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

I have on numerous occasions requested the information used in the decision for the claims they approved. I either get no response or told that their is no information for the approval. I'm seeking this information to compare to why they approved 3 of my complaints but yet deny all the rest based only on them saying that they found that the charges were authorized. The only proof they send me is a generic email showing the card was captured. I have provided proof in the form of multiple police reports and an affidavit proving my identity. My card and telephone were stolen from my vehicle after an accident. The charges were made in a completely different state and I was XXXX during the time frame these transactions were made. I would like to know what criteria was used in deciding that some of the claims were approved with the others being denied. They all happened in the same time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA located at XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX showed we had a balance of {$270.00} and they wrote off {$540.00}. This occurred around XX/XX/XXXXand at that time, B of A submitted our statement to an email account that was no longer valid, therefore they should have received an error message that the message could not be sent. However, they continued to send the statement via email for months. Finally, they sent the collection letter to our home. I promptly contacted the Bank of America and informed them that the email address was not valid and they should have been sending us a statement to our home. At that time, I advised I would pay the outstanding balance that we charged on the card, however we would not pay for the late fees that had amounted over the months. They refused to waive the late fees. I asked for documentation at that time and proved to them based upon the information they provided that we did NOT receive the statements however again they refused to waive the late fees. At that time, I paid the balance owed except for the late fees which now appeared to have continued to accrue until they wrote off the balance. The written off balance was NOT charges that we made but ONLY their late fees incurred as a result of them emailing the invoice to an invalid email account. I would appreciate your looking into this. Thank you Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions
Product: Debt collection

I never had and XXXX credit card, and i never got requested information from the company. I asked for original information, payments made, date and signature. This is not my debt.
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  Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of eXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Mortgage

I inherited 25 % of this home from my uncle and own it with my XXXX XXXX XXXX mom and sister. Apparently my uncle and his significant other put a mortgage on the property in XXXX and stopped making payments when he died in XXXX. My mom nor my sister or me signed a note so we do not owe the bank anything. Wells Fargo never contacted my mom or us about the mortgage or the default and started foreclosure. We paid my uncles share of the mortgage in full and paid an attorney to work with the bank and they delayed the foreclosure but did not release the lien. The bank refused to work with me and my sister or the attorney we hired and will not send us information on the mortgage or what is owed. We want to get this lien removed but the bank will not talk to us.
Product: Credit card or prepaid card

I had XXXX points ; when I checked my account earlier, I only had XXXX points. I was told that my account had expired. I told them I did not cancel my account, and it remained open even though I hadn't used the card. I was told that I was supposed to receive a letter from them reminding me that my points were expiring. This is so misleading and unfair!! I spent a lot of money to earn the rewards and even paid off my credit card balance XXXX years ago.
Product: Debt collection

Credit collection services is in Violation of my privacy. 
pursuant to 15 usc 1692e ( 11 ) I never received any notification or certified mailed documentation from Credit collection services about the alleged debt they are trying to collect on. This is the third time this corporation has tried to collect an alleged debt from me. The previous 2 were in fact deleted. A deletion is basically admitting your at fault.

cCedit collection services are in violation of 15 usc 1681 due to obtaining my non-public personal information.

Due to receiving text messages I did not opt into Credit collections services is in violation of 15 usc 1692 ( d ) ( 5 ) This company has defamed my character I have not been able to obtain anything I extend my credit to due to this corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info
Product: Credit card or prepaid card

On XX/XX/XXXX, To my knowledge the bill to Walmart Pay, which was managed by XXXX XXXX, was payed in the full amount of just about {$350.00}. According to the lady of capital one, which is the bank managing those accounts now, they didn't receive the payment and were not notified of non-payment till XXXX. I did not know about this till XX/XX/XXXX when I was going to apply for a loan on a travel trailer.. As soon as my bank notified me, I called XXXX XXXX  to fix this problem and payed {$450.00} dollars and closed my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : Payment received from student loan company then returned apparently from bank which bank has zero record of, called them and verified that they did not return anything. 
XX/XX/XXXX : Same as above, interest is accumulating when I have appropriately made my payment. There system is terrible and they not contacted me despite me reaching out! 

XX/XX/XXXX : called XXXXXXXX XXXX  and they have no record of ed financial even attempting to withdraw a payment so the student loan servicer is lying and making my credit score go down and interest accumulate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 146 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 146 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.
Product: Mortgage

I hate WELLS FARGO with a passion. My husband and I were approved for our Loan, .... All throughout this ordeal I 'm pregnant with our daughter ... 
***during this time I was under a lot of stress, in the beginning I was XXXX, and by the end, I had developed XXXX, which is XXXX XXXX XXXX, during the last trimester of your pregnancy*** ... 
- Anyways, we were set to close on XXXX XXXX, 2015, we moved into our new mobile home on XXXX XXXX, a few days before closing ... .may XXXX came, we did n't close, the underwriter that had our loan was still requesting information.. 
, got a XXXX closing date of XXXX XXXX, then XXXX XXXX ... we did n't close on neither days. By this time im out on maternity leave and on XXXX XXXX, we welcomed our baby girl XXXX into this world. Months pass, I never heard from anyone regarding the loan/loan process .... 
somehow the UW that was working on our loan mysteriously got fired, a new UW picked up our loan ... He started requesting the same information our previous UW had asked for ... Submitted everything ( paperwork legal docs etc ) once again ... 
Over the next few months I NEVER heard a word from our mortgage lender nor loan processor. 
XXXX XXXX, I received an email that stated ... '' You guys should 've gotten an Denial letter in the mail '' ... I asked, a denial letter for what, ... .she said your landlord said you guys were behind on rent and that KILLED THE LOAN ... * our previous landlord said we had gotten behind 3-4 months rents, which is a total crock of XXXX ... We were just ready to leave that dump. * So I emailed her back and asked, why did n't they contact us, we could 've provided the receipts ... So basically we got denied because of a " SIMPLE LIE ''!!! 
He lied, and WELLS FARGO, SCREWED US!!! 
I 'm out luck, out of money, and now after being in our home for the last past 8 months, WE ARE OUT OF A HOME!!! 
I 'm at a total and utter lost for words.. How in the XXXX did all this happen. Now all of a sudden no ones knows nothing.. 
My question is if we were days away from closing, then why did n't they just pick up, were the old UW left off??? And close on the set date of XXXX XXXX, 2015 ... What happened to the old UW, why was she fired??? 
The loan processors voicemail states, that he no longer is affiliated with that department, where is he now???? 
If we were APPROVED then why get DENIED at the last minute??? 
Why did n't they ask for documentation regarding my rent??? 
They screwed us over, so at least you guys, can give us some answers!!!! 
I mean that 's the least they can do, I mean my credit score was pretty decent, now I ca n't even buy attention. 
XXXX XXXX XXXX
Product: Credit card

I contacted Ally Bank and told them that I was laid off and asked if they had any payment assistance programs and was told I needed to go into default to get help. I contacted them on XX/XX/XXXX to get help. I also contacted XXXXXXXX XXXX XXXX issued by XXXXXXXX XXXX XXXX XXXXXXXX for help on XX/XX/year> and they also told me that they have no payment assistance programs for those who are unemployed. So my question is why don't these financial institutions have any help for their customers? They rip people off with 35 % interest and they don't even seem to care about people anymore.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding their continued reporting of an account that is beyond the statute of limitations for collection and legal action. Below are the details of the account in question : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$27000.00} Account Status : Closed Charged off as bad debt According to my records and applicable state laws, the statute of limitations for collecting this debt has expired. Despite this, XXXX XXXX XXXX continues to report this account as derogatory, which may negatively impact my creditworthiness and financial opportunities. This action may constitute an unfair or deceptive practice in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure compliance with federal and state consumer protection laws. Additionally, I ask that XXXX XXXX XXXX immediately cease reporting this account and remove any derogatory remarks associated with it. 

I have attached copies of my credit report for your review. 

In Illinois, the statute of limitations for debt collection depends on the type of debt : Written Contracts including auto loans is : 5 years ( XXXX XXXX XXXXXXXX ) Oral Contracts : 5 years ( XXXXXXXX XXXX XXXXXXXX ) Since auto loans are typically considered written contracts, the statute of limitations would generally be 5 years from the date of last payment. 

