23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was taken to court for a default judgement because they never actually served me or informed me of this debt back in XXXX. I was not aware of anything until my employer received notice of garnishment. At that point I tried to look into it but since it was a default judgement there was nothing I could do to fight it. So I paid the debt in full as of XX/XX/XXXX to get it over with and remove the garnishment. Come XX/XX/XXXX I received a letter saying I still owe on the account. I immediately called to clear up the issue but the agent said there was no payment made on the account. I said well if thats the case why did it take so long to get me a notice to which they said they had sent 27 letters which is not at all true given they already never gave documentation in the first place until after they sued me. After he decided to just say I was wrong instead of looking into the account or providing any evidence he hung up on me. I then promptly sent a letter towards the end of XX/XX/XXXX with a copy of the receipt that showed it was paid in full. I even checked my credit score and it shows as paid in full and closed. I received one other letter dated as of XX/XX/XXXX saying they will report me to the credit bureaus if I didnt pay them within 10 days of them giving me this notice. I didnt receive that letter till XX/XX/XXXX. They have not provided any proof of debt or acknowledged my proof of paid in full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX/TD XXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX  Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Checking or savings account

My Checking account with Bank of America was compromised on XX/XX/ and XX/XX/2020. Someone hacked into my account and sent themselves money through " XXXX. '' I did not authorize this transaction for {$3400.00} to be sent to someone I don't know. I filed a claim with Bank of America, and it was denied because supposedly someone had to have authorized the transaction through my phone. They also tried to send themselves money through XXXX, luckily I caught it in time and Bank of America froze my account and stopped that transaction. My money is supposed to be protected through my bank whom I should trust, but I feel violated and angry that my bank is not issuing me back money that was stolen from me. I have also filed a police report to help solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX XXXX in XX/XX/XXXX and moved to Colorado for XXXX XXXX, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. Transunion and XXXX  still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama   Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.
Product: Credit reporting or other personal consumer reports

I requested my consumer report from Transunion over the phone XXXX weeks ago and was advised that it would come within 7 days however they have failed to provide me with it within the 7 days.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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

Upon discovery after viewing my consumer report I see that XXXX XXXX & his company Capio Partners LLC is report-ing an alleged debt onto my consumer report. I am requesting verification- ( sworn under oath ) of this alleged debt by XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also demanding that Capio Partners LLC cease & desist all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ).
Product: Mortgage

This will be the third complaint against Wells Fargo - prior complaints have been pushed aside without a care. Wells Fargo has requested additional time in both instances only to arrive at a non-conclusive reply - AND NEVER ANSWER THE QUESTION. 

This time I've found concrete legal ground to present. Complaints will continue to be sent UNTIL WELLS FARGO ACTUALLY PROVIDES AN ANSWER INSTEAD OF IGNORING THE AUTHORITY OF CFPB. Failure to provide an answer will result in me summoning Wells Fargo. 

Wells Fargo has a minimum of {$20000.00} to recast a home mortgage. Most banks are only a quarter of that amount - typically around 5-7k. I've asked why the amount was so high over years - and have never received a proper response. I've contacted XXXX XXXX - who opened an internal investigation - immediately alarmed at how much above normal XXXX is. While XXXX XXXX ultimately agreed with me, they said they are unable to modify any of Wells Fargo 's " overlays ''. 

Wells Fargo has responded by stating " {$20000.00} was what the bank deemed an appropriate amount where a significant difference to the monthly payment would be noticed. '' Yet, this doesn't make sense. A $ XXXX payment on a $ XXXX dollar balance will surely deliver a different impact on the monthly payment than a $ XXXX payment on a {$100000.00} loan .... but somehow Wells Fargo can generically apply this absurd $ XXXX minimum requirement to all outstanding mortages and deem it " the point where an overpayment will present a visible impact on the monthly payment '' ... Wells Fargo has failed to account for the outstanding balance in their reasoning - rendering their decision to set this minimum at $ XXXX. I guess you could argue - it is their policy and they can set it to $ XXXX if they wanted to ... 

