23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Starting XX/XX/XXXX when my card got locked I filed with XXXX XXXX they gave me a XXXX XXXX to use. Card got locked I called them to resolve the issue they told me I have to go to my tax place I went there they called XXXX. During the calls the customer service got rude and hung up. The next day I call they said I have to send documents stating I was the account holder they gave me the email and fax number to send the documents over. Stating XX/XX/XXXX I sent 4 emails with my documents for proof they told me it will be 48 hours at the most to hear back. After the 48 hours I contacted them they stated they didnt receive them ok I said fine can I talk to your supervisor they constantly got rude had me on hold for 43 minutes per customer service. They stated my account was locked due to needing to verify my identity I had access to everything on my account email they told me to fax my id I faxed it I have the receipt. XX/XX/XXXX I called to see what was going on they told me there was nothing to do to access my funds I had all my verification
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 ( at XXXX XXXX ), someone called me from Wells Fargos customer service number XXXX ( XXXX ) XXXX. The person said they represented Wells Fargo and was investigating fraudulent activity on my account. In sum, by using the same number as Wells Fargo 's Customer Service " XXXX ( XXXX ) XXXX '', by claiming to be an agent of Wells Fargo who was working on resolving/investigating the fraudulent activity on our account, this person was able to trick me into sharing my usemame and access codes. While I never gave the person my password, he was able to access and take over my account within minutes. I also believe the person also simultaneously called Wells Fargo, and was able to convincingly pose, as myself to Wells Fargo. This way, the person was able to trigger Wells Fargo to text access codes to my account while intercepting and misdirect any verbal messages communicated between myself and Wells Fargo discussing what the codes were actually for. The man took a {$19000.00} cash advance from my credit account, transferred it to my checking account, and then subsequently wired {$20000.00} to a person by the name of XXXX XXXX XXXX ( at XXXX XXXX XXXX Bank ) who I don't know, and conduct other smaller transactions. In sum, all available credit and any available money was drained from our accounts on XX/XX/2022. 

We call the Wells Fargo bank right away, ( w/i 30 minutes of the transactions being initiated ), and after being disconnected with the man who I though was Wells Fargo XXXX I was told that a fraud claim was opened on my account ( # XXXX ), and I would now need to verify my ID in person in a branch due to the flagged activity. At this time, I requested confirmation that all transactions from XX/XX/2022. But, Wells Fargo continued with the transactions anyway without waiting until I verified my ID in person like I was informed I must do. Likewise, I also later discovered Wells Fargo 's online fraud team left a message on my cell that fraudulent activity had been flagged while I was on the phone with the fraudster posing to be from Wells Fargo. 

After working with wells fargo non-stop since XX/XX/2022, their resolution was to reimburse all claims, except for the {$20000.00} wire transaction. Wells Fargo states based on the online access and other agreements the transactions I am responsible for the transactions because I provided the man information ( i.e. username and access codes ) regardless if the man gained the information fraudulently and the transaction weren't actually authorized by me ( or my wife ). 

Worse still, Wells Fargo made several errors in the investigations, and including also deducting {$19000.00} from our checking without reimbursing the money to our credit card. Specifically, in addition to the man stealing $ XXXX from our account, Wells Fargo took about an additional {$19000.00} from our account after concluding the {$19000.00} cash advance should be reimbursed. So, our account is now a negative balance and our credit card balance still remains maxed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,
Product: Debt collection

I took a loan out through denefits for some medical appointments. I was 3 days late in paying and they text messaged me and called me repeatedly saying they already told the credit bureau. After I told them they were harassing me, they started to text and call from. Different numbers. I haven't been able to pay because I was unable to finish the medical appointments, my daughter 's XXXX XXXX passed away and I no longer get child support or any support, I am on XXXX and tried to explain this but they continue to harass me, I have all the texts and emails but they keep saying they have mailed me via notarized mail but I haven never received any mail whatsoever from this company.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed invalid accounts from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my serious concern regarding the unresolved issue of information resulting from an alleged identity theft on my credit file. It has come to my attention that you are currently in violation of the provisions outlined in 15 U.S. Code 1681c-2, which mandates the blocking of such information within four business days of receipt of the consumer 's request.

To my dismay, it has been well over 30 days since my initial request for the blocking of the disputed information, and no action has been taken to address this matter. As a victim of identity theft, I assert my rights under the aforementioned law and demand the immediate deletion of the following accounts from my consumer report : Under 15 U.S. Code 1681b, it is clearly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I want to emphasize that I have never provided any consumer reporting agency with written consent to report any information on my consumer report, as doing so would be a violation of my rights as a federally protected consumer. Any reporting done without my explicit written consent is an act of identity theft.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before
Product: Debt collection

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LENDING CLUB CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and XXXX  by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.
Product: Debt collection

Contacted me multiple times for a debt I settled with a previous collection agency. Also contacted my mother more than once without her permission to contact her after the first time. They were sending mail to the wrong address due to a typo on their end so now other individuals have access to my information. After making sure this was a debt I took care of I called back to question why myself and my mother have been receiving calls from them on something settled and they wanted me to confirm my social security number. Knowing of all the scams that take place with this kind of stuff I was uncomfortable confirming my information. I told them that was not needed they just needed to stop contacting me and especially my mother because she did not give them permission and that was against the FCRA. The lady on the phone hung up on me after I said that.
Product: Credit reporting

I have disputed an Old Debt that is being reported as a new debt by XXXX XXXX. This debt when into collection in XXXX. XXXX keeps changing the date on this debt and re-aging it to appear new. Last year they claim this collection was opened in XXXX. This year it shows as opened in XXXX. Every-time they re-report this debt as new, it knocks my credit score XXXX points. XXXX is a third-party debt collector, they are not the original owners of this debt. They are not the collection agency. I have disputed this with the credit bureau and they refuse to investigate or change the information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # procollect inc 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN EQUIFAX AND XXXX  PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX all us dept of education XXXX XXXXXXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XX/XX/XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The late payments being reported on this account are inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX  XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history on my credit profile to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Checking or savings account

I tried to open a XXXX Checking account online with Capital One bank. I was asked to call XXXX to continue the application. I was told by the representative that my profile is restricted from the year XXXX  that I am not allowed to open any account with Capital One. To my best knowledge, I have never had any involuntary closure of checking/saving account by Capital one.
Product: Debt collection

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vegas Valley Collection Service ( VVCS ) alleges I owe {$1000.00} to the originator XXXX XXXX for a medical debt. 
I requested evidence and substantiation of this debt in a timely manner, but XXXX already made a negative collection report to one or more credit reporting agencies as early as XX/XX/2021, but did not provide me any documentation until XX/XX/2021. They ignored my requests to validate the debt and dispute of it in accordance with the FDCPA sections 807, 808, and 809. As of XX/XX/2021 VVCS continues to report the debt is valid, effectively ruining my credit score, cost of credit, and increased material costs because I have to abandon my projects until this dispute is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in the past and explained that these accounts do not belong to me. I have completed a police report as well as I have attached FTC identity theft report number XXXX. The following accounts XXXX XXXX account XXXX, XXXX XXXX XXXX/XXXX acct XXXX   {$5000.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3100.00}, XXXX XXXX XXXX/XXXX {$4300.00}, XXXX XXXX XXXX/XXXX {$6700.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3700.00}. I have never lived at these address XXXX XXXX XXXX XXXX XXXX, IL & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. There are also two inquries that are being listed that I have not given permission to access my credit report & I did not do this for XXXX/XXXX XXXX XXXX XX/XX/XXXX & XXXX/XXXX XXXX XXXX   XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

XXXX XXXX, account # 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have outstanding debt on my car loan with M & T Bank. I have been called XXXX times in the last XXXX days about this. I have explained my situation several times to them and they have even told me they have posted it in my notes. I have told them the earliest I could make a payment was XX/XX/XXXX. They have called me XXXX other times to try to get payments. I told them they could post date a payment for XX/XX/XXXX and they told me they ca n't post date it that far in advance. They can only post date it to the XX/XX/XXXX. This is a form of harassment and I want legal action to be taken against M & T Bank. I am unable to refinance the loan because the bank has told me I would have to be present with my father to do that. I live over a XXXX miles away from my father and am unable to travel back home for that. My credit has taken a severe hit because of this loan. I tried having my personal bank take over the loan and due to my credit it would have been too risky as they say to buy out the loan and refinance it. I am losing sleep over this.
Product: Checking or savings account

Code 4837 code 83-cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent. 

XX/XX/year> I regain full access to my chime account. 
XX/XX/year> I filed disputes for the amount of {$6900.00}. 
I spoke with the chime dispute manager. Both disputes were denied. 

I filed a police report due to unauthorized transactions in a different state. Manager explained to me to produce more evidence for my case. 


code 10.1 indicates an improperly authorized transaction, and reason code 10.4 indicates that the cardholder claims they didn't authorize a card-not-present transaction. Merchants can represent the transaction and reverse the chargeback with compelling evidence if they believe they've received an invalid chargeback.
Product: Checking or savings account

On XX/XX/2022 I deposited a check drawn from Citizens Bank in the amount of XXXX ( from the proceeds of a real estate sale ) an XXXX account. to my checking account in Citizens Bank. The Bank put a hold on the funds for 2 business days and counting. I contacted the bank to ask them to release the funds to no avail. When I deposited the check I was informed by the teller that the funds will be available the next business day. I called yesterday after waiting on hold for 30 minutes I was promised that the funds will be available today. the hold is still there as of this writing.
Product: Debt collection

Agency refused to give their name. They were attempting to collect a debt that was discharged in XX/XX/2010 through a Chapter XXXX bankruptcy. They are in violation of a court order. 

Their phone number they called from was XXXX. 

They said to call back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card company report of non payment to credit bureau due on XX/XX/2021 to drop 75 credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint