23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collect Agency has not provided validation information under 12 CRF 1006.34 ( b ) ( 5 ) but yet the placed a collection on my consumer report. 

I have not been given a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- 2 ( 7 ) ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$560.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$570.00}, Original Creditor Name XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$130.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$51.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$170.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX. XXXX, XXXX, XXXX {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

Wells Fargo Mortgage has yet to address the issue that has been Requested. 

Documents not sign by me. 

Its always the run around and nothing to do with the issue that occurred. 

Wells Fargo Mortgage does not deal with the direct issue or have any answer that has any merit to the question/ issue of documents that are not my signature nor did I appear on the document in front of the notary and that is the issue to the Instrument/Deed of Trust I did not personally appeared on XXXX XXXX, 2009 nor did I sign nor was I ever contacted to any corrections agreement nor Limited Power of Attorney There is never no answer to this direct question or why it happen or why Wells Fargo Mortgage ha yet to explain the issue at hand. 

Legally binding contract Personally does not mean some one else signing saying your there and there is no other term to appeared means face to face. 

This is fraud on wells Fargo Mortgage
Product: Debt collection

I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX   for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. 

Upon XXXX the number they provided, " XXXX, XXXX XXXX  XXXX '' comes up. I have been unable to confirm if this is the company or not.
Product: Credit card or prepaid card

on XX/XX/2018 i purchased one XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. complete run and broken in delivered plus shipping cost for {$3300.00}. Part of the payment was a check for {$1600.00} charger to my credit card from Chase made to XXXX XXXX XXXX. The merchant failed to delivere my product that i paid for. on XX/XX/XXXXi called my credit card company and asked for a dispute form so that Chase could dispute my claim with XXXX XXXX XXXX for the purchase i had made with them on XX/XX/2018. i got a dispute form and send send the form i got a response from chase saying that the sale was legal. after writing to the corperate chase excevites told me that they could not dispute my claim on my chase credit card purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}
Product: Credit card or prepaid card

Hello, I recently went through a financial hardship this summer. I am a XXXX XXXX XXXX who works only on commission and because it's getting more and more challenging to find clients I was late on making my XXXX credit card payment.
Product: Debt collection

XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported  to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and  collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Mortgage

I hired several different companies to secure a loan modification and paid XXXX dollars in advance to the companies who violated XXXX and I never received the services or the loan modification I needed in fact I lost my home to foreclosure. The companies I hired and paid are : ( 1 ) XXXX Legal Document Professionals XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX paid {$2500.00} ( XXXX ) XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX paid {$12000.00} ( 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ( 4 ) XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX XXXX paid {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. Experian still showing as XXXX  XXXX/XXXX  XXXX as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
Product: Debt collection

Over the past years, I have experienced significant financial hardship that severely impacted my ability to meet my financial obligations, including payments on my credit card account with Capital One. This hardship stemmed from loss of employment, medical expenses, and family emergencies. These unforeseen challenges resulted in a drastic reduction in my income and an inability to cover essential expenses, let alone meet my credit card payments on time. As a consequence, I regrettably fell behind on my credit card payments, leading to the accumulation of late payments on my account. Despite my best efforts to manage the situation, the financial strain proved overwhelming, and I found myself unable to rectify the delinquency within the usual timeframe.I understand the importance of fulfilling financial obligations and maintaining a positive credit history, but circumstances beyond my control significantly impeded my ability to do so during this challenging period. I am actively seeking solutions to address my financial situation and rectify the delinquency on my credit card account.
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX from XXXX XXXX 's XXXX XXXX, located in XXXX NC. This vehicle was financed with Wells Fargo Bank. 


I paid off this vehicle within 45-days from time of purchase. When I contacted Wells Fargo Bank to pay off the car I was told the title would be mailed 7-10 days. 
Problem is I never received the title, so I called and was told there was some type of error made, and they were mailing my title which I should receive within 35-hours. 

Still, I never received the title. so I called again and was told some different story about how some type of error occurred. and I was promised to receive the title within days. Still no title, so I called again and was told that the title was lost in the mail. now I received something in the mail, that I have to collect signatures from different people and write down the mileage and if the vehicle has been wrecked ETC. And it's going to cost me money. I already paid over {$XXXX} which included taxes, title, and fees. I am not paying for someone else 's mistake. 

I want my title to my car which I have paid off 5-weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Correct Inaccurate Name Reporting on Credit Report To Whom It May Concern, I am writing to request assistance regarding an ongoing issue with The credit bureau inaccurate reporting of my name on my credit report. Currently, The credit bureau is listing my name in several incorrect variations that do not match my legal name and have not done so for over XXXX XXXX This has caused confusion and complications in verifying my identity and in managing my credit. 

My legal name, as stated on my XXXX XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX XXXX. I have contacted The credit bureau XXXX XXXX in an effort to have this corrected, but no action has been taken to resolve the issue. I am requesting that my name be updated in their records to reflect my legal name accurately. 

Please let me know if any additional information or documentation is required to assist in resolving this matter. I appreciate your assistance in ensuring the accuracy of my credit report. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX dollar miscellaneous charge on my account since last XX/XX/XXXX. Managers turn me to other departments and hang up constantly, I have been told to pay what I owe for the month and dont worry about the miscellaneous charge, however, it has been reported to the credit Burea for months and is effecting my credit score, I just called today and got no where, I was told that now an acct manager is handeling this. Than the phone hung up, some of the dates I have called are XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my acct number with Ally bank Auto loan is
Product: Checking or savings account

Due to the policy that Discover has regarding renewal of CDs that require phone interaction in order to stop auto renewal of the CD, I decided to close my account.

When I had the money transferred it took 7 days to become available in my other bank. This is unacceptable and an obvious way for Discover to hold the funds for their own gain. 

Not only is the practice of auto-renewing CDs unfair, the practice of holding the funds for 7 days upon closure and transfer is punitive.
Product: Credit card or prepaid card

Fidelity Investment Credit Card charged me a higher interest rate than what was agreed on for a promotional balance transfer transaction. This higher rate started in XX/XX/XXXX to XX/XX/XXXX. They added an additional 6 %.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's management of disputes, especially in light of the recent CFPB lawsuit, which reveals serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle have failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking transactions was not feasible. The CFPB 's findings show that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " AMERICAN EXPRESS, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : " AMERICAN EXPRESS, '' as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave '' '' any verbal or AMERICAN EXPRESS written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. '' )
Product: Credit card or prepaid card

I have been trying to contact Amex serve at their customer service phone number provided for several days at different times of the day and night regarding an issue I need assistance with as soon as possible. I have now reached out to several other American Express departments and no one can seem to help me and keeps referring me back to this same number that has no one on the other line. I have money sitting there that needs to be reversed back to my account as I attempted to transfer to another account not knowing that they only will transfer to the same type of Amex account. So this money is going nowhere and I need it back into my account as soon as possible so I can pay these people in an alternate way. This is extremely unacceptable, unprofessional and terrifying that a company dealing with my money, my paycheck has zero ways for me to contact them!
Product: Bank account or service

I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.
Product: Credit reporting

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO EXPERAIN IN REGARDS TO A LETTER THAT THEY HAVE SENT TO ME VIA THE US MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO EXPERAIN ON MY BEHALF, I THANK YOU IN ADVANCE. 

