23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX representative " XXXX XXXX '' has called me at work on multiple occasions. If I am not working on a specific day she will contact my workplace everyday until she reaches me. The collection agency also has my personal number for which I have cooperated with them and attempted to set up a repayment plan to resolve my debt. I have asked that they do not call my work after setting up the repayment plan and XXXX XXXX agreed that she would remove my number. This is a matter that my colleagues at work should not need to hear discussed as it is embarrassing. After submitting my verbal request XXXX XXXX continues to call my workplace stating she hasn't been able to get in touch with me by phone. I always return her calls because I feel the need to remain complaint with my current arrangement however money is tight and I missed a payment for which has resulted in the collection agency calling my workplace in addition to my personal number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I've had to file just with the CFPB. 
I have faxed and mailed Equifax numerous times over the past year and I still do not have access to manage my credit freeze or view my annual credit report. In fact I haven't gotten a credit report from Equifax in several years since this has begun. Everytime I call them to fix this I'm told the same thing. Resubmit the requested paperwork and it will be fixed. They " assure '' me of this everytime. 
The last request I mailed them my W2 with my name, employer, home address and SS # and I still do not have access.
Product: Credit reporting or other personal consumer reports

FAMILY & EDUCATION ACT1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school
Product: Debt collection

Financial Credit Network has purchase fraudulent identity theft accounts which were previously closed, re-opened the accounts and is trying to collect off of them.COLLECTIONSFin Cr NetwkOpened XX/XX/XXXX-$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to CFPB for Noncompliance with Federal Laws by Credit Bureaus ( TransUnion ) Dear CFPB Representatives, I am writing to formally file a complaint against TransUnion, XXXX, and XXXX for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically according to 15 U.S.C. 1681c-2, 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is my second formal dispute regarding an erroneously reported account on my credit reports. The initial dispute was submitted due to inaccuracies, but the bureaus mentioned above have failed to adequately investigate, validate the debt, and timely remove this account. 

Enclosed is an official identity theft report issued by the FTC ( FTC REPORT # XXXX ), which supports my claim. 

The fraudulent account that I demand be immediately removed is as follows : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/year> Balance : {$190.00} I have repeatedly requested validation of this debt under FDCPA 1692g, yet after more than 30 days, I have received no response, clearly violating this law. Furthermore, under FCRA ( 15 U.S.C. 1681c-2 and 1681i ), the bureaus had an explicit obligation to remove this inaccurate information following my initial dispute.

I request the immediate intervention of the CFPB to ensure that TransUnion, comply with the law by permanently removing this fraudulent information from my credit reports.
Product: Money transfer, virtual currency, or money service

Today I sent money to a person who used XXXX for tickets to a football game. Found out the game was not goin to have fans after I purchased what was suppose to be tickets. I paid XXXX dollars using XXXX with Wells Fargo. After contacting the seller several times with no response. I made a call to Wells Fargo. They said since I had sent the money. I had given permission and there was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.
Product: Payday loan, title loan, or personal loan

I have attempted to resolve this matter with this company several times. My car was hit in front of my house and it was a total loss. The car was paid off by the other party who hit my car and I also had insurance on the loan so when everything was finalized the loan should have been paid off in full and I was told that it was. I continued to receive a demand for payment and I do not owe this company. I have asked for a full accounting of the loan and how the loan was processed after the accident and they have failed to provide that to me but they want me to pay them something I do not owe
Product: Debt collection

Consumer reporting agencies, area research reporting are reporting late payments in violation of 15 USC 1681A. Transactions are not to report on the consumer report, late payments are a form of Transactions. According to 15 USC 1681 B permissible purpose of consumer reports must be in accordance with the written instructions of the consumer to whom the report relates, without permissible consent, it's identity theft. The consumer report has wrong addresses, wrong names. I only give permission to report paid in full, on time, and as agreed. My consumer report should not contain any debts in collection, I have not consented to my private and confidential information to be given to any 3rd party, I have never been given any notice or opportunity to opt out of any debt in collection. Debts in collections where not properly verified, they have NOT proven they are licensed to operate in my state, they haven't provided proof of ownership of the debt, they haven't shown the original contract showing I owe the debt or the amount, I have not done business with the collection agency that would justify me owing them anything. There are debts in collections on my consumer report that has a positive balance. FALSELY REPRESENTING A CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing an unverified account with Trans Union that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Trans Union is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$380.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} U S DEPT OF EDXXXX XXXX Balance : {$3800.00} Bankruptcy chapter XXXX Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE REQUESTED THAT THEY PROVIDE THE PURCHASE AGREEMENT AND WET SIGNATURE TO SHOW FULL OWNERSHIP OF SUCH ACCOUNT AND ALSO OTHER DOCUMENTS, BUT IT NEVER WAS DONE. I'VE ALSO EXPRESSED TO THEM THAT I AM A VICTIM OF IDENTITY THEFT AND A LOT OF MY ACCOUNTS ON MY CREDIT WERE AFFECTED BY THE XXXX XXXX BREACH. I WOULD LIKE THIS REMOVED OFF OF MY CREDIT REPORT. ALSO, IT WAS REMOVED ONCE BEFORE BUT THEY ADDED IT BACK. IM SURE THAT WAS ADMISSION TO GUILT. I HAVE BEEN DENIED CREDIT SO MANY TIMES BECAUSE OF IT.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credit, I was unfairly charged overdraft fees. 

This issue appears constant with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion disclosure report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Checking or savings account

Discovered fraudulent charges started on my Citibank checking account on XXXX XX/XX/22 I have tried to get Citibank to assist after they acknowledge it was fraud and at every turn no resolve. Zero resolve to date I have been a loyal Citibank customer for XXXX years. 

I just need help recovering the {$5600.00} that was stolen from my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by a Wells Fargo member who also committed insurance fraud. I was tricked into purchasing fake insurance for a potential residential cleaning contract, which was also a scam. I was told since my LLC was less than 2 years old, the only way the company would issue the policy was for me to pay the down payment on the yearly premium which was {$1800.00}. After going through what was said to be underwriting, the rep came back and said the only way to get the policy issued was to pay the entire year upfront which required me to send another {$1800.00} via cashiers check and deposit the funds in what was supposed to be the CEOs account being there card system was down. Remind you, the contract was for {$160000.00} for 4 months. I have emails, recorded calls, a police report ect. After the funds was sent on XX/XX/XXXX, we had a scheduled meeting at the condominium that we were suppose to be cleaning at XXXX but no one showed up which raised a red flag. So after being put on the run around for the next 4 hours, we realized we were scammed unfortunately. After I filed the police report, I went straight to Wells Fargo where the money was deposited. They told me they were not taking walk ins and that I would have to schedule an appointment which I did. However, it was for a week later. On XX/XX/XXXX I decided to call Wells Fargo and see if I could get things done over the phone. I spoke with a rep there, provided him with everything that happened. He told me Wells Fargo would begin an investigation. Another 3 days went by without me hearing back from them so I decided to call back. This time I was told something completely different. I was told they had no record of the complaint I had previously submitted being it was not properly submitted. I had to go through everything again to be placed in a waiting pattern again. On XX/XX/XXXX it would have been a full month since the scam and I have yet to hear back from Wells Fargo. No one called me to request additional information regarding the scam, which I was also a advised. With this amount of time between the incident, the criminal will be long gone. I demand a full reimbursement of my {$3800.00}. Me and my wife had to miss work, waste gas and time, fees to get the cashiers check not to mention delayed on closing on our home being the {$3800.00} was part of the down payment and closing cost.
Product: Money transfer, virtual currency, or money service

Cash app froze my funds ( It was only around {$200.00} but it's the principle ) due to a fraud company sending them a notice that I had a XXXX  XXXX. I have no ties to that company so I went on line and got my dissolved papers for my old business that we paid off our bills and closed during the pandemic. We no longer have the business and all cash app had to do was go to the secretary of states office online and search my name. 



The least cash app could do was send the funds back to the people who sent the money to my cash app. 



I can't even close my cash app account, they want let you close the account if you have funds in it and they want let you cash the funds out? 

Cash app is so messed up. 



When I first got the Cash app, there were several fraudulent charges on my bank account for {$5.00}? I had to get a stop payment reversal through my bank. The bank said that they didn't know how Cash app was able to charge my bank account that wasn't even linked to the Cash app card?
Product: Debt collection

Select Portfolio Servicing refuse to legally acknowledge XXXX bankruptcy laws for property ( XXXX XXXX XXXX XXXX XXXX Nevada XXXX ) successfully reorganized to new contract and ultimately discharged in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting and falsify the servicing for balance of old loan of old debt agreement discharged and restructured in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws for debt collateral ( {$120000.00} ). Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure based on XXXX loan with XXXX XXXX XXXX without legal authority. Collecting cash since XXXX ; yet, refuse to apply cash payments paid since XXXX in total {$180000.00} and based on {$310000.00} due for debt and deceptive collection of the amount owed. Sent countless QWR over the last years, as well as, hired attorneys in excess ( $ XXXX ) to help resolve. Most recent action filed CPFB # XXXX.
Product: Mortgage

I purchased my home in XX/XX/XXXX, located in XXXX, TN, XXXX, and initially secured insurance through XXXX XXXX, a provider recommended by my agent. However, I became dissatisfied with their coverage options and user interface after a few months, prompting me to switch to XXXX in XX/XX/XXXX. I have documentation confirming this change, as my lender, Rocket Mortgage, requires escrow for insurance payments, and they covered the premium for the year. 

In XXXX, XXXX was acquired by another company, and they subsequently sent renewal notices to their previous policyholders. Without my consent, they contacted Rocket Mortgage and switched my insurance back to XXXX, causing Rocket Mortgage to pay them again from my escrow account. I received no prior notification of this change, and no policy number was provided to me. 

In XX/XX/XXXX, I received a renewal notice from XXXX, and everything appeared to be in order until I attempted to file a home insurance claim. To my surprise, XXXX informed me that my insurance had been canceled a couple of months earlier due to non-payment. 

After numerous phone calls, I discovered that XXXX had canceled their auto-renewals shortly afterward and claimed to have issued refund checks, the status of which they can not confirm if they were cashed. However, they failed to update Rocket Mortgage, which continued listing them as my insurance provider, leading to my actual insurance not being paid. 

This situation is exacerbated by the fact that my house is now uninsured, and XXXX, my primary insurance provider, refuses to reinstate my policy due to non-payment. Rocket Mortgage 's response to this situation was unhelpful, essentially telling me to find another insurance provider. 

Given that my rates have increased due to being uninsured and my previous insurance being canceled due to non-payment, I am left wondering if I can sue my lender for negligence. It raises questions about the purpose of escrow if I am left to bear the consequences of their failure to make timely payments.
Product: Student loan

My parents took the loan out in my name. Only being a teenager I had no idea what this meant. I am now in my 40s, single mother trying to go back to school to get a good job and I cant because of this student loan that at the time I had no idea was going to haunt me for 20+years. I just want to better my life for my children and I cant.
Product: Credit reporting or other personal consumer reports

XXXX business credit card with XXXX  XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.