23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with XXXX ( Continental Finance ). The credit limit is {$500.00}. It was renewed automatically in 2016. I never used it in 2016 but to date I have been billed {$240.00} in fees. I paid {$170.00} in fees just to protect my credit and I cancelled my card but the bills keep coming. My credit rating is damaged and I am still getting bills, the latest is for {$160.00}.
Product: Debt collection

This company has called a friend, my place of employment, my sister, my brother-in-law, my nephew and my home phone and my cell phone numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

5/3 Bank has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at 5/3 Bank. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I pulled an Experian credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX XXXX : open responsibility- joint XXXX XXXX XXXX  opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open responsibility : individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX , XXXX XXXXXX/XX/XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.
Product: Checking or savings account

Wells Fargo stole {$1200.00} from my checking account and then they intentionally DELETED  the transaction from my bank statement and online banking.    Wells Fargo com mitted bank fraud by deleting the stolen {$1200.00} transactions on my account.   I have the bank statements showing the transaction was DELETED.   They tried to cover their tracks of stealing the {$1200.00} by DELETING the transaction all together.   They never refunded the stolen  money. Wells Fargo has a l ong history of STEALING from clients. They are probably stealing money from millions of clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I sent XXXX a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because XXXX sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of XXXX removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that PNC BANK have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PNC BANK and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Mortgage

I have been trying with Lender 360 mortgage, but I am behind so they will not accept partial payments only full payments with prearranges included also. since XX/XX/2016 they called me every two weeks to remind that they newer a debit collector and gave the new behind payment amount. Consumer law says they are on the lead of this to stop sale but the same questions of payments and intent of property are first and not take a payment. Now three weeks later we are still doing a hard ship letter again with same reasons but further explained as if the circumstances have changed much. But I have now got bad credit with giving up on credit score to keep home and now two weeks to sale I don't believe they have or even care of the impact this will have on my psychological state I have no other recourse due to college students [ children ] need expensiveness and garnishment for child support.
Product: Checking or savings account

I deposited a check for {$1000.00} on XX/XX/2022 to regions bank. The check went through fine and was paid to them, but they did not like the way it looked. So they shuttered my account and refused to return any money to me but they keep charging fees on the account. So the money in there is good enough to pay them, but not available for me to use. I went to the local office to discuss it with the manager and was told that all they can do is submit a 'ticket ' because their fraud department has no telephones. It is now XXXX and they still refuse to return my money even though I have given them evidence that there wasn't anything wrong with the check. When I complained that I needed the money one of the employees told me I should have had a back up plan, and I shouldn't deposit checks into regions bank because that is their standard policy to close accounts without notice.
Product: Credit card or prepaid card

I have a Chase Sapphire credit card. On my XX/XX/2020 statement, I noticed two charges that I had not authorized, one from XX/XX/XXXX and the second from XX/XX/XXXX. I immediately called Chase to advise of these fraudulent charges - one from Amazon.com and the second from Amazon XXXX. Chase was unable to provide further details on what these charges were for. At my request, Chase gave me a number to call Amazon to further investigate, which when I called, I found out the number was not being monitored due to COVID 19. Chase then said it would close that account and open a new one for me because of these fraudulent charges, which it did. However, on my XXXX statement on my NEW account, these same charges showed up again!!! In the interim, I had no communication from Chase, although they have my email address, my physical address ( where statements are sent ) and my phone number. I called Chase again on XX/XX/2020 and was put on hold for an extremely long time and shuffled between two representatives, XXXX and XXXX. XXXX first said that someone from Chase had called me on XX/XX/2020 - I told him I had no record of any call on that date from Chase. He then said my dispute would go to the " rebill dispute team '', and that because I had previously made purchases on Amazon, Chase just assumed through their account algorithms that these two charges were accurate even though I had promptly disputed them and they had closed the account! To this day, I have never been given any further information as to what these Amazon charges are for.
Product: Credit reporting or other personal consumer reports

I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo filed action for a foreclosure sale inXX/XX/XXXX I filed for Chap. XXXX bankruptcy protection in XX/XX/XXXX. I was eventually given a loan modification in XX/XX/XXXX essentially starting over with a new mortgage. I have since fallen behind on my mortgage. I have filed numerous applications hoping to get a new modification and start making payments moving forward. All of my requests for modifications were denied. I appealed the denial and recently was told my appeal was denied. I assume Wells Fargo 's next step will be to set a foreclosure sale date. If this is done I will be forced, and am prepared, to file for Chap XXXX bankruptcy protection again. I am trying to work with Wells Fargo on a modification. I would like to avoid filing for bankruptcy if possible. In researching possible remedies for my predicament I have found that Wells Fargo has violated numerous federal laws, most specifically the Real Estate Settlement Procedure Act ( RESPA ). I also believe Wells Fargo could be found liable under the Massachusetts Consumer Protection Act ( Chap. 93A ). I am considering options available and would appreciate any information that may be relevant to my case.
Product: Prepaid card

I have purchased a total of XXXX XXXX XXXX cards. Each one has been use fraudulently. Each was a gift to my father. The 1st time, I thought that he had misused it or forgotten that it had been redeemed. That was in XXXX XXXX. Then in XX/XX/XXXX, I purchase 2 {$100.00} gift cards in XXXX XXXX at either XXXX XXXX XXXX or XXXX. I looked up each card and both had been used at a XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX. This was not by my father. When he went to redeem, he was told that neither had any cash value left on them. I know that a case has been filed in NY stating that : XXXX XXXX XXXX XXXX XXXX XXXX et al. 
FILED : XX/XX/XXXX XXXX Read Complaint A class action lawsuit alleges Visa has failed to warn the public that its Vanilla gift cards are regularly redeemed fraudulently by third parties. 

I have attempted to contact XXXX XXXX cards directly for each card and have not heard back. My total loss is {$300.00}. 
Card numbers : XXXX, XXXX, XXXX I am only allowed to enter one card number on this complaint Any advice is appreciated!
Product: Credit card

I called 7 times in last month, faxed emailed over XXXX times last year and they refuse to talk over phone. Why? They know they have to pay out and were wrong, now they illegally reported my to TRANSUNION which they reported positive for over a year and my account been closed for over a year, this is not ONLY ILLEGAL, but my credit dropped over XXXX points and now I can not get my car loan or job I Was up for this, this is so serious, I will have to now ask for XXXX dollars if they do not call and fix both issues asap. This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost XXXX with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear, I recently came across claims on social media stating that Kickoff could boost credit scores by XXXX points simply by establishing an account. However, this information was misleading. Instead of improving my credit, your company has negatively impacted my credit report with multiple late payment records, which has significantly decreased my credit score.

Given the harm caused, I request the following actions : Immediate removal of all late payment records from my credit report. 

I appreciate your prompt attention to this issue and look forward to your response.
Product: Checking or savings account

opened the account XX/XX/XXXX and setup direct deposit from work, Sofi frozen my account after first direct deposit sent to my account on XXXX, tried to contact them on both regular support and Security Team and it all goes to voice mail, they froze my account and never contact me and I have no way to talk to a real person, and I can't transfer the fund out
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 a letter was sent to Equifax to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXX XXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX has consistently failed to provide the necessary documentation proving they own the debt in question. Instead, they have only responded with billing statements, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), debt collectors are required to provide adequate validation of a debt when requested. This validation must include proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not establish that the debt collector has the right to collect on the debt.

In addition, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation of this debt, the continued reporting of this account on my credit report violates these federal laws. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and remove any and all references to XXXX XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

XXXX, Equifax, and XXXX is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/2021 regarding inaccurate and unknown things reported on my credit file. Til this day over 90 days later I have not received a response. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 A plainly states that a failure to investigate these items within 30 days will result in immediately removal of those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you have cause me. In addition to this my information was impacted by the Equifax data breach and may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent XXXX and transunion a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information.

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to XXXX and transunion.