23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX contacted me via email to inform me there was a collections placed on my XXXX credit report. I immediately got the collection info and called them Jefferson captiol. Bear in mind I never knew existed. Never received no notification from them. When talking on the phone with them they didn't even know my contact info. I gave it to them to update their records. My right to validate ( give me written notice or dispute this was never given to me they just went ahead and put something damaging on my credit report ( XXXX ) from XXXX. It's from a supposedly cell phone bill. The company is XXXX  which they were bought by XXXXXXXX XXXX is my current cell phone provider which has been for years and I'm up to date on my monthly bill. After speaking to operator XXXX she informed me that I will be receiving a termination of collections from this account and then can give it to XXXX to take off my credit report.
Product: Mortgage

I mailed a check on XX/XX/XXXX and it was received on XX/XX/XXXX. I reviewed the statement which is attached again the funds were misapplied and then put in the principal. I even attached a letter stating the check # and where to apply it to. I even provided with the check stating my acct # and escrow. 

Again I have attached the last time this happened and the response from Wells Fargo and this is less than a year say 11 months ago when done the same thing. 

What is going to take to for someone to read. I am tired of the excuses that it is a 3rd party company doing this etc. See the attached letter the excuse from XX/XX/XXXX How many more complaints do I have to file. Is there incompetent people that do not read or ignore where to apply it? It is clear on how many times I have put it stating where to put it in escrow including letter. 

I am getting tired of filing complaints like this every 11 months or less.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX 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: Debt collection

On several occasions I have written to get Midland Funding to prove the validity of their alleged debt showing up on my credit report. I am including original letters dated XX/XX/XXXX and XX/XX/XXXX I have many more letters which I could produce. I have also written to the credit bureaus asking for their help. To date, no one has responded. Unless someone can produce documentation showing that the information being reported is 100 % accurate and 100 % verifiable, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX XXXX XXXX credit cards XXXX and XXXX, today, Experian responded to a dispute that the result changed nothing ... and Experian REFUSED TO REINVESTIGATE.The nature of the dispute was that the closed account XXXX was reporting open when it is closed. 
and the open account XXXX is reporting closed.THE EXPERIAN investigation did not change the incorrect status. 
I don't really care if the creditor or the bureau is at fault, I want accurate reporting and that's all. 
Tonite, because of the misreporting I have closed XXXX. 
I want no further connection to incompetence in financial matters.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXXXX/XX/2023. This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate. 
15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to close cellular account and did not credit my returned devices stating I owed XXXX  and sent to source receivables for collection. disputed with credit reporting agencies XXXX, Transunion, XXXX and they failed to investigate dispute.
Product: Credit card or prepaid card

On XXXX XXXX I received two letters, one from XXXX Bank and another from XXXX XXXX alerting me that an application for a credit card had been submitted but they were unable to process this application without speaking to me directly and verifying the information provided. I reached out to both banks and realized I had been a victim of identity theft. I contacted the credit bureaus and received copies of my credit report which listed inquiries made. The thief made well over XXXX inquiries on my behalf, all of which were never processed and were under review by the creditors- except one from Capital One. 

I received a letter in the mail dated XXXX XXXX, 2017 from Capital One, it is addressed to my current name stating, " We need to reach you because we think a credit card account may have been opened fraudulently ... '' My complaint is this, the thief is using my maiden name which by the way is misspelled, they are using a date of birth that is not correct, and they are using the wrong mailing address. How is it possible that every single bank/creditor was able to make sense of this fraud but yet Capital One still opened up an account. 

I reached out to Capital One and sure they were very pleasant to speak with and stated the account had been closed per our phone call but my problem is that it was opened to begin with. My personal information has been put out there and it is a scary feeling knowing someone is using it, what 's even scarier is that banks such as Capital One feel it is okay to open up an account when there are clear red flags. They suspected fraud and still moved forward with approving it.
Product: Credit card

I recently applied for a credit card through CHASE. When I applied I was immediately denied. After receiving the Adverse Action letter with explanation, it became apparent what was happening. In accord with the Truth In Lending Act produced by Congress, the definition of " Credit '' is the " right '' granted by a creditor to a debtor to defer payment or to incur debt and defer it's payments. Since the banks recognize the Uniform Commercial Code and abide by the rules of said code, I am cognizant of the fact that I am at the age of majority and legally competent to understand UCC 3-306. UCC 3-306 states that a person taking an instrument ( my application ), other than a person having rights of a holder in due course ( CHASE ), is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds. A person having rights of a holder in due course takes free of the claim to the instrument. This situation is unique because commerce is run and regulated by Acts of Congress. One of these Acts being the Federal Reserve Act which specially in Section 16 that my application for credit to any Federal Reserve Agent is considered to be a collateral security. This security can be sold for CHASE the bank to profit off from. I hope the problem here is obvious at this point. When I was denied the extension of credit, by CHASE, I gave CHASE a financial asset that could be sold, but I received nothing of value. I granted CHASE my private credit. This is completely inequitable. Because the SEC and FTC oversees Securities, my next steps would be to do formal complaints, FOIA requests and next to bring legal action. I take this very serious and appreciate the opportunity to make my voice heard through the power of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that a new hard inquiry was placed on my Transunion credit report on XX/XX/2020. I called Transunion the next morning and spoke to two different reps to try to get the inquiry removed. I already had a fraud alert in place on my report prior to this, so I thought removing the inquiry should be no problem. Neither one of the reps would remove the inquiry and stated that I needed to contact whoever placed the inquiry on my report. The inquiry was from XXXX, so I contacted them and they state that I have to do a list of steps just to get the inquiry removed, one of which is filing a police report. I believe this is very excessive and not fair to me as the consumer. Why must I have to go through all of this for them to remove an unauthorized inquiry?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.
Product: Checking or savings account

