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

After my recent disputes, I have noticed my information was part of a security breach and there are still unauthorized items reporting on my consumer report illegally. According to 15 U.S. Code 1681i, your agency must conduct a reasonable investigation on my credit report or the items disputed must be deleted within 30 days. If your company has properly done a reinvestigation and reported the following items as verified, I am asking you how did your agency reinvestigate these unauthorized items which leads me to 15 U.S. Code 1681i ( 7 ). Your agency must provide me with a description of the reinvestigation procedure. Acknowledging that your agency must conduct a reasonable reinvestigation and show the consumer a description of the reinvestigation procedure ; I am also requesting all proof of personal interviews with neighbors, friends or associates according to 15 U.S. Code 1681a ( e ). I have noticed a list of misinformation being furnished to my credit report without any written or electronic communication as a consumer which is violating my right to privacy with fairness, impartiality, and respect. As a consumer of my consumer report, I have not received any written or electronic form that my nonpublic personal information be disclosed to your agency, nor given the opportunity to opt out the disclosure which is in direct violation of 15 U.S. Code 6802. Your agency continues to violate my consumer report by not only furnishing information on my report but doing so without any written instructions from me according to 15 U.S. Code 1681. Consumer reporting agencies can not receive and furnish a consumer 's personal information without respecting their right to privacy, give written or electronic forms of such disclosures and receive written instructions from the consumer which leads to 18 U.S. Code 1028A. Your agency knowingly possesses my nonpublic information without any lawful authority and continues to use my information by furnishing a report which is a direct case of Identity theft. None of the information provided is related to a transaction done by me as a consumer. I demand that the information listed needs to be blocked and deleted from my consumer report no later than 4 days after receiving my request. These transactions are not related to any transactions done by me.
Product: Debt collection

IM UNAWARE OF THIS DEBT AND DID NOT RECIEVE PROPER NOTIFICATION.IF YOU BELIEVE YOU HAVE SUPPLIED ME WITH THE PROPER NOTIFICATION, PLEASE PROVIDE ME WITH THE CERTIFIED MAIL RECEIPT WITH MNY SIGNATURE THANKS, CREDIT COLLECTION SERV ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I received a check from underdog fantasy On XX/XX/year> For {$36.00} I tried to mobile deposit it to Wells Fargo on XX/XX/year> This caused Wells Fargo to close my account. I spoke with support who tried to say it is because it is a bad check. I talked to the issuer and they verified it is a legitimate check and that Wells Fargo is wrong for this. So I contacted Wells Fargo again and they wont help me. They want me to contact the issuer and have them send something notarized proving it is a real check.. this situation is hurting me so bad. I dont have money now for rent or gas and food this is causing so much harm to my life. I was suppose to get a direct deposit there today and now I have no clue where its my job said that they have not returned the payment so I cant even get a new check for my direct deposit. Im at a loss for words.
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding a debt collection matter that I am completely unfamiliar with. I have recently received communications from PORTFOLIO RECOVERY regarding a {$500.00} debt. 

I have no recollection of incurring this debt or having any prior dealings with [ Debt Collector ]. I have attempted to contact PORTFOLIO RECOVERY to obtain more information about the alleged debt, but my attempts have been unsuccessful.

I believe this may be a case of mistaken identity or a fraudulent debt claim. I am requesting that you investigate this matter thoroughly and take appropriate action to protect my rights as a consumer. 

Please find attached copies of all relevant documents that I have received from PORTFOLIO RECOVERY. 

Thank you for your prompt attention to this matter. 

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

I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Product: Credit card or prepaid card

My credit card due date is on XX/XX/18. I made an online payment on XX/XX/18 paying off the balance on the account. On XX/XX/18, Chase charged an interest fee on a XXXX  balance account. When I asked to have the fees removed, they refused.
Product: Checking or savings account

On XX/XX/2023. My bank allowed a third-party access to all my funds on a personal account and basically left my personal checking account on XXXX balance without notifying me and they did not have a court order to do this on my name. They did have a court order on a business account that I no longer have but this was not a business account and was not under my name only. Also, the last deposit into this account was that of my husband 's tax return check in the amount of {$9000.00} which was deposited two days before they froze the account. That is my husband`s The bank is refusing to release the funds bank to me even though they do not have a court order that states that they can dip into a personal account. Like I said the business account that they could have access to is no longer active and the bank shuld have never gave them access to a personal accunt and allowed them to to more than {$12000.00} and they are refusing to give then back to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Account name, XXXX XXXX XXXXXXXX XXXX Delete or remove account for inaccuracy. XXXX XXXX not listed on XXXX or Experian credit report. Experian reports original balance {$27000.00}. XXXX reports the original balance as not identified. Experian doesnt list the last payment date. XXXX doesnt list the last payment date. Without a last payment date there is no way to determine an accurate fall off date. This is a violation of inaccuracy. Delete the account. Experian reports status as closed, {$28.00}, XXXX written off. XXXX reports status as charge-off with no amount listed. This is inaccurate reporting data. Delete the account from my credit report. Experian reports balance updated XX/XX/XXXX. XXXX reports balance updated XX/XX/XXXX. Inaccurate reporting data, delete account immediately.
Product: Mortgage

This a complaint against Wells Fargo Bank. Concerning XXXX XXXX XXXX, XXXX, XXXX. Based on WFM not providing the complete truth to the Credit Agencies, but only a misdirected biased opinion against our family, we have suffered considerable damages. As much as {$100000.00} in direct costs and more in other costs and ongoing costs. Wells Fargo intentionally keep as trapped and unable to get a new mortgage. THE Credit Agencies, XXXX, XXXX and XXXX have wrongfully refused to alter our credit reports, they have told us, this because of the ( false ) information supplied by Wells Fargo Mortgage. Here 's new and additional information.. 1 ) WFM wrongfully show late payments in 2016. There was one occurrence of late charges about 24 months prior XXXX 2016. Wells Fargo wrongfully carried these late charges forward. The late charges occurred when l became seriously ill. We requested numerous times, from Wells Fargo , emergency 401k application forms, so we would remain current. Despite numerous requests Wells Fargo did not supply the forms, leaving us unableto stay current. We made a complaint to WFM about this and WFM produced false documentation to 'claim ' they provided timely documentation. We will testify under oath WFM intentionally misled with  this false claim and these false documents. 2 ) WFM have told the Credit Agencies we were late in all of 2016, when in fact WFM made no late  charges against in 2016, the dispute over all late charges was n ongoing dispute and WFM had  suspended late charges as we tried to negotiate a settlement on all late charges, without resorting topossible class action law suits. We have never yet filed any law suits against WF, but we are very very hurt, at the ongoing abuse and hurtful actions to this day from WFM, as noted above.
3 ) WFM unfairly, even told the Credit Agencies we made a late payment in the month of XXXX 2016. 4 ) In XXXX 2016, after discussions, my wife and l informed WFM of our intention to settle 100 % of the mortgage on XXXX XXXX 2016. We were assured there would be no late charges from WFM in XXXX 2016, as we were settling/paying off the mortgage account in full XXXX XXXX 2016. We notified WFM in writing our payoff was arriving XXXX XXXX 2016. There was a timely written notice from our Title Company to WFM, weeks before XX/XX/2016. WFM. WFM received that written notice.
Product: Mortgage

XX/XX/XXXX. Refinanced existing Loan Care Loan XXXX XXXX XXXX XXXX servicing ) to reduce interest rates ; set up our payments directly from our bank and made very payment on time. 

