23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards XXXX XXXX XXXX
Product: Debt collection

In accordance with Law 15 USC 1692 C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also in accordance with law 15 USC 1692 D : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. This is considered harassment and abuse. I have told XXXX XXXX  that this was not my debt and it was done fraudulent, they did not do any investigation to determine if this debt was deemed legitimated. I also explained to XXXX XXXX  that I was a victim of identity theft. I have been harassed and bullied into paying a debt I am not responsible for. They have targeted my credit trying to scared me into paying a debt I am not responsible for. I have asked them to stop contacting me and they will not stop. this is a violation on my rights.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX THD/CBNA put in claim of {$1900.00} wasnt paid on my credit report and reduced my credit limit, in result of this I noticed I noticed I never open this account, it must been a account opened in XXXX XXXX breach. Also another account open in data breach was XXXX XXXX for the amount of {$3300.00}. Its listed at an addressed I never stayed before or received service of any kind. This is also the result of a data breach.
Product: Debt collection

The consumer is here to dispute any alleged claims that you are currently listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation.
Product: Credit reporting

I have been requesting verification of the following account that TransUnion continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent account ( secured card ) opened with USAA without my knowledge or authorization. USAA has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. USAA adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and USAA couldnt provide me with any evidence that shows I opened that account.
Product: Student loan

On XX/XX/XXXX ED Financial Services placed my loans in forbearance, but I have an IDR repayment plan set at XXXX XXXXXXXX. They are intentionally harming me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 my credit score was cut by Experian from XXXX to XXXX by Experian. They said I had an unpaid bill to XXXX for XXXX for my subscription to XXXX XXXXXXXX XXXX XXXX That magazine renews on XX/XX/XXXX and XXXX renewed on XX/XX/XXXX. I was not made aware of that. I paid the amount due on XX/XX/XXXX. I have been with Experian ever since. My credit stands at XXXX. I have XXXX credit card, a XXXX card from my bank XXXX XXXX. I pay it off every month. I do not carry over unpaid balances. I am not charged any interest on that account. I do not have balances which Experian alleges. XXXX XXXX will tell you I have no unpaid balances nor late payments. 
I believe that Experian characterizes me as not being able to manage my money but examining my financial record would reveal that I manage my money very well. 
I believe that XXXX believed I was only XXXX months late paying for that subscription. 
I would like to see Experian reduce my XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX and XX/XX/2017 there was fraudulent activity on an account I cloned with my minor daughter. There were fraudulent checks being written and cashed a file was claimed with the bank the bank in essence denied the claim closed the account and is now taking funds from my personal checking and savings accounts. A police report has been filed claims have been filed and the bank continues to remove funds from my account. My account has been overdrawn I've been charged in NSF fees in addition to being left with negative balance and no money to live on. I have received no assistance from the bank they attempted to return some NSF fees and in turn they turn around and took them right back to recover the debt. The amount in question is {$3000.00} removed from my checking and savings account and an approximate amount of {$400.00} - {$450.00} in NSF fees that were charged to my account leaving me with a negative balance.
Product: Checking or savings account

On XXXX, I was called by my bank, XXXX. I was advised to wire a large amount from my savings into a 'safety account ' at Chase bank XXXX I was told that I had to wire my funds because my savings account was being hacked due to fraud throughout XXXX. 
A couple hours after sending the wire I called XXXX  's fraud department and received the shocking news that I had been spoofed by impersonators into a push payment to a fraudulent/scammer 's account. The fraud department then told me that they would immediately issue a swift recall to Chase bank and open a fraud case to have Chase put a hold on the account with my funds. 

Because of the holiday, XXXX  bank contacted Chase on XXXX. We haven't heard anything from Chase and I am worried about the criminals having access to my funds. 
That day, prior to sending the wire I received an email from XXXX XXXX showing a debit from XXXX XXXX I called the XXXX billing phone number on the email and was told by a 'representative ', XXXX XXXX that my account had been hacked. 

A XXXX XXXX then called me from the XXXX XXXX department XXXX saying that XXXX contacted his department and that my saving account was hacked-accruing hidden charges amounting to XXXX and that I had to immediately store the potentially debited funds into another bank account at Chase bank for XXXX ' while XXXX  investigated the fraud. I heard the XXXX  prompting music when I was placed on hold so he could connect to 'FDIC XXXX. All very convincing, especially because I was under duress thinking that my savings account was in threat of being depleted. 

XXXX XXXX then told me that my phone was probably hacked too, and I was advised not to make any calls. He said for me to be able to gain access to the new 'safety account ' that I had to send a photo front/back of my state id to verify my identity.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unauthorized hard inquiries that have appeared on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), I did not authorize these inquiries, and my previous attempts to dispute them with Experian have been unsuccessful. 

What Happened : The following unauthorized hard inquiries were made on my Experian credit report : XXXX Inquiry Date : XX/XX/XXXX Experian Business Credit Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. Inquiry Date : XX/XX/XXXX Actions Taken : In XXXX and XX/XX/XXXX, I formally disputed these unauthorized inquiries online through Experians dispute process and also sent written disputes via U.S. Postal Service requesting their removal.

Despite my disputes, Experian has failed to remove these inquiries or provide valid documentation proving I authorized them.

Under the FCRA ( 15 U.S.C. 1681b ( c ) ), a hard inquiry should only be made with my explicit consent, which I did not provide for any of the above-listed entities.

The Consumer Financial Protection Bureau ( CFPB ) advises that consumers have the right to dispute inaccurate information and that credit bureaus must conduct a reasonable investigation. However, my disputes have not been adequately addressed.

