23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.
Product: Debt collection

I had previously did a complaint on portfolio Recovery Associates and I requested information on validation of debt as well as cease and desist. This company has YET to provide this information. I uploaded a validation of debt letter which stated specifically what I requested to validate debt followed by cease and desist. This was on a previous cfpb complaint ( XXXX ). There response was very limited and have not received anything. I provided the previous complaint above. I am now requesting for the SECOND TIME validation of the debt. Below I will attach the first letter uploaded to the cfpb the original complaint followed by the second follow up letter im sending. I should have been received this information. They are reporting to my credit after doing a cease and desist which is a form of communication still. I have requested this information back in XXXX. this second attempt I will highlight everything I am requesting by law which I am able to. Provide each line item that I am requesting If you cant this needs to be removed, this is my second attempt validating debt which your company should have validated the first time I did my complaint not respond with a short response. I am requesting this information to have for my records. 
Below I attached the first validation of debt letter which nothing was mailed to me or anything validating just a response on cfpb still never sent what I asked violation one. Also uploading my second attempt to get the information I requested.. 
Also uploading their response from the previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a {$50.00} and {$25.00} prepaid visa card for attending a timeshare presentation in XX/XX/XXXX. I went to used the card and I noticed they expired XX/XX/XXXX. I called the telephone number on XX/XX/XXXX to report that these cards were never activated or registered. The representative XXXX stated the balance was forfeited because it was not used by the expiration date. The card account information is MyPrepaidCenter.com XXXX, the company that manages the card is Blackhawk.
Product: Debt collection

I received a debt letter from a company called resurgent. They stated I owe money on a XXXX XXXX XXXX credit card Ive never even owned from 2007. I did call XXXX XXXX XXXXXXXX to confirm this and they stated Ive never had a credit card with them. I called the debt collection agency back to tell them its fraud and Im not paying anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for years. XXXX XXXX is showing up on my credit report. XXXX reported it was not my account and Equifax as well as the other credit reporting agencies took it off my report. XXXX closed the account connected to myself. However, it is still showing back up on my credit report to ruin my account! If you look at the previous documents and reporting you will see it gets taken off and put back on! The account is in XXXX and I don't even live there. I have XXXX  as my provider.
Product: Mortgage

New Rez purchased our mortage from our previous lender in XXXX. Our outstanding balance is currently under {$11000.00}. We received a letter dated XXXX XXXX XXXX  in the mail on XXXX XXXX XXXX  stating it was our " second and final notice that New Rez didn't have a copy of our hazard insurance and they planned on buying insurance for our property at a cost of {$2800.00}. '' This was the first letter we had received and we received it 11 days after it was dated which seems suspect. Upon opening, we immediately uploaded both our HOA and personal insurance on our property to XXXX XXXX XXXX XXXX XXXX XXXX  as requested. Our insurance policies have never lapsed. After uploading our insurance documents to the XXXX website as requested, we did not get a confirmation number or email, but a comment telling us that they'd let us know if there was an issue with transmission ( this seems odd ). We never heard there was an issue with our transmission so we assumed they got what they needed. However, I was very bothered by this threatening letter so I tried to email them that evening. They didn't have an email but a form I could fill out on their website so I filled it out letting them know we'd always had insurance, that we received one letter in the mail on the XXXX and had uploaded the documents. I asked them to please follow up and let me know they got our insurance documents as we were not going to be paying for insurance they purchased and never needed. I never received a follow-up from New Rez. Today, XXXX XXXX XXXX we received a letter dated XXXX XXXX XXXX stating New Rez has bought insurance for our condo and will bill us for it. Again, we received their only letteXXXX XXXX XXXX and uploaded the documents to their third party website. There is a phone number on the letter so I plan to call them on Monday as their office is closed but I am very upset. This company seems incredibly dishonest. In fact, I read another complaint from another customer where this same situation happened. It also appears there are many class action lawsuits against them. I login in to New Rez 's website at least once a month to pay our mortgage and the request for insurance never showed up on their website. They never called or emailed us. Instead, we got one letter in the mail 11 days after it was supposedly written letting us know it was our second and final notice to provide proof of insurance before they buy insurance and bill it back to us. Upon receipt of the letter, we did exactly what they asked of us and now they have written to tell us that they've purchased {$2800.00} insurance on our remaining {$10000.00} loan and will bill us for it. This is not reasonable but egregious. Terrible dishonest company!
Product: Mortgage

I have started this process in XXXX XXXX and as I write this letter there has not been any resolution. My husband passed in XXXX of XXXX. He tried for a modification and he died before any resolution. So, I lost my job in XXXX XXXX, and been trying to keep up, but found it difficult and started the process XXXX of XXXX of modification and assumption which customer service representative stated I could apply for, and I find myself hitting the same brick walls.. In fact, today I received a letter from the mortgage company threatening to foreclose on my property ( demanding all monies due on the home ). Although, the customer service representatives are telling me and have been saying that I am applying for modification, not to worry. Every time I have called there has been a problem with what was sent, even though it is actually what was asked. In the beginning I did not call on a regular basis because I thought that the mortgage company was working on my file. The customer service representatives told me it could take a couple of months. But as time progressed I became concerned and begin to call and found out that no one was working on my file because the documents I sent had expired. One particular incident stands out to me :. So when I called to get an update, the customer service agent I spoke to this time stated that my P & L was not signed, so this is why no one has looked at your file.I was told that my P & L statement was n't accepted because I did not sign and date it. I had called at least XXXX times prior and no on ever told me that this was a problem. In fact, I had to send another P & L because customer service stated the last one was outdated and still no one stated that I needed to sign and date. Are you kidding me!!! And this has been the story until today. I am attaching a portion of the correspondence that has been sent to me during the process of apply for an modification. I think my documents should be reviewed in a timely manner and someone assigned to my account should send me an update on a weekly basis.
Product: Payday loan, title loan, or personal loan

209percent interest on a {$2600.00} dollar loan. Now owe XXXX dollars because I don't have payoff amount. Falsely led small print writing I signed for but did not see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine, and some of my accounts where reporting late payment history which are incorrect I sent your bureau multiple dispute letters in regards to the below accounts on XXXX, XXXX, XXXX, and XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {$450000.00} home purchase in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted and the other accounts are not amended. I would prefer this to be handled without any financial damages and litigation.
Product: Mortgage

I filed Complaint # XXXX in XX/XX/XXXX. I reported that Wells Fargo was inflating my mortgage payments or over-escrowing. Wells Fargo responded that my mortgage increased due to my expenses ( Mortgage insurance and property taxes ). 
That was NOT correct. My mortgage payments, because Wells Fargo gave me a {$15000.00} mortgage insurance that I did NOT need. I had insurance. After my CFPB complaint, Wells Fargo said they discovered I had both XXXX and XXXX insurances. So, why did they give me a {$15000.00} insurance policy and increase my mortgage payments from {$2800.00} to {$4600.00}? 

Wells Fargo has be over-escrowing my mortgage account since XXXX and they are refusing to re-analyze my account until I get XXXX to refund the entire amount of my mortgage insurance which is {$11000.00}. 

I would have never gotten a policy with XXXX, if Wells Fargo had not over-escrowed my account in XX/XX/XXXX. I asked Wells Fargo to escrow my account on or about in XXXX. My mortgage prior to escrow was {$1900.00}. Once it was escrowed it increased to approximately {$2600.00}, then {$2600.00} and then {$2800.00}. The amount of {$2800.00} was a gross overestimation. My mortgage payments should not have been {$2800.00}. It was an increase of $ XXXX. This increase caused a financial hardship. 
In XX/XX/XXXX, I switched from XXXX XXXX to XXXX, in an effort to lower my mortgage payments closer to {$2600.00}. Instead, Wells Fargo increased my mortgage to {$46000.00}! 

PXXXX policy was {$11.00}, XXXX. I thought I was quoted {$1100.00}. I canceled XXXX and returned to XXXX. XXXX gave me a policy for {$3500.00} in XX/XX/XXXX. However, during this switch, Wells Fargo re-escrowed my mortgage account based on a {$15000.00} insurance that they bought for me. This caused my monthly mortgage payments to increase to {$4600.00}. I reported Wells Fargo to the CFPB, because I informed them that I was insured by XXXX. XXXX also informed Wells I was insured. Yet, Wells Fargo still calculated my mortgage payments at $ XXXX. 

Wells Fargo did an investigation and discovered that I never canceled the XXXX policy. Therefore, they want me to obtain a full reimbursement from XXXX XXXX. XXXX refunded {$7000.00}. However, Wells Fargo refuses to recalculate my mortgage payments. They are going to keep it at {$4600.00} until I get a total refund from XXXX for {$11000.00}. 

What is also very interesting about Wells Fargo, is the fact they sent me a check for {$1000.00} in XX/XX/XXXX. I believe this check was due to the overestimation of my escrow account and because I reported Wells Fargo to the CFPB. 






XXXX Fees Property Taxes 1st Half {$3000.00} Property Taxes 2nd Half {$3000.00} XXXXXXXX XXXX XXXXXXXX {$4000.00} Total costs for the year {$10000.00} Total costs per month {$840.00} *My mortgage is {$1900.00} + {$840.00} = {$2700.00} * My mortgage should have been {$2700.00} NOT {$2800.00} Please help me resolve this problem with Wells Fargo XXXX 
Thank you in advance for your help. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I got sick during XXXX really sick. I could not monitor all my accounts because I was so sick of XXXX XXXX somehow my accounts got compromised accounts. I thought it was closed for no activity have gotten fraud I pull my XXXX XXXX  report into my surprise. Bank of America was closed because of fraud a XXXX account I opened before XXXX hit. Also, my XXXX  XXXX XXXX checking account someone tried to direct deposit themselves money I reported the fraud and asked for a new account but was told I could have a new account, but I would have to get a whole new card I declined and it happened again a week later my account was closed. I was blamed. I have not been able to open another account with them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was NEVER late on my Bank of America account. I had the account paid to zero and was on a paperless billing cycle. The information on my credit report that has been reported by B of A is causing financial harm to me as a consumer as it's effecting my ability to obtain financing. It is INCORRECT. I have exercised my rights under the FCRA and have disputed this four times with XXXX XXXX, XXXX, XXXX AND B of A without any correspondence of any kind. I have not received any verification of accurate info. I am disputing this information as it contains erroneous AND unverifiable info that has caused severe damage to my credit worthiness. Please investigate and remove this inaccurate info. I was NEVER late on this account.
Product: Credit reporting or other personal consumer reports

Debt Validation Letter sent Cert Mail XX/XX/XXXX CFPB complaint 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 XXXXXXXX XXXX : Dispute Regarding Account [ XXXX ] and Failure to Provide Validation To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit reports and to address a failure to respond to my previous debt validation request. On XX/XX/XXXX, I sent you a formal validation letter requesting proof of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response, validation, contract, or any supporting documentation regarding this account. 

Furthermore, I have noticed that despite failing to provide me with the requested validation, you have continued to report information regarding this account to the credit bureaus. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure that all information provided to the credit bureaus is accurate and substantiated. Since I have received no documentation or explanation from your company regarding the nature of this debt, I demand that all reporting of this account to the credit bureaus cease immediately and be deleted completely from my credit report. 

Please consider this letter a formal dispute of the account. I request that you provide written documentation verifying the details of the alleged debt, including but not limited to the original contract bearing my signature, itemized accounting, and any other evidence proving the validity of the debt. 

You have fail to provide this information, I will consider the debt invalid and expect that you cease all reporting of this account to the credit bureaus and stop all collection efforts, and delete the debt from my credit. Responding by telling me to file a complaint on another agencies doesn't mean that they are not responsible for supplying me with the Validation of this debt per my request. 
If this situation is not rectified promptly, I will consider pursuing legal action. This is my 2nd filing Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 


Sincerely, XXXX XXXX
Product: Credit reporting

A security system sales person with XXXX XXXX XXXX out of Utah came to my house to sell me a security system on XXXX/XXXX/2015. He inquired of my date of birth, full name and my husband 's full name. I refused to disclose my birth date and I did not give him my husband 's first name. He then said that he had to verify that I was a homeowner and without my knowledge or consent, made an inquiry on my Trans Union credit report using only my name and address information. I also had not made a decision about purchasing the system from his company and will now not be doing so because he did not receive my permission to do an inquiry on my credit. I discovered this inquiry from XXXX XXXX XXXX ( XXXX ) by email when XXXX XXXX sent me a notification that a hard inquiry had been made on my credit report. I feel that the sales person, has been dishonest with me concerning his intentions to sell me a security system by pulling my credit without my consent or knowledge.
Product: Checking or savings account

I made 5 separate purchases on my debit card from XXXX  over a year ago on our business atm card. Its been over a year and {$950.00} in purchases and the merchant never shipped the items or has responded. I contacted Wells Fargo to get my money back and XXXX with no success. They claim its over 120 days and they have no say. I want my {$940.00} back.
Product: Checking or savings account

For XXXX years money was taken out of my account and I was charged for fees that I shouldn't have been charged for.
Product: Checking or savings account

On XX/XX/2019 Bank of America authorized {$1800.00} to be fraudulently transferred by XXXX. We immediately called Bank of America to notify them of the identity theft. They have since denied to refund our money. I filed with the local authorities.
Product: Mortgage

In XXXX, I send a request to add taxes to my escrow account for mortgage number XXXX. It was never processed. I followed up numerous times after that and was told that it will be processed by XX/XX/XXXX. As of today, XX/XX/XXXX it has not been processed and my account is frozen I am unable to make payments online. I was told that the freeze will be removed by XX/XX/XXXX, but again, nothing was done. I have asked to escalate this issue and a few members of escalation team promised me that it will be resolved. I had to make many calls so far, nothing was done. I was told to make a payment over the phone, but i dont feel safe telling an operator my banking information as there is not guarantee that it will not be misused in future.
Product: Credit card or prepaid card

Hello, So I received an email from American Express stating I was enrolled in a {$0.00} dollar plan it fee that expired by XX/XX/XXXX at XXXX MST. I called on the XX/XX/XXXX to verify that I was eligible and was good to proceed with purchases. I made one on XX/XX/XXXX for {$320.00} and was able to have no additional fees to pay it off. I made another purchase on XX/XX/XXXX for {$2100.00}. I went to create a plan for it, and I was being charged an extra {$370.00} to create a plan. I called and spoke to them and they said I didnt met the deadline which was XX/XX/XXXX and that I shouldnt have made the purchase. When the clearly it has already been placed on the XXXX and processed by the XXXX. Their only solution was to contact the seller and cancel it.