23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Around XX/XX/XXXX, we received a call from wells fargo claiming that our business account was taken over and someone withdrawn a couple thousands of dollars. The man on the phone said he could start the process of refunding the money to us and start the investigation. He asked us questions and gave us options to choose from, the last four of our social, and then told us he was going to send a text with a code to verify it was us. We answered all the right questions and he said he deactivated our cards and new ones would be sent to us overnight. We were thankful that wells fargo took action and notified us but this wasn't the case. The following morning I logged in and notice that our business account and personal account both had withdrawals. So I decided to call to verify they were taking care of both accounts instead of just one. When I called, they asked literally the same questions as the previous phone call the night prior. the wells fargo lady told me that there was no fraud investigation our our accounts and no notes have been made. She insisted and asked more questions but I hung up and went directly to a branch. At the bank they stated that they cant do anything by investigating who took our money because it would be too difficult and that it would be best to close the account and start a new one. They said they could continue the account number for 60 days and a new account number would take over. What they didn't mention was that anything over 300 dollar transaction was immediately denied. I made my mortgage payment and they denied it. I had no idea that my mortgage did not go thru and on the 15 day after the mortgage is due, its consider late and a hit on our record. I tried to ask for them to notify our mortgage and let them know it wasn't our fault and we had the funds in our account but they said they couldn't do anything. I'm frustrated with how wells fargo handled the situation in the fact that they denied the mortgage payment even though its a reoccurrence every month and they wont take responsibility for our credit hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 
Identity Theft 1. XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/LOW Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft SYNCB/XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been paying Equifax a {$9.00} Recurring monthly charge for Equifax XXXX subscription Since XX/XX/2022 with this subscription Equifax promise Daily credit score and credit report. They failed to provide me with updates on my credit score and credit report. I contact them multiple times about the issue they ask me to send my ID, SSN, and proof of address i did that multiple times and they still haven't resolve the issue and i'm still paying for the subscription.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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

I paid off my auto loan which my installment payment was on time and I was penalized after my final payment. I lost 40 points because my loan was finished. 

Paying on time and completing my obligation. Is showing the lender that I can successfully manage debt. 

This appears to be very unfair practice for a consumer that has worked very hard in obtaining excellent credit.
Product: Debt collection

I requested a debt validation information from Midland Credit Management, they have failed to respond to my request which is a violation of the Fair Credit Reporting Act and as such they must remove said account from my credit report no later than 30 days from the date of receipt of my letter. I requested this information as I have not received prior to them attempting legal action, also the accounts they claim to own have a binding arbitration clause which they have violated. I formally request the removal of said account and cease of collection practices. 

This company has been known to engage in deceptive and illegal debt collection practices and have been fined in the past by several state attorneys and consumer protection entities including this one ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to Experian ( copies with proof of delivery attached ) requesting the removal of XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, Experian continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from Experian according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how Experian can continue to report a collection trade line without evidence of the debt. Experian 's actions are hindering me from obtaining a mortgage to purchase a home
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer, have unauthorized accounts on my credit report that resulted from identity theft. 15 usc 1681c2 says that unauthorized accounts must be rremoved if it is related to identity theft. the unauthorzed accounts are attached in my ftc report.
Product: Debt collection

A judgment was rendered and satisfied.    US COLLECTIONS WEST  Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , AZ  XXXX  Phone : (  XXXX  )  XXXX  Is still pursuing additional money, which I strongly feel is NOT due to them after their attorney collected money from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Debt Validation Pursuant to Fair Debt Collection Practices Act Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with account numbers Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am hereby exercising my right to request validation of the debt in question. 

I am requesting that you provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number and the amount of the alleged debt.

3. Documentation establishing that I am the responsible party for the debt.

4. Verification that the debt is not time-barred by the applicable statute of limitations.

5. A copy of the original signed agreement or contract that purportedly authorizes the debt.

I assert my rights under the FDCPA to ensure that the debt is valid and that all necessary information is accurately provided. I request that all collection activities be suspended until the requested information is provided.

Please be advised that any failure to comply with the FDCPA requirements may result in legal action and remedies available under applicable law. Your prompt attention to this matter and timely response are appreciated. 

Kindly provide the requested documentation to the address listed above within 30 days of your receipt of this letter. Failure to validate the debt within the specified timeframe will necessitate that the debt be considered invalid, and any further collection actions will be deemed unlawful. 

Thank you for your cooperation in resolving this matter in a timely and compliant manner. 

Sincerely, XXXX XXXX
Product: Debt collection

i bought a XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but XXXX retail card servies/XXXX XXXX. they do not have a license to do business in alaska. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXadmin recovery has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603XXXX XXXX XXXX told me that XXXX XXXX does except credit and debt card payments. i have the recording from all of them. XXXX XXXX  and XXXX XXXX. i have the papers the i have kept. also XXXX XXXX  after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.
Product: Mortgage

On XX/XX/2009, a HELOC Mortgage was completed with Third Federal Savings and Loan Association of Cleveland. 
and loan payments began, Third Federal received over payments intended to be payments against the principal balance. Instead of applying the payments, Third Federal, changed the description of the over payment to interest and kept the overpaid amount. 

Frequently throughout the loan double payments were made per month. Third Federal failed to apply the payments were they were received. Instead, the payments were held until the payment date and then applied against the loan. 

After the ten-year borrowing phase, the loan went into the repayment phase. Third Federal without any notice increased the amount of the payment required per month to {$2800.00} per month from {$650.00}. 

The lender was contacted after receiving a call from the collections department. Also spoke with customer service to find out what happen to the Notice and found it was sent to a wrong address. 

A call was placed to customer service explaining that payments could be made if the amount of the payment could be modified to between {$1000.00} to {$1500.00} per month. No response was received from Third Federal. Instead, foreclosure proceeding were started by Third Federal. 

A modification was requested again and there has been no response from Third Federal. Third Federal is returning payments made against the loan and reporting to the credit bureau that the payment has not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX. Date of Inquiry : XX/XX/. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2020
Product: Credit card or prepaid card

Tried to pay my bill on XX/XX/22 - error comes back, " Unexpected error occurred in backend system ; see moreInfo for exact details '' - there is no " moreinfo '' to view details. I call into the bank to attempt to pay by phone. I look up account by social security number. " I am sorry we have no record of that number, please be sure to enter your full 9-digit social security number '' - I entered it again, SAME RESPONSE. I switched to look up by 16-digit account number. " I am sorry our system is not available, please try again later '' and the call disconnects. 

I AM BARRED FROM PAYING MY ACCOUNT TIMELY!
Product: Credit card

I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i  issued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 1. JPMB ( CHASE ) BANK ( XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I place a complaint with XXXX and Equifax on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a XXXX negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX. I requested a wire transfer from my Citi bank to my other personal bank. XXXX XXXX. I got email from Citi bank says my transfer is on hold and I called them, they consistently asking me to provide another phone number which is under my name and verified by their system. I have no clue what they want. Feel like even if I provide the number, they will come up some other questions to block my transfer. Already spent tons of my time dealing with this but no luck. They canceled my transfer without telling me. Now, they lock up my account and my online bank access. I am not able to access my money. This is an emergency. I need get help from you CFPB. Thanks!
Product: Mortgage

XX/XX/XXXX Re : Wells Fargo Mortgage XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX Plaintiff : XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX After reviewing the XXXX County Records, I have noticed that the original lender XXXX XXXX XXXX did not record an assignment of mortgage with the first assignment of mortgage being with XXXX XXXX and no records with XXXX County records of Florida indicated or recorded or are found stipulating that XXXX XXXX was assigned to Wells Fargo from the conception or origination of the loan dating as far back as XX/XX/XXXX not to be found. 

Wells Fargo sold the mortgage to XXXX for well below the remaining amount of the principal note up to 50 % less than XXXX on a bid agreed between both parties which may also include no transfer of such funds just conjured paper work covering the hidden negotiations of transactions. Then we have a new assignee XXXX XXXX XXXX who decide to had over XXXX on a fraudulent loan. Considering the facts that you take a principal loan balance and you multiply it by 3 your new servicer is asking XXXX And you claim to help people your actions and recorded documents show exactly what kind of organization you run and promote, no wonder thousands of people who deal with Wells Fargo close their accounts daily, may you find Justice during the course of everything you forged against me, and every time you delayed and dejected the reasonable offers I made to solve the problem that you have caused. 



Sincerely XXXX XXXX XXXX
Product: Debt collection

These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX XXXX from this number. They may have tried to use other numbers but left no messages. 

I even blocked them but they continue to leave messages.