23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to appeal Wells Fargo 's denial of my refund request for a XXXX transfer of {$1600.00}, which was made under fraudulent and coercive circumstances. On XX/XX/year>, I was coerced by an individual who falsely accused me of causing damage to his vehicle. Under duress and threats, I made three separate XXXX payments totaling {$1600.00}. Case # XXXX, XXXX and XXXX. ' A subsequent police review of my vehicles dash camera confirmed that the individual 's allegations were entirely false. It was also discovered that this suspect has a history of committing similar fraudulent acts. The police report indicated that he committed a crime under California Penal Code Section 532 PC/F/112 : theft by false pretense. 

I promptly reported this incident to Wells Fargo 's fraud department and the police within 24 hours. A Wells Fargo representative informed me that an investigator would contact me for further investigation. However, when I followed up with Wells Fargo on XX/XX/XXXX, I was advised that my case had been closed and my claim denied on the same day it was reported, XX/XX/XXXX. 

According to 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ), banks are obligated to investigate claims of fraudulent electronic fund transfers and provide remedies. Additionally, per Regulation E, Electronic Fund Transfers Error Resolution sections 3, 4, and 5, and Comment 1005.2 ( m ) -3, it defines electronic transfers ( including XXXX XXXX made through fraud as unauthorized. Even if the consumer is deceived into making the transfer, Regulation E categorizes these transactions as unauthorized because the payment was not made willingly. Furthermore, the law guarantees the consumers right to seek remedies and recover their funds without being restricted by XXXX or bank agreements. 

Therefore, the XXXX transfer I made on XX/XX/year>, should be treated as unauthorized due to the fraudulent circumstances, entitling me to a refund. I respectfully request that Wells Fargo reexamine my case and proceed with a refund of {$1600.00} in accordance with Regulation E. 

Please let me know if any additional documentation or information is required to facilitate this complaint. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( Experian and XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. The information listed in my Identity Theft Report, which appears in my Identity Theft Report does not relate to any transaction ( XXXX ) I have made. It is the result of Identity Theft. 
Please PERMANENTLY BLOCK this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet with my identification and social security card and someone opened accounts for school in my name getting student loans as well as trying to get auto loans now it is impacting my credit score tremendously I have tried disputing the charges with no resolution
Product: Mortgage

I have sent multiple loss mitigation paperwork in to ditech with no response from then. On XX/XX/2019 they finely responded telling me that I won't be able to eligible for loss mitigation until XXXX. So my point of contact for direct postponed the sale. She stated that they have all the paperwork that is need and the application is complete I got a letter. Well now I'm being told by Customer Service that loss mitigation opportunity is not an option for me to get and I have to pay {$13000.00} to save my home. But I get different story from each person I talk to every time I call. I just want to save my home and get the payments lower to {$1200.00} so I can afford to pay for the mortgage. Ditech forced this foreclosure on me by not allowing me to make payments to them when I was 21/2 months behind do the loss of job and loss of house income from my mom who moved out on me. Please help me with this dealing with ditech is a nightmare without any useful information and not one answer on how to reasonable come to a Resolution. 
.
Product: Debt collection

I received a letter from a XXXX XXXX claiming to represent Metro Collection Service, Inc. It is claiming that I owe a debt to an apartment complex I have n't lived in for four ( 4 ) years. I received this same letter 6 months after I moved out that apartment complex and disputed it then. I never heard anything after the dispute. I have never once heard from the management company claiming I owe a debt. I have also called the apartment complex, now under new management, and they seemed confused as to why I would be receiving this so many years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed in my attachment, in my personal dispute below which still appears on my credit report, even after the credit bureaus Investigation. I would like these items immediately re-investigated. I would Like the credit bureau to actually investigate my claims and delete all accounts I have listed in dispute for they all have errors affecting my report. If accounts are verified, please send me proof of verification, as to who you spoke with, company name and address. These inaccuracies are highly injurious to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2018, I was in the middle of a two week stay on the island of XXXX XXXX XXXX in XXXX, during which I did not leave the island. That day, someone without my knowledge or permission somehow withdrew {$400.00} using my pin from an ATM over 30 miles away in the mainland town of XXXX. After reviewing my transactions, I noticed the amount missing and made a police report with local authorities after leaving the island. When I returned to the US, I  notified Bank of America as I could not reach them while overseas. 

BOA sent me a letter in XX/XX/XXXX denying my claim. When I called them, they said I needed to submit additional proof in the form of a police report in order to approve the claim. I provided the documentation provided to me by the local XXXX police. Once again, I was sent a letter denying my claim. This time when I called, they said the documentation still not good enough, and now needed proof that I was not in the vicinity where the withdrawal was made. I provided the XXXX receipt of my stay on XXXX XXXX XXXX, which they told me would be adequate. I again was sent a letter denying my claim. This time when I called, they said that because I was staying in the same country where the withdrawal was made, they would not approve the claim. Exasperated by this point, I told them that my next stop was the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX SSN # XXXX. Identity fraud : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The false accounts consist of a credit card at XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. XXXX fXXXX XXXX accounts both in XX/XX/XXXX.
Product: Checking or savings account

Wells Fargo Monthly Fees. 

During a routine banking visit, it was recommended to me to open an additional checking account for security. To use for internet purchases so as not to disclose my main checking account. As there was no fees involved I took up the offer. 

I was recently charged {$25.00} as my account balance of my two accounts dropped below {$20000.00}. I've had the account open a number of years and generally keep a healthy balance so I've never incurred any fee. As I've started using another bank with a better savings rate for the first time my balance fell below $ XXXX. 

My complaints are these : 1. I was sold the original account by Wells Fargo on the basis this was a security measure. I didn't really want the account in the first place 2. At no point has it been explained to me that there was a requirement to maintain a balance over $ XXXX. I would not have signed up to account with this requirement, and if I did it was buried in the small print where I wouldn't have seen it. 

It's completely unethical banking practices. I am going through the complaint process with Wells Fargo. I'm sure they will refund me the {$25.00}, but I think it's important other consumers are informed/protected about these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Student loan

I have a XXXX dollar student loan debt that Im unable to pay right now and they left a error on my credit report on missed payments from XX/XX/2011 that was defferred cause I was unable to pay. I will like this issue to be resolved by gettting a better repayment plan without being charged interest and also fixing and taking out the XXXX missed payments from the XXXX credit beaureas from XX/XX/2011.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear XXXX and Equifax While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
Product: Prepaid card

I am part of the XXXX data breach. I received a {$40.00} gift card in 2023 that I had to claim at myprepaidcardcenter.com. I claimed the card and tried to use it at XXXX but could not. I contacted myprepaidcardcenter and asked them to reset the card 's password so that I could log in. They refused and now block any attempt to send password resets or log into the account. They are demanding I give them my government ID. I refuse to give these people my ID for a prepaid gift card that I received from the administrator. I just received a second payment of {$14.00} and just tried to login using the code and I can't because they have my IP blocked. I can not get a password reset, I can not get a retrieval link. I can not reset my password. So, they basically have over {$50.00} of my money that I can not access and they won't assist with a password reset and because they've blocked my account anytime I try to reset my password again by entering the credentials I have for the account I can't even do that. Either help me reset my password or unlock my account so that I can reset the password myself. This has been going on for over a year. I need assistance.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account 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 card or prepaid card

Approximately around XX/XX/XXXX I opened a credit card with XXXX XXXX through XXXX as part of a partnership they had with their memberships. There was no issues or late payments throughout the whole time with the credit card. However, in XX/XX/XXXX being a military family we were XXXX XXXX. So we went ahead and contacted XXXX XXXX and made them aware of our location change. We were told there was no problem we could continue our normal payments while overseas. Later on in XX/XX/XXXX we were informed that they would be no longer part of the XXXX membership and they would be switching over to citi bank and that no further action was required from us. We were informed new cards would be sent out to replace our XXXX XXXX. That was not what happened at all once they switched to citi bank we on multiple occasion explained to them that we never received the credit cards. And that we needed them to continue to make payments online. However they informed us time after time that they could not email them to us XXXX. When we tried to get them sent to family members to send to us. Citi bank never sent them. Prior to these issues i had enrolled for a different citi bank credit card and received that with no problem XXXX. Once we realize we would never get the cards we still needed to make payments and continued to make attempts to call and make payments. But in order to make the payments they required our credit card account information. But when we would ask for it they would tell us that for security reasons they could not give us that information. At this point there was nothing we could do to make a payment every time we attempted they could not take it because they required account information that could not provide due to security reasons. After 6 months they charged off the credit card and the debt collectors called and have made payments through them. Overall Citibank never afforded us the opportunity to make payments. We never received any account information for our new citi bank account and we were forced to be charged off by the bank. Now this whole incident continues to affect my family because of the impact on my credit report. That had nothing to do to negligence or irresponsibility on my behalf. I honestly and truly feel like i was taken advantage of by citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian only allows XXXX dispute on an item and then it blocks you from ever trying to dispute the item again on there website. It keeps consumers from disputing items that are listed incorrectly on there credit reports. This should be a violation to FCRA and some kind of equal access to our credit disputing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was very sick and was having trouble XXXX  and needed XXXX  and was taken to XXXX by my boyfriend. While I was in the chair and ready to be XXXX  with the XXXX, the XXXX  tech demands I sign a paper and states that unless I SIGN it they will not draw my XXXX. I ask what the problem is as I have XXXX XXXX  and have met my $ XXXX deductible for the year, and had previously checked with XXXX to make sure I was covered! She states that's their policy in case XXXX doesn't pay ( she tries to calm me down my saying they will probably pay and it might not be an issue ) but demands I sign it. 
I should have refused, however, I was very sick and just wanted to get it over with and leave to go home. I was running a XXXX, could barely XXXX, and was XXXX  and XXXX. 
I get the bill later and see that they are trying to bill me for part of the XXXX, so I call XXXX, XXXX states maybe its a problem with the coding, so I call my XXXX and they send over codes to try and correct the issue. This goes on and on for months, with several calls to XXXX and XXXX trying to correct this, then in early XXXX I start getting threatening calls from XXXX stating they will send me to Collections, so again I call XXXX and explain the whole thing again. They call XXXX with me on the phone and explain to XXXX that I have ZERO LIABILITY per their CONTRACT. XXXX sends my file to CREDITORS BUREAU USA -A COLLECTION AGENCY and states that I signed their paperwork the day of the XXXX  draw, which makes me responsible! I call XXXX again and beg them to intervene as this is not right, legal, or ethical to demand someone sign something under duress, when I paid thousands of dollars to XXXX and for XXXX insurance coverage, to now be harassed and have my credit tarnished. XXXX states they cant do anything except note it in their " file '' for when they negotiate their contracts with XXXX!!!! So not their problem apparently, and XXXX  is forcing AND DEMANDING UNDER DURESS patients to basically agree to be " back billed '' for services that should be covered by their insurance. HOW IS THIS LEGAL????? HELP!!!! 
I have been refused credit now and have had my credit limits lowered because of their negligence, fraud and illegal activity! My credit was perfect and they have ruined it! THE PAPERWORK I ATTACHED FROM XXXX SHOWS ZERO PATIENT RESPONSIBILITY!
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Credit Bureaus Reporting : XXXX XXXX XXXX, and Equifax Issues and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as closed on all three credit bureaus, which violates FCRA Section 1681e ( b ). There is an inconsistency in the Date of Last Activity across the reports : XXXX : XX/XX/year> XXXX : XX/XX/year> Equifax : XX/XX/year> These discrepancies indicate an issue with accuracy and verification, violating FCRA Section 1681i ( a ) ( 1 ).

2. Lack of Proper Verification The remarks indicate the account is disputed by the consumer and meets FCRA requirements. However, the creditor has not provided sufficient documentation or verification of the debt under FCRA Section 1681i ( a ) ( 5 ) and FDCPA Section 809 ( b ), meaning the information should not be reported.

3. Medical Debt Reporting Without Proper Validation The account is noted as a medical debt, but there has been no verification provided that this debt is valid. Under FDCPA Section 809 and FCRA Section 1681i ( a ) ( 5 ) ( A ), a creditor must verify the debt before it can be included on the credit report.

4. No Reporting of Payment History or Past Due Amount The credit bureaus do not report a payment history or past-due amount for this account. This lack of information further demonstrates that the account is unverifiable and should not be reported under FCRA Section 1681i ( a ) ( 5 ) ( A ).