23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have written Wells Fargo requesting them to provide me the details of the legal fees that have been added to my mortgage account of XXXX, XXXX property. As you will note, I have been dealing with this matter since I discovered in my mortgage account and Wells Fargo made several internal inquiries and researches on this and concluded that their charge of {$4100.00} legal fees will be in my mortgage and would not change it. They further confirmed to me that they will not give me the detail accounting/invoices and name of the WF attorney regarding the city 's complaint of code violation at my properties because according to them, these are confidential. WF also repeatedly claimed that they received summons from the city of XXXX and would not give me a copy of the summons because it is non-existent since as the owner of the property, I should also be receiving such summon but I did not because I do not have a case against the city for the XXXX property. We wasted a lot of time and I am asking you to resolve this matter to remove this amount from my mortgage account and relieve me from this financial XXXX and XXXX. The city record does not reflect any written communication between WF attorney and the city officials. In XX/XX/2012, I had communication with a WF attorney who threatened to foreclose my property if I do not completely satisfy the city when he knew that the city has been harassing me for a long time. I am attaching a declaration from XXXX in support of my claim how the city financially ruin me and make a victim of XXXX. I communicated with the same WF Atty. requesting his help to get XXXX 's approval of new electrical service as I already got approval from the city of XXXX but his response was his not going to help me but in fact waiting to foreclose my property if I miss the deadline. WF never informed me why they hired an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited {$800000.00} in investor money for commercial real estate with JPMorgan Chase Bank N.A. Now, due to 'bank error '' the money is not available and all the bank can tell our client is that issue is being " escalated. '' Not what the error is, not when it will be resolved, not when the money will be available, nothing. The investors want some guarantee that the money is available for closing and the bank is not cooperating.
Product: Debt collection

XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.
Product: Debt collection

My XXXX report was impacted because of the 2017 XXXX breach. And there were many accounts that came onto my report that did not belong to me. This account from XXXX XXXX collections and Outsourcing does not belong to me. My personal information has been compromised, resulting in the opening of fraudulent accounts in my name. These accounts do not belong to me, and I kindly request that they be blocked and removed from my credit report across all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Transunion an Affidavit of Truth stating 1. On XXXX XXXX I sent a certified mail letter to you Transunion stating I noticed some inaccurate information reporting for the following accounts : XXXX account number shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number shows XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX I asked you Transunion to please investigate this matter, and get back with me when you were finished. 

2. I did not receive a reply back. So on XX/XX/2021 I sent another certified mail letter to you Transunion. The letter stated It had been 30 days and I hadnt received any reply from you all. I stated the Date of Last Activity for the following accounts was not the same on XXXX, Transunion and XXXX. I enclosed a copy of my combined credit report showing all 3 bureaus side-by-side showing the inaccuracies. I asked you Transunion to Delete these accounts for inaccuracy/inconsistencies and violation for not responding back within 30 days. XXXX account number shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX For XXXX XXXX account number XXXX  and XXXX  XXXX  account number XXXX I disputed these accounts on XX/XX/2021. I hadnt received any correspondence and it had been over 30 days. I stated to Delete these accounts for failure to respond within 30 days. 

3. It is now XXXX XXXX and I still have not received any reply or correspondence from you Transunion from my XX/XX/2021 certified mail letter nor my XXXX XXXX certified mail letter. Delete all accounts below for violation for not responding back within 30 days as well as inaccuracies for Date of Last Activity and not willing to investigate it. 
XXXX account number shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number shows XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX The response back from Transunion on XXXX was that all the above accounts were verified as accurate and updated. Transunion is Willfully and wrecklessly reporting inaccurate information after being notified of the violations, reporting errors and failing to investigate or correct the error.
Product: Credit reporting