XX/XX/XXXX Started getting calls from Collections at Loan Care, so I called them direct and found out they had raised our payment because of escrow in XX/XX/XXXX and we never received notice. Our mailing address is not our property address ( mail room situation in our community ) ; however, Loan Care had our mailing address and had always used it in the XXXX previous loans. Loan care applied our payments to late fees, and then continued to make our payments " late ''. incurring {$1700.00} in late fees and a deficit in principal. We immediately brought our own current ; but did not pay the late fees because we felt it was their mistake. XXXX of their agents told me they had tons of returned mail they had sent to us. 
XX/XX/XXXX -- we wrote a letter because Customer Service asking late fees to be waived because of their mistake -- no answer XX/XX/XXXX sent certified letter to XXXX explaining again because of no response XX/XX/XXXX Letter from Loan Care -- they updated our mailing address XX/XX/XXXX letter from Loan Care stating they had tried to contact us several times by phone, but we had not records of missed calls from them -- declined to waive late fees. 
XX/XX/XXXX -- Again we wrote pointing out their mistakes XXXX Received letter from Loancare saying they had waived one late fee and that's all they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a derogatory item I found on my credit report with equifax and sent them an affidavit denying that the debt is mine and and when they said they verified it, I sent another affidavit. Requesting proof of the verification methods in which they used to verify this debt as accurate. I sent the affidavit asking for verification of the methods they used on XXXX XXXX and they have still not responded. Which is a violation of the FCRA. As it has been more than 30 days since they received my dispute letter and have not responded nor have they corrected the issue.
Product: Debt collection

In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that I do not owe.
Product: Credit reporting or other personal consumer reports

For the collection accounts, and I am requesting the following documentation : The Forward Flow Agreement proving the legal transfer of ownership. The Complete Chain of Title documenting all prior owners of the debt. An Affidavit of Ownership attesting that the current entity is the rightful owner of the debt. If the above documentation can not be provided, these collections must be removed immediately as they can not be verified per FCRA 1681i. The accounts listed as charge off have been improperly reported as charge-offs multiple times instead of once, violating 15 U.S.C. 1681e ( b ). These accounts were charged off once, yet the charge-off status has been re-reported month after month for up to a year some over a year, which is inaccurate and misleading. Charge- offs can only occur once, and repeated reporting artificially prolongs the negative impact, violating FCRA accuracy requirements. These accounts must be removed immediately for failing to adhere to 1681e ( b ). Consumer claimed to have verified the information but only made false remarks/status on report. Additionally, under FCRA 1681n, willful non-compliance with these obligations entitles me to statutory damages ranging from {$100.00} to {$1000.00} per violation. Notably, I do not need to prove actual harm to claim these statutory damages. Furthermore, I will be pulling all past disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) to review the lack of action taken in response to my disputes. If this matter is not resolved immediately, I will also be pursuing legal action to protect my rights under the FCRA.
Product: Credit card

I did NOT authorize all these charges to my credit card. Please REMOVE this XXXX from my credit card. I DO NOT want this service. There are XXXX charges which should be credited to my Credit Card. Thank you, JC Penney Card Holder.
Product: Credit card or prepaid card

I have a TJX Reward masgtercard thru Synchony Bank for several year Alway pay my balance fully each month. My fico is XXXX Last month XXXX I receive my bill an realized that i didn ; t pay the month before so i had a late fee and a new balance for this month totallly aprox XXXX. I realized that I paid my XXXX  card by mistake ( I pay all my cards thru bill pay at XXXX XXXX XXXX and XXXX  was on top of TJX  card so you see why i made this error ) I immediately on XXXX I call TJM  card or Synchony Bank, I told them i would make the XXXX immediately and they saidd they would remove the late charge. I paid on XXXX {$18000.00}, XXXX in nstead of {$1800.00} by mistake, another error on me leaving a credit of {>= $1,000,000} at Synchony bank. they told me they could give me my money until XXXX XXXX. I called today and they closed my card for for High risk. They srre still not clear on when I anm getting my overpayment back. I have never held a balance or have been late. They still havn '' t return my credit. My concern is that they are using high risk as a reason for closing my card and contactingg any of the bureaus with this information, Maybe because i dont hold balances, i really dont know. When I ask to a supervsor, there was none avasilable. 
At this point I want my credit refunded immediately, proof that there are no derogatories on my credit and a clear reason my card was canceled. 

