23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Received a TD BANK DEBIT VISA CARD in the mail IN MY NAME. I have never opened an account with TD BANK or have ever communicated with them.
Product: Credit card

I requested a copy of my XXXX XXXX application and all of my monthly billing statements. Instead of providing my application, the company mailed me a large batch of documents that included approximately 75 pages of other consumers private account summariesnone of which were mine. This is a serious privacy violation. My own application was not included, and I never received proper validation of my account. Im deeply concerned about the exposure of other peoples personal information and the fact that my own records were not properly handled.
Product: Credit card

I have been receiving notices from Macy 's via email since XXXX concerning a credit card statement. I have repeatedly notified them that I do not have a credit card with this company nor have I ever had one with them. I did have an online shopping account. In XX/XX/2016 I started receiving late payment notices concerning a credit card payment via email from Macy 's. I once again contacted the company via email and phone that I did not have a credit card and after all this I will never get a credit card from them. I did log into my online shopping account and noticed XXXX credit cards were listed on the account, none of them were mine. I notified Macy 's customer service who after a couple of months did close my online shopping account but that did not resolve the problem of me receiving the credit card statement notifications. I also requested that any reference to my email account be removed from their database, but that is obviously too difficult of a task for them to complete. I have now filed a formal complaint with the FTC and with the CFPB.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation.

Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. this company has reported payments late for the months of XXXX XXXX XXXX XXXX and XXXX of XXXX, when all payments were made on time. i have requested and attached checks made out to this company that were sent from my bank to pay for this loan on time. i request that these late items be removed immediately Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments.

Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report.

Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX XXXX Experian. This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard. 

Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law.

Request for Confirmation : I kindly request written confirmation from XXXX XXXX  once the corrections have been made and the accurate information has been updated on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

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

Subject : Dispute of Late Payment Charges Based on 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the late payment charges that have been reported on my account 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
If for the billing cycles of [ Insert Dates ]. I believe these charges are incorrect based on 15 U.S. Code 1666b, which outlines the timing of payments for open-end consumer credit plans.

Under 15 U.S. Code 1666b ( a ), a creditor is prohibited from treating a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. 

I have reviewed my records and found that I did not receive the statements at least 21 days prior to the payment due dates. Therefore, it is unreasonable to have reported these payments as late and to have imposed any penalties or negative marks on my credit report. 

Additionally, under 15 U.S. Code 1666b ( b ), if an open-end consumer credit plan offers a grace period within which the balance may be paid without incurring additional finance charges, the finance charge may not be imposed unless the statement detailing the amount on which the charge is based is mailed or delivered at least 21 days before the specified payment due date. Again, the delivery timing did not meet this requirement, as evidenced by the dates on my records.
Product: Money transfer, virtual currency, or money service

We responded to a XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX, regarding a NY apartment available for rent. It was for my child who was starting an internship in XXXX. The post referred us to contact XXXX XXXX ( XXXX ) XXXX, who claimed to be the Listing Property XXXX for XXXX XXXX XXXX. Correspondence regarding apt details between him and my daughter ensued. The apt was supposedly being subleased. We provided requested personal information ( I redacted my personal information like SS and bank account information ). We received and signed an agreement. We were then asked wire {$2600.00} rent deposit to XXXX XXXX, XXXX XXXX XXXX  savings acct, XXXX XXXX XXXXXXXX XXXX, XXXX, GA. The wire did not work, so we were given another account to XXXX XXXX XXXX to Wells Fargo Bank checking acct, XXXX XXXX XXXX XXXX NY XXXX, and received confirmation from XXXX. We were asked to provide a 2nd deposit supposedly requested by the owner due to past negative experience and we would be refunded our first deposit if we could not pay this. To reaffirm our good faith and to secure the apt , we decided to wire the additional {$1400.00} to XXXX XXXX XXXX again, but did not receive a " booking receipt '' as per the agreement. After numerous follow ups and about 2 weeks before the move in date, XXXX finally responded to my daughter, " We need to process your refund, because the current occupant decided to extend her stay. '' He corresponded via text with my daughter indicating he would have other options available and would get back to her with status. My daughter communicated that she preferred a refund because the other options were not suitable. After repeated requests and follow ups, he stopped responding and the refund never happened. We sent a demand letter to XXXX and XXXXXXXX XXXX  XXXX. It was addressed to the names on the letterhead of XXXX XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX. There was no reply. We reported this to our bank, Wells Fargo, and they could not contact or retrieve the money back. We concluded we were defrauded by {$4100.00}, inclusive of wire fees with added stress to me and my child while simply trying in good faith to prepare for her internship in XXXX. We hope this will help prevent this happening to others in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the Experian to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB :XX/XX/XXXX
Product: Debt collection

To Whom it may concern I have recently review a copy of my consumer report and have noticed that there is a collection furnish on my report that I know nothing about, nor am I sure that it is even my debt. The misinformation being furnished to my consumer report is negatively effecting my credit worthiness and may have substancial financial consquences for me and my future The debt furnished on my consumer report reads as followed I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX According to the Federal Laws governing debt collection and Credit Reporting FDCPA and the FCRA you have violated my consumer rights under the following 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( a ) Debt collectors are required to abide by these strict guidelines inorder to ensure the accurancy of the debts that they report and providing verification of the debt upon the request from a consumer I XXXX XXXX am formely requesting the following actions to be taken in regards to the incorrect debt being furnished on my consumer report 1 - Provide me with detailed information about the ownership of the debt in question to include the account number, original creditor, and all documentation related to this debt to include your forward flow agreement between your company and the original creditor 2 - Cease any and all collection activities in relation to this debt until the validation process is complete 3 - Investigate the source of the error and promptly update my consumer report with the 100 % accurate information 4 - Confirm in writing that this debt has been removed from my consumer report and that there will no longer be any attempts to collect on this debt I am urging your agency to comply with the above requested actions as it is mandated by Federal Law. So please do so inorder to prevent any potential legal consequences for non compliance.
Product: Credit card

Because of an error on American Express ' end, I occurred a fees totaling a XXXX dollars on a banking account I was in the process of occurring. On XXXX XXXX, I spoke with XXXX XXXX who was the first person who promised to refund the fees as soon as soon as I provided documentation. Because of the hassle I had already been through, I too recorded the phone conversation and would be happy to provide that. Once I provided documentation, I never heard from anyone. After calling in and being passed around, I spoke with a supervisor named XXXX XXXX. He told I could " consider it done '' and he would contact me again within 24-48 hours. That too never happened. I called tonight, was once again passed around to various departments, and was told that XXXX XXXX was not in the office and they were n't sure why he had n't contact me but they were unable to do anything. The supervisor I spoke with tonight said he should be contacting me tomorrow. I told them I was filing a complaint tonight as this issue has gone on for too long. I 've literally spent 4+ hours being passed around with no results.
Product: Checking or savings account

As of XXXX, out of the XXXX most recent monthly paper statements from Citi, I have not received XXXX ones, and the remaining half of them have been delayed up to 3 months - please see the list ( att.1 ), and a copy of two envelopes ( att.3 ).

Citibank has not replied to my complaint dated XXXX, and delivered on XXXX ( XXXX ). I expect Citibank to answer my complaint and to deliver my paper statements in the timely manner. 


Some time ago I have filed a complaint with the CFPB regarding the same problem, case # XXXX. Then, Citi provided an explanation to the CFPB, dated XX/XX/year> ( XXXX ). Since then I have done some research and in my above-mentioned complaint of XXXX, I dispute the Citi 's position.
Product: Credit card

XXXX, which is a security firm, keeps charging my credit card. I have called them plus Bank of America to request these charges stop ASAP. I have even cancelled my credit card twice with BOA. BOA keeps alleging that XXXX is bypassing the bank, and going to directly to XXXX to improperly charge my credit card. This is fraudulent and suspicious behavior in my opinion, and I need for this to cease and desist immediately.
Product: Debt collection

I am not liable for this debt with XXXX UNIVERSITY and do not have a contract with ACCOUNT CONTROL TECHNOLOGY. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports Equifax, XXXX and XXXX. 

XXXX XXXX Account Number : XXXX Thank you, XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, I made purchases in XXXX with funds from my account. These transactions were reflected on my account immediately. The next day my car payment was taken out, I was overdrafted, and the transactions were reposted to my account the next day as new charges. Instead of XXXX overdraft fee, I received XXXX overdraft fees on purchases as little as {$5.00}. Wells Fargo reversed the order of charges to charge as many overdraft fees as possible. I spoke with a representative to no avail.
Product: Checking or savings account

capital one has not deposited my payroll check from the 15, now on the 3 day and still no deposit. capital one say they working on the issue but no further upsates for 3 days
Product: Mortgage

After finally hearing from Wells Fargo, whom I contacted they reported trying to reach me once in the middle of a hurricane here in the XXXX and no phone or cell service for 10 days from XXXX to XX/XX/XXXX Ms XXXX XXXX. my loan specialist. I see they still have not updated you. She expected to have the issue resolved by today and I am still waiting on a response all I have received are forms, more forms multiple canned letters and multiple canned email responses to my requests, None of which are inline with my original agreement. I will not fill out any forms until I receive a formal response to my original complaint. I will not accept any other then the terms of the agreement already agreed to XX/XX/XXXX and XX/XX/XXXX with the Wells Fargo Rep. Ms. XXXX reports that she would listen to the call and form an opinion on the matter, I do not see how she could be or any wells fargo could be non bias in the interpretation of the conservation. The wells fargo rep " I would strongly recommend .... " and that is the option I took. In addition my escrow account has also not been reviewed as requested. I would like to apply the over XXXX in overages to my account and that would make my mortgage current.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized/inaccurate accounts. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting or other personal consumer reports

I want my XXXX XXXX XXXX credit card of the month XX/XX/year> to be changed to PAID AS AGREED. I have made all my payments on time
Product: Credit card

Comenity bank is misleading with their zero-interest promo, with the sole purpose of making customers ignorant and making Comenity bank more money. 

Plan 1, XXXX Signed up for XXXX interest promotion for XXXX XXXX with Comenity Smile XXXX. 
I trusted this banking institution that my payments as charged would meet the balance at the end of the promotional period. I looked at my statements and it showed the promotional plan with the minimum due for that plan, this amount matched the minimum due every month. 

Plan 2, XXXX Different family member required dental surgery, signed up for different plan. I once again trusted that my minimum payments with the addition of this second plan still met the total required to pay off the plan balance by the end of the promotional period. 

XX/XX/XXXX XXXX XXXX My balance and payment have more than doubled. Turns out my minimum payments did not meet what should have been required to pay off the plan balance by the end of the promotional period. And the responsibility is placed on the consumer to figure this out, because this is not explained in your statments. Shows you the numbers, but they don't honestly reflect the minimum payments that should be required in order to cover the balance.
Product: Debt collection

I have paid original creditor XXXX XXXX balance down to {$700.00} XXXX XXXX sold debt to Spring oaks capitol for original amount as though there was no payments made. There is a current CFPB complaint # XXXX. I did not request within that complaint what I am about to request now that is within my rights to request according to the fair debt collection laws set in place.This company sent me verification of this debt only. I am now requesting 4 specific things in regards to Debt Validation according to:15 USC 1692G .

1. I want a detailed payment history of payments I have made on this account.

2. I want for Spring Oaks Capitol to send me a copy of my signature guaranteeing that I would pay Spring Oaks capitol if debt go in default with XXXX XXXX. 

XXXX am wanting proof of any insurance claims that may have been filed on this debt to be provided to me. 

XXXX want CHAIN OF TITLE proof to collect on this debt. 

The debt owed amount and what is trying to be collected is inaccurate. I need mentioned items above to be provided according to FAIR DEBT COLLECTION PRACTICES LAW 15 USC 1692G. 

Thank you.
Product: Mortgage

A few years back I had a mortgage with Wells Fargo, Wells Fargo modified the loan during the new account takeover scandal and also opened an escrow loan on top of that. Wells Fargo was not willing to work with us and charged numerous fee 's to XXXX XXXX where we could not afford to pay the remainder. Wells Fargo was not willing to work with us because of their intense sales tactics. Wells Fargo ended up foreclosing on the house and would not refund of any of the thousands in fee 's they charged me. This mortgage is still showing on my credit report. ( XXXX XXXX XXXX XXXX XXXX TX XXXX ) Not only does Wells Fargo continually report this as deliquent. They sold this home back in 2013. Wells Fargo made well over {$80000.00} off the house and did not compensate me. Wells Fargo was not willing to work with me and opened additional account 's and advised me to apply for a personal loan which I did not do. Wells Fargo has caused damaged to my credit file continuously and to my personal health. I would like XXXX relief  for all of the fee 's Wells Fargo charged me, as well as damages for the house being foreclosed and Wells Fargo not willing to assist me. Instead offering other account 's Wells Fargo did not refund the fee 's and Wells Fargo has not compensated me for the poor sales tactics that occurred back during the new account take over scandal.