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

I am a victim of fraud and filed a claim with NetSpend on XX/XX/XXXX for {$2100.00} ( claim # XXXX ) for money fraudulently debited from my account. OnXX/XX/XXXX I received an electronic notification from NetSpend stating the " disputed transaction claim has been resolved and after investigating your claim, we have confirmed that the error ( s ) should be corrected. $ that was erroneously charged will be credited back to your account today. Any associated transaction fees will be credited within 10 business days. '' Today is XX/XX/XXXX and the funds have not been credited back to my account. I have called three times, spoken with XXXX, XXXX, and XXXX. They stated the email was a mistake and it " happens all the time. '' I explained the only written notice I received states my investigation was complete and an error occurred and per Regulation E the error must be corrected within one ( 1 ) business day. I was hung up on, transferred, and each individual refused to resolve this issue by providing the credit I am entitled to, that was promised in writing, and that is required under the law.
I have attached documentation of the notice and I am requesting NetSpend immediately credit my account in the amount of {$2100.00} and any applicable fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that compromised my personal information. As a result of this breach, fraudulent accounts have been opened in my name, and I am requesting that these accounts be blocked and permanently deleted from my credit report as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts are the subject of this request : 1. XXXX Account # : XXXX XX/XX/XXXX {$19000.00} 2. XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00}
Product: Checking or savings account

My account was closed and XXXX reason that were shown not to be correct were given. Then I was told that XXXX has the right to end their relationship with the customer at anytime and they held onto my {$150.00} in XXXX account and {$.00} in the other and the gave me my deposit of {$610.00}. They told the banker that they would send me the balance of my account once they balance my account. The banker that was on the phone with XXXX told them there was nothing to balance since I had no pending transactions and could she just give me everything and they told her no. Now my account is showing negative {$450.00}. There final excuse was my claim history in which the banker stated are you serious because she could see from my account that it wasnt true.
Product: Debt collection

I am not liable for this debt with CREDIT COLLECTION SERVICES.I do not have a contract with CREDIT COLLECTION SERVICES. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX XXXX Equifax : XXXX : XXXX XXXX  : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX? XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX.
Product: Money transfer, virtual currency, or money service

I received an advance payment of {$5000.00} from my flood insurance carrier-Allstate. It was made out to me, XXXX Bank, and Compass bank. My primary mortgage is with XXXX bank and I have a equity line of credit with Compass ( that has a XXXX balance ). XXXX endorsed the check immediately-no problem. Compass Bank, however, refuses to endorse it unless they receive a copy of the insurance adjuster report and an estimate from a contractor. I explained the {$5000.00} advance is to help with immediate needs and to help me get started on the rebuilding process. This explanation fell on deaf ears. They cited their policy and have refused to endorse the check. As of this writing I 've had the check in hand for over a week. At this point it is a worthless piece of paper. I 'm grateful I do n't need the funds immediately but others in this same situation are desperate for money. We, flood victims, are being victimized all over again.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, several fraudulent accounts have been opened in my name. I respectfully request that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX XXXXXXXX XXXX : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act 15 UC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise three grave responsibilities with fairness, impartiality., and a respectful the consumer 's right to privacy ''. XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801 states I have the right to make sure my private information isn't shared. " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. This account is an adverse item they are reporting again without my permission against the law. 15 U.S Code 1681s- 2 ( A ) ( 1 ) A state " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed o avoid violation of section 1681c of this title and to limit the furnishing of consumer report the purposed listed under section 1681b. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " Consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''. 

What would be a fair resolution to this solution?
Product: Credit card

I have a credit card with Wells Fargo. The " due date '' on my account is the XXXX of every month. ON XXXX XXXX, 2015 I went to my online account with Wells Fargo ready to make a payment to my account ... .this was at XXXX. When I opened my file and looked at my account online, my balance had gone up {$35.00} with no explanation ... additionally there were alert messages in red stating " Your account is over limit, remit payment at once ''. I had not charged anything with that card and looked at the definition of " date due '' ... .which clearly states that you have until XXXX on that business day to make a payment BEFORE late fees are issued. 
My complaint is that Wells Fargo is assessing a " late fee '' at the beginning of the day on the date due and not at the end of the day, as the law reads. I feel that this is illegal and should be looked into. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 1681b ( c ) Experian is reporting unauthorized inquires on my consumer. This considered a violation and because of this violation it is costing me financial damage. XXXX has not validated these inquiries yet they are still reporting these illeged inquiries.
Product: Credit card or prepaid card

