23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX my Wells Fargo credit card transferred, via a cash advance, {$1500.00} to my checking account which is also with Wells Fargo. I contacted the bank on XX/XX/XXXX to ask what had happened. I was told there was a glitch and that it would fix itself. I called again on XX/XX/XXXX to ask why nothing had happened yet. I was told to please give it time and it would fix itself. I contacted them months later to ask why hasn't this been fixed? I was told a claim needed to be opened now. I received a letter in XXXX with the findings of my claim, please see attached ( Wells Fargo Decision Letter # XXXX ). The letter explained that I had received a credit of {$230.00} on XX/XX/XXXXXXXX  and that the matter was now closed. The letter also said if I wanted at anytime I could pay down the balance of my credit card myself. I then called Wells Fargo and spoke to XXXX, who after having me explain what my problem was and her seeming to understand, opened a new claim. After a few weeks I got a call from a person named XXXX. XXXX explained to me that the first letter XXXX sent out had resolved the issue and that the matter was closed. I tried to explain to him that she opened a new claim. But all he kept saying was things about her first letter. As I saw this was going nowhere with him, I then asked to speak to someone above him. He told me it would take a few days for them to get back to me. I said fine and the conversation ended. A few days later I had a conversation with a woman ( I don't recall her name ) who confirmed she was XXXX  and XXXX 's supervisor/manager. She then proceeded to almost word for word to tell me what XXXX had said a few days earlier. I explained the details of my claim to her and she said she would have XXXX look into the matter again and that I'd be contacted with the outcome. Another letter came a few day later, please see attached ( Wells Fargo XXXX XXXX XXXX XXXX ). The second letter said the exact same thing the first letter did except they added in that the overdraft protection feature was turned off the day after all this had started and that on XX/XX/XXXX there was not enough funds in my account to reverse the cash advance transaction. 

I am including redacted copies of my Wells Fargo bank statement from XX/XX/XXXXXXXX  ( XXXX  XXXX XXXX XXXX XXXX XXXX  ) and my bank statement from XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). On both dates my account balance was more than sufficient to reverse the cash advance. In the Wells Fargo Decision Letter # 2 Wells Fargo says that " they were able to confirm that no funds were available to automatically reserve the advance amount transferred from the linked Credit account to the Checking ''. As my bank statement shows this is not correct or accurate. 

In both letters it is clearly the position of Wells Fargo that I need to be the one to fix the issue by " reducing the balance of the overdraft advance by making a payment ... ''. 

In conclusion, it is my opinion that Wells Fargo does not want to fix the problem because nowhere have they ever addressed the interest or fees they have made off me for a glitch their company is responsible for.
Product: Credit reporting

I have disputed the XXXX bankrupty in all credit report the bankrupty are 10 plus years old Chapter XXXX and Chapter XXXX
Product: Mortgage

To whom it may concern, My mortgage payment in XXXX was about {$1500.00} per month. XXXX it was dropped to {$1400.00}, but starting in XX/XX/XXXX my mortgage will be $ 1,627.The mortgage company failed to inform me of 2 times the property tax increase. XXXX XXXX of XXXX XXXX only assessed my property {$4000.00} more in XX/XX/XXXX. Now that they underestimated the monthly amount to put into escrow to cover taxes and insurance, they say that it is not there fault and I should pay for their mistake. In addi they still take the same {$330.00} a month for escrow taxes and insurance to this day knowing this will still put me in the negative next year. This big corporation with all these accountants didn't realize that this would be an issue? Please inform them that I should not be responsible for their mistakes. 

RegardsXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a charge off listed on my credit report, account number XXXX, which inaccurately reflects an unpaid debt. The erroneous nature of this entry stems from the fact that I never received a Form XXXX related to this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Pursuant to this right, I request a thorough investigation into the validity of the charge off in question. 

The debt in question allegedly arose from [ Brief Description of Debt, e.g., a credit card, loan, etc. ], with the creditor being XXXX XXXX. Despite diligent efforts to maintain communication regarding my financial obligations, I did not receive any correspondence or notifications regarding the issuance of a Form XXXX from the creditor or any affiliated entities. 

It is imperative to highlight that the non-receipt of the XXXX XXXX hindered my ability to appropriately address any tax implications associated with the discharged debt. Furthermore, it is crucial to emphasize that the absence of this crucial documentation casts doubt on the accuracy and legality of the charge off reported on my credit profile. 

In light of the above, I kindly request the following actions : Verification of the accuracy of the charge off and the associated debt. 
Confirmation of whether a Form XXXX was issued for the debt in question. 
Removal of the charge off from my credit report if it is found to be inaccurate or incomplete. 

I understand that you have 30 days to investigate this matter, as per the FCRA. Therefore, I anticipate a prompt response within this timeframe. 

Please find enclosed copies of relevant documentation supporting my claim, including proof of my attempts to communicate with the creditor regarding this matter. 

Thank you for your attention to this matter. I look forward to the resolution of this dispute and the accurate representation of my credit profile. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

There was five ( 5 ) withdrawal transactions on XX/XX/XXXX " out of my account by XXXX '' which I did not authorized. I NEVER use XXXX, I don't know anything about XXXX. I reported it to Bank of America ( BoA ) Fraud department immediately on XX/XX/XXXX. Below are the transactions XX/XX/XXXX XXXX XXXX withdrawal {$150.00} XX/XX/XXXX XXXX XXXX withdrawal {$310.00} XX/XX/XXXX XXXX XXXX withdrawal {$310.00} XX/XX/XXXX XXXX XXXX withdrawal {$330.00} XX/XX/XXXX XXXX XXXX withdrawal {$620.00} The Total amount withdrawn by XXXX is {$1700.00}. 

I wrote a letter and an e-mail to XXXX XXXX, Retail Client President XXXX BoA respoded with a letter after their investigation and said they can not reimburse me for this FRAUD transaction and they closed the case. 
The case # is XXXX XXXX. 

Please keep in mind that I have NEVER authorized these transactions nor did I ever received any TEXT messages to authorized this. I never use XXXX for any money transfer withdrawal and I have been a customer with BoA for 18 years. 
Please help me recover my money from this FRAUD that occurred on my account by BoA/XXXX. 

Thank you very much, Kind Regards, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have sold cryptocurrency on binance exchange, then when i have received my money ( direct payment on my PayPal account ) next day buyer made charge back of money with reason " unauthorized transaction '' ( no money, no cryptocurrency ), support of PayPal not helped me, support of XXXX not respond, i don't know what to do and if i can't receive my money at least punish person that made this with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested verification from XXXX for an account. They verified the account there is inaccurate information on my report. 

XXXX XXXX  Date of Last Reported Update has now been changed to XX/XX/2022 due to the XXXX XXXX # : XXXX is incorrect The Date XXXX XXXX XXXX XXXX  is incorrect Date of Last Payment is incorrect Date Closed is incorrect I would like this account to be taken off my credit file. I do not believe the verification was completed and wrong information is still being reported. 

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response of my complaint # XXXX ( attached ). Equifax Information Services LLC states that the identification information I provided does not match their records. 
Not only do I believe this to be a stall tactic on your part to grant you an additional time to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

My identification information was attached with all the documents summited in the previous complaint. How can you keep lying? 

Your computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court. 

There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. 
I have complete and thorough records of your violations and I am prepared to protect myself and my rights The identification I submitted is sufficient according to your guidelines ( Social security Card and Utility bill with my current address ) and I demand that you examine the enclosed documents more carefully this time.
Product: Credit card

on XX/XX/24 i purchased a XXXX credit card at a XXXX XXXX store. I put {$100.00} cash on the card. when i went to use it, it kept saying there was a problem with the card. i contacted the customer service number and they told me there was a security issue. they refused to give me the address of the company or refund the money that was on the card. The people I spoke with had a heavy accent and wanted personal information from me.
Product: Mortgage

The mortgage company had the date of XX/XX/19 to close with a commitment to finance date of XX/XX/19. Because it only submitted the commitment on XX/XX/19, the closing date was extended to XX/XX/19. However, the closing did not take place! No reason given, except that they are not ready. On XX/XX/19, the seller relisted the property. I informed the mortgage company and was told that it did not mean anything and that they would close soon. On XX/XX/19, when I realized that the company could not come up with anything concrete, I informed them via email that if by XX/XX/19, they did not at least give me a concrete date to close, it would mean that they can not and will not close and it would be time for me to move on. That same day of XX/XX/19, at about XXXX XXXX, the loan processor responded by email stating that she has sent all my documents to underwriting for clearance ... Again, XX/XX/19 came ... and I heard nothing from them! The seller wants me to sign a release canceling the contract and forfeiting my {$3000.00}. EMD. Having heard nothing from the mortgage company in terms of the underwriters ' decision, on XX/XX/19, I printed out the email where the loan processor informed me that my documents were sent to underwriting and attached it to an email to that loan processor demanding a written response from underwriting without delay. I got no response. On XX/XX/19, I informed the loan processor via email that a complaint would be filed against her with this agency on XX/XX/19 unless she responded and the email would be used as reference. A few minutes later, she responded, but only to tell me " to forward that email to the branch manager ... '', to which I responded by advising her that it was her duty to do so, even if she no longer worked there. I also told her that my deadline of XX/XX/19,,, still stood! To this very minute, I got no response!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. XXXXDEPT OF ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am looking for a claim form on line, I believe Citi bank overcharged me, as stated below, please email clm form, thanks! 


Citibank violated the law when they tried to collect overdue payments from some consumers with cards issued by Citibanks subsidiary, XXXX XXXX XXXX XXXX ( XXXX ). During collection calls, Citibank sometimes charged an expedited payment fee of {$14.00} without telling the consumer it was charging the fee or misrepresented the purpose of the fee. Nearly 1.8 million consumers who paid an expedited payment fee since XX/XX/2009 when their XXXX credit card account was delinquent will receive all expedited payment fees paid during that time.
Product: Debt collection

My son hurt his knee. There was a {$60.00} deductible that did not get paid. The doctor sent me to collections saying I owed {$200.00}. I was then sued for {$300.00} and could not afford to contest. They got default judgement. I am in the process of being garnished for over {$1100.00}. How can I owed 18 times the original debt? it is unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Student loan

My SoFi private student loans should also be discharged due to school misconduct, XXXX XXXX. I ended up having to hire a lawyer and settled with monthly payments of $ XXXX for 15 years, totaling {$83000.00}.
Product: Mortgage

It is my belief Rocket Mortgage are overcharging borrowers interest and publishing incorrect information in monthly customer statements. 

Should a borrowers payment be less than the full monthly amount due, Rocket places that money into its Unapplied Account. Money in this account does not reduce the mortgage principal allowing Rocket to continue charging interest on money which it holds in its own account.

The figures and footnotes on Billing Statements are deliberately incorrect and misleading. In the Monthly Payment section, the value for Partial Payment ( XXXX ) : is positive. However, the Subtotal below, uses it as a negative amount. Despite my requests, Rocket have declined to correct this, leading me to believe its an intentional error used to Rockets advantage. 

The footnote avoids mentioning partial payments continue to be charged interest.
Product: Credit card or prepaid card

I have attempted to make credit card payments on the due date ( s ), in this particular case, XX/XX/2022. Each time a payment is made on the due date AND before the cut-off time, a system error occurs... I then immediately notify Capital One Credit Card Svc of the issue, the payment shows it was processed and received on the due date but doesn't post to my account until the next business day, causing a late day/late payment fee. Capital One has waived the late fees, but it still shows as LATE PAYMENT on my credit report. This needs to be corrected, as I have asked Capital One, but no update/correction to my credit report has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was charging me for a service I dont ever recall signing up for. 
The charges were made from XX/XX/XXXX to XX/XX/XXXX. There is a charge of {$19.00} every single month. 

I do not remember even giving my consent to charge my account. I just realized I have been getting charged every month.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, these incorrect name and addresses remain listed : These incorrect name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX WY XXXX XXXX, CA XXXX, XXXX XXXX PL XXXX XXXX, CA XXXX, XXXX XXXX WY XXXX XXXX, CA XXXX, XXXX XXXX PL XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

My Daughter came in this summer she got in my mail and opened XXXX credit cards in my name on my phone. I have received XXXX bills I have no idea where they came from but she has done this to my XXXX XXXX XXXX Mother before so I know this is what happened. She is XXXX  I am raising her XXXX XXXX XXXX son the other XXXX boys are with some of my family. She has no address no number I couldnt begin to find her. 
Thank You Kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered