23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX ( XX/XX/XXXX to be exact ), my partner and I decided to merge our cell phone plans into a family plan. She was a XXXX customer and I was an XXXX XXXX XXXX customer. We decided to go with XXXX for our new family plan meaning that I would be cancelling my XXXX XXXX XXXX account. I called XXXX XXXX XXXX customer service notifying my intention to do so, and the agent that I spoke with notified me that my account was fully paid up, and since I was only a few days into my billing cycle I would owe a prorated amount ( amounting to $ XXXX- {$15.00} ). My account was cancelled and I was now on a XXXX family cell phone plan. Fast forward to XX/XX/XXXX, when I received a {$100.00} charge on my credit card from XXXX XXXX XXXX. I called them to ask what the charge was for, and because my account was cancelled they were unable to look me up in their " system '', and I was transferred from one to department to another. I spent four hours on the phone ( mostly on hold ) and was transferred to five different departments. Not one of them was able to tell me what the charge was for. So I contacted my credit card company and disputed the charge. XXXX XXXX XXXX 's answer to the dispute that it was for an unpaid part of my cell phone bill without providing details as to when and what. I told them that I had automatic billing set up on my account, so it was always paid in full, and there should not have been any unpaid charges and that this was not what their customer service agent had communicated to me back in XX/XX/XXXX when I cancelled it. They still were unable to tell me what the bill was for beyond " unpaid balance ''. They were unable to provide a complete history of monthly invoices with corresponding payments so that I could see where this mysterious balance had come from ( and since I had cancelled my account I was no longer able to access my online account to do so ). Since they were unable to plausibly show me what I owed them this {$100.00} balance for, I refused to settle with them and my credit card provider ( XXXX ) blocked them from making any future charges. Following this XXXX XXXX XXXX sent this to a debt collector, which is why I am filing this complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a {$200.00} virtual Vanilla gift card from XXXX with order # XXXX. 

I forgot about the card and tried to use it this past XXXX, XXXX however, the card had expired on XX/XX/XXXX. On Vanilla gift card 's website it says vanilla e-gift cards don't expire for 9 years. I called and Vanilla would not re-issue me a new card and told me I had to talk to XXXX. I contacted XXXX and they asked for information. It took over a month to get ANY kind of resolution and they remarked that I had to speak to Vanilla. I am troubled by both XXXX and Vanilla Gift 's card response to me. 

I have attached the gift card, screenshot of the order, and the information on Vanilla 's own website of the expiration of gift cards. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX corporation by mail four times on XX/XX/XXXX did not hear back from them. I could not get a resolution for account ending in XXXX asking it to be removed from my credit file or updated due to it impacting my credit in a negative matter this account is paid in full which payments being made on XX/XX/XXXX for {$44.00} and also again on XXXX for {$44.00} leaving my balance at XXXX it still shows a late balance of {$88.00} past 60 days I do not have this card or account anymore due to it being stolen which I reported back in XXXX I would like this removed from my credit file I did send four letters into the company directly did not hear back from them I tried contacting them by phone over eight times and I faxed my credit report showing that this is still on my credit file at XXXX extension XXXX and I was told it would be removed which it still has not been to this day
Product: Checking or savings account

I went to Wells Fargo 's XXXX XXXX location in XXXX, Tennessee for a scheduled meeting to conduct a wire transfer. I met with my private banker XXXX XXXX at XXXX XXXX  CST. I opened an account for a safety deposit box and then moved forward to make a wire transfer. I was attempting to make a wire transfer of {$320000.00} to a company I do business with in XXXX. XXXX explained that she was going to need to call for a code to complete the transaction. She called to request the code and was placed on hold for 15 minutes. When someone picked up the phone it was a gentleman named XXXX. He proceeded to ask XXXX : how long have you known Ms. XXXX? Why is she sending this size wire? Why would anyone pay her this much money? Can you send me a copy of her driver 's license? He then puts her back on hold for another 36 minutes. When he comes back to the line, he tells XXXX he is opening an investigation into the wire. I was shocked and alarmed by this statement. 

XXXX apologized for his behavior. I later received a call from an XXXX in the fraud department telling me my account is being closed because the wire was being recalled because of fraud. I asked her why was that the case when I had submitted a Client Information Sheet, Anti-Money Laundering agreement, an engagement agreement, a copy of the sender 's passport, and a copy of the wire transfer slip to my local branch. She said the wire was being recalled and it was nothing I could about it. I told her I was filing a complaint because this was the second time in a year I have had problems with Wells Fargo regarding large deposits into my account. Last year I had {$250000.00} deposited into my account and I was accused of money laundering. 

I spoke to the sender of the wire and she did tell Wells Fargo she was going to recall the wire because she did not like the questions they were asking her. She did go to her bank on Tuesday, XX/XX/2021 to let them know she was not recalling the wire.
Product: Debt collection

Im am unaware of this debt I did not have a opportunity to dispute this information if in fact you believe you gave me the proper notification then please send me the certified receipt with my name on it my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Product: Credit card

Well, It all started in 2007 when I applied for a secure credit card with Wells Fargo Bank. I put down XXXX to open it the credit card. I did n't use the card that much, only to rent cars to go out of town. At the end of last year I found out that the secure credit card was no longer a secure credit card but a unsecured card card. I had called Wells Fargo Bank to check out my balance for my secured card and that was when the banker informed my that my card was unsecured. At that time I asked the teller where was the money I had put down to open the card and he said they had sent me the money {$1200.00} check in the mail. I told them I never received any check from them and he said that the check was returned to them because of incorrect address. I then asked them can they mail the check back to me with the correct address, but he said no because it was sent to the Nevada XXXX and I would have to contact them. 
I had contacted the Nevada XXXX but they said that nothing in their system show a check sent to them in my name. They looked through their system with my different names ( last ) and also with my social security number but NOTHING. I have called back and forth with Wells Fargo, I even went to a branch to try and get some answers but no luck, I 've also been dealing with Nevada XXXX with no luck. I am SO tired with Wells Fargo Bank giving me the run around. I need some answers or better yet my money that I am entitled to. PLEASE HELP!!!!!
Product: Checking or savings account

Certainly, here is the revised letter incorporating the additional details : -- - **Earley XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX XXXX XXXX XXXX XXXX, XXXX XXXX*Navy Federal Credit UnionXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam , I am writing to formally address a breach of contract, violation of fiduciary duty, and violation of indentured trustee 's fiduciary duty concerning my account, which I will add pictures. 

On XX/XX/XXXX, Navy Federal Credit Union wrote off my debt without providing me with the necessary Form 1099-C for the cancellation of debt. According to IRS regulations, a creditor is required to issue a Form 1099-C to the debtor when a debt of {$600.00} or more is canceled. The failure to provide this form constitutes a breach of contract and a violation of your fiduciary duties.

As a result, I respectfully request that Navy Federal Credit Union : 1. Immediately remove the charge-off notation from my credit report as it is unjustly affecting my credit score.

2. Issue the required Form 1099-C for my records and tax purposes.

Given that the debt has already been written off on your side, I expect the necessary documentation to be provided promptly or the charge-off to be removed from my credit report as an act of goodwill. 

I appreciate your immediate attention to this matter to rectify the situation. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the cre
ditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) against Michigan XXXX XXXX XXXX regarding their reporting on my Equifax and XXXX credit reports on XX/XX/year>2024. It is now XX/XX/year>, and I have not received any response or update regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), credit reporting agencies and furnishers are required to conduct a reasonable investigation into disputed information within 30 days. Michigan XXXX XXXX XXXX failure to respond and investigate within this legally mandated timeframe is a violation of their obligations under the FCRA. 

Moreover, under FCRA 607 ( b ), both credit reporting agencies and furnishers must ensure the accuracy of the information they report. By failing to respond to my dispute, Michigan XXXX XXXX XXXX is not only violating my rights as a consumer but also breaching their responsibility to report accurate information. Furthermore, both XXXX and Equifax are noncompliant as well, as they are obligated under FCRA 602 ( a ) to provide consumers with fair and accurate credit reporting. Their continued reporting of this disputed information without proper investigation undermines the consumer protection laws designed to ensure accurate reporting.

Additionally, FCRA 616 establishes that if a credit reporting agency or furnisher willfully fails to comply with the requirements of the FCRA, they may be liable to the affected consumer for actual damages, punitive damages, and attorneys fees. The lack of response and action from Michigan XXXX XXXX XXXX, XXXX, and Equifax suggests a willful disregard for their responsibilities under the FCRA. This delay and lack of response from all parties involved indicate that they are engaging in unlawful business practices by not adhering to the FCRA 's requirements.
Product: Credit reporting or other personal consumer reports

My credit information was apart of several data leaks that exposed my information. My information has shown up on the dark web as well as many other places including addresses, email info and password information. I received scammer calls daily now because of the data info leaking. Experian acknowledged that the security failure persisted for nearly seven weeks, between XXXX XXXX, XXXX and XXXX XXXX, XXXX. I believed to also be involved in the Experian XXXX XXXX XXXX data leak as well. I also believe that my data was leaked in the Experian XXXX data leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

Essex Mortgage company - originally I got the mortgage XXXX XXXX  and within 30 days they changed my company and within 60 days they reported to credit bureau I was late. I sent the payment to my first company, thinking they were gon na be holding my mortgage. I conitnue to make the payments to Essex after I moved into the house and my credit score had dropped. I then found out they had reported me late and charged me late fees for everypayment after that. I disputed with the company and they told me to dispute it with the credit bureau and that they did not have it on their records that I was late. It is showing on my credit report that they did report me late. 
I already made a report the cfpb and essex reported that it was fixed in XX/XX/XXXX in their response. However as of XX/XX/XXXX it is still reflecting on my credit report.
Product: Credit reporting or other personal consumer reports

I have a previous complaint with Synchrony Bank because when I got my Credit Utilization to 30 % on my Lowes card I received a letter from them stating they were lowering my Credit Limit. It dropped my Credit Score almost XXXX points because it then showed my utilization 98 %. The response from Synchony in my complaint is they randomly pull credit scores and adjust limits when they pull credit. 

XXXX XXXX I received a letter from Synchrony Bank for my Synchrony Bank Discount Tire Card. I recently paid it down to 30 %. My balance on the card was {$620.00} and my limit was {$1700.00}. My letter on XX/XX/XXXX stated they were lowering my limit to {$650.00}, which again puts my credit utilization back up to 98 %, my score dropped XXXX points. The letter stated the same exact thing, a review of my credit caused my limit to be lowered. Well, I monitor my credit. On the day I got my card in XX/XX/year>, my credit score was LOWER than it was on XX/XX/year> AND my XXXX  was HIGHER. I have it all printed out. I also have the approval sent to me when I received my card. So how do they explain it NOW? 

I also PAID OFF THE CARD and have requested them to report to my credit the XXXX balance and the have refused. I disputed it on my credit reports with verification that it has a XXXX balance and I received my dispute back saying the information is correct and will stay on my credit. 

This is unfair credit practice and I am currently seeking out a fair credit attorney.
Product: Mortgage

I'm refinancing my house, my escrow company have requested a payoff from SLS  ; Superior Loan Servicing " which is servicing company that California XXXX XXXX XXXX " private lender '' use to service the loan. 


Escrow and loan officer has been requested for payoff since XX/XX/2020, XXXX is XX/XX/2020, Private lender haven't sign payoff. 

SLS have emailed and calls lender to ask to sign the demand for payoff. But lender refuse and make excuses not to sign the demand for payoff. Lender have call me directly and made offer to keep the loan, I want to payoff the loan. I want to know what can CFPB do for the private lender to sign the demand for payoff so i can payoff this loan. 

my name is XXXX XXXX XXXX XXXX email is : XXXX phone # XXXX
Product: Credit reporting or other personal consumer reports

For the past 2 months I've not been able to view report when logged in and/or place security freeze on my account. I have called several times but never got it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed 2 credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : XXXX XXXX Barclays
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 {$0.00}, {$6300.00}, {$83.00}. 
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 {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Product: Student loan

XX/XX/XXXX submitted the PSLF application XX/XX/XXXX XXXX rec 'd a letter indicating my loans were being transferred for Public Service Loan Forgiveness Eligibility Confirmation XX/XX/XXXX I rec 'd a welcome letter from Fed Loans that indicated my loans had been transferred. 

My eligible payment count did not include any payments I made to US Dept of Education from XXXX XXXX XXXX 

XX/XX/XXXX. Contacted Customer Support. They had me reapply for PSLF all over again AND and upload any proof I had of making those payments because the services had gone out of business. I submitted the 1098-N showing student loan interest paid for each year in question to the website. 

XX/XX/XXXX - Uploaded all of my available bank statements showing payments were in fact made for the 5 years I was not credited for PSLF payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a XXXX delinquent bill to Goldman Sachs bank. It is listed as overdue since XX/XX/2022. I do not have any accounts or credit cards with goldman sachs. I have called goldman and verified that they do show a delinquent account in my name. They indicated that I needed to fill out this form to help them verify that it is a fraudulent account.
Product: Credit card or prepaid card

I have never authorized or opened an account with Citi bank ending in XXXX. I have previously contacted Citi and complained to them about that Citi bank fraudulently opened an account and have been sending me monthly bills with late charges
Product: Mortgage

I was advised on XX/XX/XXXX that an Escrow Mortgagor Disimbursent had been processed on XX/XX/XXXX by PHH Mortgage Company owned by Ocwen Financial due to receipt of proof of homeowner 's insurance from me. I was told it had been mailed using first class postage by the USPS and  would take 7-10 days, this isn't true. I also have requested to cancel the Escrow Account and was told that the company would have to send me a De-Escrow Account form to complete and return as soon as received. This was also requested on XX/XX/XXXX. I am extremely disappointed with this mortgage company for failing to provide any assistance to my requests. My homeowners insurance information was submitted to them from my homeowners insurance company on XX/XX/XXXX showing that the coverage was effective XX/XX/XXXX through XX/XX/XXXX. I also provided them with proof of coverage valid for the same dates. 

Based on the company 's practices I will have to continue to pay an additional {$110.00} monthly until they provide me with their so called De-Escrow Account form. I found your website on the internet and am seeking assistance from you with this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX friend alerted me I had send her money on Venmo. I had no and when I went into site saw where someone was getting $ XXXX.out of my checking. I removed financial information from account that day but money moved from my checking next day. Venmo says investigating but may take weeks for refund. XX/XX/XXXX another {$1300.00} removed from checking even though financial info removed.Venmo not very helpful. Also had fraudulent activity in PayPal but refunded same day