23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 4th formal attempt to address this critical matter.

Despite my repeated efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Vehicle loan or lease

On XX/XX/2021 I paid my loan off with Wells Fargo. A week later I received my title and a letter stating that my lien had been satisfied. A month after that, Wells Fargo sent me a generic form letter that stated that they had a " banking error '' and that they needed to redraft my account. When I called Wells Fargo to request a debt validation letter, the flat out refused. They still are refusing to this day to provide me with this. My understanding is that if a person requests this, the organization attempting to collect said debt is legally compelled to provide this. 

After 42 phone calls, and 6+ hours I have had 0 luck. They also, several times, have refused to provide any proof that I am actually talking to wells fargo. I would like someone to check in to this. A bank that literally averages {$1.00} XXXX in fines a year is not to be trusted and after exhausting every avenue I have, I need help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, i received an alert on my XXXX consumer report of a balance increase of {$69.00} totaling my amount owed as {$1300.00}. When I called OMF and spoke with the credit department, they confirmed that my balance was lower than what was reflected on my consumer report. This inaccuracy caused my credit score to drop by XXXX points. I was also made aware that OMF reports to the CRAs in the first week of every month. However, my payment isn't due until the XXXX of every month. I submitted a complaint to OMF ( attached ) which completely negated this issue. Now on this day it is XX/XX/2023 and my balance is being reflected on my XXXX, XXXX AND XXXX reports as {$1200.00}. My balance reflected in my OMF account is {$1200.00} with no balance owed and no late fees ( attached ). This is the SECOND time OMF has communicated information to the 3 CRAs that is inaccurate. I am entitled to either have my information reported ACCURATELY under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ; ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

ALSO UNDER SECTION : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

They have a DUTY to correct this information because it is not accurate!
Product: Credit card or prepaid card

On XX/XX/XXXX, there were two charges made on my credit card via XXXX XXXX that I did not make or authorize. I was traveling to XXXX XXXX from XXXX XXXX XXXX where I live, which is where the charges were made. I received an automated text message from Wells Fargo on XX/XX/XXXX with whom I bank and have my credit card through alerting me to possible fraud. I acknowledged the text message with a " Y '' and called Wells Fargo on XX/XX/XXXX when I saw that the two charges were on my credit card statement and noticed that I no longer had my credit card and that it had been compromised. On XX/XX/XXXX Wells Fargo canceled my credit card, credited the balance to my account, and sent me a new credit card. In XX/XX/XXXX, I noticed that the fraud charges were placed back on my account. I called Wells Fargo and they told me that they found the charges to be valid because I authorized the charges when I responded to their automated text on XX/XX/XXXX with a " Y ''. I explained to them that I did not realize I was authorizing any charges, and that I was acknowledging their message. I asked to have the claim reopened and that I could submit documentation showing that the credit card used to make those charges was never associated or linked to an XXXX XXXX account. I submitted the documentation via mail after multiple failed attempts from my local Wells Fargo branch to fax the documentation with the fax numbers provided. Wells Fargo again denied my claim despite me showing that I did not have an XXXX XXXX account. They were never able to identify or get in touch with the two merchants to whom the charges were made. The two charges were : XXXX XXXX XXXX XXXX CA for {$450.00} and XXXX XXXX XXXX XXXX CA for {$85.00}. Wells Fargo told me that because I have other charges from XXXX XXXX XXXX XXXX XXXX XXXX CA that I must have known the first merchant. I explained to them that XXXX XXXX  is a local coffee shop here in XXXX XXXX XXXX, and that they do not have a location outside of XXXX XXXX XXXX and that it is not the same as the merchant that {$450.00} went to. I have asked Wells Fargo to reopen the case three times and each time they denied it for the same reason. I am not responsible for both of the charges that I did not make despite me never having had an XXXX XXXX account linked to the compromised card, AND my card not being in my possession at the time. Thank you.
Product: Mortgage

I am writing as a follow up on two previous complaints I've submitted regarding the Wells Fargo settlement in XXXX of XXXX with CFPB. 
I was absolutely a victim of Wells Fargo systematic dishonest practices in modifying my home mortgage in XXXX. For that reason, I believe I should be a party to the settlement reached with the CFPB. I have documentation which proves the organization withheld information at the time of the modification. They are using the same delaying, avoidance, and transferring tactics as before. Each correspondence with Wells Fargo, is returned asking for further information, and offering no assistance. And it is always from a different person. And this person has no knowledge of the matter, and will take two weeks to look into things. Then they will respond with another letter requesting the same information previously submitted. Nothing like kicking the can down the road. 
I have also asked for their criteria and/ or a matrix as to who will be a party to the settlement. They have said that is confidential company information. 
I've asked who is responsible for the administering of the settlement? They refuse to answer that question, as it's company business. 
Finally I've asked how much of the settlement has been paid out, and how many parties have been reimbursed? Again, no answer. 
I am writing in hopes that you, as the Bureau who came to this settlement, could help your consumers find some transparency with this matter. They should not be allowed to handle their own penalty, with no oversight, and no accountability. 

