23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I not disputing I owe these debts but I do see where they take the same visit and report it twice saying I owe for the same visits especially when there is also insurance showing of some of these payments they are reporting double an almost caused me my employment they have been doing this for the last 8 years so debts are passed the expiration of goin away please review Ars national
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to investigate and remove all account which I listed in Identity Theft because I was victim and somebody stole my personal information. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I noticed unauthorized fraudulent accounts on my report and I need them removed
Product: Mortgage

I pay escrow as part of my loan agreement ; property tax and HO6 insurance. Last week I found out that Flagstar failed to pay my HO6 insurance company ( XXXX XXXX ) back in XXXX and because of this they canceled my policy. I had no idea I had no insurance for almost 3 months. It is important to mention they did this EXACT same thing with my last HO6 insurance company ( progressive ) back in 2021. They simply did not pay and my insurance was dropped. No one reached out to me but they kept accepting my new escrow payments. 

I called last week and a rep tried his very best to get my plan with XXXX XXXX back in good standing but the company refused to take me back on because of the long gap in my policy ( understandable ). 

I filed a complaint that day and expected someone to follow up. I called today and got the run around. I was on the phone for about a hours and talked to 4 people including a supervisor. EVERY person gave me different and conflicting information. One rep even tired to say I have no money in my escrow account ( I can see the amount on my portal, its currently at {$1200.00} so he blatantly lied to me, a SUPERVISOR no less ). 

At this point I am requesting that they give me the money that was supposed to go to my former HO6 company, I would like get a new company and use the money to pay them in full. I also no longer want to do HO6 insurance through Flagstar. I simply do not trust they will make timely payments. When I make this request to a rep they hung up on me. I called the FDIC to make a complain and they said the CFPB was a better route to take. I just want my money and to be able to get another HO6 policy.
Product: Credit reporting or other personal consumer reports

Dear Experian Compliance Department, This correspondence serves as a formal follow-up regarding my previous request to place a security freeze on my credit profile and opt-out of the release of any personal, financial, or debt-related information. I appreciate your acknowledgment of my prior communications and would like to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) are being upheld.

My Request 1. Security Freeze : I request that a security freeze be implemented on my credit profile to prevent unauthorized access or sharing of my information.

2. Opt-Out of Information Sharing : I do not consent to the release, disclosure, or sharing of any personal or debt-related information to credit bureaus, reporting agencies, or third parties without my explicit permission.

3. Compliance with Federal Regulations : I request written confirmation that your organization is fully compliant with federal regulations and is taking all necessary steps to uphold my rights as a consumer under the FCRA and other applicable laws. 
Documentation Provided For your review, I have enclosed the following documents : A copy of my driver license A recent utility bill for address verification Declaration I declare, under penalty of law, that the information provided in this correspondence and all attached documentation is true and accurate to the best of my knowledge. 
Next Steps I kindly request written confirmation that : The requested security freeze has been placed on my credit profile. 
My opt-out request has been processed and my information is no longer being disclosed. 
Your organization is compliant with all applicable federal laws and CFPB guidelines regarding the handling of consumer data. 
Please provide confirmation of these actions within 30 days of receipt of this correspondence. If additional information or clarification is required, do not hesitate to contact me directly at XXXX or via email at XXXX. 
Thank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. 
Sincerely, XXXX XXXX
Product: Credit card

This card was opened without my knowledge, I have been unable to obtain a police report so I have made a complaint with the FTC, and most recently have been advised to make a complain with CFPB. In XX/XX/year> I requested all statements to be mailed and I was told I would have them within 2 weeks. I have not received any statements
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in XXXX and again on XX/XX/22. I have requested several times that they remove personal information including all old addresses, phone numbers, employment, public records for my bankruptcy, inquiries and accounts from my report. I stated federal laws explaining to them that they are illegally reporting these things without my written consent in which it has been causing undue hardship, defamation of my character, stress, embarrassment and most of all has prevented me from obtaining goods and services for my personal and family purposes. Experian has failed to honor my request and continues to report illegal and incorrect information on my consumer reports further continuing to hinder me in excelling in life and allowing any business that I initiate into a consumer transaction with to discriminate against me because of the incorrect information provided by Experian on my consumer report.
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 U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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: Money transfer, virtual currency, or money service

I am a United States citizen XXXX  at XXXX XXXX XXXX in XXXX my wife is an XXXX XXXX member of the United States XXXX. I arrived at XXXX in XX/XX/2021, and in XXXX arranged to purchase a car from a XXXX auto broker. 

I contacted Bank of America on XX/XX/XXXX to inquire about wiring the cars purchase price to the broker to complete my purchase, and was assured by the XXXX XXXX  customer service agent that, although the default limit for an international wire transfer was {$1000.00}, they would able to wire as much as {>= $1,000,000} ( which well exceeded the vehicles purchase price of approximately {$65000.00} ). After receiving the final invoice and payment instructions from the broker, I logged in to BofAs website to initiate the wire, but the website refused to allow a transfer above {$1000.00}. 

I contacted BofAs representatives again on XX/XX/XXXX, who then informed me that due to an ongoing change to their verification system, they would be unable to process the wire until at least the end of the month. They did note that they would be happy to verify and complete the transaction if I visited a BofA branch, but as the spouse of an American XXXX  XXXX  in XXXX, that is not a possibility for me. While some representatives were kind enough to escalate the situation to their superiors, those persons, when I was even able to reach them, refused to provide any solutions to allow me to wire my money. Furthermore, I was informed that I could not even make a domestic wire of greater than {$1000.00} had I not had a previously linked account with another financial institution, I would have had severely limited ability to withdraw nearly {$100000.00} I had in BofA accounts. 

To say this situation is absurd is an understatement the essence of a banks purpose is to move capital between persons that have capital and need it, and for BofA to take such a critical system offline defies logic and violates their fiduciary obligations. I understand and appreciate the need for proper verification of the person making a wire in order to prevent fraud and theft, but refusing a customer any means of verifying their identity in order to make a needed transaction in a timely fashion is comparable to theft in its own right. Furthermore, the utter disregard for American XXXX, their families, and other Americans unable to physically visit a branch is astounding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Product: Money transfer, virtual currency, or money service

I attempted to transfer a portion of my XXXX holdings from the Gemini exchange to a self-custody wallet on XX/XX/XXXX and was unable to do so due to a security hold. I submitted a ticket and received a response requesting I submit a photo of myself with identification and the ticket number. I submitted the photo immediately. 
I then received a request on XX/XX/XXXX for documentation of my external wallet address and ownership, which I submitted on XX/XX/XXXX. On XX/XX/XXXX, I was requested to provide source of wealth information, which was provided. On XX/XX/XXXX, I was asked if I had an investment opportunity I was using my crypto for. I responded that I was simply trying to move a portion of my XXXX  to test a self-custody wallet. 
I have now been trying to access my currency for nearly two weeks ; I have verified my identity, provided proof of ownership of my external wallet, and answered all questions, and the security hold has still not been lifted. 
I then submitted a complaint ticket explaining the steps I have taken, and they requested I submit a photo with ID again. They still will not allow me access to my cryptocurrency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX denied credit to me on XX/XX/2020 with explanations that not evident on my Experian credit report which they sighted as reporting the information. I have tried to contact XXXX and Experian with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?
Product: Checking or savings account

Unable to Close Albert Account I have repeatedly attempted to close my Albert account through the app and by contacting customer support, but my requests have not been fulfilled. 

Attempts Made : On [ Date XXXX ], I used the " Close Account '' feature in the app. No confirmation was received, and my account remains active. 

On [ XX/XX/XXXX, I emailed support at XXXX, but I only received an automated response and no further follow-up. 

On [ XX/XX/year> ], I reached out to customer service via text and in-app support, but my issue was not resolved. 


Amounts Involved ( if applicable ) : My account was charged $ [ XXXX on [ XX/XX/year> ] despite my attempts to close it. 


Impact on Me : The inability to close my account has caused financial inconvenience and frustration. I am concerned about unauthorized charges continuing. 



Requested Resolution : I want XXXX to immediately process my account closure request and provide written confirmation. If a refund is owed for charges after my initial request, I ask that it Be mailed
Product: Consumer Loan

I am writing to see about filing a formal complaint about Wells Fargo Dealer Services. The contact number I have for them is XXXX. I had an issue today with having a vehicle repossessed. I had someone here with XXXX XXXX XXXX XXXX hooking up my van to be towed away. At the same time I was talking on the phone with a representative from Wells Fargo Dealer Services and trying to get things figured out with them and removing my personal items from the vehicle. Well talking with the Representative from Wells Fargo on the phone he informed me that I need to listen to the repo men because one of them is in Law Enforcement as a deputy. I asked which one was the deputy and they both said they were not. So I informed the representative on the phone that and he said that then one of them is a reserve officer and threaten me with that. I asked these men and they both denied that. Finally the one man said he formally was in law enforcement but has since retired when he started working this job. The rep on the phone was trying to threaten me with the fact the these men were in law enforcement when they are not and was reminding me he did not say that and everything was being recorded on his end. 

I felt very threatened today by the representative from Wells Fargo and to tell me there was a Law Enforcement Official standing in front of me to intimidate me that was false has upset me the fraudulently misrepresented the repo team as Law Enforcement.
Product: Credit reporting or other personal consumer reports

We purchased XXXX XXXX XXXX XXXX  XXXX with traded my XXXX XXXX XXXX XXXX and {$4000.00} down payment on XXXX, XXXX and deal was done and weve been driving the car almost a month. 

I realized that Ive received so many denied letter from BANK and I checked the my credit check history and I found out the dealer has checked my credit after our deal and got so many hard inquiries then my credit score is dropped for XXXX My XXXX XXXX also havent paid off yet so we called the dealer and they told us that the bank denied the financing We were like???? We already done the deal and its been already a monththe dealer never contacted us or notified regarding the financing. 

We are the one who contacted but the dealer should contact us They offered us another deal which we pay {$25000.00} more down payment or get co-signer or return the car back We tried to contact XXXX XXXX also customer service but they told us the vehicle hasnt registered under my name so they cant do anything When We return the car and get the traded car back and down payment back but. 
Isnt illegal that after deal is signed and a month laterthey cancel the deal??? 

When we asked them to provide deletion letter for the hard inquiries because of them, they told me that they can run the credit within XXXX after I sign the credit application..yes I did sign but its only for the day we got deal and deal was done on XXXX, XXXX but they run my credit without my authorization on XXXX and XXXX, XXXX and they didnt even contact or notify us regarding financial issue they had.we are the one who figured out by denied letter from Several banks and contacted the dealer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major breach that exposed my credit information in addition to over 143 million US consumers.
Product: Credit reporting or other personal consumer reports

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

To whom it may concern, I am writing to dispute the fraudulent items listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that a list of accounts from Capital One had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having these fraudulent items on my credit report. These discrepancies are impeding our progress of fulfilling our dreams to buy our first home. 

After reviewing the accounts, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following items be removed from my credit history to correct the information as the fraudulent charges were not made in good will nor with my authorization and knowledge. The fraudulent items can be found below : Item 1 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$3300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Credit Limit {$4000.00} Highest Balance {$3400.00} Terms NA Item 2 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$58.00} XXXX XXXX {$2000.00} Highest Balance {$2000.00} Terms NA Item 3 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed/Never late. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$71.00} Credit Limit {$5000.00} Highest Balance {$2600.00} Terms NA On Record Until XX/XX/XXXX Please investigate these matters and remove the disputed items as soon as possible.
Product: Checking or savings account

On XX/XX/23 - A {$560.00} check was deposited, check was endorsed and signed - Funds were supposed to be available on XX/XX/23 - Due to phone number not matching the third party for verification, a decision was made to close account on XX/XX/23 - Capital One customer service informed me I will be receiving funds in the mail within 5-10 days - Capital One customer service has continuously gave false information about where the funds are and when the account will be closing. Last time I called on XX/XX/23 the agent informed me my account was still being investigated. 
- It is now almost a month later with no update or funds returned