23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a month ago, I disputed my credit card account with Discover almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  collection accounts on my Transunion reports that keep getting closed and deleted then either a week or month later reopened.  XXXX  of the collections is  XXXX   XXXX   XXXX   XXXX  and the other is   XXXX    XXXX . I have screenshot proof as to when these items closed and when they reported back as opened. According to  US code 1681i- FCRA 611 ( a ) ( 5 ) ( b ) ( ii ) Notice to consumer : If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later then 5 business days after the reinsertion or, if authorized by the  consumer for that purpose, by any other means available to the agency! Not once was I notified in writing that these account were going to be reinserted.
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX, XXXX # XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$3800.00}
Product: Debt collection

This debt was open fraudulent this debt is now sold again for the third time i dnt owe this debt i do not have a contract with midland credit management please remove from my credit report
Product: Money transfer, virtual currency, or money service

Cash app Ive called XXXX number that was fake and gave up my information
Product: Debt collection

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX Subject : Follow-Up on Disputed Debts Due to Identity Theft Request for Validation ( Account number XXXX ) To Whom It May Concern, I am writing to follow up on my previous disputes regarding the account referenced above. As I have previously informed you, this account were opened as a result of identity theft. I have reported the incident to the appropriate authorities, including, Federal Trade Commission, XXXX, XXXX and XXXX. I have also taken the necessary steps to secure my identity. 
I ask that you cease all collection activities related to this alleged debt. Furthermore, I request that you refrain from reporting these debts to any credit bureaus until this matter is fully validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of these debts, including but not limited to the following : 1. The amount of the debt and a breakdown of any charges or fees applied to the balance.

2. The name of the original creditor.

3. Proof that I am legally obligated to pay this debt, including any documents or agreements signed by me.

4. Verification that this debt is not the result of identity theft, including supporting documentation or proof of how this account was opened and who authorized the charges.

5. A statement confirming that the account has been flagged as fraudulent in your records, and that collection efforts will cease until the matter is fully resolved.

Please be aware that until I receive proper validation of these debts, I consider it disputed. I request that you cease all collection activities, including reporting this debt to the credit bureaus, until you can provide the requested documentation to prove the legitimacy of the said debts. If you are unable to provide the necessary verification, I expect the this account be deleted from my credit file.

I expect a response within 30 days, as required by law. If you fail to provide the requested documentation, I will take appropriate steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General. I will also consider taking legal action to ensure that my rights under the Fair Debt Collection Practices Act are upheld. 
Please respond in writing to the address above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX )
Product: Bank account or service

Wells Fargo Has taken a legal order fee from my personal Checking account without prior notice or notification. No mail or call or email. There is no proof to me they have any letter to do this. I 've asked in person and over the phone for a copy of such letter and they respond with " We will mail you a copy '' but they never do. 

This is not the first time they do this and all the other times I had to call and bug everybody to get it back. It is exhausting. They wo n't even instruct me on what 's the next step ( call who ever requested the legal order on my account, asked them to give you a letter to reverse this, etc ), nothing. 

I 've called the Wells Fargo franchise and then the legal department and they say they ca n't reverse it because it 's an order and they have to take money but what is so convenient for them is that they only take their {$120.00} dlls fee. Nothing more no other moneys just their fees. On a printscreen Im including youll see it does n't explain and it only says : " LEGAL ORDER FEE DEBIT CASE # XXXX ''. 

After I asked why, and who, I ask why are n't they notifying prior to taking the money ; are they looking to overdraft my account with their fraudulent takings? YES, it 's a fraudulent act when they do it without prior notice and I 've told them that. I asked them to reverse the transaction and to return my money till they notify me properly. They declined. 

I am requesting my money back to my account and I want to close my account with them.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Consumer Loan

In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since
Product: Debt collection

I received information from the collections agency. I asked for additional information in writing in XX/XX/2022 as I had no idea what the debt was related to. I again requested the same information twice when the collector sent attempts to collect a debt without details of the original debt. I never received any verification of the debt. I found the account on my XXXX file and found that it was related to XXXX and XXXX. I attempted to dispute the charge and request additional information through XXXX, to no success.
Product: Consumer Loan

On XXXX XXXX, I applied for the iPhone Upgrade Program through Citizens One Bank and was denied because the information on my application did not match the information on my XXXX credit report. I called Citizens One on Sunday, XXXX XXXX, and had them file an appeal. I was told the appeal would take five business days to complete. 

The following Saturday, XXXX XXXX, I called because I had not heard from them. This resulted in me calling almost daily for the next week to inquire about the status of my appeal. Ultimately, I got frustrated by the lack of progress and filed a complaint with the OCC, who forwarded it to the CFPB. They sent the complaint on to Citizens One, who called me to inquire about the complaint. The following Monday ( today ), I received a call from their appeals department who researched the matter. 

Ultimately, I was told I had incorrectly entered my birth year in the application, which caused the denial. They told me that my denial had been overturned and that I could reapply for the program. However, I would have to do it in-store. Their system would not allow me to do it again online. 

I told Citizens One that I live two hours away from an XXXX and asked if I could do it at another store that sold iPhones ( XXXX XXXX XXXX, XXXX XXXX, etc. ). I asked them if there was any way that I could do it online and they said that I would have to wait until XXXX XXXX and apply again, which would result in a second hard pull of my credit. 

I believe this to be discriminatory against those who live in rural areas that do not have access to an XXXX XXXX. Furthermore, I see little-to-no reason why the online shopping systems could not be upgraded to handle such an issue or why Citizen One could not process this loan application over the phone. After all, many financial institutions process far more complex loans over the phone. Citizens One may be one of these banks, assuming they provide mortgages. 

Furthermore, nowhere in the iPhone upgrade program 's terms and conditions states that I would have to go in to a store if denied. Had I known that, I would have probably sought to purchase my iPhone with XXXX Next program because of the local availability of a store.
Product: Debt collection

This number is my work phone. I verbally expressed not to contact me at work. Phone calls to my work took place today at XXXX XXXX, also on XXXX XXXX at XXXX, and on XXXX XXXX at XXXX, and on the previous Friday XXXX XXXX at XXXX. I am currently the only working individual in my family. I 'm under enough pressure to supply an income without repeated calls at my workplace where I ca n't discuss personal matters without jeopardizing my job.
Product: Mortgage

I am writing a formal complaint against Homestead Funding Corporation and XXXX. I closed on my home through a VA XXXX on XXXX XXXX, XXXX, through Homestead Funding Corporation ( HFC ). HFC started using XXXX for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents Homestead Funding Corporation. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called XXXX later to confirm that my payments were being applied to the mortgage. A XXXX XXXX employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from Homestead Funding Corporation. XXXX 's letter makes no mention of XXXX XXXX, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to XXXX XXXX to discuss why a XXXX XXXX employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship XXXX has to XXXX. The supervisor confirmed that XXXX has a relationship to XXXX and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at XXXX did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet XXXX failed to meet that 15 day deadline. In summary, my complaint names Homestead Funding Corporation, XXXX, and XXXX. My concern with XXXX is that my VA Loan is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of Homestead Funding Corporation and XXXX ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.
Product: Debt collection

The bill is from a recent apt I lived in..They are saying that the apartment was dirty and charged me for a extra cleaning fee etc..totaling almos $ XXXX.I 've been going back and forth with them because I have video from when I left the apt and it was clean. The apartment was not in bad shape at all..They moved someone in the next week after I moved. Then the guy from collections is very rude. Stated that I need to pay my bills or it will affect my credit when those charges are false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021 i traveled out of the country to assist my mother who contracted XXXX XXXX and died a months later. After I returned to the US i noticed of a late payment fee from Kohls, I immediately paid it off, and then I questioned Kohls stating that it should be a problem with my automatic payment. A representative from Kohls told me that it should be fixed in 30 days. They came back days later to say that they would not reverse the late fee. Weeks later I realized that I did not have autopay set for this account since I did not use the card for several years and I only have it set for all credit cards that I use routinary and on top the purchase was made while I was out of the country between XX/XX/2021 and XX/XX/2021. I called Kohls again and I told them that I did not make that purchase, and I went into the same routing, they promised to investigate and get back to me in 30 days. I got a letter from them stating that the charge was valid, without any kind of proof on how the validated it. I requested a copy of the investigation and I never get one. I started opening disputes with the credit bureau and they had the same outcome, a letter or electronic confirmation without any proof other than a written letter. I asked the credit bureau how I could get a copy of the actual investigation, what are the proof or documents that support that purchase, and they told me that I had the right to request that from Kohls and to have a copy of every document and investigation they made. I been unsuccessful on getting anything from them from them. I did not made that purchase and they are not acting in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Credit Reporting Agency Transunion. On XX/XX/23, I pulled my credit report ( see partial attached ). I sent a letter to Transunion to dispute the inconsistent and inaccurate reporting with the Date Last Reported with 3 accounts ( XXXX, XXXX XXXX and XXXX ). 

On XX/XX/23, a new report was pulled, I sent follow up letters to Transunion and other bureaus, however, it was not until a closer review of the XX/XX/23 credit pull that I noticed the FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) violations ( partial report attached. ) On XX/XX/23, I sent a letter to Transunion requesting these accounts to be removed as they were in violation of my rights per FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). ( See attached. ) Full credit reports for XX/XX/23 and XX/XX/23 were submitted along with proof of receipts with this letter. 

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

FDCPA 807 ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

On of XX/XX/23, I pulled my report ( see attached ), and Transunion is still in violation. 

FYI- I sent the same request to XXXX and XXXX, XXXX XXXX  account were removed. The XXXX XXXX was not removed as XXXX did post properly that this account was disputed by consumer. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Harris & Harries started calling XXXX XXXX until present XX/XX/XXXX. These are the numbers they use : XXXX, XXXX, I have a listing from XXXX XXXX of how many times they have robo called me already. From XXXX XXXX to XX/XX/XXXX. All robo calls that they did. I belong also to XXXX. This company have been blocking them for me. It's every single day almost. Not even a real person. 
Here is the list that I copied : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX Si I didn't get anything in the mail or whatever. Also caller id said something about being Spam? HARRISAND XXXX Yesterday XXXX XXXX This might be because of my wife or my dad. Thanks
Product: Debt collection

Dates : XX/XX/XXXX - XX/XX/XXXX Amounts : {$600.00}. - {$760.00}. 
AWA COLECTIONS are reporting false information, as this account is not mine.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a creditor whom I am not familiar. Transunion has placed a creditor on my credit report without my permission. Please remove and give me detail on how Transunion investigated this item and LEGALLY ALLOWED THIS CREDITOR TO BE PLACED ON MY CREDIT REPORT AND LOWER MY SCORE AND CAUSE HARM TO MY CREDIT REPORT. 

The agency name is XXXX XXXX. I have NEVER heard of the company. The date assigned XX/XX/year> There is no account number XXXX  Please see attachment Amount {$210.00}
Product: Mortgage

I am an XXXX XXXXXXXX XXXXXXXX Veteran an believe that I am been unfairly treated with regards to the approval loan process with the American Armed Forces Mutual Aid Association Mortgage services , specifically , with the underwriting department. I have have every requirement and submitted all the required documents only to have AAFMAA keep requiring additional irrelevant documents to delay this process based on my XXXX in my opinion. I applied for a {$25000.00} HELOC to pay or a replacement roof on/about XX/XX/XXXX and have submitted more than 30 documents and photos and have a credit score over XXXX, my house is valued at more than {$540000.00} and I owed approximately {$360000.00}. Because I am in a XXXX  XXXX bankruptcy since XX/XX/XXXX, my application was approved on a conditional basis. I have met all of those conditions. But I am still being give the proverbial " runaround ''. 

As an XXXX XXXX veteran, who has served our great nation for more than 23 years, I would greatly appreciate if someone would investigate my complaint or recommend the appropriate agency to handle my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX ( retired ) XXXX XXXX
Product: Checking or savings account

My husband unemployment got deposited into my account 3 different times same last name and citi bank decided to close my account and never gave us the funds that were owed. We reached out to them since XXXX and had the issuer contact them they still will not return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Product: Money transfer, virtual currency, or money service

I used worldremit to transfer money from XXXX to XXXX on XX/XX/2021, they guaranty pick up in just 30 minutes, but I waited for more then 10 days and they were telling my recipient to go ti pick up the money. But money wasn't available for pick up even on the XXXX day on XXXX XX/XX/2021 Their consultant was rude to me even after waisting my and the recipients time for more then 10 times and now after the 10th day they are telling me to wait another day.