However, if the debt was charged off and no further payments were made after XX/XX/XXXX, the creditor should remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my  personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Checking or savings account

Today XXXX, Wells Fargo abruptly closed all of my accounts both Business ( 2 checking ) and Personal ( 1 checking and 2 savings ) account without proper or legal notice. I called their office after received several missed calls and they stated that they made a decision to close all of the accounts and terminate the 12 year relationship because of a specific fraud claim regarding a wire in the amount of {$340000.00} credited to my corporate business account ending in XXXX which was received on XXXX. I asked why the person who sent the wire was claiming fraud and Wells Fargo simply stated that they already made a decision to close the accounts even though I adamantly contested the claim and informed them that it was NOT Fraud and could not be since the person who wired had to have known very well where and to which account the wire was sent. I requested the contact information for the person who filed the fraud claim and they denied me. I then asked them what proof the person provided to support Fraud and they denied me information again. So the question I asked Wells Fargo was " why would you believe this person who isn't Wells Fargo customer and who obviously wired funds knowingly and willingly '' they replied by stating that they reserve the right to close any account at any time to protect their reputation regardless if the claim was true or not. I then asked why were they victimizing and penalizing me if they or the person who wired had not proven the claim. They simply refused to answer. I also stated how can anyone simply call a bank and file a claim to return money they knowingly wired simply because they feel like doing so. at best, Wells Fargo should have referred the person to file a civil claim for a court to determine any wrongdoing or entitlements. I also informed them that the money received was money owed for a unfilled order paid for in XXXX of 2018 but they once again sided with the Claimant only. Why does the Claimant have more leverage and credibility than me when he was the one who knowingly wired the funds? If he claimed not receiving goods or services as they said he did then he should have submitted the invoice or purchase order to prove it. The bottomline is that this person has wrongfully filed a claim of Fraud and Wells Fargo has caused my alot of damages.Now I have been locked out of my money and accounts and Wells Fargo can not and has not proven the Claimant to be right or legally entitled to this action. I believe Wells Fargo discriminated and denied my legal rights by wrongly closing my accounts and locking my out of the funds I have a legal right to. Please help me ASAP
Product: Credit reporting or other personal consumer reports

Equifax , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Fraud, Privacy Violations, and Non-Compliance To Whom It May Concern, I am writing to formally address serious concerns regarding Equifaxs handling of my personal information, violations of privacy, and apparent failure to comply with federal and state data protection laws. As a consumer whose data you collect, store, and process, I am deeply concerned about the security, accuracy, and integrity of my personal information. 

Details of the Issue Fraudulent Activity : I have recently discovered unauthorized activity that appears linked to a breach of my personal data. I believe this issue may stem from Equifaxs inability to adequately protect sensitive consumer information, as evidenced by the XXXX  data breach and any subsequent vulnerabilities. 

Privacy Violations : Equifax has a legal and ethical obligation to safeguard my personal data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Your failure to implement robust data protection measures has resulted in an erosion of trust and a direct violation of my privacy rights. 

Non-Compliance with XXXX XXXX Standards : Federal and state regulations require timely notification of breaches, accuracy of credit reports, and adherence to security best practices. Based on my experience, Equifax has not fulfilled these obligations, resulting in harm to consumers like me. 

Request for XXXX To address this matter, I respectfully request that Equifax : XXXX a thorough investigation into the fraudulent activity associated with my information and provide me with a detailed report of your findings. 

Correct any inaccuracies in my credit report resulting from the unauthorized activity. 

Implement stronger safeguards to ensure the confidentiality, integrity, and availability of consumer data. 

Provide me with a formal response within XXXX  days detailing the actions taken to resolve my concerns. 

Offer free credit monitoring and identity theft protection services for a minimum of XXXX years to mitigate the potential long-term effects of this issue. 

Legal Obligations Equifaxs actionsor lack thereofmay constitute violations of the following : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Ensures the accuracy, fairness, and privacy of consumer information. 

State Data Protection Laws : Including but not limited to breach notification statutes. 

Failure to address my concerns promptly may result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) or initiating legal action to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Please direct your response to the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, By : XXXX XXXX XXXX, XXXX, without prejudice