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

The bank is refusing to follow the procedures outlined by the Federal Govt in how to deal with unauthorized purchases, specifically where a refund/credit was supposed to be received but was not yet received. They indicated they are not required to open a dispute without documentation in writing stating that I am due refund or credit. I explained that it was a phone call where an account was cancelled and i was told they refund would be processed to my account in 5-7 days that has been almost two months. To appease them I explained that if requested after the dispute is open or challenged by the merchant that I would get documentation however the responsibilty is for the dispute to be opened. She refused and said until I have the documentation that she would not open the dispute to which I responded that I couldnt even send the documentation until the dispute is opened and she responded well I know you dont have the documentation so until you do I wont even open the dispute. I referenced to her Sec 205.11 of Reg E iii. The omission of an electronic fund transfer from a periodic statement Generally this one will apply to a missing credit to an account. If the case of a debit card transaction, if the merchant promised a credit or refund and failed to provide it, it is a Reg E error. If the merchant did not make such promised, but the customer feels they are entitled to one, it is a merchant dispute. The rep indicated they are not required to follow those guidelines ... I think BMO needs a update on Fed guidelines when it pertains to Reg E too many banks think they can make up rules and do their own thing. The rep I spoke with : XXXX XXXX XXXX  XXXX XXXX, XXXX. This needs to be addressed!
Product: Checking or savings account

Hi With due respect my name is  XXXX   XXXX  running a small business of   XXXX   XXXX   XXXX   in   XXXX   XXXX   ca. I would like to file a case against dispute claim I had delivered  XXXX  cars of worth {$19000.00} on this date  XX/XX/  2016 to  the customers after bank approval from their debit card but now after around six and half months without informing my  BOFA MERCH SV CS deducted money from my business account bank of america on inquiring they told me there was a dispute claim so we gave money to them I cleared and showed and send them the original contract copies of cars sold out but the bank is not responding they are saying we ca n't help you and file a case against customer or sue them or have a lawyer.     Kindly I request you to help me as I do n't know the other way around I started this very small business and all I have was that which is gone and I am in serious need of help attached with all the necessary documents sales contract etc.     I am looking forward for some immediate help and response.
Product: Debt collection

The number has called my cell phone repeatedly and left very vague messages. Each message says " You have a message from XXXX XXXX XXXX. This is a call from a debt colletor. Please Call XXXX. Thank you. '' There is no information left as to what the debt is, who the call is for. Also, the number to call back is not the same number they are calling from. I do not have any outstanding debts. XXXX XXXX XXXX marks this as an Alert Call : Spam Risk
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX, XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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. 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. Sincerely
Product: Debt collection

Company called in aggressive tone. They stated the debt and amount. Told me they sent an attempt to collect via mail. Which i never received nor was aware of. Told me they were going to file judgement to court or something like that that my debt was in delinquent state. The asked me do i want to resolve this yes or no. I said i cant give you answer until i find out whats going on but he interrupted saying youre not goving me answer of yes or no. The whole call i was stating i couldnt give him an answer at the moment. IN one occasion i said uhh i cant give you answer at the moment. He replied with you said uhh which means youre lying and most likely dont want to continue to resolve this. I told them multiple times i was at work. I aske a question and he started laughing. He tried to rephrase what he was saying to try and get me to give him an answer.
Product: Checking or savings account

I had a charged off account ending in XXXX in XX/XX/XXXX. I went to the XXXX Tx branch in XX/XX/XXXX to open a minor account but was told I could not until {$300.00} was paid from my charged off account. I made the payment and opened my new account. On XX/XX/XXXX I went into the The XXXX branch to open another minor account which the representative XXXX  told me that I owed XXXX. He then did further investigation and stated there was an alert that the balance was paid in full but there wasn't any notes. After consulting with his assistant branch manager they opened one checking and three minor accounts. I made a deposit of {$320.00} in account ending XXXX. Later that day {$300.00} was taken from my account. I went to the branch XX/XX/XXXX and the branch called the back office where we spoke with XX/XX/XXXX, which was very rude and continue to talk over me. XX/XX/XXXX stated it was a error on my end and there wasn't anything she could do. I asked for a supervisor XX/XX/XXXXstated the supervisor wasn't available and they was going to tell me the same thing she told me. I did not authorized this transaction nor was I advised it was being taken. I haven't gotten anywhere with this
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my repost I do not recognize
Product: Money transfer, virtual currency, or money service

I was scammed on the XXXX XXXX XXXX XXXX XXXX platform at XXXX on XXXX XXXX. Teens approached me and asked me to help donate to charity. They were very convincing and showed me a website and other documentation. I said yes and handed them my phone when they told me that Zelle was the best mechanism to make the donation. They used it to send two {$1000.00} transactions via zelle to themselves before handing the phone back to me and telling me they couldn't enter in the payment info. 

I filed a fraud claim to XXXX XXXX XXXXXXXX XXXX Zelle department, and they denied my claim. I have an outstanding police report and the XXXX XXXX police are currently investigating. There is also XXXX footage showing that I was indeed scammed. This is a known crime activity on the XXXX XXXX, and I do not think my fraud claim should have been denied.
Product: Debt collection

A company by the name of Hunter Warfield c/o XXXX XXXX has stated that I owe them a debt of {$1100.00}. This debt was recieved via mail and I therefore immediately replied making it known that the debt in question was not mine nor I was aware or involved within the matter whatsoever. This has been an ongoing matter and is in clear violation of all aspects on credit and consumer financial protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting three paid off accounts from XXXX XXXX, SST, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion and XXXX have incorrect information on my credit report and refuse to correct it. I've also been victim of my information being breached by credit reporting companies but they refuse to pay me for my time to fix my credit. I've been victim of identity theft because of this
Product: Student loan

I have been on the PAYE plan for over 5 years, and working towards PSLF with <5 years remaining until forgiveness. I have planned my career, and life around receiving forgiveness through PSLF, and MOHELA 's incompetence as a loan servicer is unconceivable. I have dutifully followed all rules to achieve forgiveness, including recertifying at correct time, never missing payments, submitting annual employer certifications. 

