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

On the afternoon of XX/XX/XXXX at XXXXXXXX XXXX, Wells Fargo Banks Branch ( Tower Building ) in XXXX XXXX robbed {$20000.00} from my account. I informed the Wells Fargo Bank ( WFB ) of above illegal transaction in my account. 
On XX/XX/XXXX ; MsXXXX XXXX XXXX ( tel. No. XXXX XXXX ) of WFB responded by a letter Furthermore, branch video was obtained of disputed transaction and upon reviewing the branch video, Personal Banker XXXX XXXX XXXX at XXXX XXXX Branch which is located on XXXX XXXX XXXX, XXXX XXXX , Ca XXXX has identified you as performing the transaction. 
Ms. XXXX statement was false and untrue, since she emailed to the Branch some set of pictures ( not surveillance video ) and they were undated from different transaction. Please ask her to forward you the copy of that email, so you could see the truth by yourself. 
After three month of disappointing result from WFB I filed with the XXXX On XX/XX/XXXX, The XXXX investigator reported that two Wells Fargo employees/investigators reported XXXX directly that there is no surveillance video existing for the unauthorized transaction during the afternoon of XX/XX/XXXX The first names and phone numbers for these WFB individuals, as provided by the XXXX investigator, are : XXXX : XXXX ; and XXXX : XXXX. 
I am XXXX years oge and I am at your mercy to correct injustice, that brought upon me by the Wells Fargo Bank. 
Respectfully, XXXX XXXX My Debit card : XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX
Product: Debt collection

According to my last statement with XXXX  XXXX my balance was {$750.00}. How is it in collections for {$1000.00} CURRENT BALANCE 1  {$1000.00} Original Creditor XXXX XXXX XXXX XXXX 

Merchant or Service provider MIDLAND CREDIT MANAGEMENT , INC. - XXXX Original Account Number XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

I asked Experian to dispute an item on my credit report with my auto loan company they responded by saying the account is verified but they didnt provide information on how they conducted their investigation and on my report they are gaps saying no data available which means Experian cant even prove if I paid the account on time or late
Product: Credit card

I've consistently ensured that payments on this account are made on time, avoiding any overdue payments. Nevertheless, I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card

DEAR XXXX ; XXXX was shocked TODAY when I reviewed my credit report and found late payment on the dates below XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This is a complaint against Comenity Capital Bank for failure to cooperate with an identity theft investigation. For violations of the Fair Debt Collect Act and the Fair Credit Reporting Act. They are also liable under California Penal Code for their failure to cooperate. 

Comenity and their assignees have been provided repeated with FTC Identity Theft report number XXXX. They have been repeatedly asked to help in the identity theft investigation ( as noted in the attached letter ). However, as is their pattern, as exemplified by the statement of facts in Gonzales v. Commenity, Commenity has refused to cooperate instead going to the extreme of filing a lawsuit against me in the state of Arizona falsely claiming they are owed {$4000.00} on a contract executed in Arizona. 

On XX/XX/2021 I sent them a letter from my residence in the state of California asking them to cooperate with the identity theft investigation begun with FTC Report XXXX by providing the following documents : A copy of the original signed application Signed charge receipts for the {$4000.00} in alleged charges Proof of delivery of any merchandise charged to the account Any other pertinent identifying information. 

As a California resident, in addition to federal protections, California Penal Code Section 503.8 allows Comenity 10 days to provide that information before facing a {$100.00} per day civil damage accrual. In my letter ( attached ) I gave Comenity three additional days to provide that information. That time has expired and nothing has been provided -- although in that time they did serve me with their lawsuit with their fraudulent claims about a contract being executed in Arizona. I have of course, at great expense filed a response and a counterclaim, but the issue still remains that Comenity is violating federal law that CFPB is charged to enforce.
Product: Credit reporting or other personal consumer reports

I check my credit report on XX/XX/year> and noticed wrong information who dont belong to me.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I sent a letter asking them to reinvestigate these accounts listed XXXXXXXX XXXX XXXX  Original creditor name Open Balance XXXX $ XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Open Balance XXXX $ XXXXXXXX XXXX XXXX Original creditor name XXXX XXXX XXXX $ XXXX have not responded to me
Product: Debt collection

XXXX XXXX From : XXXX To : XXXX Mon, XX/XX/XXXX at XXXX PM For your security we XXXX all images and links in this email. If you believe it is safe to use, mark this message as not spam.Show images CREDITOR : XXXX XXXX XXXX NO : XXXX AMOUNT OUTSTANDING : {$1500.00} These Legal Proceedings were issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXXXXXX Company XXXX XXXX XXXX that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



We sent you this warning notification about legal proceedings on XX/XX/year> but you failed to respond on time now its high time if you fail to respond in the next XXXX HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/Faxing this issue to your current employer to make sure they are strict against you. Your salary and all your wages will be garnished. 



Do revert if you want to get rid of these legal consequences so make a payment today or else we will be proceeding legally against you. 



And we apologies that this notification will also sent to your current employer. The opportunity to take care of this volunteer is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



You can Email back to get the payment mode too. 

We will be forced to proceed legally against you and once it is processed the creditor has the entire right to inform your employer and your references regarding this issue the law suit will be the next step which will amount to {$7400.00} and will be levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your XXXX XXXX sheriff department and you will be served by court summons at your door step. 



WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 



TERMS & CONDITIONS YOU AGREED
Product: Debt collection

This company has derogatory information listed on my report I have asked for for proper validation they have not done so, I needed the signed agreement for the account they have failed to supply it to me, the account is not mines I never lived at those addresses Ive never obtained credit from this comany JARED GALLERIA, therefore I need them to immediately submit a request to remove the adverse information
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request - ( XXXX XXXX XXXX- ACCOUNT # # XXXX DATE OPEN XXXX XXXX AMOUNT {$27000.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$190.00} ), ( XXXX CRED- ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$340.00} ), XXXX- ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$350.00} ), ( XXXX ASSOC- ACCOUNT # XXXX XXXX OPEN XXXX XXXX AMOUNT {$440.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Bank of America regarding a recent incident that has caused me significant financial hardship. On XX/XX/scrub> 2024, I deposited a check for {$25000.00} into my account, which I received from what I believed to be a private money lender. However, it turned out that the check was counterfeit and I was the victim of a scam. 

Upon discovering that the check was fraudulent, I immediately contacted Bank of America to report the issue and request assistance. However, instead of working with me to resolve the situation, the bank made a unilateral decision to freeze my account without providing me with any information or communication. This left me without access to any funds, including my direct deposit, which I rely on to pay bills and feed my family. 

Despite numerous attempts to reach out to Bank of America for assistance, I have received no response or support from the bank. This lack of communication and assistance has left me in a dire financial situation, with no means to support myself or my family. 

I am extremely disappointed and frustrated with the way Bank of America has handled this situation. I believe that the bank 's actions have been unfair and have caused me unnecessary hardship. I am requesting that the Better Business Bureau investigate this matter and take appropriate action to hold Bank of America accountable for their actions. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

please remove these item that i request to remove from the past months and still reporting on my report, I already comply all the needed detail.
Product: Mortgage

On XX/XX/XXXX, I received an email from Newrez ( my new mortgage company ) that my insurance premium had been paid from escrow on XX/XX/XXXX. 
On Monday, XX/XX/XXXX, I received notice from my insurance company that my home owners insurance had NOT been paid. I called my insurance company to verify and to ensure that the correspondence/payments had not crossed communications paths. They in fact had NOT received payment for my homeowners insurance. I agreed to call back after the new year 's holiday to verify payment. I called back on XX/XX/XXXX, and payment had not been received. I called New Rez, and discovered that they did not send payment to the correct insurance company. ( Note : this is the ONLY Insurance company I've had homeowners with since purchasing this house. It has NEVER changed names or locations. ) In a XXXX way call with myself, New Rez argued that they would post date a check and put in in the mail today ; however, insurance company, the insurance company stated that there is NO grace period, and that payment MUST be received by XXXXXXXX XXXX. on XX/XX/XXXX or I would not have insurance, and that I would not be eligible for reinstatement. After some discussion and arguments quite frankly between the insurance provided and New Rez, New Rez agree to stop payment on check and that they would pay via phone electronically to my insurance XXXX before close of business. 
After hours on the phone and multiple call backs ( on recorded lines ) New Rez had not made payment by close of business on Friday, and I was promised that they would do so on Monday, XX/XX/XXXX. They did not, and as of XXXX XXXX XXXX, New Rez has still NOT paid my insurance premiums. I was forced to do so with money I do not have to ensure no gap in coverage. In a phone conversation on XX/XX/XXXX, I was informed by New Rez that they still hadn't paid my homeowners insurance!! During this entire ordeal, supervisors and management from New Rez have REFUSED to speak with me, and the customer agent on the phone has been unable to provide assurances that this matter would be corrected to prevent future reoccurrence or assurances that I could be provided a refund in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was done to my credit report from capital one, and I have not applied for any capital one I already have two that are active
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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: Debt collection

Loan at last started calling said I owe for a loan, I think they have mistaking me for some one else so I had asked if they can send me documents by mail to validate I owe. They said no they don't send validation by mail They said email only. I do not want to give my email to these people cause I'm not sure who they are yet. So I asked again. I said I need documentation to validate the dept mailed to me they said ya they will see what they can do. At this time I had asked if they could contact me by mail and not my phone. They call me over and over all-day. I want to file all documents and communications we have. But they keep calling me over and over everyday. They still have not sent me anything to validate. It's been 3 month they call daily. Today the guy got a attitude and would not let me talk. I said contact me by mail he said he will contact by what he has on file. I asked for a letter to validate he said no. He hung up on me and called me back. I answer but he hung up on me again. He kept calling and hanging up...
Product: Debt collection

EXperian Is reporting inaccurate information on my credit report. 

FCRA Violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also you are in FCRA violation 1681B Permissible Purpose.

Please provide me an original copy of any documents with my wet signature given you permission to furnish anything on my report.

also please provide me with who you investigated this information with before you furnished this alleged debt on my account. who did you speak with? please give me the names of any neighbor, friend, associate, and addresses and phone numbers.

FCRA 15 USC 1681d ( 4 ) ( a ) Disclosure of Investigative Consumer Report states- ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Product: Credit reporting or other personal consumer reports

In adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. XXXX and Experian, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy.

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor XXXX and Experian have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and Experian are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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. 
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