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

I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate items from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter. I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved. I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report. Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent. Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report. Ensure that no further negative impacts occur on my credit report due to these inaccuracies. I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file : 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: Mortgage

Wells Fargo continues to discriminate against me. They have destroyed my life for 2 years and the CFPB will not help. Please keep my case open until Wells Fargo admits the truth. The CFPB needs to help me communicate to Wells Fargo so they understand the devastation they are creating. What documents do I need to submit to prove Wells Fargo is breaking the law? The CFPB needs to give me more guidance. Wells Fargo still has no email XXXX accommodation available for me to contact if I have questions, see attached letters dated XX/XX/2016 from both Wells Fargo Home Mortgage and Wells Fargo Home Equity. I am telling the truth, please help me CFPB.
Product: Credit reporting or other personal consumer reports

This is my attempt at rectifying a reoccurring issue with Equifax about recording and report tradelines that I been authorized user and the tradelines that I purchased that report to all the other, but nothing been recorded or reported since the unauthorized dispute was done my account without my permission. They are removing tradelines that are reporting as positive but the refuses to remove the fraudulent account are being reported now. None of my new accounts are showing up at all on Equifax the last XXXX account have not reported since that unauthorized dispute. I'm trying to buy a house with the repeated mistake and the unauthorized dispute without my permission how can I buy a house. Equifax has not helped me or contacted me as far as resolution to this problem I take this very seriously this my life and legacy someone trying to destroy with no accountability. XXXX XXXX, XXXX, XXXX XXXX are not being reported at all
Product: Credit reporting or other personal consumer reports

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

XXXX XXXX Attn : Consumer Relations Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by XXXX. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for XXXX to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required. 

Thank you for your cooperation. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Payday loan, title loan, or personal loan

According to a guy claiming to be from the compliance office of XXXX XXXX there is a case against me that I am not sure how this came to pass. The gentleman was very rude and also contacted my brother and a clinic with the same hospital I work for but not the clinic I work in. I feel that I have received no information in regards to this issue with supposedly ACE CASH EXPRESS, according to them I received a loan, in an unsaid amount of money and it was deposited to a XXXX bank account with my information on it and that it was not paid due to account being closed, I have been with my current bank for over 3 years and have not been with XXXX for a long time now, so I am not sure about this, I was told that I am being charged with defrauding a financial institution and owe them money, well I do not agree that this is legitimate as I do not recall ever getting a loan from ace cash in XX/XX/XXXX. As for the money that they say that I owe, I have never received any documents in writing stating that I owe any money to them but now have a case pending against me? That really confuses me, because most companies would attempt to collect what could be owed instead of taking a person to court for a small amount as payday loans typically are. Please help me I am a single mother of XXXX boys and work very hard but do struggle to provide and feel that this could be handled differently and I feel that they are using bullying and scare tactics to get more from me then the amount that supposedly was borrowed, when asked for documentation I was basically told that they had already sent the information, but I have yet to receive anything in regards to anything of this nature. I would appreciate a little help trying to clear this up, If I owe something fine, but if this is not something that I owe even if they claim to have all my information that does not mean that I received any money from this place. 

Thank you
Product: Money transfer, virtual currency, or money service

I made a transfer of funds in the XXXX cryptocurrency ( XXXX ) from a binance account to my coinbase account, but the transaction did not appear and the money is missing. Below is the transaction on the XXXX XXXX : XXXX XXXX XXXX I wrote to coinbase support a short while after the transaction was validated, but did not receive an answer after two weeks of waiting. Following are the support tickets I submitted XXXX and XXXX After making the transfer I noticed that the wallet address for transfers changes every time I pick a currency, so I suspect coinbase just steals all the crypto deposits. 
My account is under the address 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 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
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 XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory.

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
Product: Credit card

So I have a credit card account with PNC bank. I opened it and was working perfectly. I paid off the balance basically weekly. They then sent me a promotion for zero percent interest. I took them up on the offer and did a {$7200.00} balance transfer where I was charged 2 % balance transfer fee. The balance was to be charged 0 % interest through XXXX/XXXX/XXXX. That was all great the first statement came and now interest and I paid off the balance. Then I used the card for regular purchases and paid off the amount. I always paid more than I spent. So the following month I was surprized to see a {$1.00}, I complained and they promptly removed it saying was cause I continued to use the card. That did n't make any sense as the whole credit card concept is that they make money by paying the places you use the credit card less than the establishment actually charged the credit card holder, but then requiring the credit card holder to pay the full amount and as long as you pay off statemetns in full their is not charge. As I had a zero percent interest balance I wanted to pay the minimum needed to avoid interest but maximize the amount of balance carrying zero percent interest. I had accidentally made XXXX payments in XXXX that one of the customer service representatives discussed with me, but ultimately failed to complete transfering back to me the extra payment, so I called in again and was completed on XXXX. Then when my statement was cut on XXXX/XXXX/XXXX their was a charge for {$4.00} in interest. I called and raised XXXX and cited my understanding of the consumer protection laws around credit card and PNC just locked up and would not assist me anymore saying they would just have someone call me or send me a letter in 10 days. I just want someone to credit me back my {$4.00} and help me determine exact minimum payment to pay and avoid interest going forward. Now that they wo n't help me I risk accrusing other interest. To try and avoid and remembering that the lady had said I had a non promotional balance of {$50.00} something dollars I went ahead and added {$60.00} to the minimum payment they say is due in XXXX ( {$170.00} ) and made the {$230.00} payment today to attempt and avoid additional interest charges but this lack of customer service is infact causing me to overpay and thus not reap the full benefit of the zero percent interest promotion I tried to sign up for. I am very disappointed in this service and lack of understanding of their product as far as customer service that I have received from PNC bank. I believe they should credit me my {$4.00} and the interest at their credit card rate + principal on the overpament overpayment was. I am just frustrated that they ca n't give me clear and concise information. I am likely more advanced than their typical client ( own XXXX properties, XXXX USD net worth, etc ) and if I am having trouble getting a straight answer from them expect their less sofisticated clients are even getting worse treatment.
Product: Debt collection

XX/XX/XXXX of last year I had a car wreck. They sent me a bill and i began making payments on it. I have been paying on it for almost 7 months, then out of nowhere i get a letter from a collections company saying my bill has been sent to collections, even though the hospital has been sending me bills with updated amounts on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Product: Credit card

I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.
Product: Credit card or prepaid card

We seen that I have two huge promotional balances expiring on the same day next month on our Care Credit Card. This was from a large veterinary bill, both unfortunately in XXXX of last year. To have something like this expire all in one day is a lot. We reached out to the bank, today to see what our options are.. I have had been dealing with a very high min payment since this charge originally hit. We were perplexed. Where had all this been going? We understand we have a balance of over {$4500.00} on this card, currently, but how could it be that two of our highest charges were never, ever touched?! It was explained to us that it had been going to our XXXX percent balance from XXXX. All of it! How can that be fair or even possible? So, its like telling someone that they are meeting a min payment of {$200.00} plus for one solid year and they had absolutely no chance in paying off the two large charges from last XXXX? We don't recall agreeing to something like that, nor had we any knowledge that this was going to happen. I thought there were laws put into place now that money had to be allocated to debt that was going to expire first under promotional balances? 

The rep offered to reallocate some of the payments to one of the promotions bringing it down to {$920.00}. A little bit better. We had just paid our high min payment of {$200.00} two days ago! So, where is that going? Still no help to bring this down? 
We were going to try our best to try to pay one off by XX/XX/XXXX but what about the other one of {$2200.00}? What about that? He said he can only give us a grace on that until the end of XXXX XXXX is that going to help on over XXXX? I can't pay XXXX in another month. So, this bank is basically telling me I have to pay off my entire bill the end of XXXX or I am looking at almost XXXX in interest? That's what this is. 
We told them we still need this escalated and emailed customer service as well but we are not expecting to hear a favorable outcome.
Product: Credit card or prepaid card

Hi, I applied for a new BoA credit card online on XX/XX/XXXX. Then I received an email on XXXX saying my application was approved and should expect to receive the physical card in XXXX business days ( which is between XX/XX/1823 ). 

However, on XX/XX/XXXX, which is before the expected card arrival date, when I log into my BoA banking system, I noticed some charges ( XXXX in total ) were post under this new card. I never received the card, nor did I have a chance to activate the card. So the charges must be credit fraud. I contacted the customer support of BoA immediately. The agent helped me to close that card, ship a new card to my home, and create a ticket to research my case. The mis-charged amount was also temporarily removed from my account. I thought the issue was resolved. 

On XX/XX/XXXX, I noticed those amounts were charged back to my account. I went to the secure message center to check my case status. It was closed with the conclusion that my card was actually used by myself or someone I have authorized too, or it was simply lost because of my mistake. Therefore the bank refused me to dispute the transaction. But my point is, if I never received the card, why it is considered my fault to lose the card? Plus, the address I put in the application is my current address. So there is no way for them to send the card to another location. Plus, how did the card get activated? Thought my phone sms code? - My phone was not lost and I never got or sent code for that. I reached out to their customer support again. This time, their response literally shocked me. The agent said they can not help my case further because the card was indeed used. I asked further details about why it can be used without activation, or if they can provide further details about how my card was activated. The person literally said no the card can be used without activation. If it's true, I feel the entire authentication system of BoA is concerning. I don't even feel comfortable to keep the other account I opend with them, since I'm not sure if my money is safe under such a vulnerable platform. 
Besides even if they want to do this, can they at least make sure the card sent can be securely delivered to the customer? Otherwise, why it's the customer responsibility to pay the cost? What mistake they have made?
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of XXXX XXXX XXXX XXXX. The debt has two different open dates, XXXX is reporting That I opened this account XXXX while Experian is reporting that I opened this account XXXX Because the open dates being reported by XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.