23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2018 I reviewed my credit reports and found inaccurate information reporting in my 3 bureau credit files. The account is unknown to me so I contacted the company XXXX XXXX XXXX XXXX by letter delivered by certified mail on XX/XX/2018 ( see attached letter and certification of mail ) that was over 45 days ago and I have yet to receive a response.

This company has failed to comply as per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to XXXX XXXX XXXX XXXX regarding account number XXXX for a sum of {$20.00} is to provide via CFPB portal full validation or delete this unknown account from my 3 credit files. I have explained that this account is unknown to me and I require  FULL validation pursuant to the Fair Debt Collection Practices Act and XXXX XXXX XXXX XXXX has failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.
Product: Consumer Loan

To Whom IT May Concern ; I tried to reach a resolution on complaint XXXX with XXXX XXXX Nissan to no avail. The persons I needed to talk was always out of the office. This was totally unacceptable I was willing to surrender the vehicle. However, I now want them to consider the loan paid off with nothing against my credit. Also a apology from Texas Nissan of XXXX and XXXX XXXX for his lies, cheating and XXXX ways. He shows know respect for XXXX Vets nor their families all life matter regardless of race.
Product: Debt collection

None of your examples fit my inquiry so I just tried to choose something similar. I was sued like many individuals for an alleged credit card debt and received an ABSTRACT JUDGMENT I in XXXX 2011 by XXXX via attorney XXXX XXXX XXXX. In Texas a Homestead is exempt from an AJ, However the AJ does not reflect this on the document. I started to look into selling my home and learned that I would be expected by research into title companies to pay off the AJ as it allegedly clouds the title. AS Texas law is specific this is excluded. There are hundreds of AJ issued by this financial institution but also others such as XXXX XXXX, XXXX, XXXX, XXXX are just a few. The one commonality is that none denote in the AJ that the homestead is excluded. If any of these or other financial institutions have recovered the alleged debt by means of the Texas Homestead exemption in my opinion have potentially and currently could be still collecting under the guise of clearing an alleged debt which is know to be in Texas. Yes many have and continue to receive these AJ. I believe that these institutions along with their lawyers need to issue corrected AJ which states clearly that a Texas Homestead is excluded. I also believe that it needs to be investigated as to collection on any release in the time filed as aaaaan AJ carries a timeline of 10 years and can be renewed for another 10 years. So the statue of limitations should still be valid and the institutions that have collected should feel penalties and reimburse any party that they gave the impression is owed through their homestead by misrepresentation. I realize that Texas is a large state but the law is specific
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves Wells Fargo Bank. In 2013, I received an auto loan through Wells Fargo Bank for the amount of {$6000.00} to purchase a XXXX XXXX pick up truck. The loan was co-signed by XXXX XXXX. XXXX filed for bankruptcy a few months after the loan had been established. I continued to make the monthly payment to Wells Fargo Dealer Services for several months. The truck was involved in an accident when my wife rear ended another vehicle. The XXXX XXXX was deemed salvaged. My insurance company at the time, XXXX, obtained a payoff amount from W.F. Bank. They issued the check and mailed it to the designated post office box. I called several times inquiring on the status of the payoff and was told by numerous Wells Fargo employees that it can take several months for the payoff check to be processed. I ran my credit and noticed that Wells Fargo had reported that I was late on my auto loan payment. I immediately called and was told they never received the loan payoff check. I contacted XXXX XXXX and was provided proof that the check had been issued and mailed to Wells Fargo. I got on a three way call with Wells Fargo auto loan customer service and my XXXX XXXX claim 's representative who confirmed to Wells Fargo that the check had been issued months ago. XXXX obtained a physical address from Wells Fargo which they could send a new payoff check to along with tracking information. Wells Fargo received the check within the week. They are now reporting to my credit that the charge off amount is {$1.00}. I have been to several branch locations and spoken to several " managers '' who assured me the error would be removed from my credit. I recently applied for a Wells Fargo credit card and was denied due to having a late payments to W.F. in the past. Meaning they are still reporting this erroneous account on my credit. I have never been late on any payment and I have no idea why Wells Fargo refuses to remove this from my credit even though they assured me ( I 'm sure just to get rid of me ) it would be take care of. I would really appreciate any assistance you could provide me. I have tried to work with Wells Fargo but am at my wits end. Thank you.
Product: Debt collection

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting

XXXX XXXX Bank is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in thier approved debt management program, they continue to charge late fees and monthly annual fees. This is wrong!
Product: Prepaid card

