23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My dispute is with Wells Fargo Bank. My claim # with them is XXXX. I was out of the country from XXXX. When I landed, I saw some fraudulent transactions made on XX/XX/XXXX. One for {$46.00}, one for {$20.00} and one for {$870.00} ( which when it posted a couple of days later was split into two transactions of {$430.00} ). I let Wells Fargo know that I was out of the country, yet they failed to flag these big transactions as fraud. Yet, while I was abroad I almost got stuck in an airport because they flagged a much smaller transaction as fraud even though I told them I was traveling. I had to pay international calling fees to call WF Bank in order to remove the hold. 

As soon as I saw the fraud when we landed, I called to report it. However, WF noticed that the {$20.00} charge was recurring and that it started back in XX/XX/XXXX. They started the inquiry from XXXX but failed to let me know about the 60 day rule. So they refuse to refund the almost {$900.00} because of XXXX {$20.00} charge back in XXXX for a rule that I was never aware of. 

They told me that the Reg E rule is in all the disclosures when I open up accounts however, I keep finding that the Reg E wasn't a thing until XXXX and I've had my accounts open since I was XXXX XXXX XXXX ( XXXX ). 

I also found out the the charges of {$430.00} were made through XXXX online and the people did not use my name when entering the card info. It should have never gone through if the name they used didn't match the name on the card. These transactions should have immediately been flagged because of using the incorrect name and also for the fact that Wells Fargo was aware that I was in XXXX when these transactions occurred. I also should have been made aware of the 60 day liability rule.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOMEVER IT MAY CONCERN ; This is about Consumer Credit Transaction entered with your Company dated ( XX/XX/2022 ) and I extended your organization the credit for the account number ( XXXX ). 

I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the Cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to remove the below-mentioned information from my Consumer Report : Account name : XXXX XXXX Account Number : XXXX Account opened : XXXX XXXX, 2022 Balance : {$250.00} If you accept my request, I will not escalate this matter to a federal court. In case you do not accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter Sincerely, XXXX XXXX
Product: Credit card

I have over 10+ charges on my account and I called and told them that I never made these charges. My purse was stolen at the airport and now I have a huge bill on my Navy Federal Amex card!!!!
Product: Checking or savings account

I filed a claim with cash app on XX/XX/2023 for a unauthorized transactions, I reached out to cash app multiple times to see what was going on with my dispute I was told that there was no update each time, according to " regulation e '' provisional credit must be given within 10 business days if the investigation of the dispute takes more than 10 days, 10 days passed and cash app hasn't provided me with a provsional credit, putting them in violation of regulation E. I was sent an email stating that the dispute was won in my favor. on XX/XX/2023, cash app is in violation for not following the law and providing me with my provsional credit on or before the 10th day. I submitted text between me and cash app.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX  XXXX XXXX TX XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX - XXXX As of XX/XX/24 per a CFPB response from XXXX XXXX XXXX, they are unable to locate an account based on the information provided ( full name and account number listed on report ). I have never done business with XXXX XXXX XXXX so this is accurate. The letter is attached. 

As you know it is against the law to report any information not proven accurate. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report any information on my credit report without my permission.

I demand that you provide me with concrete evidence of my obligation to said accounts. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Product: Mortgage

My loan servicer for my mortgage is DITECH. I requested a LOAN MODIFICATION application late XX/XX/2018. Never received it. I waited and waited and then in XXXX I called and talked to a REP. I told him I never received it and all he could say is that he would have to make a request to the main office to see if they would send me another one. He said they had 30 days to make their decision. HAVEN'T GOT IT YET. They constantly play games. My income is {$1500.00} a month and my mortgage payment is {$700.00} and they won't help me. Plus, I can not afford my property taxes. I get SOCIAL SECURITY and a Tiny Pension
Product: Debt collection

Citizen 's one continues to call for some auto loan that is not mine. Over ten times I have explained that my number does not belong to XXXX XXXX and each time the promise to remove my number but they call one to two times per day except Sundays. I was told the number to call to get more information is XXXX XXXX XXXX.
Product: Credit reporting

I saw incorrect info on my credit report about two years ago and filed a complaint. I stated that the time I was supposed to have applied for a credit card, I was living XXXX, but if I had been sleepwalking ( or flying ) they should show me where I signed. They did not answer or take the info from my report. I filed another report after many months and again they did n't react, So, here I am again. I recently applied for dental financing and was turned down. They sent me Trans Union address to complain. I tried to call, but only recorded instructions. Please help me. Thanks!
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 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: Credit reporting or other personal consumer reports

XXXX XXXX sold the deferred amount of {$95000.00} to BSI, but are not deducting the sold amount from the retained amount when reporting to the credit bureau. My statement balance with XXXX XXXX is {$310000.00}, but XXXXXXXX XXXX  is falsely reporting {$410000.00} to the credit bureau to include the {$95000.00} they sold to BSI. The issue is that I'm making payments to BSI so XXXX XXXX is not reducing the {$95000.00} as I make payments towards the deferred amount sold to BSI. XXXX XXXX XXXX reason is that BSI is not making them aware of my payments to BSI. Since XXXX XXXX has decided to report the {$95000.00}, which no longer belongs to them, they are responsible for reporting the correct amount therefore should do their due diligence to achieve updated information from BSI each and every time that they report my balance to the credit agencies. As I am making them aware that they are not reporting the correct balance of the deferred amount that they sold to BSI they are willfully and knowingly reporting an incorrect balances of the amount that I owe on the original deferred amount of {$95000.00} which is impacting my credit score therefore impacting interest rates offered to me. This means that there is harm if I were to file a tort claim which I am seeking legal assistance in this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : XXXX XXXX XXXX XX/XX/2018 {$3200.00} XXXX XXXX XXXX XXXX XX/XX/2018 {$910.00}
Product: Debt collection