I believe what we are dealing with is " Disparate Impact Discrimination '' The ability to recast a mortgage allows Americans to buy monthly flexibility and is an invaluable tool for ALL borrowers. It should not be kept out of reach by outrageous minimums that are apparently set by bogus reasoning without consideration to all loan parameters. 

- The cost of the average house in the US is {$220000.00}. 
- A {$20000.00} overpayment is nearly 10 % of the entire value of the home. 
- A {$5000.00} overpayment WILL have a significant SAVINGS for MOST AMERICANS. 
- Wells Fargo is one of the largest services of US loans. 
- Most Americans living in an average house of {$220000.00} DO NOT have {$20000.00} to throw at their mortgage " Any practices or polices that may not have any discriminatory intent, yet have a disproportionately negative impact on protected classes of individuals are said to have a DISPARATE IMPACT and are still prohibited by law ''. 

Wells Fargo 's CHOICE to set the minimum so high, creates that disproportionate negative impact on MANY AMERICAN HOUSEHOLDS. 

This is a massive disservice to every American household that has their mortgage serviced by Wells Fargo. It is unethical. It is illegal and it is arguably intentional.
Product: Credit card

I am a victim of Identity theft from the XXXX breach. Someone opened up 2 fraudulent credit cards using my information with GS Bank. Unfortunately it affected me and my credit score. I tried for month to get it resolved with the bank, and credit bureaus, with no progress. I sent in all requested documents month after month, and made countless calls. They fraudulent credit cards were closed but not identified as fraud, which messed up my credit reports and neither the credit bureaus nor the bank is trying to assist me in fixing this problem. I need help please.
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX XXXX EST in XXXX, NY, I received a text notification that there was an attempt to access my XXXX mobile account. Immediately after that, my phone was disconnected. I also received an email from XXXX at XXXX notifying me of a receipt for a recent transaction on my account. I then logged on to my account online and saw that an unfamiliar device had been activated with my phone number and there was a PDF receipt from XXXX store # XXXX at XXXX XXXX XXXX XXXX in XXXX, Arizona. The receipt included a copy of a forgery of my signature. I attempted to contact a XXXX customer service representative using my boyfriend 's phone, but I was unable to reach anyone at that time. I ordered a line suspension via my online account. I then proceeded to check my other accounts and change all of my passwords. Shortly after I discovered a {$5000.00} charge on my Capital One credit account at XXXX XXXX XXXX # XXXX, also in XXXX Arizona at XXXX XXXX XXXX XXXX Another charge appeared for {$620.00} at XXXX store # XXXX in XXXX, Arizona. I immediately called Capital One using my boyfriend 's phone which caused some confusion because he is also a Capital One customer and they verify customer info via phone number. I was eventually able to speak to someone about the fraudulent charges on my account and was assured that I would not be held responsible, a statement credit and new card would be issued immediately, and that I would be receiving a notification of the opened fraud investigation. The following morning, I contacted XXXX and arranged to have my phone reactivated and opened a fraud investigation. At XXXX on XX/XX/XXXX, I received an email from XXXX fraud prevention notifying me that my claim had been investigated and I would not be held responsible for the fraudulent activity on my account. I followed up with Capital One and learned that the first representative that I spoke to did not follow through with properly opening the investigation or submit any notes on my account. I explained the situation again to the second fraud representative who then opened the investigation. I received the initial acknowledgment of the investigation from Capital One on XX/XX/XXXX. A purchase adjustment was added to my account and I received a new card in the mail. On XX/XX/XXXX, Capital One sent a document updating the status of my fraud investigation, stating, " After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe you or another account user benefitted from the transactions. Since there's insufficient evidence of fraud, you're responsible for the charges listed below. '' I called customer service immediately, but the fraud department was closed, so I was unable to speak with someone until Monday morning on XXXX. I gathered documentation of the XXXX fraud investigation and credit card statements from XXXX proving that I made local purchases in New York on XX/XX/XXXX, but the Capital One fraud team refused to allow me to submit this as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXXXXX  I submitted a dispute to XXXX  requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation
Product: Debt collection