I have two American Express gift cards for {$150.00} each and neither one of them can be used on any site. I have gone onto the American Express website and they both say that they have the funds available. I don't understand why they don't work.
Product: Checking or savings account

Someone withdrew {$20000.00} over several transaction via XXXX XXXX. I filed a complaint with Navy Federal Credit Union and filed out my affidavit of fraud and provide my XXXX XXXX statement to prove it wasnt me who made these transactions. Navy Federal Claims the charges are valid however they are not and I feel they are violating the Regulation E because they failed to properly and fully investigate the matter. Just because I have had previously had transactions with XXXX XXXX doesnt mean that all charges are automatically valid from XXXX XXXX. It was Navy Federal Credit Union Fraud Text Alert that alerted me to fraudulent withdrawals. I have requested all information they used to base their decision and they have failed to provide those documents.
Product: Credit reporting or other personal consumer reports

Consumer name XXXX XXXX XXXX consumer dob XXXX XXXXXXXX XXXX consumer social security # XXXX this complaint has been filed to request pursuant to fcra 605b ( 15usc1681 c-2 ) that you, equifax credit reporting agency , block/delete information on my consumer report that is result of idenity theft and fraud/data breach within 4 business days of receiving this complaint.these fraudulent inaccurate accounts and false information consists of the following accounts # XXXXXXXX XXXX XXXX XXXX XXXX {$500.00} account # XXXX XXXX XXXXXXXX XXXX acount # XXXX balance {$26000.00} # XXXX account XXXX XXXX balance {$170.00} # XXXX acount # XXXX balance {$63.00} # XXXX XXXX  acount # XXXX balance {$1400.00} # XXXX XXXX XXXX  acount XXXX XXXX balance {$6400.00} these accounts I do not recognize the aforementioned accounts where not opened, made, or initiated by me delete immediately.i am attaching copy of FTC report # XXXX as proof.
Product: Checking or savings account

Between XX/XX/XXXXXXXX XXXX XXXX XXXX Chase bank allowed checks to come out of my checking account preauthorized by someone named XXXX XXXX this is not my name. 

Chase refuses to give me back the money they authorized to come out of my account because its outside of their 60 day period ; i understand the policy but this situation was made bad by small amounts being withdrawn over a long period of time and made worse by the fact that these were all authorized without my consent, permission, and signature and correct mailing information. 

All they have told me is a name of a bank in XXXX. 

I would like a refund of the money stolen from me totaling at XXXX dollars. 

Attached is one of 28 fraudulent checks cashed without my name on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and TransUnion. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?
Product: Mortgage

Hello, My house has a primary loan with Bank of America and my checking account is also with Bank of America. I have a payment which goes primarily through bill pay from my checking account to pay my mortgage. It has been this way for years and there has never been an incident where the payment does not post. XX/XX/2015, for some reason which is still unknown, my payment did not process. The check was issued and it was sent from my account. The funds were drawn from the account as well. Upon noticing that it was not credited to my mortgage, I contacted Bank of America and they suggested that I request a cancellation of the check and a reissuance. Let me say that throughout the whole process, my actions were carried out to whatever the customer representative suggested. Whatever they told me to do, I did without question. 

Once they told me to cancel the check and authorize a reissuance of the payment, I agreed. I expressed my concern about being late on the payment and they assured me that my account was notated and it would not be an issue. After several days I once again checked with my mortgage and found that the reissued check was not posted. I immediately brought this to the attention Bank of America and it was suggested that I consider taking a second payment out to cover the mortgage payment which would mean that I would have to draw funds to cover a payment which was already debited from my account and I did not have the funds to do so. I was once again assured by the customer representative that this was not a concern I should have and that my credit rating was not in jeopardy. 
I walked into my local branch and met with one of the bankers inside a small office to see what I needed to do. Once again I followed the suggestions of the bank and took the necessary steps to send in the payment. I was assured that everything was going to be ok and that there was enough time to get the payment in without any damage to my credit rating. 

The payment posted finally but it was after the 30 day window and I was assessed a 30 day delinquency mark on my account. 
For the record let me state that the scheduled billpay payment prior to this incident and the scheduled billpay payment AFTER this incident both posted without issues. I did not and have not changed any information on the Billpay online page and the fact that the payments prior and after this incident shows that this was in no fault of my own. This is entirely on the bank and its processors. 

I wrote directly to Bank of America to dispute this problem and after a few weeks I was sent a letter stating that Bank of America researched the complaint and decided in my favor and the mark would be removed. To this day it has not been removed and I am angry at their lack of response to my inquiries since then. 

I believe that given that my conversations on the phone were most likely recorded, Bank of America can certainly find that those recordings support my claims and I would like for them to formally open a case and research this further.
Product: Credit reporting or other personal consumer reports

I have sent a dispute to XXXX XXXX regarding the charge off being reported on my account and sold to XXXX XXXX XXXX which was not licensed to collect a debt in my state Iowa where I live. I received a letter from XXXX  stating that they have placed the account with XXXX XXXX XXXX attorney for review. 

No, under the Fair Credit Reporting Act ( FCRA ), a bill or invoice alone is not sufficient proof that a debt or account belongs to you. The FCRA requires that information reported on your credit report be accurate and verifiable, but the burden of proof for a debt belonging to an individual lies with the creditor or debt collector. They must provide more substantial evidence, such as : Signed Contracts or Agreements Proof that you entered into the agreement for the credit or service in question.

Account Statements or Transaction Records Documentation showing your use or acknowledgment of the account.

Verification of the Debt If you dispute a debt, the creditor must verify the debt by providing detailed information showing the original amount, interest, fees, and evidence of your responsibility for it.
Product: Credit card or prepaid card

On XX/XX/2023, I discovered someone stole my social security number and used my name to open fraudulent accounts with credit card companies, according to my credit report. 

The person who stole my identity is unknown but who used the address. 
" XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ''. 
The phone number " XXXX '' is not mine to open the account. 

One of them is Discover Card : Discover ( Opened on XX/XX/2023, they spent {$700.00} ). 

I've reported to the creditor in XX/XX/2023 when I found out and reported to my local police department - XXXX XXXX XXXX, XXXX Case ID # XXXX. I've been called the company to follow up on the progress but they've kept saying it's under investigation. And I've not yet received any written documents regarding this issue. 

I attached my police report for your reference. Please assist address the issue. Thank you.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ) ( XXXX ), ( XX/XX/XXXX ). Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 60SB ( 15 U.S.C. 5 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent Inaccurate and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts and/or items on my credit report were opened or used fraudulently without my knowledge or consent. As required by 15 U.S.C. 1681c-1, I request that these fraudulent items be removed from my credit report and that any party who has received my credit report in the past year be notified of these changes.
Product: Credit reporting or other personal consumer reports

I have contacted this bureau a total six times. They were contacted on XXXX twice, Once on XXXX once on XXXX, once on XX/XX/ and finally on XXXX Every time I called, my request was the same. I asked this bureau to remove the remarks/comments from an account. 

This is a violation of FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly secured millions of sensitive and private information, including mine. Equifax waited too long to report the hack to the public.
Product: Money transfer, virtual currency, or money service

Okay I was checking my account one day and I seen suspicious activitys on my account money was coming out my account from cashapp but I contacted cashapp support but they was giving me the run around and wasnt trying to help and they say they couldnt help me. I showed them proof and they told me to contact my bank and I did .. my bank didnt do anything. They told me to contact cashapp support again and they still didnt help.. so I lost my money and didnt get it back .. ( I have PROOF )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within XXXX business days of receiving this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see inaccurate accounts on my credit report, and Im absolutely confused about how they ended up there. I check my credit report regularly, but this time, discrepancies appeared out of the blue. I tried to refresh my browser thinking it might just be a technical issue, but no, the accounts were still there. Im now requesting that the documents Ive provided be carefully reviewed so I dont have to keep stressing over this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately. 
Despite my efforts to dispute this matter directly with Equifax under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved.

Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report.

I have provided Equifax with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure Equifax complies with the FCRA by removing the inaccurate collection account from my credit report immediately. Thanks for your help.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the persistent inaccuracies and unverified negative entries on my credit report. Despite multiple communications and disputes, your department has failed to address the following erroneous entries attached on the letters.
Product: Credit reporting

I was denied a consumer loan from my bank XXXX on XXXX XXXX 2017. 
Due to inaccurate credit scores provided to my bank XXXX by Experian. 
Page XXXX of XXXX sorry its upside down credit denial says my score is XXXX from experian. 
Page XXXX of XXXX My Experian credit score tracker I pay for through XXXX credit monitoring. 
Page XXXX of XXXX My Experian credit check & ID monitor XXXX bureau credit report on XXXX/XXXX/2017. 
You can clearly see the credit report I pay for is not the credit report my bank sees
Product: Debt collection

I am formally requesting the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim.
Product: Debt collection

XXXX XXXX is in violation of the FDCPA and FCRA and Transunion is in violation of the FCRA, SEE ATTACHMENTS.
Product: Debt collection

XXXX XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX