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

In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on (  XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. 

I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. 

I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors, including late payments that dont align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the 2020 XXXX XXXX XXXX  was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to covid XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I woke up on Sunday XX/XX/year> at XXXX XXXX  and checked my chime account as we needed to withdraw money for our sons basketball game. I noticed that a total of {$510.00} was missing out of the account. Upon reviewing, there were XXXX charges that started at XXXX that morning. I called Chime, they said I has to wait for the charges to post before I could dispute. I went to the liquor store where over {$200.00} was spent, they provided me a picture of who made the purchase with my card. I asked around and found out that the guy was a security guard at XXXX XXXX in XXXX XXXX, IL. I even have his co-workers statement stating a customer found my card and gave it to the man in the picture from the liquor store. I filed a police report and provided it to Chime as well. I keep getting denied claims within XXXX hours of me submitting documentation. I asked every time to provide the denial reason, they said it would be emailed and some reps even said they couldn't see why it was denied. I only got emails from Chime saying they could not deliver my message. I have reopened this same dispute ( 5 ) times to no avail. I ask what do they need to get it approved, and they all have said " if you have new documentation please provide it ''. I have done the investigating for them and still can not get my dispute claim approved.
Product: Credit card

The following hard inquiries currently listed and showing on my XXXX XXXX and XXXX credit report is fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX. I will be sending a copy of this complaint to XXXX XXXX, United States Senator Minnesota, XXXX XXXX, United States Senator Minnesota, XXXX XXXX, Minnesota Attorney General and XXXX XXXX, United States Attorney General, U.S. Department of Justice. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Mortgage

I have a 30-year fixed mortgage on my property. The mortgage has been sold multiple times over the years, but I have *never* had an escrow account attached to the loan. I have always paid the same amount every month, on time, with an occasional additional payment to principal. NewRez, LLC acquired my mortgage from a different financial institution in late XXXX. Beginning in or about XXXX of XXXX, NewRez suddenly claimed I had a negative escrow balance on my mortgage, and started withdrawing more money out of my autopay account without any authorization to do so. I have contacted the company no fewer than half a XXXX  times using XXXX different means to try to resolve this issue, including : 1 ) using their " contact us '' form on their website/ my account portal on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX ) calling customer service and speaking to a representative in XX/XX/XXXX, who assured me the issue would be resolved ; and XXXX ) contacting NewRez 's President, XXXX XXXX XXXX, directly via XXXX on XX/XX/XXXX. The issue remains unresolved, and the company refuses to engage on any meaningful level. The only acknowledgement I have ever received from NewRez are a collection of " Thank you for contacting us '' auto-responses to the web-based submissions, and a couple of dismissive, non-substantive letters saying either " We are working to gather the requested information '' or " Due to the complex nature of the matter, Newrez respectfully requests additional time to respond to your inquiry. '' It has now been nearly 10 months since I first raised the issue with them, and I respectfully submit that they've had more than enough time to fix an issue that is only " complex '' if it is widespread and systematic - i.e., if many customers have been impacted by this overbilling, exposing the company to regulatory action and/or a possible class action lawsuit. Absent that, the issue is simple - I have no escrow account on this mortgage ; I never have ; I never authorized one ; and they have not been able to provide any explanation as to why they have created one for me. NewRez is overbilling me and they need to fix it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

tried to contact this company and no help this bill is {$2200.00}. and the company is XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of certain personal information from my credit report, which I believe is inaccurate and outdated. The information in question pertains to my previous address, phone number, and inaccurate names associated with my credit report. 

Below are the specific details of the disputed information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am providing this dispute because the presence of inaccurate or outdated information on my credit report can have a negative impact on my financial well-being. I believe that it is crucial to maintain accurate and up-to-date credit information to ensure that my creditworthiness is assessed fairly and accurately. 

I respectfully request that the Consumer Financial Protection Bureau investigate and verify the accuracy of the information mentioned above. If it is determined that any of this information is indeed inaccurate or outdated, I kindly request its immediate removal from my credit report. 

I have enclosed copies of relevant documents that support my claim, including but not limited to utility bills, official documents, or other forms of proof that substantiate my correct address, phone number, and name ( s ).

Please acknowledge receipt of this dispute in writing and provide me with a timeline for when I can expect a resolution. Your assistance in this matter is greatly appreciated, as it will help ensure the accuracy of my credit report and maintain the integrity of the credit reporting system. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

Once again I feel that Webster Bank is up to there unethical and unscrupulous tactics by defrauding unsuspecting customers with a service fee of {$3.00} without even letting there customers know of there intent to charge a service fee. I was never sent any emails, letters or correspondence alerting me or advising me that Webster Bank was implementing such a bad faith policy. I feel that I am being taken advantage of and defrauded by this unlawful and illegal activity. I feel like Im being singled out because I am on XXXX XXXX XXXXXXXX that is XXXX  deposited every month into this account and regrettably is in the XXXX of {$660.00}. I feel like penalizing customers that are unfortunately poor or have an extremely low income that is significantly below poverty levels is wrong. I feel that Webster Bank can not be trusted and they certainly are not honorable, reputable or trustworthy ripping off their customers.
Product: Student loan

In XX/XX/XXXX I was having trouble making payments on my loans. I was guided by XXXX XXXX into interest only repayment for the next 3 years. I was not informed about any other methods of repayment. In XX/XX/XXXX I again had problems paying my loans, and XXXX XXXX/Navient encouraged me to go into forbearance, which cost {$150.00} every time I had to reapply. I was n't offered any other options. Here I am in XX/XX/XXXX, with a principle balance that is higher than the one I graduated with in XX/XX/XXXX. I feel that Navient had misled me into this situation by only offering or pressuring me towards repayment terms that put more $ in their pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL REQUEST that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/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

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

WELLS FARGO IS IGNORING MY PRIVACY RIGHTS FOR OVER THAN 2 YEARS. 
I have a mailing address that i provided to wells fargo for mailing purposes and i provided my resident address for governmental purposes. 
Some how since wells fargo hired a new CEO. who sent all wells fargo employees to work from their home, Wells Fargo rehabilitee went down and the credibility of the Wells Fargo emplyees went down, Since then, Wells Fargo is refusing to Direct theirs mail to my mailing address and refusing to follow my account prefferences and I could not find a manager to fix this issue, When I complain here the answer will be shallow has nothing to do with my complaint and has no resolution or merits. 
This why I have to keep complaining here and increase the number of the complaints till 9i find a manager ay wells fargo not little kid who will be willing to investigate my issue and find a resolution. 
WELLS FARGO ARE STILL REFUSING TO USE MY po box MAILING ADDRESS AS INDICATING ON MY ACCOUNT PREFERENCES, WELLS FARGO ARE INSISTING ON USING MY HOME ADDRESS FOR SENDING MAILS REGARDING MY ACCOUNT. EVEN AFTER MORE THAN 2 YEARS OF COMPLAINTS ABOUT THE SAME ISSUE TODAY XX/XX/2023 AGAIN I RECEIVED A LETTER FROM WELLS FARGO REGARDING MY ACCOUNT TO MY HOME ADDRESS. I FAILED TO PENETRATE MY ISSUE IN THE BRAINS OF WELLS FARGO EMPLOYEES WHO ARE WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION OR MANAGEMENT THAT I DO NOT WANT ANY MAIL TO MY HOME ADDRESS ALL MAILS SHOULD BE DIRECTED TO MY po box MAILING ADDRESS. FOR MORE THAN 2 YEARS OF C0MPLAINTS TRYING TO MAKE WELLS FARGO RESPECT MY PRIVACY RIGHTS BY DIRECTING ALL WELLS FARGO MAIL ADDRESSED TO ME TO MY MAILING ADDRESS WHICH I PROVIDED ON MY ACCOUNT PREFERENCE BUT TILL TODAY XX/XX/2023 WELLS FARGO FAILED TO RESPOND TO MY ISSUE PROPERLY, FAILED TO INVESTIGATE MY ISSUE AND FAILED TO OBEY THE LAWS AND REGULATION AND MY PRIVACY RIGHTS. IF I WAS DEALING WITH XXXX IN THIS LAST 2 YEARS BY NOW THE XXXX WOULD'VE KNOW WHAT TO DO, OPPOSITE THAN WELLS FARGO EMPLOYEES. I HAVE TO KEEP COMPLAINING EVERYWHERE HOPING AT THE END WELLS FARGO WOULD ACCEPT TO UISE MY po box MAILING ADDRESS FOR ALL THE MAIL AND TO RESPECT MY PRIVACY RIGHTS AND DIRECT THEIR MAIL TO MY MAILING ADDRESS AS INDICATED ON MY ACCOUNT. THE WELLS FARGO EMPLOYEES WHO ANSWERS HERE SEEMS TO BE UNPROFESSIONALS AND NOT INTERESTED IN SOLVING MY ISSUE, FOR THAT I HAVE TO KEEP COMPLAINING HERE AND EVERYWHERE TILL WELLS FARGO FOLLOW THE RULES AND REGULATION AND MY ACCOUNT PREFERENCE. ALL THE ANSWERS FROM WELLS FARGO ARE MISLEADING, THE ANSWERS ARE SORRY WE CAN NOT MAIL TO YOUR B.O.BOX MAILING ADDRESS BECAUSE OF COVID-19 OR BECAUSE OF USA PATRIOT ACT OR BECAUSE OF THE WEATHER OR THEY MISLEAD AND SAY IT HAPPENED ONE TIME ONLY OR ... .. NOT ONE TIME WELLS FARGO TRIED TO FIND A SOLUTION. READ AT XXXX HOW MANY THOUSAND OF CUSTOMERS ARE COMPLAINING ABOUT SIMILAR ISSUE. I ATTACHED 10S OF LETTERS THAT WELLS FARGO SENT TO MY HOME ADDRESS FROM THE TIME I COMPLAINT HERE TILL NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously enrolled in a XXXX XXXX XXXX ( XXXX  ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX that my services were withdrawn. Synchrony bank ( Wal-Mart, PayPal, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my Synchrony Bank Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and Synchrony bank without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. Synchrony Bank is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear XXXX XXXX & PNC Bank , Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX resident. In XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I ALSO CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED ARE STILL REPORTING. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS