the due dates. Specifically, I ask for a copy of the certified receipt with my signature acknowledging receipt of the statements. Without such evidence, the reported late payments should be updated to paid on time on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I would like to emphasize that this discrepancy not only damages my credit score but also violates my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666 ( b ). 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. Please keep me informed of any developments regarding my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : XXXX
Product: Checking or savings account

I called them because they have been over drafting me for years. My money has gone missing multiple times when Ive had the money in account. I currently owe a car insurance because I made a payment with my debit card and checking an account and the car insurance says they didnt receive it but Wells Fargo says they did. They tell me they cant disclose any information and Ive been banking with them since 2015.
Product: Debt collection

We have reason to believe that National Credit Adjusters LLC are in violation of the FDCPA and FCRA. Please cease and desist all communications regarding the negative account reporting from this company to the consumer credit report linked to XXXX XXXX, social security number ending in XXXX ; and delete this item from reporting to this credit profile as a privacy request under the GLBA/Regulation P of the CFPB.
Product: Debt collection

Date : XXXX -- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX Capital One/Walmart P. O.Box XXXX XXXX XXXX XXXX UT XXXX XXXX Date : open : XXXX Amount : {$390.00} Account No. XXXX I demand this debt to be taken off my credit like they said they would. It's not mine and if it's not off I will file a complaint with Attorney General '' s.
Product: Credit card

On XX/XX/24 I attempt to make a transaction for {$3300.00} via XXXX XXXX while on vacation in XXXX XXXX at the XXXX store. Card was declined. Call the XXXX XXXX merchant after going through verification I was told I would receive a call back to verify phone number, no one ever called me back as Im in the middle of transaction at the XXXX store. I called back again was referred to call the fraud department. Identification was verified by acct #, social Security number, address and date of birth. I have not yet received my physical XXXX XXXX card since I just applied for it on XX/XX/24 currently waiting for it in the mail, I was not able to verify the full card only last XXXX digit of the card, however I do have a chase checking, saving and credit card so my checking acct was given. All chase agents ask for my number but never called back. I called again numerous times after speaking to several agents being rude and not willing to hear my concern. Finally, XXXX lady was more helpful than others and reassured me she would expedited my call to be return today due to me being on vacation and not being able to utilize my card. When a call was return the chase agent would say the same thing that the previous lady said, which is someone would call me today. No one called Im currently stuck in XXXX XXXX with no access to my chase acct that has my checking, saving and credit card linked. Ive express how imperative this situation needs to be handled due to me being away from my residence without any other means. I cant not express the disappointment I have been through today I have made a total of XXXX calls without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is in violation of 15 USC 1681 e subsection ( b ) of the Fair Credit Reporting act. LexisNexis continues to provide false and inaccurate information to the credit bureaus in reference to a Bankruptcy that they falsely claim to have verified. On XXXXXXXX XXXX I disputed information on my LexisNexis credit report that they maintain under my social security number. LexisNexis claimed to have verified the bankruptcy as being Report accurate, HOW CAN THIS BE when I provided proof from the court that the case number is INVALID. I also requested LexisNexis to provide me with documentation from the COURT with documentation bearing my signature, however they failed to do so. The following Bankruptcy needs to be deleted from my credit file immediately : XXXX XXXX XXXX XXXX : XXXX. I have also attached proof from pacer that the filing number is invalid.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with TransUnion, XXXX, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the

account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information. As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed. Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents. Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history. Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit. Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt. I appreciate your immediate attention to this matter and expect a response within 30 days. Please send all correspondence and proof related to this dispute to the above address. Thank you for your cooperation. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I checked my experian credit profile and I noticed an account that I do not recognize from XXXX and it is reporting as a collection. 
Acct # : XXXX Eversource I do not recall having a negative account with XXXX yet Experian is reporting this information and causing me harm and damage. My consumer rights o privacy are being violated according to the Fair Credit Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

I sent XXXX to somebody and money never got it and was told theres nothing they could do about it. Also was scammed and could never get my money back
Product: Mortgage

My Name is XXXX, I have been working with SPS on a short sale for more then a year, I also been writing complaints about that same amount of time, they ask for document 's I give them the asked for documents and by the time they are looked at, SPS needs more documents. as I keep going in the same circle with SPS not XXXX decision on the short sale has been made.it is now XX/XX/XXXX a new years, SPS is still asking for documents. my complaint is that SPS ca n't or wo n't complete the Short Sale Process, I have had a active buyer that is still waiting for a decision to be made, The purchase contract was submitted on XX/XX/XXXX, I started working with SPS in XX/XX/XXXX. 
I would like SPS to complete my SPS sale so I can move on. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After going to a XXXX  ( XXXX XXXX, XXXX XXXX, Ga for XXXX XXXX screening with insurance I received further bill after paying copay and more at the appt. I explained to Dr. office I had to go on XXXX because of illness and I would pay when I could as I had a stack of medical bills and was not able to work. Dr. turned XXXX bill over to Automated Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX. I took Automated Collection Services calls explained the situation and was making payments. Out of the blue with no warning they reported me to XXXX  as not paying debt and my credit score dropped 30 points. I was very upset and scared so I paid off the rest and reported complaint with XXXX. They said when they looked in to it because the debt was paid there was nothing they could do. They were rude and offered no type of resolution of how to repair my credit score. My credit score has not gone back up even though I paid the debt. Thats what I want at this point. I was working with Automated Collections Services Inc. to pay off debt and it is wrong they were able to damage my credit like this.
Product: Credit card

A deposit was made with Affirm on XX/XX/XXXX in which they are claiming they've issued a loan which was challenged pursuant to UCC 2-609. Affirm did not provide adequate assurance of performance and proceeded to present false and defaming information to the Consumer Reporting Agencies, eventually charging off the alleged loan and reporting that information as well. Not only is Affirm violating Privacy and Constitutional laws, they are also in violation of IRS tax codes, specifically 26 CFR 1.6050P-1. An opportunity was provided to Affirm on XX/XX/XXXX to rectify the situation with the Consumer Reporting Agencies in removing the false and defaming information from my persons Consumer Report and they have failed to do so ( documentation attached ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a rollover of a 401k to an IRA with the stated intent on taking a one time dispersement for a down payment on a home. I was sure to inform Wells Fargo of this purpose. I was told " a couple of weeks '' for the entire process to be completed. The IRA was created on XX/XX/2018. I promptly submitted the distribution form that same date at XXXX to the email XXXX as instructed with an expedite ticket number of XXXX. I was told it would be fully complete in 5-7 business days. I have had to make multiple calls with Wells Fargo agents unable to locate the form, unable to find the underlying account, and insisting I had to start the process over. In total, 10 calls have been made regarding this. On XX/XX/XXXX, at XXXX, I was instructed to resubmit the form to the same email above and it would be processed within 24 hours. This did not occur. In a call back to voicemail on XX/XX/2018, I was notified that in response to my inquiry they were unable to find any evidence of a submitted form. 

The continued delays, obfuscation, and inconsistent messages are materially interfering in my contractual obligations with the sellers of the home I seek to purchase. A closing date for the home has been delayed 3 times as a result of the incompetence and misdirection of Wells Fargo 's investment services team. This is my money. This should be a routine transaction that is common for 1st time home buyers. I insist they release my funds to me on an expedited basis. Any assistance in securing this result would be appreciated.