23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been getting multiple calls from the bank with rude customer service with each call. I have gotten 6 calls in one day from this bank. I told them I was aware that the balance was due but I was out of work due to Covid-19. The woman I had spoken to was very disrespectful towards me with the last phone call. I also gave them specific times they can and can not call as I have just returned to work and I can not be on the phone while at work as my job involves personal care of others. Any time I would speak she would speak louder over me so I could not explain my situation. I asked if they would settle the payment they said I was not eligible for that and they would not wave any fees as they had done that for me 1 time in the past as I was out of work due to a serious medical condition. Every time they call me I get 3-4 calls a day from many different numbers and each time they are very rude. Even calling when there was a note put in by a supervisor not to call me at the certain times I had specified but they continued to call any ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX date XXXX, XXXX, XXXX XXXX, XXXX, My income was interrupted and I am just now getting back employed on a regular basis..
Product: Credit reporting or other personal consumer reports

Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX XXXX of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''
Product: Credit card or prepaid card

On XX/XX/XXXX my Bank of America Debit card had funds stolen from it. BOA refuses to engage and or, refund the money. This, since XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I purchased a concert ticket for {$60.00} from a XXXX user. He sent me a request on XXXX for the agreed upon price and I accepted the request. He told me he was sending the tickets and then blocked my phone number. I called my bank ( Capital One ) and immediately reported this transaction as fraud. They ultimately denied this claim, stating that I sent the money on my own. I do not believe that I owe money to a person who did not provide the good that I paid for and am requesting a refund.
Product: Debt collection

The conversation was not obscene, profane or abusive, but I feel their tactics to get you to repay is unlawful. On XXXX XXXX, 2015, I called National Credit Adjusters to set up a payment arrangement beginning XXXX XXXX, 2015. XXXX XXXX asked me could I make a payment this month. I told her no and that I do n't get paid again until XXXX XXXX. She then asked me what would be different in XXXX and what will be different considering that I just got paid and already do n't have money. I told her I would get paid in XXXX and I do n't think it 's any of her business what will be different and that if I am calling to set up payment arrangements, then its obvious that I will have money on that date. She stated that it was her job to ensure I would have to money to make the payment. We went back and forth and I hung up on her. I then called back and asked to speak with a manager. I spoke with XXXX XXXX. He reiterated that it is their job to ensure that money will be available to make the payments. He would not set up payment arrangements with me and told me to mail the payments in when I could. We then argued and I hung up on him as well.
Product: Debt collection

I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.
Product: Consumer Loan

I had an accident XX/XX/2014. The car was totaled. I contacted Chrysler Capital to find out how to handle the balance left over. I was told that there was n't anything due at the time. I tried several times to take care of this. I kept getting the same response. I moved in XX/XX/XXXX. Months went by and I did n't hear anything. Then I went to buy another car and the Chrysler account is reporting inaccurate information. I sent a letter to see if I could get this straightened out, but have n't received a response. I will pay the money I owe ( minus late fees ), but I would like the reporting to be cleared up. If I was given a total when the claim was completed, I would have paid it then.
Product: Bank account or service

I was charged the below fee for a check that was dishourned and I feel this {$12.00} fee i is very unfair since I have so much of money with Wells Fargo. 

Date : Fri, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : Wells Fargo : Checks deposited into your account have been returned wellsfargo.com Checks deposited into your Wells Fargo account have been returned The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$140.00} from your account XXXX. 
Date Reason Check number Amount Returned deposited item fee XX/XX/2016 Stop Payment XXXX {$120.00} {$12.00} Total returned deposited item fee ( s ) {$12.00} We are sending you a paper copy of these checks via U.S. mail, which includes the front and back image of the returned check ( s ) for your reference. 
For the most current balance and more account details, as well as access to deposited check images, sign on, go to Account Activity, and choose this account from the dropdown menu. 
If you have questions, please call us at XXXX, XXXX hours a day, 7 days a week, or contact us by secure email. 
Sincerely, Wells Fargo Online Customer Service wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to send a secure e-mail. 
You are receiving this alert because you are an online banking customer. To modify or cancel your alerts, please sign on to Set Up/Modify Alerts. 
XXXX
Product: Mortgage

My complaint is that, I have been working with SPS for over a year on a short sale, as of XX/XX/2017 the first lien holder has agreed to an amount of XXXX to move forward with the short sale, the second lien holder is asking for XXXX this is a XXXX approved loan and should be accepted by SPS, both institutions have give me dates to have the short sale closed on, I have been waiting for a approval since XXXX XXXX. 
with out having a negotiator to follow thru with this request, when i call i just get a person in the ombudsman Dept. updating me with no answer yet!! this need someones attention, for this matter is time sensitive. 
thank you
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my correct employment information, preventing me from applying for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries Credit Plus XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Dear XXXX XXXXXXXX XXXX This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Beginning in XX/XX/year> Mohela changed the accessibility formatting of its communications to one that does not meet adherence to the XXXX standards for color contrast. The previous formatting and contrast was easy for me to read and navigate, but this new format is almost translucent and I am unable to read it even with my limited vision deficits. Even the button on the page is too dark to be able to read the text to understand its action. I feel as though Mohela is attempting to hide or use deceitful practices to push changed terms or service or agreements past me because XXXX cant read them. I can not even read the amount due or due date on their statements. I know this has caused others I know who also have student loan accounts managed by Mohela to miss payments because they also can not read the statements or communications from Mohela. I am also filing a complaint with the XXXX, but because of the financial harm these changes have caused or have the potential to cause I feel this is a matter the CFPB may also be able to assist with. This format would be difficult for an individual with no sight deficits to read and for those of us with minor to major deficits its impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with Avid Acceptance LLC the day AFTER and never amended to include that auto loan in with the XXXX  XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XXXX XXXXXX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with Avid Acceptance LLC in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. Avid is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither Avid nor XXXX will correct this.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I called them about 3 months and they said to remove the accounts but up until now, the accounts are still reporting under their bureau. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventough the companies already removed the accounts from the other bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an immediate credit card at a XXXX ( XXXX  XXXX XXXX Credit Card ) in XX/XX/XXXX ( approx XX/XX/XXXX ) to take advantage of a special offer. The total amount of the purchase was approx {$270.00}. I did not receive a statement, so at some point in XXXX I called them and they informed me that my account was past due. I had still never received a statement nor a physical credit card. I processed an ACH payment over the phone with a customer service agent approx XX/XX/XXXX for the entire balance. There was more than sufficient funds in my checking account to cover the transaction. I finally received a paper statement dated XX/XX/XXXX which showed that the payment on XX/XX/XXXX was " Returned Check '' with a corresponding returned check fee, additional finance charges, and late fees. I contacted my bank and they verified that there had been NO attempt to debit my account by this merchant. Clearly someone processed the information incorrectly at the COMENITY credit card company. I then called COMENITY on XX/XX/XXXX to have the fees removed and pay my full balance. I have paid the balance and have been stuck with finance fees, plus several hours on the phone dealing with THEIR MISTAKES IN THE FIRST PLACE. I feel their practices are predatory, and keep customers in the loop of more and more fees and charges with these accounts. When I asked to be connected to a supervisor, I was told to " call back ''. When I insisted to be connected directly, I was forwarded to a new number that gave me a menu that did not include an option to speak to a supervisor, and put me back in an endless phone loop.So, I had to leave the call. I was trying to work the issue with an actual supervisor at the company, but was left with no recourse other than filing this complaint, and additionally potentially complaining to the XXXX  and our State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

N according with fair credit report act XXXX  Account ( XXXX XXXX XXXX # XXXX ) ( XXXX  XXXX  XXXX  Account # XXXX ) has violated my rights. 

15 U.S.C section 602 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian and there response is that I am a credit repair company. I am a person not a company.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute and validation letters but I haven't gotten any response. This information is inaccurate and must be properly verified and if not must be promptly deleted.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts on my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. As per USC 1681g, I formally ask for their deletion within 15 days. The relevant documents are included for your review.
Product: Bank account or service

Hello, i am the victim of identity theft. Several debit card accounts were opened in my name, from XXXX and Suntrust. i have never applied for accounts to those banks, I live in the midwest, those banks are elsewhere. I have contacted both companies, there are now fraud alerts on my name. My question is how could this happen, I believe there needs to be much better security questions on the front end, before cards are issued and accounts opened. PLEASE do something about this, my life is being impacted in a very negative way.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity information abuse and theft for over 10 years. I have contacted the three major credit bureaus several times in an effort to remove fraudulent information and accounts, without success. These fraudulent account should be immediately removed according to federal credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 60 and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Product: Debt collection

There are fraudulent accounts in my report that are affecting my score. Kindly remove this as soon as possible. Experian has been violating my right for a fair reporting. 

XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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