23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received 2 calls from scammers saying they were from Wells Fargo. When the rep 1st called they were saying they see charges in Florida ending in my card number ( which were the correct numbers on my card ) and that it was connected to my XXXX XXXX which is true and that my account is being flagged.So I immediately got nervous and upset because just a week before this incident I had to get a new card due to and unexpected {$700.00} charge on my account and that claim still in process and thats what made me believe the guy when he was saying I was getting flagged. After I got upset and crying the rep/ guy said I have to get my supervisor on the line since youre upset and not cooperating with me. I then disconnected. Next I get a call from a XXXX number saying they are XXXX calling from Wells Fargo and provided a ID number. So my XXXX yr old son was like mom calm down this the supervisor because I had the callers on speaker phone. So as the scammer/supervisor was real calm and understanding why I was frustrated and said yes I see the charge on your account for {$700.00} so we will need to get your money transferred out that account and we will have to send you a new card. I started saying how Im supposed to to transfer all my money out. my federal tax return was still pending in my account. So the guy said look at your online account you will see some transactions from Florida. As I tried to access my online account my XXXX  ID wasnt working because I was already on the phone so I had to manually enter my password. I never gave anyone my username but did say my password because I was so upset I kept mis typing my password. The guy which was the supervisor was saying no worries I can help you with that and then we can start the transfer process then freeze this card. I was unable to make any transactions it wouldnt go through and I was saying I never transferred or took out that kind of money which was {$8000.00}. Somehow one way another the guy got it to go through and said I will see the credit on my XXXX XXXX where my visa was. Which I did see it. But when I went to delete the card that was suppose to be flagged I was told I can keep in my XXXX  XXXX  until I receive my new card. After a while the guy put me on hold for about 3 minutes and said my card was deleted and youre good to go. Once I went back to check my XXXX XXXX my bank card was deleted and the funds. Im so devastated someone will take the time out to do this. This had me sick for 3 days and Im a single mom raising XXXX kids alone. I been with Wells Fargo for XXXX yrs and they know I will never authorize no transactions or do anything like that. I only work a XXXX and the only income I have. My bank keep giving me the run around, Ive contacted XXXX, FTC and filed multiple complaints with the bank. I also provided 2 contact numbers for the scammers. They denied my claim quick for the {$8000.00} I was scammed but they credited me my {$700.00} the was unauthorized charged to my account. Im scared and devastated and do not feel secured anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit card

Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam I am writing to file a formal complaint against the XXXX major credit reporting agencies ( CRAs ). For their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized accounts on my credit reports from all three reporting agencies. Specifically the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Upon realizing this, I contacted the XXXX and provided them with necessary documentation to prove that these accounts were a result of identity theft, including a police report and FTC Identity Theft Affidavit. XXXX. Failure to XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) Under the FCRA, XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to block the reporting of information that resulted from identity theft within XXXX business days of receipt of appropriate documentation, the CRAs have failed to block the fraudulent information on my credit reports. XXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C s 1681i ( a ) : The FCRA mandates that CRAs conduct a reasonable investigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without proper investigation, in violation of 15 U.S.C s 1681i ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The LVNV FUNDING company failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Dear CFPB- I believe American Express is involved in an alleged World-Wide Consumer Fraud ... 

I have been a card member of American Express Optima Platinum since XXXX and have a perfect credit score. On XX/XX/XXXX I was late by ONE DAY and charged {$27.00}. While I am not disputing the late fee, I am disputing the interest rate on future charges ( purchase ). All charges ( purchases ) after XX/XX/XXXX were billed at 29.99 %. Under the American Express Terms & Conditions, no reference is made for this increase on future charges ( purchases ), as indicated below : " Late Fees on Credit Cards and Charge Cards : If you do not pay your minimum payment by the due date, you will be charged a late payment fee of {$27.00}. If you make another late payment in the following six billing periods, your late payment fee will be {$38.00}. Your late fee will not exceed your minimum payment due. For example, if the minimum payment due on your statement is {$20.00}, your late payment fee will not be more than {$20.00}. You may also have to pay interest on any funds which remain unpaid from the previous billing period and your interest rate may increase. '' Furthermore, American Express claims that all payments are first credited to the higher interest charges. This is a false statement and represents Fraud! 

From " XX/XX/XXXX to Present '' I had {$5700.00} charges ( purchases ) and made {$9800.00} in payments. Yet, American Express continued to charge me the 29.99 % on these charges ( purchase ) even though my payments exceeded the charges ( purchases ) ...

This is an unfair, deceptive and misleading business practice that need to be investigated! 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible. Accounts in question would be XXXXXXXX XXXX  XXXX XXXX dates XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates XXXX, XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$1900.00} & XXXX XXXX Bankruptcy XXXX XXXX
Product: Mortgage

My name is XXXX XXXX residing in the above mentioned address with my wife and XXXX children. I write to complain the treatment that my mortgage company is giving me. I have my mortgage with Chase home finance and my account number is XXXX. The phone number is XXXX. Last year I had XXXX and I was in and out of the hospital for more than six months without working. At the same time I lost my younger brother who was helping financially. Also I have XXXX of my children in college, XXXX in high school and the last XXXX in elementary school. My wife works XXXX day in a week XXXX. I requested for mortgage assistance and they denied me modification instead, they offered me a plan that was higher than my monthly payment, but I did not take it because I could n't afford it. Since this year I have lost XXXX of my sisters and my wife is still working XXXX day a week as XXXX I applied for another assistant again and they denied me without a specific reason. They transferred my mortgage to another Chase branch that wrote me and told me that I would not participate in any Chase Assistant Program. I really want to keep my house with my family, if they can offer me a reasonable modification because of my hardship at this present time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were about 5 hard credit inquiries that I didnt apply for on my credit report. Also a social security number that wasnt mines on my report. A couple of the inquiries occurred on XX/XX/XXXX. Some were on XX/XX/XXXX. There was a soft or hard pull on XX/XX/XXXX. I contact those companies and they looked into it and no open credit lines and I contact the credit bureau to dispute the fraudulent activity and added a freeze on my credit line.
Product: Debt collection

I cancelled my subscription to the XXXX XXXX, but did not cancel my automatic subscription payment to the XXXX XXXX, in XXXX of 2022. The newspapers stopped getting delivered, no further charges were made to my XXXX XXXX account which I used to pay my XXXX  subscription, and I received no further communications from the XXXX XXXX so I paid no further attention to the matter. 
On XX/XX/XXXX I received the attached letter from A.R.M. Solutions. I initially thought that it was a scam because I had not been contacted by the XXXX XXXX since I cancelled my subscription. I have never before encountered a billing process that began with sending bills to a collection agency without first contacting the customer directly. It was further puzzling that they had not simply extracted the funds from my XXXX account : I had never shut off the " autopay '' and all they needed to do was to request payment directly from XXXX XXXX, as was done for years. 
I suspect that the change in management since the XXXX XXXX was sold has led to some confusion in their office. Although I did cancel my subscription, and I have received no newspapers in the intervening period, they told me via telephone that all they know was that I had instructed them to no longer charge my XXXX XXXX account for the subscription, which seems rather odd to me, as nothing of the sort was ever discussed. 
I have instructed the XXXX XXXX to charge my XXXX XXXX card for the balance they say I owe, and XXXX informs me that the payment is pending, A.R.M. Solutions insists that I must still pay them, in addition to what I have paid XXXX XXXX. I believe that I should pay neither, although I have already paid the XXXX XXXX for services not rendered. Paying A.R.M. Solutions redundantly would only add insult to injury.
Product: Checking or savings account

Im a recent XXXX XXXX and applied to a job through XXXX XXXX and was given the job and instructions which looked very real and through school. The first step was to deposit a check which i then did. After finding out shortly after it was a scam i did everything in my power to get the money out of my account/ returned or bounced. However the money just stayed i havent spent any but they closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom this may concern. I'm making this complaint on behalf of my self. 
I extended my credit to CAPITAL ONE AUTO FINANCE which CAPITAL ONE AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer report and noticed there is a discrepancy on the report that need to be corrected. 

Please be advised that per 15 USC 1681b, the information that you are furnishing is to be in accordance with the written instructions of the consumer to whom it relates. Enclosed are my identification documents showing that this report is concerning myself and below are my written instructions. 

On my consumer report, XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 

On my consumer report, XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 

On my consumer report, XXXX XXXX XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 


DO NOT DELETE ANY OTHER INQUIRIES!!!!!
Product: Checking or savings account

Suntrust had decided to close my account with no reasons what so ever and is holding my money while investigating that is all the money I have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian received my dispute letter but never responded. I sent a notarized letter through certified mail along with a copy of my drivers license and utility bill. I sent another certified letter along with supporting documents. Experian received the second letter XX/XX/XXXX but, again, never responded to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was on the 16th day past due ( was making my payment that day ) and they called my daughter, who has not been listed as a contact, and left a message stating that they were a lawyer. No one as the location is a lawyer. They already know that it is impossible for me to contact them during work hours.
Product: Mortgage

In early XXXX I wrote the bank and asked them about having the PMI removed from my loan. I received the letter from them dated XXXX/XXXX/XXXX stating that 2 conditions had to be met to remove the PMI from the loan. 
1. At least 5 years have elapsed from the date your loan closed ; and 2. Your loan to value ratio ( " LTV '' ) ratio is 78 % or less. 

The letter denied the removal and stated that I would reach condition XXXX by XXXX XXXX.
Product: Vehicle loan or lease

A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for two years and Experian refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to Experian via certified mail. I can only assume that I will get the same response I have for the past to two years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX Experian.
Product: Mortgage

NewRez LLC wilfully breached its contract with us and violated federal and NY state law when it wilfully and intentionally failed to fund the loan herein. There is no condition in either the commitment letter or the conditional approval notice or law or regulation which allows them to fail to fund the loan herein.The three day right of recission under federal law is there for the borrower only. 

Once the closing occurred on XX/XX/2020, the funds for the loan were required to have been segregated so that the same would be immediately available on XX/XX/2020. Instead, late on XX/XX/2020 New Rez e-mailed the mortgage broker and told them they were not funding the loan. If the loan herein were for the purchase of the property it would have funded on the closing date. I attach the closing disclosure and commitment and approval notice. 

We called them e mailed them wrote them and had an attorney write them all to no avail. 

We want them to immediately fund the loan and pay of any all costs incurred by my clients as a result of their actions herein. 

They closed the loan and failed to fund and costs me a ton of money and ability to refinance