I am very distressed that Experian has re- inserted previously deleted information back on my credit profile due to its damaging effects on my good credit standing. As you Experian are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I am now DEMANDING that the inaccurate accounts be completely removed from my personal credit report! As this is a clear case of unverified debt here and I am URGING Experian to adhere to the law. THE FOLLOWING INACCURATE ACCOUNTS INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT : XXXX- ACCOUNTS NUMBERS # XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
THIS INACCURATE ACCOUNTS WERE ILLEGALLY RE-INSERTED BACK ON MY EXPERAIN CREDIT REPORT, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORT ACT! THESE ACCOUNTS SHOULD BE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX THIS ALLEGED ACCOUNTS INFORMATION IS INACCURATE AND SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDED ME WITH A COPY OF THE LEGAL DOCUMENTATION IN WHICH THIS ALLEGED COMPANY HAS PROVIDED TO THEM ON MY BEHALF, AS I HAVE TRIED TO CONTACT THIS COMPANY SEVERAL TIMES ON MY OWN AND HAVE BEEN UNSUCCESSFUL IN GETTING THEM TO RESPOND BACK TO ME, I HAVE PREVIOUSLY ENCLOSED A COPY OF THE DOCUMENTS IN WHICH I HAVE REQUESTED THAT THEY LEGALLY VALIDATE THIS ALLEGED ACCOUNT! THIS ALLEGED COMPANY HAS LEGALLY FAILED TO VALIDATE THIS ACCOUNTS INFORMATION WITH MY IN THE TIME FRAME ALLOWED TO THEM BY LAW! EXPERIAN IS NOW KNOWLY AND DIRECTLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACTAND THE FAIR DEBT COLLECTION PRACTICES ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. AS XXXX XXXX XXXX HAS ALSO BEEN MADE FULLY AWARE OF THERE DIRECT VIOLATION OF THE LAWS, BECAUSE I HAVE ALSO FILED A COMPLAINT AGAINST THEM WITH THE ( CFPB ) CONSUMER FINANCIAL PROTECTION BUREAU AND THEY HAVE ALSO LEGALLY FAILED TO RESPOND TO MY COMPLAINT! SO NOW I WILL ASK YOU EXPERAIN HOW IS XXXX XXXX XXXX RESPONDING TO YOU WHEN THEY HAVE FAILED TO RESPOND TO ME AND THE GOVERMENT ENTITY THE REGULATES THEM? 
THIS IS ONCE AGAIN A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN ONCE AGAIN TO ADHEAR TO THE LAW AND REMOVE THIS INACCURATE ACCOUNTS INFORMATION!!!!!!!
Product: Debt collection

IC System Inc in Minnesota filed a City of XXXX collection charge off account with the credit bureaus, in the amount of {$360.00}, dated XX/XX/XXXX. 

I have not had an account with a company named " City of XXXX '' as listed in the credit bureau files. 

I have attempted numerous times to have this account deleted, but IC System Inc continues to dispute with the credit bureaus, stating the information is correct.

IC System Inc had a similar collection account in my name for the City of XXXX, dated XXXX in the amount of {$340.00}. 
This account was deleted XX/XX/XXXX on one credit bureau file, I believe, if not all credit bureau files. 

I live in XXXX, Oklahoma. 

The collection agency is in Minnesota. 

At one time, I believed this account was a XXXX XXXX XXXX XXXX XXXX XXXX collection account, the credit report only stated Utility or something XXXX, Oklahoma, where I have resided, basically, for fifty eight years, uses a customers Deposit on file with the City of XXXX towards any unpaid water, sewer, trash bill, which leaves a XXXX balance owed XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, with no water trash, or sewer service restoration until a new deposit is paid. 

The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX charges, usually, a XXXX XXXX dollar deposit for water, sewer, trash service. 

A new deposit is required to restore service after a city watercan is removed for unpaid water services. 

Water, sewer, trash service in XXXX, Oklahoma averages XXXX dollars per month, per household. 

The amount IC System Inc is reporting to the credit bureaus equal over six months of unpaid water, sewer and trash service.

I find the amount IC System Inc is reporting to the credit bureaus, as exorbidant. 

I find it very difficult to pay an out of state collection agency, in XXXX XXXX, Minnesota collection agency, for an Oklahoma water, sewer, trash account. 

This may be a scam collection agency. 

The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of Oklahoma, does not usually, Sell a delinquent water, sewer, trash collection account to an out of state collection agency named IC System Inc, in Minnesota, such as this collection agency.