Requested Resolution : I request that the CFPB investigate this matter and require Experian to : Provide documentation proving I authorized these inquiries.

If no authorization is provided, immediately remove the unauthorized inquiries from my credit report.

Ensure compliance with the FCRA and take appropriate action if Experian is failing to uphold its obligations.

I appreciate your assistance in resolving this matter and ensuring my consumer rights are upheld. Please let me know if any additional information is needed.
Product: Credit reporting or other personal consumer reports

Exeter Finance LLc is falsely reporting loan XXXX, as a charged off tradeline, in fact was a suurenderd do to engine failure under lemon laws, currently filed claims in the XXXX XXXXXXXX engine fail ure class action, where a pending claim for $ XXXX to pay them. They are aware that they are falsely reporting under fcra and must be corrected today. see attached.
Product: Money transfer, virtual currency, or money service

Block , inc due to inadequate customer service and unfair practice which violate the consumer financial protection act cfpa specifically cash app failed to take timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act EFTA and regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

My purse was stolen and the person that stole my wallet ordered merchandise from XXXX using my checking account and other information they found in my purse. 
I contacted Telecheck to advise them that I am a victim of identity theft. They refuse to stop trying to collect the money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, XXXX To Whom It May Concern : Please note that I was unaware that BOA had sold my mortgage to you in XXXX XXXX. The first phone call I received was XXXX XXXX, XXXX asking for me to call XXXX Mortgage at XXXX. 
I had been corresponding with BOA pertaining to my hardships and was not aware that my mortgage was sold. I was even advised today that the number that is my contact number was listed as a do not call number. Was told by the representative that is was possibly a " slip '' of the finger. I have taken a job in XXXX TN and my son advised me last night that I had received a notice to appear in court on Monday, XXXX XXXX, XXXX. That is short notice and have priced tickets to try and make the court date and can not afford to do so at this last minute notice. I did not even have my loan number had to be advised of it today. 

Please find enclosed my loan modification packet and I can be reached at XXXX. 

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

On XX/XX/XXXX, I received a notification that XXXX/XXXX  was a new account on my consumer credit reports. 

This account was previously deleted back in XXXX and I did not receive a notice from the credit bureaus nor the original creditor that it will be re-inserted. Furthermore, this account does not belong to me. 

This reporting is inviolation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO WELLS FARGO. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID XXXX DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, WELLS FARGO LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. WELLS FARGO 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND WELLS FARGO IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH WELLS FARGO TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, WELLS FARGO WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. WELLS FARGO WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE XXXX, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE WELLS FARGO HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT WELLS FARGO RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH WELLS FARGO.
Product: Mortgage

Citibank scheduled a closing for XX/XX/XXXX for the purchase of a second home ( loan number ending XXXX ). All necessary parties were at the office waiting for Citibank but they were unable to fund and the closing had to be adjourned and rescheduled for XX/XX/XXXX. I was charged additional fees from seller 's attorney, my attorney, as well as the title company for the lost time because of the failed closing. I filed a complaint with Citibank and after much prodding a manager finally called me to apologize and to let me know that Citibank will provide monetary compensation for the snafu. I received a credit on my credit card for {$780.00} on XX/XX/XXXX and assumed that was the monetary compensation they spoke of. I emailed the manager who called me on XX/XX/XXXX to alert him that the refunded amount did not equate to the additional charges I was assessed. Additionally, I had a refi application ( loan XXXX ) for my primary residence from XX/XX/XXXX that is still pending. He responded on XX/XX/XXXX that he has put a rush on my refi application and that he will look into the credit for loan XXXX. 

After weeks of waiting and not getting a response regarding my refi application, I filed a complaint with CFPB. In Citibank 's response to my complaint XXXX, they claimed that my loan was cancelled due to missing paperwork and that the application fee of {$780.00} was refunded in XXXX. This is when I realized that Citibank never kept their promise regarding the reimbursement of fees for the loan associated with the purchase of my secondary home ( XXXX ) and are now lying about the refi to cover up their mishandling of my application. 

Citibank claims my refi application ( XXXX ) was withdrawn in XX/XX/XXXX due to missing paperwork and a new application ( XXXX ) was resubmitted on XX/XX/XXXX. In my conversations with Citibank at the time, they told me that the loan was resubmitted because they were migrating to a new platform and that I do not need to worry because I will not lose my place in the queue. They also claim that my application XXXX was cancelled due to missing documentation. The last correspondence I received from their loan processor was on XX/XX/XXXX confirming receipt of the insurance information they requested. I continued to follow-up with Citibank for a loan status and In no point in time did Citibank notify me that any documents were missing or that my loan was cancelled. I had to learn of this on XX/XX/XXXX through their response to my CFPB complaint that my loan application was cancelled on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following 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 My only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

I contacted XXXX XXXX for a debt validation letter, the company refused saying they did not have to provide a letter, sent off letter requesting to validate debt but this company provides the wrong address. Company is refusing to validate debt.
Product: Debt collection

I am receiving calls from Focus Receivables Management about a debt that I do n't owe.
Product: Checking or savings account

My BOA bank card was blocked on XX/XX/2022. The balance in the account was around XXXX XXXX dollars. Before the card was blocked, many people had transferred money to my BOA account, and all transactions were normal. There were about 50 transactions totaling XXXX XXXX dollars. BOA bank blocked my account and sent me an email without explaining why my bank account was blocked. We took many actions, such as calling BOA bank to unlock it, but BOA said they needed to audit our account and did not specify how long the audit would take. However, they asked us to call every week for consultation, and we have been calling every week until today, half a year later and then.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the TRANSUNION was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.