23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There were XXXX unrecognized charges on my bank account. I immediately reported the charges to my bank, they investigated and gave me the credit. I then get a letter explain they are taking the credit back because the merchant responded. They said the packages were delivered to my house and have a signed signature. I was out of state at the time and no one in my house hold signed anything. They used the courier usps. Ive made purchases before where merchants use usps and every single delivery says signed even though I have not signed anything because it is not required. I reported the card as lost. Because that was the case. I have no packages, I have no items, I dont even know what they are. I have no number to contact the merchant. My bank wont let me appeal theyre decision. They refuse to help me, they tell me to contact the merchant. I have no way to contact the merchant. And even If I did, the merchant isnt going to help me. They believe this transaction isnt Fraud and I did indeed make the purchase and received the items. But on my end I didnt make any purchase and that why I called me bank to get a new card. Because its fraud, so how does Wells Fargo expect me to resolve this, its their job to protect me and have my back when something like this happens. Now theyre treating me like XXXX! Unbelievable.
Product: Debt collection

The Receivable Management Services LLC ( RMS ) is attempting to collect the amount of {$200.00} from me on behalf of XXXX, XXXX XXXX   XXXX, for washing machine repair services rendered by XXXX. I do not dispute that XXXX rendered these services. However, they failed to correctly diagnose and repair the problem. 

In XX/XX/XXXX, I realized that my XXXX-brand washing machine was no longer draining properly, leaving my clothes soaking wet at the end of every wash cycle. A XXXX repairman came to my house on XXXX, took a look at the machine, ran some repairs, and stated that the problem was fixed. However, it soon became apparent that the machine was not working significantly better than it had been before the repairs. After doing some research and running some diagnostics, I concluded that the machine had a problem that the repairman had failed to notice, let alone resolve. Repairing this problem would have required some expensive spare parts, and since it was a very old machine, I decided to get rid of it and purchase a new one. 

Over the course of the following months, XXXX sent me a number of bills for the amount of {$200.00}. After each bill, I contacted XXXX, and explained that they had failed to resolve my problem, and therefore I should not be obliged to pay. I contacted them by phone ( XXXX ) on XXXX after the first bill, by email ( XXXX ) on XXXX after the second bill, and by physical mail several months later ( I do not recall the exact date ) after the third bill. After this, they send me a letter acknowledging my appeal, and requested that I send a statement to XXXX, which I did on XXXX. In each one of these communications, I gave a detailed explanation of why I was not satisfied with their services, and why I should not be obliged to pay. After sending this final email, I did not hear anything more about the matter until XX/XX/XXXX, when I received a letter from RMS, stating that XXXX had placed them in charge of collecting this debt. I immediately sent RMS both an email and a physical letter explaining why I considered the debt invalid. Earlier today ( XX/XX/XXXX ), I received a second letter from RMS, stating that they did not consider my appeal valid, and that I was still expected to pay {$200.00}. 

I am attaching the emails that I have sent to XXXX and to RMS, in order to demonstrate that I have made every effort to resolve this issue. Neither XXXX nor RMS has responded to these messages in any meaningful way -- they have simply repeated their requests that I pay for the service, without acknowledging the reason why I do not feel obliged to do so.
Product: Mortgage

I applied for the HAF program referred by my loan service provider while under forbearance during XXXX and waiting for a decision on my repayment plan. The XXXX program sent me a response stating they sent several messages to the loan service provider and havent received a response and then I received an email that the HAF program stated my applications was deny due to I wasnt in default and then I received a call from my loan service provider stated I was approved for the repayment plan and then also responded to the XXXX  program and this being my first experience really dont understand the process aggreed the the repayment plan thinking I was deny and was afraid I would lose my first home and to think my Loan service provider had my interest in mind and find out later on a repayment plan had tripled what I originally had
Product: Student loan

Sallie Mae, now XXXX, has irreparably damaged my credit and finances. After graduating from college and not being able to find a job for close to a year, they refused to work with me to refinance my loans, despite my various attempts to work out a payment plan with them. Once employed, I resumed my payments, but they were too high as I am only XXXX and an entry level employee. Again I contacted them only to be given the runaround, and when I finally spoke to someone of stature, they told me that the only way to refinance my loans was to default on them, which I did. Once I defaulted, I made another call to Sallie Mae and was able to get my payments down to {$560.00}. Fine. But upon recent inspection on my part, I found out that they 've been taking more than the agreed upon amount totaling to {$640.00}. I 'm now unemployed again, due to health reasons, and am virtually stuck. I have no other money in the bank and am pursuing options in which to sue for at the very least, breach of contract. Additionally, when I first restructured my loans, they proceeded to ding my credit score so that it 's decimated beyond repair because the payments that I was making were " late. '' There 's no way they could have been late because they were scheduled to be taken out of my account on the XXXX of each month as previously agreed upon. If their system is messed up, then why am I being punished for it? They 've also harassed my relatives, none of whose information I gave out when applying my loans, so they must have been mining data to figure out who to call. Every time that I 've tried to call them and straighten this out, I get the runaround and them telling me that my only option is to defer my payments, but to do so I have to pay an additional {$150.00}. What?!? The people they 've hired to run their " business '' are completely unprofessional, incompetent, and inept ; this organization should be run out of business for the plain thievery that they are allowed to inflict on American citizens.
Product: Vehicle loan or lease