I disputed multiple inquiries on my report as not being mine as I hadnt applied for credit for a few years now. Some inquiries were removed but showed back up on my report. I 'm requesting that all inquiries without an open account be removed as I have yet to hear back from anyone concerning these fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Hi. My dad and I rented a property together in XXXX. My dad fell ill with a XXXX and his doctor ordered that he be placed in a XXXX ( XXXX ). My dad actually qualified for the property due to his financial status. However when my dad moved, so did most of our resources, leaving me with my income to care for the household. I got behind 45 days and received an eviction notice. I concurred with the eviction and vacated the property in XXXX XXXX or XXXX XXXX. Homeless, my XXXX kids and I stayed in a motel.To make a long story short, in XXXX of XXXX, out of NOWHERE, i received a letter from National Credit XXXX from the property management company saying I owe {$7900.00} for various damages. I left the property clean with no damages. I have been away from this property for over a year and some months!!! I paid {$50.00} to speak with an attorney for 30 minutes. He stated that " a landlord/property management company have 30 days to go after a tenant for property damages in the state of Georgia ''. I already have a charge of {$1000.00} plus {$1900.00} for the eviction and whatever else, on my credit report from them. Please help, I do n't have money for an attorney to help me get this off my credit reports.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud XXXX XXXX, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  # XXXX ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX  # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 

has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My husband and I have had a joint account connected to an Albert account for approximately six years and we've never had any problems. We were trying to change the phone number on our account over the weekend ( XX/XX/2023 ) and suddenly lost access to our account, at which point we were told our account is suspended indefinitely. Meanwhile, Albert continues to pull money out of our bank account and we have no way to stop this from happening other than claiming the charges as fraudulent. 

We've spoken with multiple representatives over the past week ( XXXX XXXX XXXX ) and were told we breached their terms of service, but they're now making it seem like that means they're entitled to the approximately {$2000.00} we have in a savings account with them. We have no way of pulling this money out. We would like to close our Albert account and get back the {$2000.00} they are withholding from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit card

Cease and Desist Request Regarding ELAN FINL SVCS Account Dear CFPB, I am writing to formally request a cease and desist against ELAN FINL SVCS regarding their handling of my account.

I have consistently made payments on time, updated my address when necessary and maintained communication with the company during times of financial hardship. Despite being advised that upon paying {$170.00}, my credit card would remain active, ELAN FINL SVCS proceeded to deactivate the card, causing significant stress and negatively impacting my credit score. When using this card I always made sure payments were paid off in full.

I request an immediate halt to any further actions and be moved from my credit by ELAN FINL SVCS that may continue to disrupt my financial standing. Under code 15 U.S.Code 1601, 15 U.S.

Code 1666b. I also ask for a thorough investigation into their conduct and their failure to adhere to the agreed terms. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 States Recovery Systems added a degratory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and therefore I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the XXXX States Recovery Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX ( XXXX  ) has violated my rights. 

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

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently the victim of identity theft. I have therefore been regularly checking my credit reports online through XXXX. However, for several months now, despite initially being able to access my Equifax report online, I now regularly get a message noting that my report is not available online and instead I have to request a report by mail.
Product: Credit card

Paid for XXXX nights at XXXX XXXX in XXXX XXXX, LA XXXX on XXXX XXXX, 2015 for arrival XXXX/XXXX/15 via XXXX. Upon c/i gave Sears MC XXXX credit card, got key went to room it was dirty took pictures. Called XXXX they called merchant they said no refunds, Sears customer service rep advised if stay no credit given. Went to merchant returned key did n't give me any paperwork even though I requested same. Stayed at the XXXX XXXX XXXX instead note : gave same cc got key and then went to room, it was clean. XXXX XXXX said he works in the sears office of pres. and because the cancellation policy does n't say anything about clean room I will not be issued a credit, dispute amount {$430.00}. I followed all the necessary steps for dispute process. Merchant claims services rendered they were not.
Product: Debt collection

I asked the company for validation of the account, provide a contract between us bearing my signature. They also violated my hippa rights as you will see below they have provide medical information they should have, they also didn't address all my questions in my validation request. Please see all necessary attachments needed to prove my case. 

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

I did not authorize these inquiries reported on my credit report
Product: Mortgage

I made mortgage payments, Wells Fargo accepted the payments and still foreclosed on my home. 
payments XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ -pmt - $ XXXX-PPD ID : XXXX XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ - pmt XXXX {$4200.00} - PPD ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX  indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX onXX/XX/XXXX 2021 One credit card applied for online through XXXXXXXX XXXX  on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXXXXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you