23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  and XXXX  are both in violation of hippa law and a complaint will be filed with the OFFICE FOR CIVIL RIGHTS This is also defamation of character due to XXXX  being a nonaffiliated third party XXXX  stated that they mailed me validation I have yet to receive the so-called validation that this debt collector never had to begin with.
Product: Checking or savings account

Dear Wells Fargo Bank, I am writing to inform you that I am a victim of fraud. I have not deposited any checks into my account in the last 30 days. I was made aware of the fraud when your bank called me to confirm the deposits. 

I understand that under the Fair Credit Billing Act, I have the right to dispute any unauthorized charges or credits made to my account. I am asking that you take immediate action to investigate and reverse any fraudulent charges made to my account. 

I am also requesting that you place a fraud alert on my account to prevent any further fraud. I would also like to be informed of any other measures you can take to ensure that my account is secure. 

I appreciate your prompt attention to this matter.
Product: Mortgage

My loan was sold from XXXX XXXX to PennyMac. When the loan was sold, my escrow account information was inaccurate, leading to me owing over XXXX more per month. The issue took 3 and a half weeks to resolve, and was just resolved after 11 phone calls and a supervisor from XXXXXXXX XXXX calling them and emailing them for weeks. 

On multiple instances, the error in documentation was found ( multiple errors ) from emails that XXXX XXXX sent to Pennymac, and it turns out they had the wrong persons account information under my escrow account. They refused to acknowledge the mistake, no matter how many times we noted the mistake and told them to correct it. They also did not respond to any emails ( 8 automatic replies 3 weeks later ) and never sent me any documentation of any sort about the changes/ decisions that were made. Each time when I called, I received different information about how to respond, who to go to, and timeframe for response. I was also told they would not change the amount owed, even though it was different from my closing disclosure. Eventually, I just needed to be on the phone for two hours and demand they fix it immediately, which led me to a supervisor who was able to correct the error. 

Very, very disappointed in the company, they clearly do not know how to resolve issues, nor have an interest in resolving issues. My advice to anyone is ask for a supervisor immediately and demand that the issue be resolved while on the phone, otherwise follow-up will not occur.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Victim of identity theft the money was used more likely for XXXX XXXX  or to hide a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$17000.00}
Product: Debt collection

Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court
Product: Debt collection

This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX : XXXX, 2022
Product: Student loan

I went to XXXX XXXX about ten years ago little did I know that coming out of school that I would be making extremely high monthly payments. I could not make the payments with the current job I had so I completely stop making all payments. Years later it has affected my credit tremendously most of the loans are charged off or defaulted on which looks bad. At this point I can not get any type loan car home etc. I do not know where to look or how to get these loans off my credit report which has put me in a tight spot. I would like to finally get this resolved once and for all so I can have a secure financial future.
Product: Debt collection

Dear Advantage, I am writing in response to your recent communication regarding an alleged debt under my name, account number [ Account Number ]. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. ( In particular, I 15 U.S. Code 1692g ) request the following : Validation of the Debt : Please provide a detailed statement of the amount owed, including the original balance, any interest, fees, or charges that have been applied. 
a ) Please include the original contract, with the original creditor that has my signature. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that proves that your organization has the legal right to collect on this debt. This includes any agreements or assignments that show how this debt was transferred from the original creditor to your organization. 
Please consider this letter a formal request for verification and documentation of the debt. I expect a response within 30 days from the date of this letter. Until such validation is provided, I request that all collection activities be suspended. Lastly, let all future correspondence made available, be sent to the address listed above. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

XXXX XXXX. : XXXX I have requested for XXXX XXXX XXXX to process a refund " claim ''. All the information has been provided by email from " email address : XXXX '' to " email address : XXXX ''. XXXX XXXX : {$68.00} XXXX XXXX : **** **** **** XXXX XXXX XXXX : XX/XX/21 XXXX : XXXX
Product: Debt collection

I have been in a debt consolidation company for the last year and a half and have been paying this company through the debt consolidation company I have been paying XXXX a month to pay off the balance and only owe XXXX left which they initially agreed upon now they sent me to collections and are trying to make me pay the full balance which I already been paying down only owe XXXX. This does not seem right it seems fraudulent to me please help
Product: Checking or savings account

This is in regards the dispute I have against both XXXX and ally bank. 
I do not own a XXXX account, and fraudulent ACH debits totally {$310000.00} were taken between XX/XX/XXXX to XX/XX/XXXX into a XXXX account with owner name XXXX XXXX, which I do not know nor associate with. 
I received my latest statement in early XX/XX/XXXX, and I contacted ally in regards the unauthorized debits. I was advised I need to contact XXXX in an attempt to resolve the dispute charges, since my routing numbers/account numbers were used. 
I contacted XXXX on XX/XX/XXXX and explained the situation. I was advised since I'm not the account holder, they could not provide further information, but they freeze the brokerage account with fraudulent deposits in question, and will attempt to reverse the transactions. I called back on XX/XX/XXXX and XX/XX/XXXX and I was eventually advised I need to dispute them directly with Ally Bank, since I'm not the account holder, and they will not reverse the fraudulent charges. I went back to Ally Bank and filed a dispute on XX/XX/XXXX, I was asked if I know or associate with someone name XXXX XXXX, I responded no, and I was advised I will be contacted if needed. I received a call from the fraud department on XX/XX/XXXX and and additional call on XX/XX/XXXX, during the phone call, I requested Ally Bank to contact XXXX directly to recover the stolen funds. I further attest I do not own nor benefit from a XXXX account.
Product: Money transfer, virtual currency, or money service

I am filing this complaint because I am the victim of a XXXX scam. I have requested Wells Fargo Bank to reimburse me for my loss, but my request has been repeatedly denied. 
On XX/XX/XXXX, at XXXX XXXX, I received a Free Msg text on my cell phone alerting me that someone was attempting to make XXXX transfers from my checking account at Wells Fargo Bank in the amounts of {$700.00} and {$1000.00}. I didnt open the text but immediately checked my account on the Wells Fargo mobile phone app on my phone and saw an unauthorized {$.00} withdrawal from my account, which I believed meant that her checking account was compromised. I immediately called the Wells Fargo fraud department, but while I was on hold, I received an incoming call from a number identified as Wells Fargo, so I answered. 

The caller identified himself as XXXX, a Wells Fargo Fraud Specialist. He said that {$700.00} and {$1000.00} had been taken from my account and that I needed to immediately initiate a XXXX transfer back to myself to get the money back. I was confused and frantic, and I initiated the transfers as instructed, first in the amount of {$700.00}, another for {$1000.00} and a third in the amount of {$1800.00}, ( XXXX told me that another {$1800.00} had been transferred from her my account while we were talking ). For each transfer, I received a verification code, which I then gave to XXXX. A few minutes later, I received three alerts on my mobile phone from XXXX XXXX  ( with whom I do not maintain any accounts ) confirming that the payments were received from me and sent to account ending in XXXX at XXXX XXXX. 

I reported the fraud to Wells Fargo immediately, but I didnt even get a response until XX/XX/XXXX, and was told that my claim was denied because I had initiated the transfers, Wells Fargo was unable to stop or reverse the funds. I requested copies of the documents from Wells Fargo which I finally got in XX/XX/XXXX. According to XXXX at Wells Fargo, I would most likely get the money back because anyone who asks for the documents usually does. 

According to an article I found on the internet ( copy is attached ), Wells Fargo is responsible for reimbursing me for my loss under the Electronic Funds Transfer Act and a directive from the Consumer Financial Protection Bureau issued in XX/XX/XXXX. I sent this information to Wells Fargo Bank and the bank is still refusing to compensate me. Is there anything that you can do to help me? I contacted XXXXXXXX XXXX, but they told me I needed a subpoena for information. Thank you. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Account opened with XXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX inquiry date XXXX 2. XXXX XXXX XXXX inquiry date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian and XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022 and XXXX XXXX XXXX XXXX, XX/XX/2022. The credit inquiries are fraudulent, unauthorized and not my credit inquiries.
Product: Vehicle loan or lease

I was approved for a loan on XX/XX/20. I uploaded all I come verification documents and all other necessary steps. I had multiple conversations with underwriters in required documents. One was illegible in the upload so I completed it and called to verify. I was the. Told by an underwriter that my home address could not be verified and that their data was showing my old address and they declined the loan. The loan was approved with the new address and my old address listed ( which I also verified ),  as well as my drivers license number, and a paystub and offer letter from my current employer. I verified dates of residence, etc. I was given no opportunity for additional identity verification and was purchasing from their preferred dealer. After approving me, giving the car information, and moving forward ( including making a deposit and travel arrangements to pick it up ) they then rejected the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : XXXX XXXX XXXXXXXX c I reported a dispute to Equifax they came back with Balance increase on XXXX a closed account. XXXX XXXX states I made a payment on XX/XX/XXXX I did not the car was repo with out notice and sold with out notice I did not make that payment Also they are stating XXXX to XX/XX/XXXX a unknown statues on a charge off I believe they sold the debt and no longer own this account I requested that Equifax remove the account for miss information
Product: Credit reporting or other personal consumer reports

I reached out to the company over 3 times asking for the removal of the inquiries from my report but haven't received any notification that they are trying to resolve this matter,
Product: Credit card or prepaid card

XXXX Bank through XXXX  does not offer consumers the ability to put their payments on auto-payment each month. You may only schedule one payment at a time by logging into their site each month to schedule. Despite repeated attempts to get them to add this feature, available by EVERY OTHER CREDIT CARD company in 2019, they will not allow it. I know that XXXX has the ability to do it because my card with XXXX XXXX XXXX allows me to auto-schedule my payments, but XXXX does not. I continually find myself forgetting to go in and schedule the payment, despite my phone reminders, and would appreciate it if they'd try a little harder to help their customers out to ensure that timely payment options are available. Every other bill I pay is paid automatically and it feels like XXXX deliberately doesn't allow this option so that they can rack up fees and late payments. Additionally, often times if I do remember late in the evening to log in and schedule the payment, they cutoff the payment deadline for the day around XXXX or XXXX XXXX so I still end up with a late fee.
Product: Debt collection

I gave them a cease and desist order on XX/XX/XXXX. Then I called to confirm that they received it because I received another piece of mail dated XX/XX/XXXX. On XX/XX/XXXX, I received two more pieces of mail dated XX/XX/XXXX.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with Bull City Financial Solutions company I believe the original creditor XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Student loan

My daughter was attending the XXXX XXXX XXXX but they were closing there doors and only offering online classes to students for them to finish off in order to receive their degrees. We were not informed about the situation when she first started there. They then told us that she could transfer to the XXXX campus seeing as she would have difficulty with the online courses with her XXXX which are documented and were turned in. I informed them that she had doctors appointments and testing that needed to be done for her medications and asked if the following semester would be better. They told me no that it would be fine for her to start that semester it would be no problem at all. As it turns out, they said she missed to much time and kicked her out. they advised us that she could n't come back until she paid for that semester in which was already paid by fasfa and direct plus. We have talked the companies that hold the but nothing has been done so far and they keep wanting us to make payments. She has had to enroll at another college in order to continue her education that works with her XXXX, but her pell and other grants have been reduced due to all of this and XXXX was giving her classes that she was n't prepared for due to requisites not being followed or classes she did n't need. I feel that we should n't be penalized for the time she spent at XXXX.
Product: Debt collection

I called Sunrise Credit Services, I explained that they did not have my updated address or email address. They did not provide debt validation, I was not aware I owed this debt and they reported negative on my credit report. I kindly asked they delete this from my report and they declied to removed. This is for sunrise credit account # XXXX.
Product: Credit card or prepaid card

I have a credit card with Navy Federal Credit Union. I have multiple ( 20+ ) fraudulent charges from a company called XXXX XXXX. I have been trying to get this resolved with my bank since XXXX  but they keep denying my claim. Navy Federal told me it was a money order company overseas. I have contacted XXXX XXXX but I never can get in touch with a person. 

I am not sure what else to do. My father advised me to submit a complaint to you and if that doesnt help seek legal advice. 

Thank you for any help you can provide. 

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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. INQUIRY ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]