23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX account XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Product: Payday loan, title loan, or personal loan

I took out three installment loans with Big Picture Loans in XX/XX/XXXX. The first was on XX/XX/XXXX in the amount of {$220.00} with an interest rate of 697.0807 %. It has been paid in full. The second was taken out on XX/XX/XXXX in the amount of {$600.00} with an interest rate of 697.0929. It has been paid in full. The third loan was taken out on XX/XX/XXXX in the amount of {$1500.00} with an interest rate of 485.0505 %. I stopped making payments on this loan when I discovered that this loan, along with the other two loans are illegal in the state of Georgia, which is my state of residence. According to Georgia 's interest rate laws, the Legal Maximum Rate of interest for any loan {$3000.00} or less is 16 % and only simple interest. ( 7-4-2 ) The Penalty for Usury ( Unlawful Interest Rate ) is forfeiture of entire interest and a criminal penalty. ( 7-4-10 ) ( 7-4-18 )
Product: Student loan

I have my Federal student loans serviced by Navient, whom I believe misguided me into a repayment plan that is very favorable to their bottom line, and not my achievement of paying off the loan. They are receiving massive chunks of my payments in the form of interest with my total balance owing barely chipping away. Their representatives have not offered any alternative solutions to help benefit both parties.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 covering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had 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: Mortgage

Well they say they working on this it just seems there trying to delay to make me look bad so they can foreclose they know they can make money from property, And yesterday XX/XX/XXXX man went by snapping pictures of home do n't tell me Wells Fargo is up to something!! We did send another payment in XXXX so I know we are only I behind Buts that 's there fault for hiring Idiots who do not listen!!
Product: Debt collection

My mortgage was transferred to NewRez Mortgage LLC in  XX/XX/XXXX. I reviewed account online in XX/XX/XXXX to discover a {$15.00} fee pending. I called on XX/XX/XXXX and was told it was for an inspection and nothing else. I was instructed to write them to dispute it. I emailed company on XX/XX/XXXX. Mailed a hard copy the next day. After several weeks, I heard nothing. I received a notice in mail that NewRez was attempting to send me a large envelope that the PO would not deliver that day. I complete the form online for the PO to deliver it but it still never arrives. However I called NewRez that evening. After talking with many representatives, I was accused of being 42 days late in XX/XX/XXXX. After about 30 minutes and I had every payment documented with my statements, they corrected that statement and CONFIRMED that I was NEVER late. Said it would take 2 weeks to correct the fee. On XX/XX/XXXX I called again and they once again said it would take 2 weeks to clear. I emailed them once again on XX/XX/XXXX and still no response. They acknowledged the fee is in error but not clearing it. It now makes it where I can not pay extra into escrow account until the fee is paid so it is affecting my ability to pay correctly.
Product: Checking or savings account

Good morning, I have attempted to resolve repeated disputes with a Wells Fargo checking account in recent months. Their incompetence has led to credits being posted as debits, multiple week-long delays in payments, and other accounting errors. I attempted to pay my credit card bills with XXXX ( a very well-run bank, I may add ) several times, and Wells Fargo was incapable of processing the transactions. This led to several delays in payment, which I had to correct from a separate credit union account. Weeks later, after I had tried to close the Wells Fargo account, and it was more or less empty, they attempted to make the payments to XXXX. This led to overdrafts, which I had to correct by dealing with both banks personally. 

Wells Fargo XXXX everything up, repeatedly. I wound up having to fax my bank records to XXXX, to remedy the problem, but by that point, I had to close the credit card accounts and make a deal for long-term payments. Still, by my records, I can see that the Wells Fargo account should have about a {$40.00} surplus, yet they claim it is {$100.00} overdrawn. Perhaps over {$1000.00} in XXXX payments have gone missing. XXXX has been extremely cooperative in my investigation I have been conducting personally, yet Wells Fargo has been impossible to deal with. I suspect Wells Fargo is acting fraudulently. I received an email this morning from Wells Fargo claiming that they are reporting me to XXXX XXXX XXXX. I will not tolerate their incompetence and/or corruption any longer. They will not slander me any further. Please investigate. XXXX has the records I faxed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to my credit report regarding and alleged debt. They are reporting inaccurate and inconsistent loan amounts, verification dates, opening dates, and closing dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. Account # XXXX ( XXXX XXXX ) # XXXX XXXX XXXX ), # XXXX XXXX # XXXX ( XXXX XXXX ) # XXXX ( XXXX XXXX  ) # XXXX ( XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX # XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX. 15 U.S, C 1681 Section 602 A. States i have the right to privacy. 15 U.S, C 1681Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after the reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not 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.
Product: Mortgage

Around XXXX XXXX I requested a payoff figure from my mortgage company, Pacific Union Financial. I received a payoff statement dated XXXX XXXX, XXXX with a total amount to pay the loan in full of {$150000.00}. Ive been paying the same monthly mortgage payment since then. When we accepted an offer for this house in XXXX XXXX, it was based on the fact that the payoff should have been somewhat lower than the XXXX XXXX, XXXX payoff figure. We negotiated the sale of this house using the {$150000.00} as the maximum wed need to clear in order to pay off Pacific Union. 

I requested an updated payoff figure from Pacific Union to get a better estimate on what to expect financially at closing on XXXX XXXX, XXXX. To my surprise, I received a payoff statement dated XXXX XXXX, XXXX for {$150000.00}. This is {$4600.00} more than the XXXX XXXX, XXXX payoff figure. This is a problem as we 've broken ground on another home. The additional {$4600.00} Pacific is now expecting in payoff contradicts what they sent me in XXXX XXXX. 

Pacific Union has admitted that they made a mistake with the XXXX XXXX payoff statement. However, theyre expecting that were to pay for their error at our XXXX XXXX closing. 

I expected that the official statement Pacific Union sent me in XXXX was accurate. I used payoff figure to negotiate the sale of this house. The payoff should not have increased. 

I brought this discrepancy to their attention through their online messaging system and faxed them all the documentation they requested. They are now telling me I need to address this issue through their dispute department further delaying the settling of this issue. Time is of the essence as it 's now XXXX XXXX. This unresolved issue it too close to the closing date of the sale of this house. Since they were faxed all of the documents, at their request, they should have forwarded my complaint to their dispute department. 

Pacific Unions mistake could ripple effect into us not being able to honor our sales contract on this home ; which will cause the people ( also vets ) that purchased this home to not have anywhere to live. Their error will then release us from the contract on our new home ; and, none of the real estate agents involved will receive their commission. Their error is far reaching. 

I 'm attaching the two official payoff documents received from Pacific Union along with the envelopes they came in and the fax to them. I 'm also attaching the email traffic I 've had with Pacific Union in their online system.
Product: Debt collection

MANY MANY at least 7 calls per day from XXXX XXXX XXXX, voicemails state will visit employer and give them collection information, I did not authorize such, have called family multiple times, After jumping thru hoops to find out who they were and disputing me having an account with first capital, and asking for debt validation and the fact that the original debt is NOT as stated and no validation was given, he again stated will be sending collection correspondence to my employer to make them aware of a personal debt being owed, again did not authorize. That is sharing my information with non authorized persons and businesses. He then stated first capital was sold my credit card account, stated need validation from all 3 then, original, first capital as well as XXXX XXXX XXXX. He stated does not have to. And he then stated and I DO QUOTE " From the looks of it, with not responding to Multiple calls and letters sent to you '' ( again never received any ), " you had not intent to pay your bills, so we will speak to you employer and will have XXXX  and XXXX of dollars in atty fees ''. How dare he!!! That is pure SLANDER! I will be contacting an atty for 1, slander, 2 non authorized use of personal information, 3, threatening, 4 not providing proper debt validation when requested.
Product: Credit reporting or other personal consumer reports

I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter. 

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution.

Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.
Product: Checking or savings account

Deposit a check into atm. However check got stuck for 2wks .consequently I could pay bills and such .late fee invite and I suffered mentally and financially.
Product: Mortgage

Carrington Mortgage Servicers charges me {$5.00} to make a payment using their online system. When they put it on my account statement they classify it as a late fee for {$5.00}. 

They continue to do this every single month. For my latest mortgage payment that was due on XXXX, I paid the mortgage on XX/XX/26 and they called the {$5.00} a late payment on my statement. What it actually was, was a payment processing fee that they are charging too much for.
Product: Debt collection

I was recently contacted by American Express and told that I needed to pay a debt immediately, even though I am in credit counseling and I am depositing funds into an escrow account to be deposit for a debt settlement. I was threatened with a lawsuit, even though they acknowledged that I am taking steps to settle my debt with them out of court. I was not contacted by an attorney. I am paying money to settle my debt with American Express right now and I want to be left alone by them.
Product: Debt collection

The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19
Product: Credit reporting or other personal consumer reports

XXXX XXXX services is commiting tax fraud and are violating FCRA laws. They have cancelled a alleged debt that the company is still trying to collect. The company has also wrote the alleged debt off so what I don't understand is why is XXXX card services is reporting taxable income to all XXXX bureaus as a debt knowing XXXX well that debt and taxable income are XXXX different things. The company also knows that since they wrote the alleged debt off they need to send me a 1099c because they KNOW that it eradicates the debt making it taxable income which is not reporting on a consumer report 15 USC 1681a. And guess what the company is not complying to send me my 1099c so I can finally get thing Charge off removed since it is now classified as taxable income. XXXX  card services is commiting both tax and consumer fraud which is illegal. None of this is made up the reports clearly states it on the attachments below. 



Account number : XXXX
Product: Credit card

I've always made sure that payments on this account are timely, never allowing them to become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled and availed in the debt consolidation program with the Harbor Legal Group and XXXX XXXX XXXX ( XXXX ) last XX/XX/XXXX and they started deducting from my checking acct XX/XX/XXXX, initial payment was {$200.00} breakdown of this amount ( {$55.00} goes to savings, $ XXXX-Retainer 's Fee ; {$27.00} Admin Fee ( {$55.00} Mo 1-9 ) ; $ XXXX Service Fee ) and XX/XX/XXXX deduction from my checking acct was {$200.00} same breakdown. Then from XX/XX/XXXX to XXXX/XXXX/XXXX amount deducted from my acct was {$170.00}, then XX/XX/XXXX to XX/XX/XXXX amount deducted was {$190.00}, then from XX/XX/XXXX to XX/XX/XXXX amount deducted from my checking acct was {$170.00}. For more than 3 years there were 3 credit card companies only that were settled out of 6 credit card companies that I have a balance with. Upon enrollment in the program I had a Total amount of debt {$21000.00}, they gave me an estimated amount settlements which was {$8800.00}. Service cost percentage was 12 % ; Estimated Total Fees and Settlements was {$14.00}, XXXX. From XX/XX/XXXX to XX/XX/XXXX the total amt deducted from my checking acct was {$12000.00} from this amount the total amount paid to the 3 credit cards was {$4800.00} for that more than 3 yr period. Total amount paid to Harbor/XXXX  was {$7700.00}. At present, I still have 3 credit cards unpaid/to be settled, I have no choice so I opted to extend the program so those 3 remaining credit cards be settled. As of now, I still have money with them amounting to {$1300.00}. I was informed that one of my credit card I owed more than 1K only, I suggested to them to settle the credit card with that balance since I have enough with them to pay it off, but I was informed that the negotiator wanted to settle the other credit card first, which I owed more than 5K. I've been following up with them about my suggestion to settle the lesser amount first but I was only informed that they will get in touch with the negotiator to call me. I followed up with them twice already but negotiator hasn't called me yet. This is the reason why I decided to get help from you, because I believe that they are taking advantage from me. In the first few days, weeks and months with my enrollment in the said Consolidator they've been updating me but after 6 months to 1 year they rarely call or update me. This matter makes me anxious, stressful and I had sleepless nights. I wanted to settle all my credit cards or pay all my debts with those Companies. I have the necessary documents that justifies all the numbers that I mentioned in this complaint I can submit it to you when needed.
Product: Credit reporting or other personal consumer reports

I have identified information that appears on my consumer report that is a result of identity theft. 

the below transaction is not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX
Product: Debt collection

Hi I have called contacted this company XXXX already deleted this from my credit report I called Lvnv funding back they wont deleted this inaccuracy from XXXX or XXXX. This is a violation of my consumer law rights please delete immediately. Thank you.