23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am being harassed by this company with XXXX daily phone calls attempting to collect a debt that is only XXXX XXXX late. They have called at least XXXX times in the last XXXX XXXX and are calling from different spoofed numbers. Its harassment and, from what I understand, illegal. 

I did not even apply for a loan with the predatory company ; my other loan servicer sold the debt. I will file a complaint every time I receive a call, and if the calls continue, I will seek legal damages.
Product: Credit card

Last XXXX I received promotional checks with 0 % interest rate till XX/XX/year> with a one-time 4 % transaction fee. I used it. Later I found the credit card still charged me some interest. I called the credit card which is issued by 5/3 bank. I was told that the 4 % transfer fee is not at 0 % rate. I looked through the mailer with which the promotional check was sent and there is nowhere stating that the I have to pay an interest for the transfer fee. 

I got similar offer from other credit card. They did not charge any interest for the transaction fee.
Product: Mortgage

repeated request to remove pMI from my mortgage payment. 
keep delaying the process. 
Finally receive the letter, dated XX/XX/2020, from pennymac stating that PMI has been removed on XX/XX/2020. However, the online payment page on PennyMac website is not updated, dated XX/XX/2020, and my mortgage payment for XXXX is due. I do not want to pay the penalty or the PMI which Pennymac stated has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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

Subject : Complaint Regarding Lack of Response and Non-Compliance with FCRA by Equifax For reference, the XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX number XXXX XXXX 

I am filing a formal complaint regarding XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) and its lack of response to my dispute concerning inaccurate reporting of a bankruptcy on my credit file. Despite my repeated attempts to address this issue directly with Equifax, they have failed to respond or provide any resolution. 

On XX/XX/year>, I submitted a dispute to Equifax, requesting clarification and validation of the bankruptcy information reported on my credit file. Despite allowing sufficient time for a response, Equifax has failed to acknowledge or address my concerns. 

Steps Taken to Resolve the Issue : Contact with the XXXXXXXX XXXX  XXXX XXXX XXXX I reached XXXX to the XXXXXXXX XXXX XXXX  XXXX XXXX which XXXX XXXX XXXX XXXX not report any information to credit bureaus. 
Review of PACER Records : I reviewed my PACER records and found inaccuracies related to the reported XXXX. 
XXXX with XXXX : XXXX confirmed that they did not validate any information from the courts and subsequently deleted the disputed item from their records. 
Despite these findings, Equifax continues to report this XXXX  without providing any validation or documentation to support its inclusion on my credit file. 

Violations of the Fair Credit Reporting Act : Equifaxs lack of response and failure to validate the disputed item is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to : XXXX a reinvestigation of disputed information, Provide a response to the consumer within the required timeframe, and Remove unverifiable or inaccurate information from the consumers credit file. 
XXXX inaction and failure to respond to my dispute demonstrate a lack of compliance with these legal obligations. 

Complaint Request : I respectfully request that the CFPB investigate the following : Why Equifax failed to respond to my dispute regarding the bankruptcy information on my credit file. 
How Equifax verified the accuracy of this information. 
Whether Equifax can provide documentation identifying the company or entity responsible for certifying the accuracy of this information. 

Thank you for your prompt attention to this matter. I trust the CFPB will address this issue to ensure compliance with federal regulations and protect consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see credit inquiries from unknown sources I reported this a while back and its been going on years I have been in military confinement therefore I had no knowledge of my credit use. XX/XX/23
Product: Credit card or prepaid card

On XX/XX/XXXX2017 I walked into an HSBC branch to change my last name to my married name. The banker assisting me, XXXX XXXX, attempted to upsell me on various HSBC products including a Savings Account, a Credit Card and Overdraft Protection. I agreed to change my account from Advance to Premier and open the Savings Account but declined the Credit Card and Overdraft Protection. He then sent me to a link to a website to open on my phone to digitally sign. On my phone 's screen it was nearly impossible to make out what I was agreeing to. Verbally, he assured me we were just opening the Savings Account. To my surprise, I opened my account the next day to see that a credit card was opened in my name. I called XXXX XXXX who assured me it was a soft pull on my credit report. When I did some more investigation, I discovered it was in fact a hard pull and when I called him back he denied ever saying opening a credit card would be a soft pull, let alone that he deceived me into signing up for a credit card I never agreed to. I attempted to resolve the issue through the bank but XXXX XXXX 's manager attempted to sell us on the benefits of the card and then a few days later, the bank performed a perfunctory investigation where they printed out the pages I digitally signed without acknowledging that XXXX XXXX had convinced me I was signing up for a Savings Account and not a credit card.
Product: Credit reporting or other personal consumer reports

I require AMEX to answer and provide me with the documentation to the following questions : What was the Max the application was run for?