Thank you ; XXXX
Product: Debt collection

XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX Bank. There is a secondary collection company named Capital Link Management who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX Bank nor Capital Link Management noXXXX XXXX XXXX XXXX XXXX And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. This collection agency has the balance as {$620.00} when the account was written off for {$550.00} and I have since paid {$440.00} to the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to NATIONAL CREDIT ADJUST which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2022. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. Attached is the debt validation letter I sent your company 2 months ago to the point of no avail. The letter is dated and time stamped. Please also see the invoice for the many FCRA violations and remit payment to the address on the XXXX XXXX. If this account is not removed and payment is not received within 15 days I will forward this information to my legal attorney so that this can be handled in small claims court.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, XXXX Reported Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing an official complaint on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the 3 major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX XXXX managed by XXXX.
Product: Consumer Loan

XXXX XXXX XXXX took over XXXX several years ago and began mailing payments back to consumers, including myself. In the process, I did a short sale of the property and FCC Finance, LLC agreed to a payoff balance along with releasing the lien on the property. The title company facilitated the payoff balance with a wire transfer being sent to FCC Finance, LLC. FCC Finance, LLC continues to harass and demand payment for the loan that they agreed to settle with payment wired on XXXX/XXXX/2013. They have submitted a bad debt report to XXXX and are continuing their attempts to collect what is not owed to them. I have spoken previously to FCC Finance, LLC and they insist that I owe them. This company has pretended to be the district attorney 's office on one instance that they called. On another instance, they pretended to be XXXX and was given my personal cell phone number to further harass me. They have called my work and harassed me over the last 3 1/2 years.
Product: Debt collection

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name #. Hunter Warfield XXXXXXXX This account debt was paid by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Debt collection

The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from XXXX XXXX XXXX stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. XXXX XXXX dismissed my statements and said I would have to pay that amount.
Product: Checking or savings account

Chime Bank took {$260.00} out of my checking account stating it was to pay my SECURED visa card with them. As the money I used on my Visa card was mine, they should not have taken this money. When I first opened the account, I was assured that this would not happen to me. I called & was told that it was not in error. I send many emails about this & only received form emails back. They refuse to refund my money & so I can not dispute this error, they removed the withdraw from my account. As I live on Social Security, I advised them I needed every dollar. I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Product: Credit card

Hi, I went to pay a credit card payment on XX/XX/year> - the payment due date - I was asked if I wanted to sign up for automatic payment, so I agreed and provided my banking information and a payment was approved on XX/XX/year>, the company never processed the payment and now they asked for a {$41.00} late fee. I tried to call customer service but was denied access to a manager, The XXXX women i was speaking to would not transfer me to a supervisor. The XXXX is XXXX or Continental. I had asked the women on the phone to close the account, but she rambled on how late fees would be taken out of my account, all I wanted as a credit of the {$41.00} late fee Please Help, this has upset me for hours
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Debt collection

I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card.

-Copy of my valid Photo ID.

-Contract signed by me.

-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
XXXX XXXX and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since XXXX XXXX  and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to XXXX XXXX today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " US Bank '' have sold the account US Bank has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then US Bank sells the unverified accounts to a different collection agency.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I became aware that my identity was stolen. I filed a police report with the XXXX Police Department in Georgia on XX/XX/XXXX. I have lived in Georgia since XX/XX/XXXX. There were numerous loans and accounts opened using my IL license and social security number. A XXXX XXXX XXXX account was opened on XX/XX/XXXX. A secured loan of {$2600.00} was applied for and accepted fraudulently in my name. Since the account has been open, I have called XXXX XXXX XXXX a countless number of times to dispute and make them aware of the fraudulent activity.  When I first started making contact with XXXX XXXX XXXX, they didn't have a customer service support team neither a fraud department. The only person I was able to speak to using the telephone number ( XXXX ) XXXX was the receptionist. Therefore, I sent my Identity Theft Affidavit and other supporting documents to the XXXX XXXX XXXX in XXXX, SC XXXX listed on my XXXX  report. On XX/XX/XXXX, my mother sent a letter to XXXX XXXX XXXX in my defense. I was not contacted about the documents and no one notified me to let me know that they were received. On XX/XX/XXXX, I disputed the XXXX XXXX XXXX account on XXXX. The results of my dispute were disclosed on XX/XX/XXXX. My dispute was denied by XXXX XXXX XXXX  and the account has remained. On XX/XX/XXXX, I called XXXX XXXX XXXX, and to my surprise, they now have a customer service support team. I spoke to a gentleman on the team to inquire about the denial. He was able to lookup the fraudulent account by using my name. He let me know that my documents were received from a year ago, however, there were notes in the account saying that there were missing documents, therefore, the account has remained open. I inquired about the missing documents and he stated that it wasn't notated. He said he would pass my case to his supervisor and would make it of upmost importance, and she would contact me. On XX/XX/XXXX I, again, contacted XXXX XXXX XXXX because I had not spoke to a representative from this company since XX/XX/XXXX. The receptionist, answered and transferred me to a voicemail. I left a message, and as of XX/XX/XXXX I have not been contacted.