This debt collector called Con Serve is illegally contacting me regarding federal NON TAX DEBT Currently the XXXX has STANDING set off attached to my wifes ' State of NEW JERSEY tax refunds [ Even though the Debt is mine ], the XXXX SEIZES THIS MONEY TO REDUCE MY NON TAX DEBT, Furthermore in Accordance withe the DCIA debt collection improvement act of 1996 any social security benefits less than {$750.00} are off limits so the XXXX can not touch my pending social security income. 
I am formally requesting that CFPB DEMAND and IMPLORE this nefarious debt collector called ConServe to immediately cease and desist any and all forms of communication with me for as far as I am concerned the XXXX is already effectuating its only remedy against me by illegally seizing my wifes ' state of NEW JERSEY TAX REFUND S until my NON TAX DEBT IS SATISFIED.
Product: Student loan

I have XXXX loans, a subsidized and an unsubsidized loan, that are serviced through Mohela. The balances of the loans are {$94000.00} and {$160000.00} respectively, with the subsidized loan having originated on XX/XX/XXXX. Previously, my loans were serviced by XXXX, but I was transferred to Mohela in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted an XXXX for processing, which was completed in XX/XX/XXXX, resulting in a payment count of XXXX for both loans. However, in XX/XX/XXXX, I noticed that my counts had increased to XXXX and XXXX. To rectify the discrepancy, I immediately submitted an updated XXXX and contacted Mohela. The Mohela representative explained that the difference in counts was normal and would correct itself when the XXXX was processed. In XX/XX/XXXX, I realized my previous XXXX was incomplete and uploaded a full version. 

On XX/XX/XXXX, Mohela notified me that my counts had updated to XXXX and XXXX with the new XXXX. I contacted Mohela again to inquire about how to reconcile the counts as I was to that although they were being tracked separately, it was XXXX loan. The representative put me on hold and asked a supervisor, who requested an adjustment that would take two weeks to process. 

When I called again on XX/XX/XXXX to find out why there had been no change, the agent I spoke with a supervisor who said they could see the difference in the counts and would request a manual review, which would take an additional 30 days. During the call, it was apparent that the manual request had not been put in previously. 

During the call, I also inquired about the requirement to be employed by a nonprofit employer when discharged. I had previously explained that I might leave my employer and not work for a qualifying employer. The representative initially informed me that it was acceptable, given the XXXX waiver. Based on this information, I gave notice to my employer. However, during the call, I was informed that this was not the case, and I would not receive forgiveness if I were not still employed at discharge, regardless of reaching the threshold. 

I am now very confused and concerned because I made a decision about my employment based on incorrect information that I received. I need this addressed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent Transunion a certified letter demanding the company disclose to me all of the documents they have recorded and retained in their file at the time of my request concerning the listing of XXXX XXXX XXXX/XXXX account numers XXXX, XXXX, XXXX, XXXX, on my credit report. The company willfully neglected to address my concern and continue to report the erroneous item compromising the integrity of my credit file/credit score. The company neglected to provide me any documents or any response pertaining to the above listings. Instead on XXXX XXXX XXXX I received a generic response via mail that blatantly disregarded my request and addressed other accountsI disputed advising me my request had been verified. Unfortunately I am still without any documentation that would substantiate their claim or any paperwork that would give them any right to report this incorrect information. I am requesting the items be removed from my report immediately.
Product: Checking or savings account

Went to the Chase ATM located in XXXX XXXX XXXXXXXX on Saturday XX/XX/year> at approximately XXXX. I had 1 check and {$380.00} cash to deposit. As I instructed the ATM to deposit both I get an error screen and to try again and if the error persist to call a XXXX, I called about 3 times and due to the hour the machine stated the office was closed. The ATM machine prompted that the {$180.00} check was unable to be deposited and would only get {$380.00}. My check was returned but the {$380.00} cash that was inserted to the ATM machine was NOT returned NOR reflected on my bank account. I have a receipt from Chase that states TECHNICAL PROBLEM completing my transaction, I am submitting this claim to get help and get my {$380.00} back that the ATM machine stole.