On several occasions I will go to bed with a positive balance then wake up with an overdraft fee associated with a negative valve that wasnt there the night before. 
Anytime my account goes negative I receive a text message and I refund the account prior to XXXX which is their cut off time. 
However they process things out of order and will not give you an opportunity to correct or refund items that cha XXXX over process over night. Theres no warning and no time given to fund our account. For example on XX/XX/2021 I received a text saying my account was negative XXXX I checked my account later that day to Find it was XXXX at XXXX EST I transferred money from a different regions account exactly {$9.00} to cover the negative balance. I had a positive balance of XXXX however on XX/XX/2021 I woke up with an overdraft fee for charges that apparently process over night out of order that over XXXX my account by XXXX. 
This is the XXXX time in XXXX weeks that regions has done this. They admitted their processing is XXXX but refuse to refund me
Product: Checking or savings account

Discover bank will not allow a CD to stop the auto renew option until a short window of time towards the end. If I don't remember to change it at the very end, it renews without my permission. They need to allow this to be edited at any time so it does'nt renew at termination.

This is a very poor business practice that is not fair to people. The regulators should stop this from happening. I am not asking to be able to cancel the CD mid term, I am only asking that I should be able to provide instructions to not renew it at any time during the term. 

Discover is not fair to their customers! This is a deceptive business practice.
Product: Vehicle loan or lease

Wells Fargo Bank had a 3rd party CPI insurance company watching all of Wellls Fargo Loans for not having full coverage. They had a crystal ball and when they felt the Insurance The person had was dropped they would stick CPI on it as a Favor for Wells Fargo and Then send Wells fargo a commission check. They were so Kind. To bad the Cpi They stuck on my Truck was not needed and it caused me because of auto pay to overdraft my savings and Checking and then Wells Fargo was so Kind as to Charge me every fee they could think of.it caused me to loose my truck and it was Fraud. I need to be Taken care of for my massive out of pocket losses. XXXX. on top of the XXXX they have given me. If Wells Fargo Cant find that kind of money somewhere they can send me out for outside mitigation because I AM NOT HAPPY WITH THE XXXX THEY TRYED TO GIVE ME>
Product: Money transfers

I contacted Western Union for an issue with the funds attached with my Western Union account. I contacted Western Union on XX/XX/2015 at XXXX XXXX in regards to changing the name of the receiver for my Western Union payment. The first person I spoke with was pleasant and helpful, then the supervisor was called because the number was n't the same as the number on file. I explained that I had already changed the number and that the new telephone number was all I had. XXXX then told me that it was a " compliance department problem and they were the only ones able to correct the situation '' he told proceeded to tell " me to hang up because know one would help me ''. After demanding someone else to speak with, he placed me on the line with a compliance officer who told me that it was " in fact the customer service department and them only who could handle such a situation ''. XXXX, the alleged customer service manager at that point because immensely disrespectful and rude. He then transferred me to another person, a woman by the name of XXXX, who was acted as if she was clueless on the processes of the customer service department. She then placed me on hold for 35 minutes and then hung up the telephone. I am overall disgusted and dismayed with the care I received on the telephone and hope that this situation never happens to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the XXXX  Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists CREDIT MANAGEMENT LP Last reported XX/XX/2023 {$260.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2023 ( 3 mos ) Account status Open
Product: Debt collection

I spoke to your company before and informed you that I am in dispute with this debt and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. 

If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. 




Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. 



Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 



This is an attempt to correct your records, any information obtained shall be used for that purpose
Product: Mortgage

My brother and his wife had a mortgage with Ditech Financial LLC. On XXXX XXXX, 2016 they both were XXXX at their home. There are no children, no will, and no money. Despite having provided Ditech with copies of their death certificates, Ditech continues to send form letters addressed to them. I have sent several letters to them asking them to stop. The last letter from Ditech was addressed to my deceased brother telling him they are sorry for his loss and explaining what his spouse needs to do to get information on the account. There are times when form letters are useful and other times when they are inappropriate and hurtful. When I called Ditech a customer representative told me they are " required by law '' to send these communications. While that may be the case, they need to acknowledge the obvious truth in this situation : their customers are both DEAD and there is neither a will nor any surviving children.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a beagle and was advised I could put the rest of the purchase on Easy Pay Loan. I thought the interest was 29 %. I paid a down payment and when I checked by bills months after paying XXXX EASY PAY FINANCE is charging a usurious 199 % interest for the loan for XXXX XXXX XXXX  I left a down payment for the dog and when I got my financing hardly anything was applied by the XXXX. I have been paying for the dog since XXXX {$110.00} bi-weekly. I bought the dog because my husband 's beagle is older and to keep my XXXX XXXX company. I had no idea that I would be paying almost {$230.00} a month for two years. I was told a year and I would finish paying the balance which was a little over {$1000.00}. 

This company is abusing people that want to purchase a dog and lying to them to boot. I I should have paid the pet already and I still owe almost {$900.00} with no end in sight.
Product: Credit reporting or other personal consumer reports

I have moved states and got new phones just want to update my info for job