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

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Product: Debt collection

XXXX  violated their arbitration clause.  XXXX  put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     O n   XXXX   XXXX   XXXX   ,  Zwicker & Asscociates PC on  behalf of   XXXX   XXXX   filed a claim in Small Claims Court against me for approximately {$3500.00}. Zwicker & Associates hired local attorneys  XXXX  and  XXXX  to r epresent    XXXX   XXXX  .        XXXX   XXXX   XXXX  ,  I filed a  Motion to compel Arbitration.         XXXX   XXXX   XXXX  ,  the  Court Ruled.  Ruling states, Arbitration filed with   XXXX   ( #  XXXX  ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XXXX   XXXX , Counsel for  XXXX  files a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on     XXXX   XXXX   XXXX  .
On or about   XXXX   XXXX   XXXX  , I received a letter fro  m  XXXX  and  XXXX  c/o  XXXX  stating their client  may  be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''    XXXX   XXXX   XXXX   ,  XXXX  closed the case. Case terminated because  XXXX  failed to pay and participate in Arbitration.        XXXX   XXXX   XXXX  , a Motion for Joint Stipulation f or Substitution of  Counsel  was filed.  XXXX  and  XXXX  was no longer representing  XXXX  and Zwicker & Associates.     Year Later ,   XXXX   XXXX   XXXX   , Zwicker & Associates files a motion to return case to active docket.   Zwicker & Associates KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.   Zwicker states, As of  XXXX / XXXX / XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  XXXX   XXXX   (   XXXX  ).     THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   The Plainti ff ( Respondent ) w ho is  XXXX  failed to pay case management fee.   XXXX    sent the counsel for  XXXX  several letters requesting payment but they failed to respond.        XXXX   XXXX   XXXX  , Court dismisses case without prejudice. Judge writes t he following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.        XXXX   XXXX   XXXX  ,  Zwicker & Associates c/o  XXXX  files a motion to vacate dismissal to refile a new arbitration case since the  first one can t be re-opened.     Zwicker & Associates c/o  XXXX  failed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
Product: Money transfer, virtual currency, or money service

Wells Fargo let individuals come into their branch, commit fraud and violet The Patriot Act. They did not investigate and treat the victims as the criminals. My family was threatened, job and marriage if I went to the police. I submitted documentation to the FBI, Local Police and Secret Service surrounding these wire transfers. 383 pages of documents went to all banks and police. The individuals also said if I went to the police they would say the money was for XXXX   plots or to XXXX my wife. Last XX/XX/2018, I notified Wells Fargo of wrongdoings in their checking accounts and asked them to investigate. Basically, use the information that they used to open the accounts such as social security, DMV, etc. and gave them names of law enforcement to reach if needed. Several letters later, Wells Fargo would rather protect the rights of criminals and violate the patriot act then investigate. They stole my identity thru DMV records and social security. There have been little discussions with Wells Fargo executive and fraud group because they will not do anything even though I am a customer. We will end up in court due to their hindrance of an investigation and violating The Patriot Act!
Product: Money transfer, virtual currency, or money service

Subject : Urgent Request for Reinvestigation, Reimbursement, and Account Resolution Case No. XXXX Dear Cashapp and XXXX XXXX Account Specialist Teams, Thank you for your prior communication. I am writing to formally request an urgent reopening of my claim ( XXXX XXXX. XXXX ) and a comprehensive reinvestigation of the recent transactions that have affected my account. 

Unfortunately, my card was lost and subsequently stolen, leading to unauthorized transactions that depleted all the funds on my account. I did not authorize these transactions, and they were carried out by a fraudster who gained access unlawfully. Given these circumstances, I am requesting that you please reconsider your decision, as I believe it does not reflect the reality of the situation. 

I am requesting the following actions : 1. Immediate reimbursement of all lost and stolen funds that were fraudulently accessed.

2. Issuance of provisional credits to cover these losses while the investigation continues.

3. Closure of my current account to prevent further unauthorized transactions.

4. Approval for a new Cash App account to continue using your service securely moving forward.

This situation has been extremely distressing, and I would greatly appreciate your prompt attention to resolving this matter. I believe that, with your help, this issue can be quickly resolved to ensure I am not further affected by this unauthorized activity. 

If this situation is not resolved, I will be forced to pursue further action, including submitting complaints to major regulatory bodies. However, I am hopeful that Cash App will take the necessary steps to correct this situation without further escalation. 

Thank you for your immediate attention and understanding. I look forward to your swift response and a positive resolution to this matter. 

Sincerely, Name : XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

My check is usually deposited on Wednesday but I have received no deposit. This is causing me an inability to pay my car payment which may result in fees. I also cant afford gas or food. I was relying on this money. I request an investigation and any fines/fees be assessed.
Product: Checking or savings account

I deposited a check and extra funds were taken out not of my knowledge.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a Veteran in the United States Army. I am also in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.
Product: Credit reporting or other personal consumer reports

I am contacting the credit bureau regarding the account, XXXX XXXX XXXX. It appears the account was recently reported as a Closed Account with Negative Remarks. Again your agency is in violation with FCRA and possibly FDCPA. A company can not lie about line items and you all certainly can not report without my knowledge of alleged debt. This has been a harm to my credit as you refuse to remove the account. It is not validated and you all have NOT provide proof of the debt. Please advise a data furnisher does not suffice! I am disgruntled and this investigation has been going on far too long! 

You are well over the XXXX  day window as I have made several complaints and your company surely will be sued without proper removal.I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. Remove the debt immediately.
Product: Debt collection

XXXX phone bill that have been reporting since XX/XX/XXXX to credit report Experian. I have dispute this account with Experian and ask them to provide information on how the verifying the information. I called XXXX and they have no information of this account and why its reporting. I suppose to close on my home now this account is reporting as a charge off for XX/XX/XXXX. The account was originally charge off in XX/XX/XXXX according to old credit reports.
Product: Debt collection

To Whom It May Concern, I am writing in response to a recent indication regarding an alleged debt of {$330.00} discovered on my credit report. Please be advised that I am requesting validation of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting the following : Proof of the Debt : Please provide documentation showing that I owe the alleged debt, including a detailed statement or invoice, and proof that you are authorized to collect on the debt.

Assignment of the Debt : If this debt has been sold or assigned to your agency, I request a copy of the assignment contract or any other documentation proving that you have legal ownership or the right to collect this debt. 

Original Creditor Information : Provide the name and contact information of the original creditor, including the account number with the original creditor, and any agreements or contracts related to the debt.

Itemized Statement : Please provide a full and itemized accounting of the amount owed, including any interest, fees, or other charges. 

Until I receive this requested documentation, I do not acknowledge this debt and request that you cease any further collection efforts until proper validation is provided. 

Cease and Desist Request : In addition to the above, please consider this letter as a formal request to cease and desist all collection activities, including telephone calls, written correspondence, and any other contact regarding this alleged debt. Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you stop contacting me immediately unless the requested debt validation is provided or you are otherwise required to do so by law. 

If you continue to attempt collection without providing the requested validation, I will file complaints with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ), and my states Attorney Generals office as the Consumer Financial Protection Bureau ( CFPB ) has already been notified.
Product: Money transfer, virtual currency, or money service

I'm trying to close a chargeback that I filed with my card issuer. My card issuer already closed the chargeback but PayPal hasn't. I filed a chargeback with XXXX because of a problem I had with an order I placed through PayPal. I closed the chargeback case through XXXX but PayPal still hasn't closed it yet and that is affecting my refund status. I filled out an affidavit form that they requested but they still haven't closed the case yet. The merchant that I ordered from through PayPal says that they will only refund me once the chargeback is closed. I really need this to be resolved as soon as possible so I can get my refund. 

PayPal Claim ID # XXXX Transaction ID : XXXX XXXX email : XXXX XXXX
Product: Checking or savings account

Wells fargo mishandled a dispute I had with a charge on my account. Spent many hours on the phone and many emails were sent. At one point the manager of the fraud department offered to give me $XXXX FREE money to cancel the dispute. I declined this offer and further sent more documentation. They then cancelled my account in the middle of the dispute and then reopened an account that I had NO record of with a completely different account number.
Product: Checking or savings account

I went to the Wells Fargo Bank on XX/XX/XXXX to Deposit a rollover Check {$34000.00} into my XXXX   Account. The bank lost the check and my husband and I have been in touch with the bank to get the issue resolved. As of XX/XX/XXXX, the bank has not recovered the check and we have not heard from anyone unless we called them.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I made a payment to XXXX XXXX for a car loan. This was my first payment The payment was processed. I check a couple times on the online system and it said the payment was processed. 
I received an experian credit report update on or aroundXX/XX/XXXX that said i have a late payment with XXXX XXXX. I checked the call in system and it said payment was processed onXX/XX/XXXX. I called the XXXX XXXX rep to find out what happened and she said payment was processed. I said your system told me it did. I found out that my bank gave me the wrong account instructions for my account. They wrote me a letter saying this was not my fault. That and also the XXXX  system telling me that the payment was processed gave me no way to no that I was 30 days lately. This is damaging my credit unfairly
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

On XX/XX/XXXX I filed a dispute with your agency which referenced three ( 3 ) accounts erroneously being reported to my credit report. In response to my dispute i received an auto generated letter dated XX/XX/XXXX which explained that it didn't appear that me or an authorized person sent the dispute letter. This is the second time that you sent me this same exact letter, ( as I also attempted to send in a dispute referencing the same accounts last year ). I'm taking this to be some type of malicious stall tactic in which you do not want to fulfill my request to investigate my accounts. The accounts and reasons I continue to dispute are as follows : XXXX XXXX Government unsecured guaranteed/direct loan with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXI dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account and apply the consumer protections laws afforded under the Fair Credit Billing Act to report my account as having no late payments ( paid as agreed ) ; Collection account from XXXX XXXXXXXX XXXX  with account # XXXX and a balance of {$8900.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$6000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report from XXXX XXXX XXXX XXXX and one or two of the credit reporting companies reported as closed and dispute under investigation on the other ones but I need it completely removed from my credit report because it is stopping me from getting into an apartment and also needs to be closed with the current disputing companies can you please correct this and remove it and close it and removed as well on any other credit reporting companies please and thank you the balance was {$3600.00} and it is for XXXX XXXX XXXX. Reports are from XXXX XXXX XXXX.
Product: Mortgage

When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. 

We got the Dwelling Tax bill on XX/XX/2021. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/2021, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/2021 due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill.
Product: Debt collection

I am writing to file a formal complaint against XXXX and Experian for their failure to properly investigate and resolve a dispute I filed regarding an inaccurate medical collection account on my credit reports. Despite providing sufficient documentation to demonstrate the inaccuracy of this account, both bureaus have refused to correct the information. 

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I initially disputed this account XXXX XXXX, Experian, and XXXX. XXXX completed their investigation and removed the collection account from my credit report, acknowledging that it could not be verified. However, both XXXX and Experian have maintained the account on my credit reports without providing sufficient verification or explanation, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

In addition, the medical collection account in question does not match my full legal name as it appears on my government-issued identification. Furthermore, the account also lists an address that does not match my residential address. To further investigate, I contacted the collection agency associated with the account. Over the phone, they confirmed that the name associated with the account is similar to mine but not an exact match. This discrepancy further proves that this account does not belong to me and should not appear on my credit reports. 

Actions Requested : 1. Conduct a thorough reinvestigation into the disputed account. 


2. Remove the inaccurate medical collection account from my credit reports with XXXX and Experian. 


3. Provide a detailed explanation of the verification process used for this account. 



The failure of XXXX and Experian to resolve this issue is causing significant harm to my creditworthiness and financial stability. I request your assistance in holding these credit bureaus accountable and ensuring compliance with FCRA requirements. 

Attached to this letter, I have included : A copy of XXXX resolution confirming the removal of the account. 


A copy of my government-issued ID, showing my full legal name and address. 


Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will ensure a fair resolution and take necessary action to prevent future occurrences of such practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX