23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX  does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX  ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Credit card

I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help
Product: Debt collection

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDENCE RESOURCE MANAGEMENT , LLC for committing identity theft. I have never given CREDENCE RESOURCE MANAGEMENT , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

I applied for a loan, I was told that I would get a 7.5 % interest refinance loan after all me person information was submitted at the last min. I was told that they could only do a 11.5 % interest Loan, The appraisal price was inflated, Loan to income ratio was ignored. I was told to discontinue my current loan payments because it would throw off the numbersand Other predatory practices
Product: Credit reporting or other personal consumer reports

I have disputed this XXXX account several times with the three major credit bureaus and each time they change/update something random on my payment history. This has happened several times and the account has been closed for years meaning the payment history has not changed, but they " update '' it in order to look like they have investigated my dispute, when I'm fact they have not. Each time I dispute it, they change the payment history to make it appear as if they are reinvestigating when I am sure they are not. They have ignored my mail in disputes. When I mailed in disputes, they failed to respond, and it has been over 365 days. When I do an online dispute, they pretend to update. All of my efforts have been ignored or not appropriately investigated. The bureaus have ignored their burden of proof and left this account on my credit report for long enough. I need this account deleted.
Product: Credit card

Hello, Today ( XX/XX/2023 ) at XXXX XXXX XXXXXXXX I got an email from Wells fargo saying that I had redeemed by rewards, I have copied the email and pasted the words : Dear MYNAME : A new redemption has been processed with your Wells Fargo Rewards account. 

ITEM REDEEMED ( XXXX ) XXXX XXXX CASH REWARDS APPLIED {$860.00} TOTAL ITEM REDEEMED ( XXXX ) ORDER TOTAL Rewards Redeemed : {$860.00} SHIP TO XXXX XXXX XXXX SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I did not make any rememptions. I called WellsFargo and I was told that the redemption is another department and not available at this time, to call back in the morning.
Product: Credit card or prepaid card

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Chase Freedom XXXX to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$700.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ,  FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX , XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing incorrect information on my credit report, such as my name Date of Birth Address Place of employment etc. 
I have highlighted the information in red that are incorrect.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XX/XX/XXXX : Account Number : XXXX Account Name :XX/XX/XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXX/XX/XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XX/XX/XXXX15 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 card or prepaid card

The options provided did NOT pertain to my situation. So I selected the closest one option! 

So I have several Blue Bird American Express Prepaid cards that I use individually for different expenses. 

So my one card had {$380.00}. On XX/XX/2022 I used it to purchase on XXXX for the amount of {$34.00}. The order went through with no issues. So fast forward I go to make a purchase at XXXX and my card is declined. 

Before I explain further XXXX XXXX XXXX  so my phone has XXXX XXXX XXXX  that comes up in calls so I read what is being said! 

So I call BlueBird at the number listed on the back of card. I enter card number and it tells me my account is permanently suspended. I speak with a representative who then transferred me to a male representative. He hung up on me. So I call back and get a different representative I explain to her and she puts me on hold for 10 minutes. She comes back and says my card has been permanently suspended due to fraud. So I then ask her what about my balance on my card and others. She just hangs up on me. 

So in the meantime there is approx XXXX XXXX in limbo and I cant get an answer Apparently all my other BlueBird Cards have also been permanently suspended and I cant log in to those accounts either.
Product: Debt collection

Item showing I owe a balance of {$23000.00} I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX XXXX Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
Product: Debt collection

The debt collection company, Commonwealth Financial Systems,  has managed to dupe XXXX  and XXXX  into posting a very old collection amount ( opened XXXX, XXXX -- {$1000.00} ) as if it was just opened. For the last 3 years ive lived in XXXX  and they are NOW showing the account as " opened in XXXX of XXXX ''. This account was started in XXXX. I would have had to have been in XXXX for such an account to be valid. It's already bad enough that consumers have to be treated as deliquent on debts that, if paid by an insurance company or medicaid, would have been discharged at 5 or 10 percent of the actual bill. Think of the money we lose while trying to build credit, because we are stuck with the option of credit cards and loans with huge percentage rates directly related to open accounts of little or no substanence. There is also a second similar account of {$340.00}, for which they did the exact same thing.
Product: Debt collection

Multiple calls texts like the folllowing copied : Resurgent Debt Collector : XXXX, visit our Portal at XXXX to see if you qualify for exclusive discounts. Reply STOP to Op Stop does nothing. Uses different names. I have no debt to be collected via XXXX report. Never knows my real name either. 

Numbers : XXXX ( text ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Wells Fargo continues to re-order transactions and delay deposits on my checking account. I reported them to you months ago with no meaningful action taken. Due to these corrupt banking practices to increase revenue for Wells Fargo through late fees, I go negative or I can not maintain a minimum balance in that account. Now, Wells Fargo is taking that information to try and reflect that I am financially irresponsible and applications for credit have been denied based on this slanted information. My non-traditional credit score is also determined by my bank account history. Not only have they made hundreds, if not thousands off of late fees due to re-ordering transactions and delaying deposits but now, they are ruining any chance I have at building credit or obtaining a loan. At what point is a banking institution truly held accountable? Never? How many fines has Wells Fargo paid for this very practice in different states? The answer is XXXX. Yes, I can leave the bank but the damage their practices have caused will follow me. I am revolted by the sheer lack of inaction and carelessness. Wells Fargo is preying on those most financially vulnerable in our society and nothing seems to stop them. I 'll leave you with a final thought, at what point, do the American people lose all faith in banking institutions because the corrupt are rewarded again and again for their corruption?
Product: Mortgage

I initiated a short sale on XX/XX/2018, but was denied to process the short sale, which is an opportunity to avoid foreclosure that all banks give to homeowners. Foreclosures bring down the outlook of a city and state. I want Mr. Cooper Mortgage to cooperate with the short sale agent to complete the short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Product: Credit card or prepaid card

Someone opened a credit card account in my name at Chime around XX/XX/. I called to have to closed XX/XX/XXXX when I got suspicious email. I wanted more details about who created the account so I could create a police report both in my area and the area of the suspected account creator. Chime said I needed to create an identify theft report and submit that first. I created and submitted on XX/XX/XXXX. They did not follow up for 12 days. I received the debt card in the mail on XX/XX/XXXX even after the account was closed... maybe. I called again they said it was closed but they could not give me the address details. I asked for a case # they advised the information was my lastname+last 4 of social security number. This seems like a bad policy for PII exposure. Regardless I want to complain on their practices of not telling me how someone opened an account in my name and not releasing details for me to create a good police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to Wells Fargo Account # XXXX On XX/XX/23, I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX  for the cancelled debt of {$3700.00} in order to file as ordinary income. Where is my 1099-C Wells Fargo is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I've tried many times to resolve this issue over the phone, instead I've been left on hold for a long period of time.Due to my busy schedule, it was very difficult to get this matter resolved. Ive sent many letters to the Credit Bureaus and nothings was done about it.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity. 

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used. 

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity. 

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report. 

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.
Product: Credit card

I had XXXX chase credit cards that I paid on time for years and then I had a XXXX incident that caused me to lose my income for 21 months and then only received a fraction of my pay from an insurance policy due to my XXXX leaving me totally XXXX. I was unable to pay chase per our agreement and the account became charged off. I received a letter and a XXXX from chase in 2014 saying my account was written off and I paid taxes on the amount owed per the XXXX. Chase also reduced its tax liability by counting my account as a bad debt and saved paying Corp income tax on the amount I owed them. My problem is that chase still reports every month to all XXXX credit angencys that I owe them money that is not true and my credit score is being reduced by XXXX XXXX points due to this vindictive policy. I am unable to buy a house, send my daughter to college or buy a car due to this reporting of a settled debt as not settled and currently late which is not true. I called chase offering to give them money if they would correct there error and they refused my offer and said even if I paid that they would not reverse the XXXX. I believe that would be a violation of tax law. Any help you can provide would be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX # XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.
Product: Checking or savings account

I notice that my account sometimes had been hacked and also notice that money gets taking out and I don't know why.
Product: Debt collection

Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OR LETTER