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

XX/XX/XXXX I got an email from Wells Fargo stating I added a " XXXX '' ( XXXX ) to my XXXX contacts. I go to call them on the number they gave in the email in case it is not me authorizing that action, and I receive a call from the same number. I answered, they asked if I was who I was, and told me they were on a recorded line saying that they had some transactions being made that didn't look like me. And confirmed they were not me. He asked me to confirm my phone number, which I did, then told me was going to place a hold on my account and put in a fraud case. The call ended then minutes later I got another email saying I sent {$980.00} to " XXXX '' and that the charge was under review. I called back immediately since most of my money was in my savings then moved to checking and taken out completely and sent to " XXXX. '' They told me they didn't see that someone placed a case for me and that they would place and freeze my account before it was verified. After that call, I got an email saying they froze my card and a notification on my bank mobile app that the contact information was all changed. I got kicked out of my bank mobile app and called Wells Fargo again. They told me the transaction was already made and that they needed to connect me to customer service to add my information again. After the expected waiting period, I called back and the bank told me I was the one who authorized the transaction and they closed the case. I asked to speak to a supervisor to re-open. The supervisor was very arrogant and kept insisting he couldn't give me information on my case and couldn't reopen my case. I then placed an XXXX complaint and never heard back after about XXXX and a half weeks. They denied my complaint and do not want to give me my money back, I have been a member with them since XXXX and Wells Fargo did not take the proper actions to avoid this fraudulent transaction and failed to return my money after I provided proof they sent me that I was getting hacked.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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 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 card or prepaid card

I had two different claims filed in the XXXX XXXX with bank of america prepaid card services. The initial claim or 1st claim that was filed in XXXX for the amount of {$210.00} was not submitted by the representative. Until XXXX of XXXX XXXX XXXX. Neither at the time of me following the claim or when The abandoned claim was finally submitted in XX/XX/XXXX. Have I been given provisional credit and Continues to remain in a pending status. The other claim which was supposedly resolved with an inclusive letter dated XX/XX/XXXX States the amount of the claim that was supposedly resolved for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX dollars at which I received exactly XXXX XXXX XXXX dollars. Upon contacting customer service and reaching out to hierarchy or hierarchy or supervision the back office supposedly was contacted and gave a date of the following Friday when the. Rest of the funds would be there which never occurred. Between this claim and the one that had been abandoned and finally filed in XXXX of XXXX. I have yet to receive any correspondence from the investigation team. I have not received the remaining funds from the claim that was over XXXX XXXX dollars. I never received any XXXX credit though hardship claims and missing credit claims were submitted as well as complaints by both customer service reps in supervisors. Police reports were filed as well as documents faxed over by myself and yet nothing has occurred except a non responsive investigating team that will not even consider Provisioning me after the claim submissions. Also a representative Notified me that the car had only been blocked but had not actually been canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cpaital one account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXX reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info. I am not familiar with.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit card

Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.
Product: Student loan

This case has been drawn out and my application has only been confirmed via electronic response. I have not been able to talk to anyone about my application Getting my loans into forbearance took a long time. My XXXX XXXX is lower due to my high loan balance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Late/Open Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to bring to your attention a matter of great concern. Upon reviewing my credit file, I have discovered several files that are not mine, indicating a potential compromise of my personal information. As you are likely aware, under section 605b of the FCRA, it is legally required that any account found to be opened due to identity theft be removed promptly. I have filed a dispute and provided the necessary FTC Report and the bank 's records, as required by law. While I appreciate your attention to this matter, I would like to request that you provide me with any documentation that you possess regarding these accounts. I understand that according to the FCRA, you are required to verify the accuracy of the information contained within my credit file, and I would like to ensure that all accounts listed are indeed true, accurate, correct, complete, and verifiable. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference Number XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX EQUIFAX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : 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 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 Should you determine that any of these disputed accounts are indeed mine, I would appreciate receiving copies of any documentation bearing my signature, as it would greatly assist in my understanding of the situation. In the event that you are unable to provide me with satisfactory documentation to support the accounts listed in my credit file, I will have no choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information. 

Delete this account from my credit report Immediately.
Product: Debt collection

Asset Recovery Solutions has been told to stop contacting me at my work place and has made additional attempts to contact me at work after they were informed orally by myself that my employer does not allow these type of calls at my work place and to stop calling my work immediately and at any time in the future. 

I was initially contacted at my place of work where they left a message for me with colleagues on XX/XX/XXXX. I returned the call and informed them to stop contacting me at my place of work immediately. I informed them to stop contacting me on XX/XX/XXXX @ XXXX XXXX. Additionally, I informed the that I believe the debt that they were collecting on was outside of the statue of limitations. 

Asset Recovery Solutions called me again at my place of work on XX/XX/XXXX and once again left a message with my colleague, which is in legal violation since they have been notified that my employer does not want these type of calls. The individual that called was named XXXX XXXX ( XXXX extension XXXX ). 

This company is in legal violation of calling me at my place of work after I have already informed them that they are not allowed to contact me at work because my employer does not want these type of calls at my office ( informed on XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not properly investigated. The bureaus are not providing valid investigation procedures that was taken to verify the accounts. I continually try to resolve this issue with bureaus but receive limited response and now valid proof who they spoke to verify these accounts reporting.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX, XXXX, I XXXX I XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX  XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Checking or savings account

Acct XXXX Claim XXXX Correct amount {$3200.00} Date XX/XX/XXXX XXXX XXXX XXXX  XXXX insurance been taking money out of my account.i don't know how many times I have to complaint about this situation and nothing been done about chime close my account find .but what about the money that's been taking out my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining against XXXX credit bureaus regarding the alleged account with Monroe & Main. This bureau and Monroe Main have repeatedly ignored my request for debt validation and proof of this alleged debt with Monroe & Main. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified information.
Product: Mortgage

Our mortgage company is Planet Home. We had a fair amount of hail damage to our house in XXXX XXXX. This is now XXXX and we 're still trying to get Planet Home to endorse the insurance checks so we can pay our contractors. 

Every time we call, they want something else. In the beginning, they said they would have an inspector come out after each part of the repair was done -- roofing, gutters, siding, inside painting ( ceiling ) - at our cost. What? THEY want the inspection -- they should be paying for it. But of course, we have no choice. However, they said if we hired a general contractor, they would only inspect once. We did. Everything except the painting of the ceiling has been done for two weeks now. It will be done when we 're out of town later this month. The inspector came out. He said he has never heard of a mortgage company asking for any more than 90 % done, and we are over that, so we were expecting an endorsed check. We 've called and called, leaving messages for the genius who 's been 'our ' representative. Finally today she responded. Since the work is n't 98 % -- 98 %, mind you, done, they wo n't release the check. It is unconscionable to us that they expect our contractor to pay his subs -- or worse, for us to front the money - while Planet Home XXXX around holding our insurance check because the work is n't 98 % done. Additionally, now they want to ding us for another inspection when it 's finished. This is just the short story of what we have been through with this company. Every call was another adventure in the asylum. 

These people are so far out of industry standards, it 's scary. They get poor reviews on the BBB site and other blogs I 've found. We 're going to refinance as soon as this mess is over, but I want to know if there are federal rules that govern this sort of stuff, i.e. what can the mortgage company withhold and for how long, can they charge for inspections they require, etc.
Product: Debt collection

I have been receiving phone calls on both my home phone and cell phone. I blocked the number from both, but they are still able to leave a voicemail on my cell phone. They are stating they need to know my whereabouts so they can serve me papers. They also claim I have XXXX hours to respond before they submit it to the court. It is the same XXXX second message everyday. It is clearly a robo call, and they claim they are calling from High Points Assets. The person never identifies himself. I did call them back well over a week ago. I asked the lady on the phone, " XXXX '' why was I not mailed a debt validation letter. She said she would submit it by email. I said that does not validate the debt. I then asked her what her physical address was, she said they only have a XXXX. XXXX, and they are in XXXX New York . I knew then they were definitely a scam. Since I contacted them, they have called every morning between XXXX & XXXX pacific time. I am tired of these scammers thinking they can bully people into paying a debt they do not owe. I get these calls constantly, and I want them to stop. The number that they continue to contact me with is XXXX.