This company is falsely reporting on my credit and refuses to provide debt validation I have paid off 75 % of this debt. They refuse to give me a 1099 to file as taxable income even though it is blatantly stated as a profit and loss right off. They are asking for {$2400.00} dollars and the highest balance was {$1900.00}. It has been sold to Vance and Huffman after written off as a loss they are fraudulently asking for more than what is owed.
Product: Debt collection

I called Preferred Credit on XX/XX/XXXX. Spoke with the rep who answered the phone. Asked about the debt and how to take care of it. She told me that the debt was charged off in XXXX as a loss. And at this time I was not obligated to pay off the debt. She couldn't give me written proof that I was obligated to pay the debt off. And that I could pay it in full if I wanted to but not obligated. I asked to settle and have it removed and she told me she couldn't do that as if it wasn't paid in full they couldn't take it off my credit report. And I asked her if I wasn't obligated to pay the debt, but offering to settling it with a agreement of less than what was owed, and they still wouldn't take it off my credit report doesn't make sense. I was trying to settle a debt that the company told me I wasn't obligated to even pay, and all I asked was to remove it from my credit report if we came to an agreement for a fair settlement price. They still wouldn't accept that. And I asked again if I wasn't obligated to pay then they need to remove it from my credit report and they said they couldn't. The company isn't even reporting the correct information on how much the debt is for. It says XXXX but it is actually around XXXX. I am asking that you investigate this information. And if it's not correct, that is to be taken of my credit report. Thank you. 
XXXX XXXX XXXX
Product: Debt collection

Charges are false, disputed several times with proof, and still exist on credit report for over 7 years.
Product: Credit reporting or other personal consumer reports

XXXX HAS FAILED TO RESPOND TO MY DISPUTE SENT VIA CERTIFIED MAIL ON XX/XX/year>. RECEIVED ON XX/XX/year>. 

12 CFR PART 1022.43 STATES THAT FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE MUST CONDUCT A THOROUGH AND TIMELY INVESTIGATION. 30 DAYS.

15 USC 1681S-2B ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.

15 USC 1681i STATES : a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

IT HAS EXCEEDED THE 30 DAY TIME LIMIT PLACED ON FURNISHERS OF INFORMATION. 

I CALLED XXXX ON SEVERAL OCCASIONS TO ADDRESS THE MATTER AT HAND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EACH TIME I WAS ASSURED THAT THE DISPUTE WOULD BE HANDLED ACCORDINGLY AND IT WAS STILL PENDING. 

XXXX HAS FAILED TO SEND ME CERTAIN DISCLOSURES REQUIRED BY LAW. 
XXXX HAS VIOLATED MY PRIVACY. 
12 CFR PART 1016 STATES THE DISCLOSURES THAT MUST BE GIVEN INCLUDING OPTING OUT. 
I NEVER GAVE XXXX WRITTEN PERMISSION TO SHARE MY NON PUBLIC INFORMATION WITH ANY THIRD PARTIES.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Product: Credit reporting or other personal consumer reports

The following hard inquiries appearing on my credit report are unauthorized and/or not recognized by me. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 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: Mortgage

Ocwen Loan Servicing offered me a Loan Modification in return for Dismissing my Appeal in the XXXX XXXX after Foreclosure Fraud. I accepted the Deal, Signed and Notorized the Loan Modification Paperwork and started sending Payments. I also signed Thier Attorney 's Release form from the Pending Appeal against them, Which they continually harassed me about. After making a Few Payments on the Loan Modification and Moving Back into the Property, Ocwen decided to send me an eviction Notice! I immediately Called the Attorney that designed the Loan Modification and was " Acting on behalf of Ocwen '' The Attorney " No Longer Represented Ocwen and or XXXX XXXX ''. It appears that Ocwnes Attorney never Completed the Paperwork on the Loan Modification. 

I have attempted to request an evidentuarty Hearing in my Local County Court and was Denied due to " No Legal Basis ''. I want to save my Home and find out what Ocwen has done with my Loan Modification Payments and why they are not honoring the Loan Modification? Also, The City has shut of the Water now and will not restore until my name is back on the Certificate of Title which has caused myself and my Children XXXX.
Product: Mortgage

The XXXX group located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, MI is servicing my loan. Last month XXXX was servicing my loan. I paid XXXX my full mortgage payment and the funds were taken from my account. TowneMortgage group is now charging me for XXXX full mortgage bills and XXXX still has my money. I have been trying to get in touch with both groups for 3 days with no calls back or response. I have also been trying to remove the PMI off my loan and XXXX has never responded to my requests. Please help.