23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with Cavalry Port on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue.

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the Cavalry Port account.

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account.

Original Open Date : Specify the precise date when the Cavalry Port account was initially established.

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the Cavalry Port account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so.

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation
Product: Mortgage

Under FOIA I respectfully demand Wells Fargo produce FHA loan modification denial letter. I am in contact with FHA. It was more monetarily beneficial for Wells Fargo to approve a short sale instead of what I and my family was entitled. The U.S. Government gave Wells Fargo bail out HAMP money to keep homeowners in their home. Instead Wells Fargo used HAMP money to enriched itself, its shareholders and Wells Fargo 's employees who worked against Wells clients in order to get compensatory bonus for each loan modification it denied and for every short sale it approved. I have always insisted upon LOAN MODIFICATION since 2012. Under FOIA - produce FHA denial letter. According to truth challenged XXXX XXXX, " Wells Fargo will have a mediation - so you need to wait until Wells Fargo contact you. '' Hence, I do not want any further phone communication on a recorded line from any Wells Fargo employee because they speak alternative truth.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Removal of Fraudulent Charge-Off Accounts from Experian Credit Report Dear Sir/Madam, I am writing to file a formal complaint and request the immediate removal of fraudulent charge-off accounts from my Experian credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ) and Experian 's policies, these fraudulent entries must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent accounts are as follows : XXXX. XXXX XXXX Number : XXXX - Balance : {$5900.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$5000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX Number : XXXX - Balance : {$1300.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$1000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Number : XXXX - Balance : {$16000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$15000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX XXXX XXXX Number : XXXX - Balance : {$21000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$20000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card This information is the result of identity theft and does not accurately reflect my credit history. I have also taken steps to have these accounts suppressed by XXXX XXXX XXXX, where they were deemed unverifiable. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ), as well as the documentation from XXXX, for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Experian, these fraudulent charge-off accounts continue to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the CFPB to intervene and ensure that Experian promptly investigates these disputed accounts and removes them from my credit report. I have attached copies of my identity theft report filed with the Federal Trade Commission ( FTC ), police reports, and any other relevant documentation to substantiate my claim. 

I trust that the CFPB will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaints to EXPERIAN for some reason they keep sending me fraudelent dispute letters back. Guess this leaves me with no other option but to file complaints .... 

XXXX XXXX XXXX XXXX XXXX, #! XXXX. # XXXX, # XXXX, # XXXX, # XXXX, XXXX FIRST AND FOREMOST BEFORE YOU " VERIFY '' THIS ACCOUNT XXXX XXXX XXXX IS OPERATING WITH AN INACTIVE LICENSE IN THE STATE OF LOUISIANA!!!!! THAT IS ILLEGAL. SECOND, I HAVE NEVERRRRRRR GIVEN XXXX XXXX XXXX OR ANYONE ELSE ACCESS TO MY MEDICAL INFORMATION!!!!!!!!! PLEASE REMOVE THESE ACCOUNTS!!!!!!!!! 

XXXX XXXX # XXXX I have never done business with nor have i been contacted by this company. Please remove. 

- XXXX XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove!!!! 

XXXX XXXX # XXXX I have never heard of XXXX XXXX . I have never done business with XXXX XXXX. I do n't owe this debt they claim i owe. Please remove. 

-XXXX # XXXX I have NEVER done business with XXXX ... .Please remove. 

I know that mistakes happen but it should not happen at my credit 's expense!!!!! 


also these addresses are incorrect. i have NEVER lived here ... 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit card or prepaid card

On XX/XX/19 my AMEX bill was due. I had misplaced my bill and I paid it in full on XX/XX/19. This was the first time, after charging tens of thousands of dollars on my AMEX card, that I have been late on a payment. They charged me a {$35.00} late fee and an interest charge of {$32.00} for being three days late. This is an exorbitant amount for being three days late. Regardless, I paid these unreasonable fees when they appeared on my new bill on XX/XX/19 - the due date. I just received my new bill due XX/XX/19 and it shows another interest charge of {$36.00}. I could not understand why I was being charged interest again when I paid the previous bill in full and it included the late fee and an interest charge from the XX/XX/19 bill. So, I called and asked the representative - XXXX to provide a customer courtesy and waive all the charges. He asked me to wait a few minutes and he would check if he could do so. He returned to the line a stated he couldn't. I requested he cancel my credit card. I beleive this is criminal. I paid my bill in full and on time. The payment I understood included the late fee and interest as stated on my bill only to learn on your next bill they continue to charge interest that you thought you had already paid in full. I also beleive this is terrible customer service.
Product: Checking or savings account

I opened a new checking account with Wells Fargo based on a promotional offer I read on a blog called XXXX XXXX. In essence for new customers such as myself, if we direct deposited a total of {$1000.00} within 90 days of opening the account we would be given a bonus of {$200.00}. The blog stated that the bonus would be credited within 30 days of completing the requirements. I have enclosed correspondence with the blog author. From my own experience, once the required deposits are made, most banks credit the account within days. The checking account was opened on XXXX XXXX, XXXX and the total of {$1000.00} in direct deposits was reached on XXXX XXXX, XXXX, so I assumed that I would receive the bonus today, XXXX XXXX, XXXX. I spoke to Wells via phone since there is no way to access customer service except by phone which leads to many problems since the customer service people can not answer questions accurately as is the case here. The first rep named XXXX confirmed that I had fulfilled the requirements of the offer. In fact, to date, I have direct deposited over {$1500.00} to my Wells checking account. She insisted I must wait more time and so I asked to speak to a supervisor whose name was XXXX and she told me that once the promotion ends namely XXXX XXXX, XXXX, I would have to wait XXXX more days or until XX/XX/XXXX to get the bonus. Since Wells frequently extends this and other promotions that made no sense.
Product: Debt collection

i call twice so i can get a proof of debt, had not receive anything showing from what the debt is coming from
Product: Credit reporting or other personal consumer reports

During a XXXX background credit check, a closed XXXXXXXX XXXX XXXXXXXX account, paid in-full is being reported as derogatory. 

Post an acrimonious divorce this account had been closed/ charged-off. Being in the XXXX XXXX, as soon as possible, I reached out to XXXX XXXX to pay the charged-off balance of {$1100.00}, XX/XX/year>. Given very few people pay-off charge-offs, I called card services and verified that the payment had been received and the account would be reflected appropriately. I was told yes. 

I feel after being forthcoming 5 years ago the punitive reporting of this account and the rating does not afford my record the appropriate credit -- The current reporting to future employers is negatively impacting my reputation, integrity and employ ability within the XXXX XXXX XXXX.
Product: Checking or savings account

I deposited a check on XX/XX/2022 and it was a five day hold because my account is new. I received a notice of the delay funds availability saying that on XX/XX/2022 to the six business day after the date of your deposit will be available to you to use. Today is XX/XX/2022 and my phones are not made available to me.
Product: Credit card or prepaid card

On XX/XX/XXXX I had 2 transactions come through for gas companys. One to XXXX and one to XXXX. This card was not used to purchase gas on that day and there is no way my vehicle can hold {$190.00} of gas in a day. The other issue is that I live in XXXX XXXX and these purchases were made in XXXX XXXX where I do not go nor live. 

I have disputed these and they were denied by American Wxpress Serve. I then escalated these disputes. Over the phone they were extremely unhelpful where I had to call 18 times over a 3 day spread to get these disputes escalated. These are fraud charges where I have proof and I can not get any real assistance with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT SATISFIED WITH CITIBANL I ASKED WHETHER I AM ENTITLED TO A REFUND. THE FOLLOWING IS WHAT HAS HAPPENED. 

1. CITIBANK ADVISED ME BY E STATEMENT WITH WRONG INFORMATION THAT ABOUT MY CREDIT CARD ACCOUNTS. THEY SAID I HAD TO MUCH EXCESSIVE POSITIVE ACCOUNT IN MY CREDIT ACCOUNTS AND CITIBANK WOULD LIKE TO TRANSFER IT TO ME. I REJECTED THE TRANSFER AS I NEVER HAD MADE EXCESSIVE PAYMENTS CAUSING MY CREDIT CARD ACCOUNT TO BE POSITIVE 2. I SAW IN MY XXXX A MISSCALL ON XX/XX/XXXX AT 22- 23 HOURS FROM CITIBANK INTERNAL INVESTIGATION TEAM WITH NO MESSAGE I RECEIVED AS I ALREADY SLEP. 
3. I MADE THREE ENQURIES TO XXXX you have questions about whether you are entitled to a refund, K AS SUGGESTED 4. I RECEIVED THREE MISSCALLS YESTERDAY 5. I CALLED CITIBANK AND ASK IF I AM ENTITLED THEY SAID IT IS BEING PROCESSED. ND OTHER OPERATOR OFFERED THEI SERVICES. I  SAID I AM NOT DOING ANYTHING AS INSTRUCTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my consumer report that I did not authorize nor did I gain anything from these accounts.
Product: Payday loan, title loan, or personal loan

I have had a credit card or line of credit with Wells Fargo for installation of floors with XX/XX/XXXX.. I began this relationship in 2014 whereby I replace the first sets of floors on the level of my house. The cost was approximately {$3200.00} with an intertest rate of XXXX and monthly payments of {$140.00} for 48 months. When I have paid off more than 1/2 of the balance, I would call for the next stage of replacing floors, that was an additional {$2000.00}, with the same rate and monthly payment. This year I called for another phase of floor replacement. This time the cost was {$3900.00}. I signed the same paperwork. 
I recently received the monthly payment with a totally different payment plan. 
The payment went from $ XXXX $ XXXX/month with an interest rate of XX/XX/XXXX %. I contacted Wells Fargo by e-mail and phone and inform them that that was not an agreement with XXXX XXXX. ( written or verbal ) Wells Fargo does not have any agreement in writing for the change in payment and interest. I have NEVER been late or missed a payment, my credit score does not warrant such an increase. XXXX XXXX did not inform me of the increase and or change in payment or interest rate otherwise I would not have agreed to the flooring.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to transfer {$240.00} to my girlfriend 's Venmo account. In the application, an error appeared saying the transfer was declined. The money was still removed from my checking account via my debit card. I contacted Venmo and they told me it was a temporary hold and would fall off. I waited for the transaction to process so it was no longer pending. At that point, the money had still not been returned. I attempted to resolve this with Venmo by messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via email, their internal ticket system, their internal chat system, and XXXX. I was told it was with another team and that they couldn't help. They refused to take a complaint or notify me of what regulatory board handled complaints about their company. They have not returned the money.
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. 
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 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

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and TransUnion, TransUnion XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$300.00} XXXX XXXXXXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX : Bankruptcy XXXX XXXX-discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$300.00} XXXX XXXXXXXXXXXX XXXX Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account XXXX : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX bankruptcy discharged Case Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00}. 
XXXX XXXX XXXX Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files. 
XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00}
Product: Credit card

I was scammed into signing up for XXXX, an online auction site and made a {$60.00} payment for 'bids '. Shortly thereafter, within an hour, I discovered the scam and called Amazon Rewards who issued the XXXX card through Chase Bank. I asked them to cancel the transaction. The story they gave me was that even though the charge had not gone through at that point they could not cancel it. I was told by some non-native english speaker whose name I could not understand that I had to wait a few days and then I could dispute the charge. No, they would not call me back when this dispute could take place. No, they would not reverse the charge. 

I contacted XXXX and tried to cancel there as well ( within an hour of the charge ) and have not heard anything from them nor am I expecting a company like that to respond. 

The point is that I have no control over the charge. The credit card company is apparently representing any merchant against me, the card holder whose money is on the line.
Product: Debt collection

Midland Funding has neglected to properly validate an account they are reporting to the credit bureaus in my name. They are reporting a past due balance owed to them in amount of {$1200.00}. I have sent them XXXX certified letters for which I have signatures showing receipt to get them to properly validate the account and show that I have contractual obligation to pay them and anything bearing my signature. This account appears to be well beyond the SOL.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About XXXX 2015 I accepted a promotional balance transfer ( {$4000.00}, 0 % interest for 16 months or similar, for a 2 % = {$80.00} transfer fee ), and carefully tried to immediately pay off any purchases as they posted ( payment XXXX applied to minimum payment, then to highest interest rate etc. ) While I am contesting several misallocated payments, the easiest id to just focus on the airline ticket purchase of {$1200.00} + {$790.00} = {$2000.00} from XXXX XXXX, and payment made on XXXX XXXX. I made sure to pay after the ( pending ) had changed to ( posted ). 
Still, the CC applied my payment to my promotional balance instead of my new purchases ( largely voiding the interest free loan that I had paid {$80.00} for, and punishing me with unjustified interest charges ). This already seemed to have happened in XXXX ( confusing ). I had a long phone call with CHASE XXXX XXXX regarding unreasonably high interest charges. On XXXX XXXX I bought airline tickets for {$2000.00} and for {$340.00} which posted on XXXX XXXX and XXXX XXXX, and I made payments for the same amounts XXXX XXXX and XXXX XXXX, which posted on XXXX XXXX and XXXX XXXX. Yet on my newest statement received today ( XXXX XXXX ) interest charges where again too high. I called, and after being escalateded up XXXX levels I learned that most of my payments had been applied to the 0 % promotion balance instead of the purchases ( which by then had posted and which carry a 15 % interest rate ). After a long phone conversation, I was told that this in agreement with the cardholder agreement ( backside of statement, attached ). I do not agree. The service rep told me that I have to wait for the statement period to lapse in order to have my payment be applied to the new purchase. I can not understand how the paragraph ( attached ) that she pointed me to says this, and at the very least this is a deceiving statement and practice.