23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX there were XXXX XXXX transactions that were unauthorized on my account totaling {$600.00}. Then early the next morning there were XXXX more XXXX transactions that were unauthorized on my account totaling {$400.00}. So a total of {$1000.00}. I did not receive a letter about my claim so I called Wells Fargo on the XXXX or XXXX of XXXX and they said my claim was denied. So I appealed it. I still did not receive a letter so I called back on the XXXX of XXXX with the new claim number that I received on the XXXX or XXXX and was denied again.So once again I appealed the decision. On XX/XX/XXXX I received a letter and the XXXX and XXXX XXXX XXXX office once again denied my claim stating the following : " We found compelling evidence supporting the decision that we have already communicated to you. There are certain indicators that we look for in the investigation to let us know that there has indeed been fraud on the account. During the investigation, we were not able to find any of those indicators present and denied the claim. '' So then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing that there was a data security incident that occurred approximately between XX/XX/XXXX and XX/XX/XXXX and that personal information including name, and one or more of the following, DOB, SSN, Passport, Drivers License, health information, and or health insurance information was compromised. So with this one information I went down to the bank and filed another claim with an actual banker and I was asked to write a letter outlining the entire timeline and I did and that letter along with the data breach letter I received sent it back in to Wells Fargo for review. I believe this was around the XXXX of XXXX. So I didn't hear anything so once again called the fraud department and they said they never received any thing. So I contacted the banker and she re faxed it. Well we are now sitting on the XXXX of XXXX and I still once again have not received a letter so I call and they tell me the claim was denied on XX/XX/XXXX. Since the Wells Fargo who I had been a good customer for for XXXX years is basically refusing to refund my money. I need help to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - It was reported that US Bank requested a copy of my credit report from XXXX, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of US Bank if I deemed this to be in error. 

The telephone # provided for US Bank was a recording regarding mortgages, after which the call disconnected me. 

I then called US Bank 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the US Bank agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact XXXX. 

XX/XX/2019 - I attempted to resolve this online with XXXX  however, was instructed to call the agency as the issue couldn't be taken care online. The XXXX agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact US Bank. 

I again called US Bank, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from US Bank ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/19 ... ... 

- Copy of my consumer report showing the inquiry - US Bank made the inquiry, UNAUTHORIZED, US Bank should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several US Bank agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which US Bank and XXXX have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, Equifax, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to XXXX XXXX XXXX ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " 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. '' Equifax and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous " certified letters '' to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for Equifax to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did Equifax, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting one account. NOW THERE ARE TWO!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. Thank you for your time in helping me get past the XXXX  robot on the other end of Equifax.
Product: Checking or savings account

I have an automated recurring bill pay payment set up for {$75.00} to be delivered by the XXXX of each month. It is sent by physical check. Payments have been completed without any issues from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX I got a notice that my check was returned and the payment was not complete for the payment sent on XX/XX/XXXX for payment on due on XX/XX/XXXX. I was instructed to contact the payee to determine why the check was returned. I contacted the payee who indicated that they did not receive the check. 

I contacted Chase private banking and asked for confirmation of the payment and for a copy of the returned check. Over 1-1/2 days, talking to 8 different people and visiting a branch, I still can not get a copy of the returned check. 
1. The 3rd person I talked to was Online Banking technical support and they described the return to check to me and told me they could not send me a copy. They could only send a copy to another Chase Bank employee. They instructed me to go to a Chase branch and request a copy of the check from them.

2. I went to the Chase Branch and they had no idea what I was talking about and they told me to contact online banking.

3. I spent 90 minutes at the branch and I talked to 3 people in the branch and 3 additional people in private banking and online banking technical support. No progress 4. The person in the branch finally told me that they could not provide me with a copy of the returned check and they simply offered me a print out of the exact information I already had via online banking. Simply a report indicating the check was sent and returned but NO copy of the returned check and NO evidence that the check was ever delivered. 
5. I was told to go home and it was unfortunate they I could not get a copy of the check. 
No additional assistance was offered to rectify the issue of non-payment to my payee. 

I provide 1 proof of payment with a check image for the previous month to prove that a check image CAN be provided. Then I provide a proof of payment with a missing check image for the check in question. I also provide an image of the email when the payee threatens me with late fees and interest charges.
Product: Debt collection

PRA ( Portfolio Recovery Associates ) sent me multiple collection letters to which I responded ( via certified mail ) and demanded verification of the alleged debt and they refused to respond to several letters all the while continuing their " collection '' efforts for a debt I don't owe. Then, they filed suit against me and they refuse to even respond to court motions. Approximately 2 months after they filed suit against me, PRA finally got back to me by " responding '' to my previous requests for debt validation with a couple of copies of credit card statements that were totally not correct and were nothing different than the haphazard stuff they filed in court. Additionally, they called me while I was in the bath at XXXX XXXX When I told the guy who called that I didnt think he could call before XXXX, he totally lost it and started yelling at me and said why dont I " learn how to tell time '' and I said I know exactly what time it is because my son was just picked up by the school bus and I was looking at my phone and it said XXXXXXXX XXXX  He then asked where I was and I said I am in the bathroom taking a bath and he called me an XXXX and said " no, what city ''. I said XXXX. Then he lost it on me and said something to the effect that I am too stupid to know that it is XXXX in XXXX Ohio . I told him that I lived in XXXX Missouri, not Ohio and he hung up instantly, didnt apologize or anything. They started sending collection letters early XXXX and filed suit in XX/XX/XXXX ( case is still pending ), didn't serve me with the suit until XXXX and they didn't respond to all of my letters regarding their debt collection until AFTER they filed suit and about a year after I first started sending letters disputing the supposed debt and demanding verification. When I finally received what they called verification, it was vague and incorrect at best.
Product: Credit reporting or other personal consumer reports

i have been identity theft and have alot of things on my checsytem report that i did not inquire about please remove these accounts and send me how you guys did the investigation to prove accounts are mine
Product: Debt collection

On XXXX/XXXX/XXXX I've contacted Eastern Standard Account via USPS mail tracking number being ( XXXX XXXX XXXX XXXX XXXX ) which was received XX/XX/2023 at XXXX ; XXXX XXXX. I'm requesting that they provide me notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).
Product: Mortgage

I have a new servicer. The servicer is trying to gouge me with extra charges to make a payment. The automated system does not work. They force me to use a system that charges. I do not want to set up automatic payments because I am living on the edge and can not guarantee payment every month at the same time. I have XXXX and this causes me to XXXX with automatic payments. I asked for the system that makes payments for free. They tell me only the automated system does that, but if it does not work, then I will have to pay, or set up automated payments. They are XXXX  me, and XXXX that they can charge what they want, and I will have to pay, because it is legal to do this. They give me no other option, even though I have XXXX and feel it is too stressful to have automated payments I can not guarantee. I am being gouged. Last month they took XXXX dollars from me. I feel it should be returned.
Product: Debt collection

Representative XXXX XXXX ( XXXX, XXXX ) began contacting me in early XXXX about an amount due to XXXX XXXX XXXX. He initially worded his communications to give the impression he worked for XXXX. As such I communicated with him the issue with the billing and offered resolutions. He kept pressing to pay an amount, any amount. 

Once he contacted me via email, it became clear he was with a debt collection service and was not working for XXXX or in a position to address the billing issues with our account. On XX/XX/XXXX I responded to his email in no uncertain terms that I do not feel I owe the debt and requested he stop communicating with me. 

XXXX XXXX did not respond to this message and proceeded to call me again twice on XX/XX/XXXX ( both went unanswered ) and email as well. I once again responded to the email and asked that he not contact me any further. That same day, I called XXXX XXXX back and, after many misleading and confusing statements from him, meant to get me to keep the debt claim open and/or pay amounts to him, I firmly disputed the debt owed and asked him to stop contacting me. 

As of now, I have successfully filed a dispute internally with XXXX to have the billing amounts corrected and they confirmed as much on XX/XX/XXXX. However, I am still receiving emails from XXXX XXXX, which, due to his lack of response to any of my responses, I believe are simply automated at this point.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of an inaccurate item on my credit report that has already been removed from my credit files at XXXX and XXXX but is still appearing on my Equifax credit report. This inconsistency is not only affecting my credit score but is also a violation of my rights under federal consumer protection laws. 

The account in question is : Account Name : XXXX XXXX  Account Number : XXXX Date of Removal from Other Credit Bureaus : year XXXX  Upon reviewing my credit reports, I discovered that while this item was removed from both XXXX and XXXX following a dispute, it still appears on my Equifax report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this statute, I have the right to dispute inaccurate or outdated information on my credit report, and the credit bureau must investigate and correct any errors within 30 days of receiving a dispute.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, information on my credit report must be accurate, complete, and up-to-date. The continued reporting of this item after it has been removed by other bureaus is a failure to meet this standard.

Given that this item has already been corrected by two of the three major credit bureaus, I respectfully request that Equifax investigate this matter and remove the outdated information from my credit file promptly. This item is harming my creditworthiness and is an obvious violation of my rights under the FCRA and FACTA.

Please confirm the following : The investigation of this item in accordance with FCRA Section 1681i.

The removal of the inaccurate information from my Equifax report.

A copy of my updated Equifax credit report reflecting this correction.

I expect this issue to be resolved within the 30-day period mandated by the FCRA. Failure to comply will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for the violation of my consumer rights. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction.
Product: Debt collection

I received a dunning letter from Central Portfolio trying to collect on a debt that I don't owe I've never heard of them. They have that they are trying to collect on behalf of XXXX XXXX in which I've never done business with. I've wrote them via mail telling them to contact me via mail to provide me with legal documentations showing I've done business with them or XXXX  in which I have not. They constantly call me and I repeatedly tell the to contact me via mail, they get rude and hang up or act like they can't hear me when I ask them to contact me via mail not phone or respond they will note I was uncooperative when they tried talking to me even though I keep telling them contact me via mail. This is not my debt, I have never done business with these people or any of its affiliates. I would like for them to stop contacting me or trying to collect on a fraudulent account as I have never heard of Central Portfolio nor have I done business with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit card or prepaid card

I called target customer service via the number on the back of the card on friday XX/XX/XXXX. 
I asked to speak to someone about the late payments that were reported to my credit in XXXX, XXXX, and XX/XX/2021. I also explained I am trying to buy a house and those XXXX late payments are stopping me from doing so. 
I explained the company I worked for made us take a cut in pay due to co-vid 19. I emailed the ceo to ask for forgiveness doing a time I was not working. 
I received a letter from target stating they are not able to remove it from my credit report out of good will.I