In XX/XX/XXXX, I began to receive notifications from MOHELA to recertify my annual income with a deadline of XX/XX/XXXX. I dutifully did so on XX/XX/XXXX. My payment increased from {$350.00} to {$790.00}, which I was prepared to pay. I then learned of the announcement from the Dept. of Education ( DOE ) on XX/XX/XXXX that the time to recertify had been extended until XX/XX/XXXX ( XXXX XXXX XXXX ). This announcement also stated that if borrowers recertified and their payment increased, they would be returned to their lower payment. I waited to see if I would be returned, and as XXXX progressed, this did not happen. I called MOHELA on XX/XX/XXXX to request that I be returned to my previous amount of {$350.00} per DOE announcement. The representative stated that they were still waiting on guidance from DOE and that in the meantime I would be placed on " process forbearance '', she also stated this time on forbearance would count towards PSLF. It has been several months since then, and I still have not been reverted to the previous payment of {$350.00}. In addition, I have had to call multiple times ( XX/XX/XXXX and XX/XX/XXXX ) to have my 'process forbearance ' extended. I also noticed that I have a new amount in my account due on XX/XX/XXXX of {$1200.00} which does not match either XXXXXXXX XXXX  or XXXX XXXX It is not clear how MOHELA calculated this amount or why this amount is showing up on my account. The representative I spoke to on XX/XX/XXXX stated she would put in a " note to fix this '' and that they still have not received guidance from DOE and that she wasn't sure if these months on forbearance would count towards PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a second account as a charge off that I never opened from XXXX. My one and only account with XXXX was paid and closed. I have tried disputing several times as not my account, incorrect payment information as well as dates wrong but Equifax keeps only updating information on that account. I was able to have this second account from XXXX deleted from the other credit reporting agencies but Equifax will not delete it and they will not show me proof of how they verified this information. There is no proof of me opening a second account at XXXX. The charged off XXXX account is a false account or created in error and it is illegal for them to keep reporting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my TransUnion credit report. They said I need to contact the XXXX XXXX XXXX and get a report. When I tried that I was sent to XXXX website. TransUnion also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX Bank on XXXX XXXX ( XXXX ) XXXX the other is XXXX XXXX on XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I appreciate your attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.
Product: Mortgage

WELLS Fargo  has repudiated a settlement after we paid the mortgage off in full.  <P/>  WF u nfairly charged us about 36 months of late payments.We fell behind  XXXX  months when l was very ill, receiving  XXXX   XXXX  treatments and could not work.    WF refused all our requests regarding help on this two month, such as adding it to the loan for a payment on s ale.  <P/> A  lthough this was one occurrence, Wells charged us about 30 late payments.
We were forced from our home of 23 years by Wells.On pay off we agreed with Wells they would remove the affects of their late charges. Wells removed about {$5000.00} in late charges and we paid the mortgage in full.
When we tried to buy a new house we found we could n't get a new mortgage, because Wells did not remove the late charges from our family 's credit repor  t, hurting both my wife and l.  Wells claims ( a ) it was a 'courtesy ' but.it was not we has told Wells a very similar case was lost in New York , it was necessary not a courte sy ... ( b  ) Wells Fargo now says they never promised to remove the 'late ' payments from both of our credit ratings. ( c ) this is disingenuous it was very clearly implied and meant ( d ) Wells is intentionally stopping us from buying a new home, as we ca n't get a new mortgage after their refusal to remove the late charges, and costs and rates are increasing ( d ) It costs Wells zero to do the right thing ( e ) Wells continue their unfair bias against us.   <P/> I need to settle my wife in  a new home urgently due to my poor health and age (   XXXX   ) Time is of the essence. WF must stop stalking us after we paid the mortgage in full.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Debt collection

I'm getting a phone call once a month, that talks about processing papers. The suspicious thins about this caller is that they seem to contact people that I have talked to that day, even people that would have had nothing to do with a debt. The number that comes up on the caller id is XXXX, but I'm told to call XXXX.
Product: Debt collection

Hello, I sent LVNV a letter certified stating I needed a validation of the debt that they claimed I owed them. They claimed that I owed them money through the original creditor of XXXX  XXXX XXXX. LVNV funding has been reporting that the account in question is a open account. They have failed to provide me with a list of items that I requested they send back to me : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor Prove the statue of limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service Please help me resolve this matter as it hurting my credit score
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example XXXX  confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on XXXX, but on time with TransUnion. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.
Product: Vehicle loan or lease

I contacted a representative on XX/XX/XXXX to change my due date, requesting the first payment to be due on XX/XX/2023. The representative agreed to this change. However, on XX/XX/XXXX, I received notification of a derogatory mark on my credit report. I reported this incident multiple times to Ally and requested them to review the recorded conversation. They promised to get back to me but never did. I also disputed the derogatory mark with my credit bureau, but Ally refused to remove it. As a result, my credit scores plummeted from XXXX to XXXX. My husband and I have a long history of responsible financial behavior with no late payments for over 8 years, and this situation is severely impacting our finances, leaving me extremely frustrated.