In XXXX of 2019 I purchased a car with a loan from Credit Acceptance. I was only XXXX XXXX XXXX at the time with no credit history, and was unaware of how terrible this loan was. I was denied the opportunity to take out a smaller loan for a cheaper car. They only gave me the option for a {$14000.00} purchase with a 22.99 % interest rate, and me being young with no one to help me figure out that this wasn't right took it anyways I was not told that they do not allow refinancing through their company and have no payment deferral options if I were to need it in the future. So I now am XXXX already payed around {$13000.00} on this car that I never asked for, still owe {$14000.00} going through a rough patch, have almost no choice but to just accept that I'll still have to pay them for nothing as well as have no reliable transportation to work. What company honestly thinks that a XXXX XXXX XXXX kid working fast food in the XXXX can afford to make a {$410.00} per month payment. Based on the history of company it would seem that I'm not the first or last person that they will take advantage of just to make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau Transunion.   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.
Product: Debt collection

This company calls everyday and hangs up when I say Hello. I have multiple recordings. When I called them back, the company they're looking for is not mine. They are looking for a company called Certified by XXXX.
Product: Credit reporting or other personal consumer reports

I have a collection account on my report from Zion holdings which I never opened an account with. My account was sold to Zion from XXXX  with my consent. This account is being reported as opened in 2022 which is also incorrect. I have written to have this account deleted from my credit report as the information being reported is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXXXXXX - The XXXX data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXXXXXX - The XXXX data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX - The XXXX data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Credit reporting or other personal consumer reports

This is my third CFPB report for issue I have with TransUnion reporting a fraudulent late payment I have sent certified mail. I gave them my CFPB, XXXX  and FTC report I have gave them all documentations to prove that there is no late payment even a letter from the company saying that my account is closed in good standing and its paid off. I sent this in XXXX this months later, still violated my laws. This is violation of code 1666B every time I call the phone hangs up or I get somebody thats not in the United States and I can barely understand them and they dont know anything to help me. I spoke to five different employees. Today still no help. This is very unprofessional and indirect of the FCRA laws They did not honor my cfpb report I tried to submit a dispute. The website has errors. They deleted my own dispute just so I can redo it still having an issue trying to upload my other documents. I need this handle immediately. It is messing up my credit worthiness below. I will attach the letter from the company.
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the t
elephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

ACCOUNT : XXXX  XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2012 I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I do not know what this company is. I did not give them consent to have my information. This is fraud. This is illegal.

Delete hard inquiry
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX
Product: Credit card

I HAVE A JCPENNEY ACCT AND I HAVE XXXX INSURANCEON THE ACCT! I HAD A XXXX IN MID XXXX I AM NIOW XXXX FROM A XXXX I AM IN XXXX! THEY SHOULD BE PAYING THE ACCT
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by an individual named " XXXX XXXX '' ( The " Fraudster ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/sale of illegal and outright fraudulent " service '' all of which aim at contributing to the goal of robbing and defrauding clients, through predetermined cycle of client losses to gains. 
Money was transferred from my account in the total of XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A UNITED STATES HUMAN AND I HAVE RIGHTS UNDER15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND MY RIGHTS HAVE BEEN VIOLATED NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX PERMISSION TO FURNISH THESE ACCOUNTS CREDITOR-WOW EQUIMENTS DATES- XXXX XXXX AMOUNT- {$250.00} ACTION- I EXPLAINTED THIS IS NOT MINE CREDITOR- XXXX  XXXX XXXX XXXX XXXX AMOUNT- {$600.00} AND {$140.00} ACTION- COLLECTIONS CREDITOR-XXXX XXXXXXXX XXXX XXXX AMOUNT- {$760.00} ACTION- SOLD DEBT TO BUYER CREDITOR- XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT- {$440.00} ACTION - SOLD DEBT TO BUYER
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of our agreement back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost 3 years ago so I do not have the whole account number but it is listed on my report as XXXX, the last four digits of my SSN is XXXX. 
We agreed almost 3 years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.