Appreciated
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the debt referenced in your communication dated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], regarding the collection on behalf of XXXX XXXX XXXX  .

The debt pertains to the alleged failure to return equipment to XXXX XXXX XXXX. I would like to inform you that I am currently in possession of the said equipment and can return it to XXXX XXXX XXXX at any time. As such, I believe that the debt being pursued is inaccurate and should not have been sent to collections. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt and immediate cessation of any collection activities related to this matter until the dispute is resolved. I am also requesting that any negative information related to this debt be removed from my credit report, as the debt is clearly incorrect. 

I am prepared to coordinate the return of the equipment directly to XXXX XXXX XXXX to resolve this matter amicably and promptly. Kindly provide the necessary instructions for the return process if required.

I request written confirmation from your agency that the debt has been withdrawn and that no further collection actions will be taken.

Thank you for your prompt attention to this matter. Please contact me at [ XXXX XXXX XXXX XXXX XXXX ] to confirm receipt of this letter and to provide further instructions for the return of the equipment.

Sincerely,
Product: Checking or savings account

Citibank fraud reference # XXXX My checking account was drained by someone who was able to add my debit card to their applepay. They used applepay continuously to take all my money. I have filed a fraud dispute with citibank, but they are denying my claim because they said I am in possession of my debit card. What does that have to do with XXXX fraud? Someone was able to add my card to their phone. I did not lose my debit card so why am I being held accountable.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I checked MyEquifax.com signed in and requested a copy, I was given the message. " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX ( XXXX ) '' XX/XX/23 I called and went through an automated machine, then I went to a customer rep and they made me take a picture of my ID, front and back and a selfie and then denied me of a report until they can verify me. Yet everything was working fine months ago. I was asking for a report because a credit card was denied based on something on my report.
Product: Credit card

Citibank, after encouraging me to pay double each month so I could build open credit and improve my credit score, has lowered my credit limit twice within a year and eaten up all the open credit that I had built.
Product: Credit card or prepaid card

XX/XX/XXXX my credit card was not in my possession and was used at XXXX XXXX KY for 2 separate transactions to purchase visa gift cards. A police report was filed and submitted to Bank of America. There is an ongoing investigation with the police as they locate the suspect. Security camera footage show the suspect using the stolen credit card. 

The Credit card company temp credited my account and sent me a letter on XX/XX/XXXX that my claim has been denied and I am responsible for the fraud charges because the card was present and a chip was used. 

I was not even in the state nor did I have the card in my possession at the time of the charges. 

I called Bank of America on XX/XX/XXXX and worked with a customer service rep and he re-opened my claim and said I would not be responsible for the charges again until everything is closed. I am mailing in pictures of the suspect along with an email from the XXXX XXXX Sherrif 's office stating " this is the suspect ''. Bank of America asked me to fax also and I will do that today. I do believe it is difficult to see a person in a hoodie and glasses on a fax but I will submit the fax today and also the information has been mailed. 

XX/XX/XXXX, I called back to Bank of America to ask why there is a balance on my account and he said I am responsible for the balance until the investigation in complete. I asked for the details of my calls in to resolve this issue and he refused to give me the information, said I need a supena. He was very rude and not willing to help me with the details so that I could file this complaint with all of the points of contact I have made. I have been with Bank of America since XXXX and I did cancel my card today due to this issue and there is no favor of the customer being correct. My card was stolen and used to purchase gift cards. I am VERY unhappy with Bank of America and their lack of concern for their customers, especially long term customers with excellent credit history. I have had no issues with my credit card since XXXX and this is the first one and it has been handled extremely poorly. The fact that I am having to contact the CFPB to help resolve my fraud claim is ridiculous. Warning to those who use Bank of America. They are not about backing the customer when there are fraud charges on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Financing company ( Acima Credit ) Allowed someone to pickup an order in my name and against my credit. I have filled a police report, as well as attempted hundred of methods of contact with this company, with no reply. My email is tracked, so i know they have opened and read my emails. I am trying to work with them, however they are refusing to work for me.