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.
Product: Student loan

I am writing to request detailed information regarding my student loan account. Specifically, I am seeking the following : 1. History of payments made on my account from XX/XX/XXXX to XX/XX/XXXX, including a breakdown of amounts applied to principal and interest. 
2. Information regarding capitalized interest on my account during the same period ( XX/XX/XXXX to XX/XX/XXXX ). 
3. The 1-Month LIBOR Rates provided by XXXX XXXX XXXX XXXX XXXX date and change date from XX/XX/XXXX through XX/XX/XXXX. 

I would appreciate it if this information could be provided at your earliest convenience. If there are any forms or additional steps required to process this request, please let me know. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I Express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous of times and reporting discrepancies my financial institution and failed to investigate my clothes adequately they informed me that recovering loss lines was impossible, and the tracking these transactions was unfeasible the CFPBs findings indicate the deal has not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable concerns about consumer safety
Product: Mortgage

Follow up to my previous complaints. 

XXXX-XXXX  Today I was told that BoA can no longer try and resolve this issue with me because the CFPB is involved. 

Is that correct? 

Also, this is a sample email and I have attached a file below to show you how confusing they have chosen to be and how they have avoided telling me about their errors and correcting them. Not one person who looked at the spread sheet could understand what BoA was trying to clarify. They just made issues worse.

Here 's the email : Mr. XXXX, attached is a summary of the activity on your account broken out by principal, interest and escrow. I believe this detail will be helpful in explaining your monthly statements, including the Past Payment Breakdown totals. Your statements do accurately reflect the activity on your account, though I recognize clarification on the activity may be beneficial.

Id like to arrange time to go through the activity with you and address any questions you have. 

Please let me know what time is best for you. Thank you. 

XXXX XXXX SVP, Unit Manager II Onboarding & Client Experience, Mortgage and Vehicle Servicing Operations Bank of America XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX T XXXX XXXX Lifes better when were connected This communication from Bank of America may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you receive this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am requesting for Westlake Portfolio Management to delete the reporting account from my consumer report. This company has failed to provide a complete and accurate record of payment history, This company refuses to update inaccurate information when I have already put them on notice that information is incorrect. I have requested this information and what was provided I will attach along with this complaint. This company is also unlawfully reporting a repossession in XX/XX/year> when there was no repossession taken place. I am requesting a reinvestigation into this matter. The CFPB is authorized to investigate this fully and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 
Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

2Tag Pending Report 3Generate Letters 4Send Letters Letters & Status Dispute Items Educate Messages Invoices Activity My Saved Letters ( XXXX XXXX ) comment Here are all the letters you have created in the XXXX and saved for this client. 

Letter Name Created date Abbreviation XXXX XX/XX/XXXX arrow_drop_down XXXX XX/XX/XXXX arrow_drop_down XXXX XX/XX/XXXX arrow_drop_down Total : 3 Preview Letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

The company is XXXX/home improver card. I opened this account in XX/XX/2017. Limit was XXXX, I used for carpet in my house and a few other things, so therefore the balance went up. I never missed a payment, but i began to noticed each time I made a payment my balance was higher. I reached the XXXX limit, my payment was XXXX, I paid that, but the next month they would send a bill for over 2000. I requested they close my account. The account was closed with an available credit of around 35.00. But, again I received bill for over the limit of XXXX. I called and requested to get setup on online banking so I could print all of my statements. I was told the system would be down for 5 days and then I could access them, still could not. I have disputed with XXXX and added a 100 word statement. Also, the marketing, I am XXXX, when I opened this card the sales rep never told me anything about insurance for the card should you become unable to pay. I found this on my own, but I was too late. This is a predatory lender. I will never be able to pay this card off. They changed my minimum due amount 3 times as well. I called and asked why, they stated I had a return. I never returned anything ever. I need help with this, I can not pay this, I am XXXX   and they are deliberately robbing consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.