23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Credit card or prepaid card

On XX/XX/2023 I applied & was approved for a Costco Citibank card. I never received the card in the mail, so I called on XX/XX/2023 and XX/XX/2023, only to be told there were charges on the card, which I confusedly told them that's impossible as I'd never received it. 

Someone stole the card either on the mail route, or from my mailbox and charged {$800.00} in XXXX days on the credit card ; Citibank did not inform me of this until XX/XX/2023 when I called in looking for my card. 

They have since overnighted me a card which I activated on XX/XX/XXXX, but they carried over the {$800.00} in fraudulent charges which is nearly half my credit limit ; they also did not immediately credit me for the fraudulent transactions, even though all of these transactions were made in XXXX ( two counties over from me ) and I live in XXXX XXXX. 

I want these charges immediately credited, as I have proof & timesheets that I wasn't in that area as I work during the week.
Product: Credit card or prepaid card

XX/XX/2018 I received a credit card in the mail from Chase Bank with an {$11000.00} limit. I immediately called Chase to explain I did not apply for any credit card and this account needs to be immediately cancelled. Upon giving the agent the card number I was confronted with the question " what is your password and your mother 's maiden name? '' Since I did not have an account, there was no password and what did my mother 's maiden name have to do with anything? Eventually this agent transferred me to a fraud agent, But before doing so mentioned to another agent that " she forgot she applied for a card. '' I was then transferred to XXXX XXXX who described herself as a fraud officer. She then continued with the questions instead of assurances of a closed account. One of the questions was what is my address, I countered with she already had that information. Eventually she did tell me the account was closed, but did tell me the card was " compromised. '' I asked for more detail, but she was not forthcoming with any information. She explained that I would receive information in the mail and gave me the assignment of calling XXXX to report a fraud. The entire call process took about 30 minutes. An unwanted credit card phone call should not take that long. 

The Truth in Lending Act states " no credit card shall be issued except in response to a request or application. '' I can assure you that I have not applied for any credit card. My only interaction with Chase Bank was to close my brother 's Chase account in XXXX after his passing and cancel his credit/debit card. I would hope that the report of a death in the family to Chase is not considered an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, COMENITYCAPITALXXXX added a derogatory mark on my credit report per XXXX. This account does not belong to me and should not be reported on my credit report. Upon further research, this account has been transferred and sold multiple times. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, COMENITYCAPITAL/XXXX  has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Debt collection

XXXX XXXX sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to GC Collections who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on XXXX account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. XXXX XXXX was made aware of their actions at that time but still uses them. It would appear to me that XXXX is aware of the problem and approves of their tactics.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to correct the late open and remove the collection accounts on my credit report. Despite our previous attempts, I regret to inform you that this issue still persists. The presence of a late open accounts and collection affects my credit score and raises serious concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. Please help me correct these late open and remove the collection accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors.
Product: Mortgage

WELLS FARGO BANK , N.A . refused to provide the note, any assignments or the XXXX information. WELLS FARGO BANK , N.A . used a forged deed of trust to perform a non-judicial foreclosure. They used an employee ( or her name ) to robo-sign an assignment from MERS. This was the only assignment after the initial closing documents. 

XXXX. WELLS FARGO BANK , N.A . acting as servicer, did conduct a nonjudicial foreclosure on subject property on XX/XX/XXXX. 

XXXX. WELLS FARGO BANK , N.A . recorded a fraudulent, forged deed of trust on subject property. Essentially assigning the subject Deed of Trust to itself. 

XXXX. WELLS FARGO BANK , N.A . admitted to securitizing the subject note. 
XXXX. WELLS FARGO BANK , N.A . states that they are still in possession of the original subject note. This means that WELLS FARGO BANK , N.A . is a ) providing misleading information about the current owner/possessor of the subject note to a federal court or b ) never conveyed the subject note to the securitization trust. The XXXX website lists XXXX XXXX as the guarantor of the alleged debt. 

5. In violation of the federal False Claims Act, the National Servicer Guidelines and the XXXX OCC Consent Judgment, WELLS FARGO BANK, used a WELLS FARGO BANK , N.A . employee ( XXXX XXXX XXXX ) who purports to be a Secretary of MERS and employee of WELLS FARGO BANK , N.A . XXXX XXXX acting as a notary of the State of Minnesota id conspire to forge and assign a deed of trust on the subject property to itself. 

XXXX. WELLS FARGO BANK , N.A . recorded this forged Deed of Trust in the XXXX XXXX, Missouri Recorder of Deeds records across state lines. 

XXXX. The fraudulent, forged Deed of Trust was used to have Claimant, her children and pets, forcibly removed from their home. 

XXXX. XXXX  was never named on the original note. 

XXXX. WELLS FARGO BANK , N.A . is not the original lender or the current owner of the note and has no security interest in the subject note. I, XXXX, XXXX XXXX XXXX XXXX XXXX revoked security interest . However, WELLS FARGO BANK , N.A . continued to retain all interest in the security and fraudulently took possession of my property no longer bound to the security. 

10 Violations of the Federal Reserve Act Section 29 11. I, XXXX, XXXX XXXX WELLS FARGO BANK , N.A . a security to process through the U.S. Department of Treasury. They only kept the security for themselves. It was never returned. No proceeds or dividends were provided. 
There was never a meeting. WELLS FARGO BANK , N.A . wanted to record all calls. However, they refused to allow me to record the calls to protect myself. XXXX XXXX violations. 

