23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

In the attempt to correct payments, I have received letters that state incorrect numbers about how many payments qualify towards loan forgiveness.
Product: Credit card or prepaid card

I have a Wells Fargo XXXX credit card. Wells Fargo is shutting down this program and transitioning to a new one, and they informed me that they are sending me a new card on XX/XX/XXXX. The card was lost in the mail because I have never received it, and on Friday XXXX I got texts to confirm large purchases I havent made ( fraud ). 

I immediately responded that these purchases arent mine and deactivated the card through the app. By that time, three fraudulent charges have been posted, all in XX/XX/XXXX, with the following amounts ( {$1100.00}, {$100.00}, {$25.00} ). I called the bank within an hour to confirm these were fraud transactions and to halt all action on the account. To my surprise, after verifying more than 10 personal identifiers through the phone, the agent asked me to go in person to the bank to verify my identity. I did on the following business day ( XXXX XXXX  and third branch in New York NY ) and explained everything. Despite a subpar customer service at the visit, they confirmed my identity and confirmed which transactions were fraudulent. They informed me that this account will be closed and a new one with a new card will be open, and previous transactions will be transferred. 

Since then, my account shows the establishment of a new account and the shipment of a new card, but still has the fraudulent charges confirmed on the new account. I attempted calling Wells Fargo on XXXX, and they again insisted on me going to the bank. I went to the same branch and they said they didnt have bankers available for the day. 

This interaction has been one of the worst experiences Ive had with financial institutions. From stalling to resolve a fraud transaction that was caused by them/mail service, to repeatedly making it difficult to interact with the bank via phone or in person, to allowing a new card to be activated without verifying identity, Wells Fargo is setting a new lows in customer service and financial protection.
Product: Debt collection

I signed up for food to be delivered from XXXX XXXX XXXX XXXX XXXX and during the call I was offered a warranty that would cover the food in the event my freezer went out. The representative said that the freezer would also be covered. The food cost us around XXXX and we paid monthly on it, along with the extra monthly cost for the " warranty ''. Once we paid the food off, they informed us that we still owed over XXXX for a warranty. We decided not to reorder any food with them and have been harassed by collection agencies regarding a warranty on food we no longer have - not to mention getting a negative rating on my credit report. 
It is not right to try to collect over XXXX on a warranty that we no longer need since we have paid off the account for the food. It was my understanding that the warranty was good for as long as we had the food. The amount they are trying to collect is as much as 8 months worth of food cost us with this company. We were not obligated to purchase more food so why are they insisting that we be obligated to pay for a warranty that covers the food in the event of it spoiling when we DO NOT have the food? And if the freezer breaks down, we can easily replace it for less than XXXX which is what they say we owe. The company contacting us to pay is called XXXX XXXX. They need to correct my credit report and stop contacting me. They want me to pay for something they are no longer providing which is ridiculous. There were no claims and the account for the food is paid off so why are they holding their hands out for money?
Product: Vehicle loan or lease

ON XX/XX/XXXX I authorized a payment of {$460.00} to Huntington National Back, the lending institution for my XXXX XXXX XXXX. My regular payment is about {$440.00} however, I missed a payment due to a medical situation a few months back and pay a little extra monthly to get caught up. Later in the day on XX/XX/XXXX I was online paying thru my XXXX online app and did not see the payment pending so I called H and a male rep answered the call. He indicated I had an " overage '' of about {$230.00} and if he applied the overage I would be current. At no point during the conversation did he equate " overage '' with " past due '' amount. He processed a payment of {$680.00} which was not my intent nor did I authorize. I called today ( XX/XX/XXXX ) after noticing what he had done after my bank sent me an alert for a low balance, I contacted Huntington immediately and after speaking to 3 individuals and treated disrespectfully and condescending have no resolution. The first supervisor was very rude and dismissive about the situation and would give no time for listening to the call. I did indicate I wished to file a complaint and she told me I could do it with her, when I informed her that she is part of the problem she wanted to question how. Hostile and unacceptable behavior in my opinion. Then " XXXX '' calls back approximately 30 minutes later and tells me that I agreed to a payment of {$680.00} and when I asked specific questions, she did not answer and indicated she was not going to argue. At no point did the male rep inform me he was going to debit my account {$680.00} and I agree. I knew about the past due amount bc I referenced the statement during the call, Overage does not equate to past due by any definition I could locate today. The unauthorized payment is going to cause me to incur additional fees and charges on my bank end and the vendors if the bank does not pay. I feel as though the rep did what he did because their may be incentives to collect or else he is just not properly trained to discuss these questions with consumers. They were not willing to waive any late fees. I am requesting that the {$220.00} be put back in my account as fast as they took it out, not a check in the mail and refund any and all fees that I might incur due to this unauthorized amount for my vehicle loan payment. If I planned to pay {$680.00} why would I not have made the payment on the automated system like I did the {$460.00} and I would not be upset calling them back today. They were unwilling to work towards any type of reasonable resolve on top of the unprofessional communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting XXXX after your response to my complaint through CFPB. The complaint number submitted was XXXX. XXXX did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. Thank you,
Product: Debt collection

While looking over my credit report I noticed I C System listed on my credit report. I have no idea what this debt is and it has not been communicated to me. This has caused stress and loss of potential income. The debt does not belong to me.
Product: Debt collection

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX Balance : {$0.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and 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 which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
Product: Mortgage

Mr. Cooper recently purchased my mortgage from XXXX and they have owned my mortgage for 3 weeks. In that time they have auto debited my checking account 4 times, withdrawing an entire mortgage payment each time. I tried to contact them via their secure message center, their customer service phone number and their social media page and did not get a reply, let alone a resolution. My account was overdrawn by over {$4000.00} and I had nothing but a credit card for groceries, a car payment, bills and daily expenditures. They finally made a statement on social media that their payment vendor had an issue. Still no resolution. Still no direct contact. Still no refund and there isnt a thing I can do about it.
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. 

1, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.
Product: Mortgage

XXXX has sent verification requests to M & T bank TWICE to verify my account information so they can submit my grant money to bring my mortgage current. M & T has not responded to either of these requests. Their response to me is not acceptable. M & T bank advertises that consumers should apply for state grants to help with mortgage accounts in forbearance. I have applied for these funds in XXXX of 2022 and M & T bank is not cooperating with XXXX. I have already received assistance to help pay for my heating bill thru XXXX and there was no issues whatsoever with the communication between XXXX and the oil company. This needs to be taken care of. My home and my life is not some game!
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery account # XXXX is incorrectly reporting my account. This account is paid and is also past the statute of limitations. This debt should not be on my credit and should be removed.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXXXXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : {$930.00}
Product: Credit card or prepaid card

I had a flight scheduled from XXXX  to XXXX to XXXX  on Monday XX/XX/2020 ( Departure Flights : XXXX XXXX and XXXX XXXX. Return Flights : XXXX XXXX and XXXX XXXX ). Due to COVID-19, my flights were cancelled by the airline, XXXX. I booked my flight through Chase XXXX for XXXX XXXX  Rewards points ( a {$510.00} USD value ). I called Chase XXXX  on XX/XX/2020 and asked if I could receive a refund instead and they got in touch with XXXX on my behalf. After several calls, I was finally notified by Chase XXXX through email on XX/XX/2020 that XXXX had denied my request for a refund and that I was only given a flight voucher. I was told that the airline 's policies did not allow them to give a refund. The airline 's policy was to simply give travel vouchers to passengers of cancelled flights. According to a notice published by the U.S. Department of Transportation on XX/XX/2020, " airlines have an obligation to provide a refund to a ticketed passenger when the carrier cancels or significantly changes the passengers flight, and the passenger chooses not to accept an alternative offered by the carrier. '' Additionally, the notice states that " Ticket agents are required to make 'proper ' refunds when service can not be performed as contracted on a flight to, within, or from the United States . '' XXXX 's refund policies clearly violate their obligations to provide ticketed passengers refunds when they cancel flights. My flights originating from the US and arriving to the US were cancelled, and XXXX and Chase XXXX  are both denying me a proper refund for services that were never carried out. I do not want a flight voucher and I made this very clear to the Chase travel agents as well as to XXXX. Since I booked my flight using Chase XXXX  Rewards points through the Chase XXXX portal, I am unable to file a dispute to get a refund for a service that I was never provided. Additionally, Chase XXXX has been of no help and has chosen to defer to the airline 's policies despite having the ability to refund my XXXX XXXX Rewards points to my account. Chase XXXX Rewards points are part of a financial institution and function as cash since they can be used to book travel, pay for credit card statements, and be redeemed for cash. Chase should be held accountable as a financial institution for the following two reasons : 1. Not providing me refund of my XXXX Rewards points 2. Not having a mechanism in place to dispute charges for fraud or services not rendered when using rewards program points that function as currency.
Product: Debt collection

I have been getting calls from Medicredit for a phantom debt that I dont own. They claim that I have medical debts from the XXXX XXXX which I have never visited. I researched the company to check if it was a scam call. The company is real and has had many instants of hounding people for phantom debt. I refused to contact the company since my research advised against it, warning that if you verified you phone or other person info they would go after you more aggressively. I have been receiving these phone calls about three to four times a month since the start of this year 2020. The most recent call was this week XX/XX/XXXX. Please stop Medicredit from going after phantom debt. I have worked hard to have good credit and I dont want a fabricated debt bring that down. I finally payed off my student loans this year so its been really bitter sweet to have to deal with Medicredit falsely threatening the credit score that Ive work so hard on with regular payments of my student loans.
Product: Credit card

XX/XX/XXXX I paid a credit card deposit to XXXX XXXX XXXX of {$1200.00}. 
XX/XX/XXXX I paid an additional credit card of {$300.00} deposit to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent XXXX XXXX XXXX XXXX movers XX/XX/XXXX after several delays XXXX, the delivery driver, arrived to deliver my belongings but only brought half. 
XX/XX/XXXX after a week of calling the movers they said " we looked everywhere, we can't find your things. We marked it lost, so you can stop calling and file a claim. '' Since this meant they " lost '' over {$50000.00} of my belongings and refused to provide me with the GPS and digital tracking they claim to have, I disputed the charges since they failed to provide the service they promised which was safe delivery of my entire inventory. 
I was refunded the {$300.00} deposit from XX/XX/XXXX, but USAA said initially that the other financial institution refused to refund the {$1200.00} deposit. I reopened the dispute mutiple times with USAA and the credit card department agreed that it should be refunded, but they told me each time that a different department handled disputes and each time that dispute was refused. 
I then filed a small claim against the movers and had my claims hearing on XX/XX/XXXX. The movers never showed and I was awarded the full amount claimed. The movers did not pay the judgement within the 30 days, so in XX/XX/XXXX, I again reopened the dispute with USAA and uploaded the court judgement that stated that the company owes me the money and getting denied yet again, I asked that the dispute be escalated and at the final escalation the only explanation they had for declining it was that the timeframe to file the dispute had passed. So they agreed that the dispute was valid, but they acted like I was making a new dispute rather than reopening the original dispute. 
I do not believe that is an acceptable excuse to refuse to refund the money as the court process takes time that I can not rush and then after the judgement I had to allow 30 days for the company to abide by the court judgement. I also was not making a new dispute, I was reopening a dispute that was filed well within the timeframe. The refusal to refund the money has no justification. The {$300.00} was refunded based on the exact same dispute, so the {$1200.00} must also be refunded since both disputes had the same justification.
Product: Credit reporting or other personal consumer reports

This is my multiple 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 alleged fraud or extortion. 
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
Product: Credit reporting

At XXXX, after waiting 12.5 months since our last Equifax reports from XXXX .... '' Internet Delivery Unavailable - Mail-in Request. We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : Annual Credit Report Request ServiceXXXX, GA XXXX '' This seems to defeat the whole purpose of keeping my SSN and other personal info out of the US Mail stream where it is easily stolen. Why?!
Product: Student loan

The company is National Enterprise Systems not ( XXXX ) but they may be affiliated together. This is for a private loan payment. The reason they are calling me is to find out when I 'm going to make the next payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they will leave a message sometimes then wait a few minutes and call right back. Like back to back. This is excessive and I do n't need them calling me that many times a day because they need a answer. Please make them stop calling me 6 to 8 times a day.