23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Today XX/XX/XXXX at XXXX I called Wells fargo to solve a dispute that had just been closed today. The dispute in question was for {$340.00} for XXXX XXXX in the country of XXXX XXXX. I sent a letter and evidence to Wells Fargo explaining the situation and why I believed the amount should be credited to my account yesterday XX/XX/XXXX. But in less than 1 day I got a decision in my inbox stating that the claim had been denied because I accepted the services. I did not accept any services period. I was forced to pay the service fee under extreme circumstances. Today I spoke with XXXX a supervisor in the claims department and he was not willing to help and told me that the dispute would not be reopened and he was firm without any other options. I asked him why and he just told me that it would not be reopened. I asked to speak to somebody else and he told me that there was nobody else to speak. XXXX XXXX put me in a hard place when he stated well you " used the card and accepted the services ''. This kind of statement from him just made me realized that he was not going to do anything to solve my issue but instead trying to put me against the wall so I had no other recourse. It is unfortunate that sometimes you get these types of reps that they tell you well you presented your card or used your card right? This does not mean that I accepted services or was happy with the merchandise. But XXXX XXXX was trying to block anything going forward, he was refusing also to let me speak to upper management, and did not want to accept his failures. But I know that I could reach the executive team at Wells Fargo and that is what I instructed him to do and he accepted it. But just for the record I am filing this complain so another set of eyes gets a second look at my dispute and also this complaint stays on record. Wells Fargo usually has good customer service but once in while you always get a bad apple like XXXX XXXX that does not want to go the extra mile and take a second look at the situation. 
I have attached a copy of the email received this morning for reference received today XX/XX/XXXX XXXX with dispute # XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living XXXX  who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Amount {$340.00}, ACCT # XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX  ), AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ), AMOUNT {$3100.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$14000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$2400.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX {$1300.00}, ACCT # XXXX ACCOUNT : XXXX FED XXXX XXXX, AMOUNT {$7300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$6100.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$670.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXXXXXX XXXX, AMOUNT {$500.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1800.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX AMOUNT {$690.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX FS XXXX XXXX XXXX XXXX XXXX, AMOUNT {$610.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK N.A. ), AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), AMOUNT {$600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), AMOUNT {$1700.00}, ACCT # XXXX XXXX XXXX  XXXX XXXX {$550.00}, ACCT # XXXX INUQURIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXXXXXX XXXX Balance Owed : {$600.00}, XXXX XXXX XXXX XXXX Balance Owed : {$790.00}, If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items 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: Debt collection

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.

Please acknowledge that you have received this notice within 10 days.

Also keep in my that XXXX and others also continue to say that you verified the debt. Like how if I have no contact with you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX  Balance : {$51000.00} DEPT OF ED/XXXX  XXXX Balance : {$71000.00} XXXX  XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts XX/XX/XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXX XX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XX/XX/XXXXXX/XX/XXXXXXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is in response to the intial complaint # XXXX. In that complaint I complained that I have filed with Lexis Nexis a dispute and they refused to block the identity theft caused on my credit report. I attached to it a copy of my police report, FTC affadavit, proof of address, Proof of social security number, and state ID, they never responded so I filed the above mentioned complaint. The responded to that complaint by stating : " This correspondence is in response to the complaint LexisNexis Risk Solutions XXXX ( LexisNexis ) received from your office on XX/XX/year> on behalf of XXXX XXXX XXXX, in which XXXX XXXX disputes the alleged inaccurate reporting of bankruptcy record case number XXXX, address, tradeline account, and inquiry listed on his file. 
Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
Based on the information XXXX XXXX provided in this complaint filed with your office, we are unable to fully authenticate XXXX XXXX identity and as a result we are unable to provide specific details regarding XXXX XXXX file. '' I will attach proof of my identity on this complaint the information should be blocked immediatey.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section atc ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNT XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I accidentally ordered a {$200.00} purchase from the vendor XXXX. I immediately canceled, requested a refund and received a confirmation email within roughly an hour that the refund would be processed. After several phone calls spanning XXXX weeks ; I was transferred and hung up on consistently when I asked when the refund would be processed/when I was to be expecting the money back. I was told that it would process on XX/XX/XXXX but " wouldn't show up on my account until the XXXX. '' It's now XX/XX/XXXX and I am certain that I won't be getting it back unless I reach out to some an authority/government agency because this is far longer than the 10 days to settle/resolve a dispute. This has been a nightmare for me as I'm now late on my light bill and rent.
Product: Credit reporting

Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. EXPERIAN has find information through third party research. 
I contacted Experian by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to Experian. Experian failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
Experian Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file Experian maintain under my Social Security number.
Product: Mortgage

I was contacted by Rocket Mortgage about my existing loan with them. I had a lapse in insurance coverage on my homeowners because I was switching companies. At the end of XXXX ( XX/XX/26 ), I contacted Rocket Mortgage due to a charge of over {$400.00} for a month of homeowners insurance showing on my statement. At that point, I spoke to their representative named XXXX and XXXX and myself had a 3 way call with my new insurer at XXXX ( agent is XXXX XXXX ). Once on the 3 way call, XXXX told us that since there was a lapse in insurance, all we would have to do is upload a statement of no loss to their portal ( Mycoverageinfo.com/agent ) in order to get that charge removed. We did so that same day. 

Now over a month and 3 more calls later, my agent and I are being told that the statement of no loss will not suffice, and I'll be stuck paying over {$400.00} for insurance I never agreed to and was told would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/1994 XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan, an apartment, a mobile phone account, a credit card account, and a theme park account from XXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXX with a balance of XXXX, XXXX XXXX XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts or collections are the result of identity theft and fraud.
Product: Mortgage

The terms of the loan modification that Ocwen Loan Servicing had done for us was really terrible and unjust. As you will in the mortgage statement attached to my complaint. I have a deferred principal of {$220000.00} and a regular principal of XXXX. I gave an interest of 2 % only on regular principal XXXX that will expire on XXXX XXXX, 2017. My payment is based only my regular principal of XXXX. I have a XXXX on the same property with XXXX with a balance of {$55000.00}. This is really deceptive what they did to me. I accepted it back the because otherwise, I would my house. Based on the underwater status of our mortgage, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal. This option allows us to work together and stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit for the bank with little or nothing to gain. The appraised value of the property is {$160000.00}.
Product: Credit reporting, credit repair services, 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. Code 6802,15 U.S. Code 6801, 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, has violated my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The institutions have not furnished all 3 items above required by law. 

15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency, or I will be filing a lawsuit against the financial companies and the credit bureaus for violation of my rights.
Product: Checking or savings account

I am not able to make a payment through XXXX with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple charge offs are being reported on my credit. XXXX XXXX Acct : XXXX {$25000.00} XXXX XXXX XXXX {$22000.00} XXXX : XXXX {$22000.00} According to The IRS : You must report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these accounts as debt are inaccurate. 

They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states have the right to privacy 15 USC 1681 a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports Company information
Product: Bank account or service

[ Case number : XXXX ] Bank of America did n't follow the law by allowing funds in my bank account to be levied even after I showed them supporting documents as well as the supporting CCP codes 704.140/704.160. 

Now a judgement has been ruled in my favor thus doing the job that BofA did n't.
Product: Debt collection

me and my XXXX sister are being targeted for eviction by XXXX XXXX XXXX XXXX XXXX for a mortgage debt thats not ours, they falsely put mine and my sisters names on a couple of notices to quit when technically it should have been my mother whos name is the only one left on the mortgage bill, they are working exclusively with ocwen who have actually defrauded my parents, they are terrorizing my sister who again is XXXX and is terrified that she's losing her home because of these scam artists i want them shut down and any entity that is associated with them.
Product: Checking or savings account

Capital One created a much higher rate Performance Account in XX/XX/year>, the same type account as my two lower rate accounts. Left me in the low interest accounts when I could have been earning a much higher rate. I called them XXXX and talked to two people at Capital One and they said I should have reviewed their accounts to see the rates, regularly. Would not do anything else.