All of these unlawful acts by WELLS FARGO BANK , N.A . have caused near grave harm to Claimant, her children and pets.
Product: Debt collection

{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Experian about the information that they was reporting about a PUBLIC RECORD in my profile. The credit reporting company replied that the information was verified and certified by the reporting company XXXX XXXX. Yet prior to filing the dispute with Experian the reseller of the information sent me documentation that the information has been removed from my file with Experian. How can this information be accurate if the reseller has certified with me its removed, and certified with Experian that its true. Unless Experian never took time to do a thorough investigation. Which puts them in violation of FCRA REGULATIONS 15 U.S. code 1681e compliance procedures. I have attached the document from the reseller to this complaint.. This info does not meet METRO2 compliance standards ( its not me ) and must be removed.
Product: Credit reporting or other personal consumer reports

Im complaining because they havent showed my any documentation stating that this account is verified as accurate. The account called XXXX XXXX XXXX needs to be removed for inaccuracies meaning its a charge off reporting a balance thats one violation another violation is the reporting dates, the balances please have this From my account immediately Im trying to live a better life for me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  please they have to much old account
Product: Debt collection

On XX/XX/22 around XXXX, the XXXX XXXX XXXX told  me my loan was transferred to Aidvantage XXXX I called Aidvantage, and they told me they had no records of my loans in their system. Now I am unable to pay my loans, because Aidvantage says they don ; t have them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Overall I have too many hard inquiries on my credit. 19 hard inquiries is too much. This happened while applying for a car loan at the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX   XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with all three credit bureaus. One of my credit accounts is not properly accounting my charges and the overcharges. They do not seem to have an accountant ( XXXX ) and their statements cant be verified or understood. Trans Union claims that XXXX has verified my credit account and I have asked them about the verification. It appears that they do not have any verification but they claim that they do. XXXX has gone on XXXX XXXX  and tried to charge on one of my credit cards and I have been contacted. My bank card will not take any digital charges and so last week I was informed that XXXX had charged {$25.00} on my bank card and it was declined. XXXX is less aggressive but these bureaus are not worthwhile and I do not want to use them. XXXX just tried to scam me on XXXX XXXX. I am going to get a professional to remove them from my sites. I do not see that any credit bureau is keeping proper records. I need federal assistance with these bureaus with improper information.
Product: Debt collection

I am being charged late fees that I should not have accrued because I called in to cancel the card before those late fees were assessed. I am now attempting to resolve the issue with the company, and they are telling me that this will not come off of my credit report no matter what type of arrangement we set up.
Product: Mortgage

Originally, green tree servicing llc granted me a {$29000.00} loan for a pool at my residence. In order for me to qualify, the representative of the company inflated my annual income by nearly XXXX %. My income was approximately {$34000.00} per year and to make the loan work, he reported it at $ XXXX as memory serves. I was a single father at the time, stuck in a terrible adjustable rate mortgage, receiving no child support and working XXXX jobs. There was no way I should have been qualified for the loan. Yet Green Tree found a way for XXXX XXXX, who has since gone under, to put a nearly {$30000.00} pool in my now foreclosed on home. 
Since my foreclosure, I have remarried and after being served collection papers from a law firm that Green Tree apparently sold my loan to, I reached a settlement with the law firm to repay half the remaining balance, just over {$14000.00}. They worked with me and put me on a manageable payment plan that was scheduled to be fulfilled in XXXX 2016. However, with tax returns and yearly bonuses my wife and I were able to pay the balance earlier this year and it is my understanding this debt has been satisfied. 
Now I receive a notice in the mail that is a letter informing me that 'Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. ' This was received from Green Tree Servicing of XXXX, Arizona. This letter not only rekindles the sour taste I have from ever being qualified for a loan they had no business issuing, but also leads me to believe that they still have this loan as an active debt. Frankly I am hesitant to contact these people to find out what is going on because I simply have no trust in them, and I worry they may try to collect further, even after our settlement. 
I decided to write to the CFPB because they provided your website as an avenue to report shady collection practices. I feel everything this company has done has been shady and feel it is my right to inform your offices of my situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX, XXXX XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is XXXX XXXX XXXX My only telephone number is : XXXX Please do not respond by email or any other electronic means. 
Please respond via XXXX only. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Name XXXX XXXX XXXX
Product: Mortgage

I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.
Product: Checking or savings account

I made manual dispute of initial two transactions ( one for {$200.00} & one for {$300.00} ) XXXX. Called back in the afternoon to confirm it was done properly. ( Received no documentation ) Moneylion did not shut my card off and my last {$240.00} was stolen from my account XXXX at a similar vendor. Called and spoke to supervisor ( XXXX XXXX ) who took all of my information on the first two disputes. She then advised me to wait for the third transaction to clear and that she would personally monitor my account for the last transaction to clear and make that dispute. I received an email from disputes to fill out a paper with more details and then email it back. I also received more detailed correspondence from XXXX XXXX personally. 

I waited through the weekend with no calls or emails from Moneylion.

I noticed Monday XXXX that the third transaction had settled. I called disputes to start on the third transaction. The representative on the phone confirmed my previous disputes but said I had not replied back with the documentation sent to me Friday ( XXXX ). I told her yes I had within minutes of receiving it. She said that she could all of a sudden see it. She then said she had successfully submit the third dispute and to look out for a similar email to Friday in which I would respond with the same filled out document.

Not longer after I hang up with moneylion for the third transaction, I received a response from the first two saying they had been closed with no error being found. That I had been physically present for the transaction since I stated I had my card at the time of the transactions. This is physically impossible as I am no where near the merchant and was clocked in at work in an entirely different city during both transactions.

Moneylion has refused to look into this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT!! TO INCLUDE REQUIRED THE METRO2 SYSTEM!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, uploaded, and called all three Bureaus. TransUnion said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :