23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Consumer Loan

When buying furniture for our new house, we got a nice 60 month no-interest loan with Wells Fargo through the store. After setting up automatic payments, which for some reason took months to start, a representative told me that it was set to pay the full amount of the loan instead of the monthly balance so we cancelled it and I set up a new automatic payment for the monthly balance instead. 

The next month, after making manual payments the whole time, I called in to check if the automatic payments were in place. The representative told me they would start the following month. Because I had spent HOURS on the phone with Wells Fargo, I asked, " So if I make XXXX final manual payment, I will never have to worry about it again? '' The representative assured me that was the case. 

Two months later. My manual payment took care of the month in between but when I logged in to see how it was going I was charged a {$25.00} late fee because the automatic payment was STILL not in place. It was unbelievable! A Wells Fargo representative assured me this would not happen. I called in, escalated the call, and the manager did not care. He told me it was my responsibility to ensure payments were being made and that he would not refund the fee. 

Knowing that troubles like this would continue, I just paid off the loan. It set back some financial plans I had over half a year, but I knew I did not want to maintain that kind of relationship with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. These are the following accounts need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX and this is my 4 attempt to obtain my consumer file and report from EXPERIAN. I have uploaded a screenshot of this last attempt. I am using the CFPB in hopes of obtaining my consumer fie and report from EXPERIAN.
Product: Vehicle loan or lease

Complaint XXXX My complaint is intended for WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank NA shows as a lien holder on my title with Illinois Secretary of State. 
XXXX XXXX is a partner with Wells Fargo and also appears on my registration. 
My vehicle was a lease vehicle. I paid-off the lease & purchased the vehicle over 2-year ago. 
Named parties involved in the transaction were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Wells Fargo listed above. XXXX XXXX, XXXX XXXX XXXX Wells Fargo are known to be business partners that provide auto financing and leases. 
XXXX XXXX, XXXX XXXX XXXX Wells Fargo do not have any financial interest in my car and should cooperate in clearing my title. 
I have provided the VIN number and car registration information. Title information can be verified on the Illinois Secretary of State web site by searching the VIN. 
I have provided information to confirm I paid off the lien Also provided is a form with contact information for the Illinois Secretary of State that can be used by Wells Fargo to communicate that Wells Fargo has no ownership interest in my car. 
The referenced complaint was filed XX/XX/2022. Since that filing, I have received a call & email from XXXX XXXX XXXX XXXX at Wells Fargo. I also received email and spoof call from XXXX XXXX XXXX caller id shows the phone number used by both XXXX & XXXX as being from XXXX XXXX. 
It is obvious that Wells Fargo representatives do not want to be properly identified as they do not provide last names, employee identification numbers and they share the same phone number which is identified as being their own personal phone extensions. 

My request should be very simple for a Lender. I want a release of lien or a certificate of error and/or anything appropriate document to clear my title. Wells Fargo, XXXX XXXX XXXX XXXX XXXX do not seem well informed on what happens when a lease is paid-off early and the car is purchased by the consumer.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am writing this compliant to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without my permissible purpose and in violation of my rights as a consumer. These hard inquiries are not in relation to any open or active accounts. These hard inquiries have adversely impacted and exhausted my credit report, which have affected my credit worthiness as a customer. I kindly request that Equifax to remove these hard inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C 1681b ( f ) ( Permissible Purpose ). I am attaching a formal letter from XXXX XXXX to remove the unauthorized hard inquires. I have brought this matter to Equifax 's attention via telephone and when disputing the hard inquiry on my Equifax account, however there has been no resolution to this matter. 

I believe that the inquiries made by the aforementioned businesses were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C 1681b. My interactions with the companies involved clear communication that I authorized a single credit check for a specific purpose. However, they proceeded to make multiple hard inquiries on my credit report which were not in line with the agreed-upon terms, nor did I sign any documentation to run my credit report as a hard inquiry multiple times. 

15 U.S.C 1681b of the FCRA explicitly defines permissible purposes for accessing consumer credit reports. These purposes include, but are not limited to, credit transactions, employment background checks, and account review by existing creditors. The companies in question did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law. 

If no permissible purpose can be established for one or more of the inquiries, I request that Equifax takes the necessary steps to have these hard inquiries removed from my credit report.
Product: Checking or savings account

I lost my wallet and requested a new debit card from Ally bank via their website on XX/XX/XXXX. The website stated that my new card would be delivered via expedited shipping in 1-3 business days. I still did not receive a card on XX/XX/XXXX. I chatted with customer service online, as well as on the phone ( I spoke with both XXXX and XXXX XXXX. They informed me that the website is incorrect and that I would not receive my debit card for another 3-4 business days. They could not provide a tracking number. If the new card arrives in the next 3-4 business das as promised, I will have been without any access to my money for 10+ days. 

I trust the information provided on Allys website to make decisions about my finances. Ally failing to ship my new debit card in the timeframe they promised me as caused me considerable trouble and stress. I am very upset about this situation and I would like my new card sent immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuits significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This pack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Owed a credit card, they wrote it off. Another company apparently bought the debt. Ive never received anything from the other company. I just seen it on my credit report. They had someone drop off a package yesterday. Its a lawsuit for more than what I originally owed the actual credit card company. I dont know what to do.
Product: Mortgage

On XXXX XXXX, XXXX, I submitted to OCWEN a Escrow Termination Request. After calling Customer Service @ Ocwen, I was advised to write and forward the request in writing. 

On XXXX XXXX, XXXX I received a denial letter from Ocwen ( attached ) stating due to " HAMP Guidelines '' my loan had to be escrowed for three years. 

On XXXX XXXX, XXXX, three years later, I submitted another Escrow Termination Request letter. Again, I was denied, stating due to " HAMP Guidelines '' my loan had to be escrowed for five years. 

After several calls, complaints to XXXX, Obudsmans office, I was finally told by the Obudsman office that it is not a HAMP guideline but an OCWEN guideline that they are enforcing. 

My concern is the fact that OCWEN continuously states it is a HAMP guideline when it is not! What OCWEN is claiming to be HAMPs guideline is : " The account must be escrowed as a requirement, and the escrow account may be waived at the servicer 's discretion. '' This is not stated in my terms and conditions as " guidelines '' to my loan. 
Being waived at the servicer 's discretion has no time frame on it ( 3 years or 5 years ). My concern is at the 5 year milestone, they could deny me again with another stipulation. I believe this is unlawful. 

I meet all of the qualifications of an Escrow Termination. 
1. The account must not be delinquent within the last 12 months. 
2. The current loan to Value ratio must be less than XXXX % 3. The escrow balance must not be negative 4. Taxes and Insurance must not be due with the next 45 days 5. The account must not have an active Lender Placed Insurance Policy 6. If waiving tax escrow, all tax lines must be waived, Similarly, if waiving hazard insurance escrow, all hazard lines must be waived 7. All waiver request mush be received in the form of a written request from the borrower. 
If you could PLEASE assist me in terminating this escrow account, it would be much appreciated. 

Regards,
Product: Credit reporting or other personal consumer reports

I just recently looked at my Trans union credit report XX/XX/2024. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX  - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX  - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

I Had charges that were made on my XXXX XXXX credit card it is issued through Barclay, there were 2 cash advances that were made on my credit card for charges that I did not make nor did I Authorize. I have been going back and forth with Barclay for the last 3 months to have them issue a credit to my account they refuse to do so. The told me I am responsible for these charges,, even though I did not make them I am the only person authorized to use my card. they refuse to credit me or go after the company that charged my account to dispute these charges. While these charges were being made I received a text from XXXX XXXX Barclay asking about these charges and I responded back to them NO I did not make them, so they closed my account immediately and sent me out a replacement card. 
Charges were made on XXXX {$210.00} / XXXX {$100.00} Cash advance fees XXXX XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : XXXX XXXX : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in FULL my collection account with portfolio recovery which is a collections agency back in XXXX of 2020. They have already reported their portion to the credit bureaus. But the original creditor which is Comenity Bank/ Victorias Secret has not deleted or at least updated charged off status notations to PAID IN FULL. I spoke with collections agency and they stayed they already updated their part but can not change delete the reportings made by Comenity Bank/ Victoria secret . In speaking with Comenity they are refusing to assist in either deleting or updating the ACCURATE information which is not charged off but paid in full. And it has been this way for months since XX/XX/2020. They are stating at Comenity The day do not make a notation or adjustments that I have to speak with the collections agency but they are not understanding the collections agency has done their job and Victorias Secret has to do their part of their job and they are not willing to assist. This is continually affecting my credit report. I did my part in good faith by paying in full and declining their offer to settle for less. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones that showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones it showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. They are just telling me there is nothing they can do after taking my payment at the collections agency.
Product: Money transfer, virtual currency, or money service

Cash app has closed my account due to fraud & violations after I reported the fraud to them. However they are now saying that I authorized the very fraud that took place on my account. I am looking to take legal action if funds are not returned. My cash app name was changed & over {$10000.00} was immediately transferred with no fraud alerts. They are claiming the fraud to shut down the account that was compromised, but refuse to return any stolen funds from what I reported.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to avoid providing me with the information that I've requested from them in regards to their " investigation ''. I want to know the person 's name at Experian who verified the accounts, the documents that he/she used to verify, and their business phone number and address. It's my right to see this information. There's no way for me to know if they really verified this information without this information.
Product: Debt collection

An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from Portfolio Recovery Services on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Product: Credit card

My wife and I applied for a construction loan last year and when our credit was pulled it showed that I was an Authorized signer on her credit card account with Citi. We have called multiple times, faxed letters requesting that they remove there false reporting 's from my credit. I started this in XX/XX/XXXX and in XX/XX/XXXX they agreed to remove me as Authorized signer, but will not fix my credit. I have never had a credit card with Citi and would really appreciate it if you could resolve this problem. I give you permission to contact my wife XXXX XXXX in this matter as it is easier for her to receive calls and emails due to her work.
Product: Debt collection

I filed a police report a few years ago when tax returns were submitted in my name by someone other than my mother. Mother requested I get a copy of my credit report as well and we discovered several unknown accounts had been established in my name.     That said, a  XXXX    XXXX    XXXX  account was placed on my credit was later removed. Now I am receiving harassing phone calls from a collection company in regards to the  XXXX    XXXX   account. The company  Law Offices of Patenaude & Felix, A.P.C . have also accessed my personal credit report and just recently sent me a collection notice requesting that I pay them {$1700.00} when a notice in the past said the account was for {$1000.00} bucks.