How did the all caps name get from the account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card?

Provide the original instrument on the underlying obligation. Unless it's normal business practice for AMEX to restrict trade and performance.

Who is the original creditor? If AMEX is not the original creditor, then I require AMEXs mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate.

Provide the ( GAAP ) generally accepted accounting principles for this account.

Provide a certified copy of the Ssa-89 form prior to the initiation of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX  ACCOUNT OPENED XX/XX/2015 {$11000.00}
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX PORTFOLIO- I and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts.
Product: Mortgage

My home was impacted by hurricane XXXX.I called Wells Fargo and made arrangements for my next payment to be the XX/XX/XXXX billing statement.I received notification that this arrangement was made via email...I just received an email below stating I missed my XX/XX/XXXX paymentI called three different departments at Wells - probably on hold a total of 75 minutes - spoke with a customer service agent who couldnt help with anything for about 3 minutes verifying information...Not a single person I spoke to could confirm the arrangement - move my payment to XXXX and waive a late fee.
Product: Debt collection

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 15USC 1681.

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Citizen and or XXXX XXXX has reported adversely an account on my credit report that I have never had. On one credit reporting agency it is reported as a student loan and another as an installment loan. Both accounts have the same alleged account number credit limit and balance. Verification has been numerous times. I have requested an investigation and validation of the credit reporting agencies as well. I have requested a 1099 OID with no response so that I may verify information with the IRS. No response has been received to validate the alleged accounts. I have only received noncertified copies of statements that could be from previous accounts. 
These actions have gross disregard for my rights and are blatant violations of FCRA.
Product: Credit card or prepaid card

I was approved for unemployment back in XXXX with a claim start date of XX/XX/XXXX. And up until XXXX everything was fine. Then my card was frozen I contacted XXXX to find out I needed to verify my idendity. On XX/XX/XXXX over the phone rep uploaded the link to my profile and I submitted my California I'd and birth certificate. They told me initially that on XXXX everything would be cleared once identity was verified. XXXX I was told it would be 4-6 weeks. On XX/XX/XXXX I spoke to a lady who did idk what with my uploaded documents and had me re upload them asking for review of my case. On XX/XX/XXXX the documents I submitted on XX/XX/XXXX were denied and I was told to wait 4'6 more weeks. Then I was told that I had been disqualified and I had to appeal by this point I had managed to get verified through idme and still I couldnt get verified though XXXX even though that's how new claims are verified? I mailed copies of the same documents I uploaded and were rejected by XXXX to the I'd verification address in XXXX XXXX and XXXX appeal. On XXXX appeal was recieved by XXXX but the appeals office told me they still haven't received the file. I asked them if I could just make an appointment with the judge so they could verify my identity and was told I have to wait 4-6 more weeks. On XX/XX/XXXX my appeal was overturned and XXXX switched me over to checks but the balance on my debit card is still frozen by bank of america who claims they can not touch it and just refers me back to edd but bank of america has sent me 2 confirmation emails stating my account had been updated I dont know what else to do
Product: Debt collection

In XX/XX/2021, my wife and I were given a move out balance owed by XXXX XXXX XXXX XXXX XXXX. We paid the balance, moved out, and were never notified of owing any additional amount. 6 months later, we were contacted by Fair Collections & Outsourcing claiming we owed {$100.00} and this amount was instantly reported negatively on our credit reports without us having a chance to pay or dispute. The debt was never verified or explained what it was even for, but we were deceived into paying it as a settlement under the belief that this would result in it being deleted/removed from our credit report due to misleading statements by Fair Collections & Outsourcing. We have attempted to dispute it multiple times, but only XXXX has given us a fair dispute and removed it from our credit reports, XXXX and XXXX just believe whatever Fair Collections & Outsourcing tells them even though there is no proof for them to have allegedly verified. Fair Collections & Outsourcing has ignored the issue and any communication as they continue to pillage erroneous collections illegally.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting.

I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau.

The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting inaccurate information on my credit report. XXXX is inaccurate, I never had an account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX XXXX Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX XXXX Fail to Rebut the Affidavit Sent in Complaint Filed XXXX Failure to rebut an Affidavit after 30 days is deemed forfeited and the Affidavit now Stands as Fact Per Rule 56 Summary Judgement. 

Per 15 USC 1692g XXXX, XXXX, and Transunion are hosting false information on my consumer report. This has caused great financial hardship and has caused me to lose many valuable opportunities and so much time with family and friends. 

I have been gravely injured and I request a settlement in the form of a check paid to XXXX XXXX and for the items listed in the Affidavit as negative by request of 15 USC 1692g to be DELETED off my Consumer Report, For I did not consent to authorize nor benefit from the listed accounts.
Product: Credit card or prepaid card

In XXXX of XXXX, my card number was stolen and many instances of fraud were captured. Bank of America 's system alerted my phone to the transactions and I responded saying none of them were mine and to cancel them. 

A few transactions on XX/XX/XXXX were not refunded including {$240.00} at XXXX XXXX and {$74.00} at XXXX. I called Bank of America to dispute these and they filed a claim. Unfortunately, the attendant at the call center misheard me and also included a charge from XXXX XXXX XXXX at XXXX for {$7.00} which is a transaction I made and told them. They denied my claim saying that I made the purchases. I called to appeal and told them to remove the XXXX XXXX XXXX purchase but that the XXXX XXXX and XXXX purchases were not mine. 

Later, I went in to a Bank of America branch in XXXX XXXX to follow up and a XXXX there helped me appeal again but now it just says online that is has been " researched '' for the last 5 months and for some reason the Marshalls charge was dropped so they only think they owe me the {$240.00} from XXXX. I am still looking to be reimbursed for the XXXX and XXXX fraud which would be a total of {$310.00}.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

Subject : Complaint Regarding XXXX XXXX Handling of a Dispute for Non-Delivered Item Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX concerning a dispute I filed for an item I never received. The item in question " XXXX '' was scheduled for delivery to my home on XXXX XXXX. However, I did not receive the package. After realizing the item had not been delivered, I contacted the company multiple times via email to resolve the issue, but I received no response. 

As a result, I submitted a formal dispute with XXXXXXXX XXXX, explaining the situation. To my dismay, two weeks later, XXXX denied my dispute, citing the tracking information, which indicated that the package had been delivered. When I called XXXX to discuss the matter further, I was informed that even if the item had been stolen from my property, they are not responsible for items that go missing after being marked as delivered. 

I find this response unacceptable. I should not be held responsible for an item I never received, whether due to theft or any other reason beyond my control. XXXX refusal to assist, despite my efforts to address the issue with the seller and provide all necessary details, leaves me without any resolution or compensation. 

I kindly request that the XXXX XXXX XXXX  assist me in addressing this issue and helping me hold XXXX accountable for not protecting their customer from a loss. I am seeking a fair resolution where I am not held responsible for a product I never received. 

Thank you for your assistance in this matter.
Product: Credit card

Complaint Regarding Unreasonable Conduct by Wells Fargo Bank Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their rude and unjust cancellation of my payment options for my XXXX XXXX XXXX account, citing malicious competition. 

Previously, Wells Fargo terminated the linking of my account with XXXX XXXX, claiming insufficient funds due to a single " failed '' payment. However, I have provided evidence demonstrating that I had ample funds to cover that transaction. 

Subsequently, the payment option for XXXX XXXX disappeared from my account. Despite numerous attempts to reestablish the payment link through contacting the bank, I have been unsuccessful. Today, during another attempt to resolve the issue, I was once again met with unprofessional and inadequate service, leaving the matter unresolved. 

It appears that this action by Wells Fargo may be either a malicious retaliation against my previous complaint or an attempt to undermine the operations of other banks through unfair competition. 

I kindly request the appropriate authorities to investigate and oversee this matter. 

Thank you.
Product: Mortgage

Wells Fargo put my account in forbearance when I didn't request it. After talking to multiple individuals on the phone I was told that if you click the " more info '' button on the site that you will be automatically enrolled without asking. This is fundamentally wrong. There are multiple news articles out now about the same thing. Someone needs to stop this!