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

Wells Fargo allowed multiple charges to my account from a company called XXXX XXXX XXXX for XXXX Texas. Wells Fargo is well aware of the problem because they called me on about XX/XX/10 to ask if these charges were mine, I told them no and they refunded about {$560.00}. When I first looked at the account they were on my account page. I cant say exactly what charges they refunded for because they erased them from my account summary. I have never in 30 ; years have had anything erased from my summary. I believe there were more than one. One was for about {$560.00} and the other ones I believe there were two were smaller amounts. I was unable to check my account at the time of the call but when I did I found there were an additional six charges from the same company ; they were for {$37.00}, {$27.00}, {$160.00}, {$37.00}, {$37.00}, {$33.00}. totaling {$340.00}. I called them to let them know these were not my charges. Instead of refunding my money they cancelled my ATM card and have rejected my purchases. I have over {$3000.00} balance in my account. This is the second time in a few months they retaliated by canceling my ATM card when I disputed a charge. I had called several months ago to ask them to put a stop to an XXXX audio club that I was being repeatedly being charged for even after I cancelled it. I have withdrawn the major part of my money from my account but I just want a complaint filed on Wells Fargo for their unethical practices. I would also like my {$340.00} cents refunded to me so I can close out my acc. and find a more ethical bank that I can trust.
Product: Mortgage

I was recently notified that my real estate taxes are actually much higher than listed on the closing disclosure, which has caused an escrow deficiency. This resulted in too little being charged by the seller at closing and has increased my mortgage payments by over {$300.00} each month. The real estate taxes were not disclosed properly on the closing documents which means I am being charged for a portion of the seller 's real estate taxes and it made all amounts on the closing disclosure inaccurate and much lower than what I am now having to pay.
Product: Debt collection

I am a victim of identity theft. I did not make or approve these transactions reported by Midland Credit Management. I don't know how my information such as, my social security number, address and ID was obtained while I'm in possession of my information. I suspect it was someone close to me obtained my information and used it fraudulently. I have a lot of accounts on my credit, but the transaction reported by Midland Credit Management are unauthorized, and this whole situation is ruining my credit and disrupting my life greatly. Please help me take care of this problem immediately. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$930.00} Unauthorized Inquiries : 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: Debt collection

Thiis debt collection agency called " capital management services '' .. has been calling me about 3-4 times a day for the past several weeks. I did talk talk to them. i explained that I had had Credit card fraud in late 2013, filed a police report, etc. The lady starts screaming at me.. " YOU OWE US THIS MONEY!! " XXXX as if it is her, that I owe money to. she is completely ballistic so, I have to ask for the supervisor. I camly explain to the supervisor what happend.. credit card/ illegal credit activity.. and ask for him to send me what it is that i charged. he was ok with this. i also faxed them a dispute, which I have proof it went thru. the very next day I am getting harrassed again by this company. a woman says " WE HAVE NOT RECEIVED A FAX FROM YOU AND THERE IS NO RECORD HERE THAT you called yesterday XXXX i am a XXXX XXXX year old woman.. I dont need someone to get my XXXX XXXX up and have a XXXX over incompetant employees in a company. 
whatever i say, They refuse. and misinterpret. " OH!! SO DOES THAT MEAN YOURE NOT GOING TO PAY us?? " ... every single day this week they have called. once, at XXXX. i am glad that they record the calls. I have always had good credit, am college educated, and the last call, the woman was creaming and screaming at me for so long..off on a tangent. I had to put my foot down and say. we are going nowhere with this conversation, and hang up on here.. while she was screaming at the top of her lunggs all this vicious hate towards me. whats sad is that the origibal creditor, XXXX.. had told me they would wait til I paid off my XXXX card. but no, they sent it to one collection agency who just sent me a letter, and then this crazy, awful, unheard of.. agency that has inept psychotic people working for them. grr .. help
Product: Debt collection

My information was exposed in the data breach. I am not aware of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The folllowing account is being reported inaccurately ... .... 
Capital One XXXX Balance {$120.00} The Balance on this account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Unfortunately, XXXX has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint 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 : XXXX XXXX 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 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 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 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 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 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, credit repair services, or other personal consumer reports

I have asked Midland Funding numerous amount of times, both in writing, disputes through credit reporting agencies and verbally on the phone to provide proof of debt. They have not sent the requested documents. I have disputed the item multiple times and they continue to send back that it is verified when it is not. They have also sent comment that debt is currently in the care of a lawyer which is untrue. The debt is past the statue of limitations in the state of South Carolina. Credit debt has a span of 2 years, after which the collection agency can no longer sue and can not threaten lawsuit. This company has also broken FCRA regulations when it comes to debt collection and has been sued and found guilty of such. This company has attempted to try and collect this debt from me by threatening to have me served, at the time of the threat they did not inform me that this was a time barred debt they were attempting to collect on. When I asked for verification of debt they claimed they had mailed that to me 30 days prior. I have informed delivery on my mail and would have seen this attempt. I informed the rep on the phone that I did not receive it and will need it mailed it again. She stated that it may have been lost in the mail and that they would not send it again and will have me served. The rep then hung up on me and blocked my number. This company has numerous reviews listing their predatory ways of attempting to collect a debt. The debt they are attempting to collect from me is a XXXX XXXX credit card. I have told them multiple times that I know nothing of owing this company. I have requested that they send me proof that contains my signature where I agreed to a credit card with the ORIGINAL company. I also requested proof of activity on the card showing or adding up to the balance that is being reported. The company has not sent any of those items. This request was made in XXXX of this year and again in XXXX of this year. Both requests have been ignored. I will attach the final judgement and order that was placed on the company in 2020.
Product: Credit reporting

I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.
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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX 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 or other personal consumer reports

Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear Sir/Madam , This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with XXXX, TransUnion, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.CXXXX XXXXi, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action. 

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately. 
Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within XXXX days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.
Product: Bank account or service

I purchased a bedroom set from XXXX which I finaced that same day XXXX also bought and paid for with my debit card in the amount of {$110.00} a second box spring from XXXX. I received my furniture however the boxspring was damaged so the took the one they were going to deliver and brought the other XXXX later. I paid XXXX $ leaving a balance of {$590.00}. I received my second paper statement reflecting an increase in {$100.00}. I called the bank and spoke XXXX XXXX who said she didnt know why but shows was additional purchase made XXXX. I never went back to this store or any furniture store. XXXX said she couldnt help with the details and referred me back to XXXX. I called XXXX and spoke XXXX XXXX people XXXX they also show I finaced {$1500.00} and paid for the other purchase I was also provided physically a second itemized bill they told me to call the bank again which I did and was told I made second purchase XX/XX/XXXX for {$99.00} I asked to speak with a XXXX because I clearly am getting the run around from syncrony so the man said he would dispute this for me if i like, of course I request the dispute and a month passed I have now received another itemized bill and was told I signed it it is my signature. I called XXXX in finance whom will nit return my calls.
Product: Vehicle loan or lease

I sent the company a contract asking them to validate the debt, the actual accounting, Lawful and legal terms and conditions. Equal consideration. Signed invoice pursuant to U.C.C 9-210. To produce substantial evidence that a valid agreement was signed by both parties ( me and them ) bearing a wet signature. Produce substantial evidence that they provided lawful consideration to the transaction, being that the current United States are insolvent as well as their citizenry ; and all commercial banks, credit unions, and corporations, according to a 1992 Congressional Record of the 102nd Congress as given by XXXX XXXX XXXX. Produce substantial evidence that the promissory note was not already discharged due to United States Bankruptcy. Produce substantial evidence to the contrary that the national economic emergency of the Bankruptcy of the United States in XXXX is still ongoing. And the national remedy for discharge and acquittance was already established pursuant to 12 USC 95 and 50 USC 4305 ( b ) ( 2 ). To provide evidence to the contrary that The United States Congress did not declare the BIBLE as the WORD OF XXXX IN XXXX and in XXXX Declared that the year the Year Of The XXXX. To provide evidence that in XXXX XXXX XXXX forbids, unscrupulous lending practices and unequal weights and measures. Provide evidence of their institutions exemption status of Article 3 of The Uniform Commercial Code, covering commercial paper such as drafts, promissory notes, checks, are not acceptable as a means to satisfy and or discharge financial obligations. Provide evidence negotiable instruments are not used as cash. Negotiable instruments are not used for purposes of payments for goods and services.
Product: Checking or savings account

The company did not honor a promotional offer. 

I am owed a {$100.00} bonus for transferring in {$10000.00} into an account and holding that balance for 90 days.
Product: Prepaid card

Hello, I have been attempting to use my American Express prepaid gift card which I received from my employer. The card is activated and shows the appropriate funds, but I am unable to use the card with any merchant online or in store. The card keeps being declined and when calling Amex customer service, they saying my only option is to use the card with another merchant. However, I have tried multiple merchants, website, stores and the card is not able to be processed at any of them. The customer service agents are claiming they are not seeing anything on their end, but they have acknowledged they see all the declined transactions on the card statements.
Product: Credit reporting or other personal consumer reports

company name Equifax!! failed to couduct adequate investigation of disputed information in credit report I've sent letter and had company for these matters some account has been on my credit report for 5 to 7 years.. help me please ss # XXXX address XXXX XXXX XXXX XXXX sc XXXX dealing withXX/XX/XXXX and equifax my credit will never be good with mistake like this..reporting errors and not investigating..
Product: Mortgage

I have XXXX issues I would like researched and resolved. 

XXXX. I don't believe I was disclosed to according to the current laws. I never got an Loan Estimate until months after starting the process with Lake Michigan Credit Union and the property taxes they estimated have ended up being far less than the actual, putting me in a touch position financially. 

XXXX. I don't believe the appraisal was accurate. I never got a list of Appraisers they use and this guy came to me through the Realtor. In order to get the deal to close with the cash I had available, I believe the appraiser colluded with the Builder and Realtor on the value. My house was over appraised by {$100000.00} or more.
Product: Mortgage

NewRez failed to apply my payment to my account even though the check show as processed. 
XX/XX/2024 - check cleared / Newrez Processed on XX/XX/2024 Check Number XXXX XX/XX/2024 - Check cleared / NewRez Processed on XX/XX/2024 Check Number XXXX
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. I received a collection on my credit report on both XXXX and XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX ( Comenity Capital Bank ) for {$610.00}, allegedly from XX/XX/XXXX. I am unaware of this account and do not understand as to why it took 3 years to come about and ruin my credit.
Product: Credit reporting or other personal consumer reports

Dear Consumer, Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against you. Equifax concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. On 09/10/2024, I initiated a dispute regarding incorrect information related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing supporting documentation that substantiated my claim, they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. In considering this situation, I would like to highlight the legal principle of estoppel. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Equifax may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. Despite my attempts to resolve this issue directly with Equifax through email and certified mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that XXXX is held accountable for its obligations under the relevant statutes. Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is now requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete representing a grave error in your report.

allowing letter
Product: Checking or savings account

I requested a transfer from my Ally Bank IRA Savings account to my XXXX XXXX XXXX XXXX account on XX/XX/2023. I was contacted by XXXX XXXX on XX/XX/2023 and was told that I needed to contact Ally Bank due to some problem they did not identify specifically. On XX/XX/2023 I called Ally Bank and was told there was a " coding error '' and that the check to XXXX would be sent within " two to three days ''. It is now eleven days later and the check still has not been sent. I called Ally again today ( XX/XX/2023 ) to see what I could learn. I was told " nothing has happened '' regarding the check being issued.