23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo bank closed my account without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with XXXX   as well as sending them a certified letter for which I got no response. Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.
Product: Debt collection

I have previously requested verification of the debt in writing, yet the agency continues collection efforts and negative credit reporting without proper substantiation. Specifically, my complaints are as follows : 1. Failure to provide adequate validation of the debt upon my request.

2. Continued attempts to collect a potentially inaccurate or unverified debt.

3. Reporting inaccurate or unverifiable information to credit bureaus, harming my credit profile.

4. Engaging in harassing or misleading communication regarding the debt. 

These actions violate my rights under federal consumer protection laws.
Product: Credit card or prepaid card

I have a really extensive report to submit about Pay Pal Mastercard!! 

They have me listed with a lost or stolen credit card. 

I am XXXX years old and a Veteran of the XXXX XXXX in XXXX XXXX, Texas. 

Please help me!! 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the night of XX/XX/13 my wallet was stolen, nearly {$1800.00} was taken out of my account and the first thing I did was get in touch with my Bank ( Wells Fargo ) and inform them of the same. The transactions first went pending and in a day or two were authorized. I tried contacting the Police about the same and was told that I'd need to get a subpoena to gain access to the ATM footage. Since then, I've constantly been in touch with my bank trying to get my money back. I submitted a claim which after investigation was rejected. I provided the bank with screenshots and nothing has happened so far. I have an email from the bank stating that they suspected unusual activity on my account. All I'm trying to do now is to get my money back and the bank hasn't been helpful at all.
Product: Debt collection

Unaware of this account and they sold my information to a debt company
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

My issue with XXXX began on XX/XX/XXXX, the day I disconnected my service, please see attached return receipt.They then turn it over to XXXX XXXX see letter dated XX/XX/XXXX for the amount of XXXX, I then sent XXXX XXXX a certified letter disputing the amount owed, please find attached letter dated XX/XX/XXXX.Please see reply from XXXX XXXX dated XX/XX/XXXX, and XX/XX/XXXX that they are no longer going to pursue collection efforts. Please find letter dated XX/XX/XXXX, from Diversified Consultants for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XX/XX/XXXX.which they never responded, the debt was never verified.I then disputed this debt with XXXX, please find attached letter sent by certified letter dated XX/XX/XXXX,  outlining the reasons that this debt was never verfield.
Product: Money transfer, virtual currency, or money service

I am an XXXX  year-old man on a fixed income. I am XXXX  XXXX and am in XXXX  after battling XXXX for the last year and a half. On XX/XX/2020 I was having problems accessing my XXXX XXXX XXXX account on my TV so I asked my cell phone to call XXXX support. My phone said " I found this number for XXXX support on the internet, would you like me to call it? '' and I said yes. A man answered the call and identified himself as an XXXX support attendant. I told him I was having problems and he said he could see the issue but would need access to my computer to fix it. I granted him access. He said there were a number of issues to deal with and that he could see that someone recently purchased an XXXX XXXX on my account. I told him I had not made that purchase. He said he could fix it but would need my credit card number. I gave him the number. He said he accidentally credited my account {$3900.00} so he was going to correct that. He said he took care of the iphone charge but that it was going to take a while to fix my account because someone had hacked my computer and installed programs that were going to steal from me. He said I could go about my business while he worked on the problem. I left the situation and returned the next morning to check my computer. I found that he still had control of my computer. I called him and he said they were still working on the issues. I asked how much longer it would take and he said he wasn't sure so I again left the situation and went about my business. I returned to my computer on Monday, XX/XX/2020 and found that he still had control of my computer. I told him that if he didn't release control I would call the authorities. He released control and I checked my bank account to find that there were a number of credit card cash advances and wire transfers showing on my account. I immediately called the bank ( Wells Fargo ) to report what happened and let them know I did not perform or authorize those transactions. The bank closed my credit card and checking accounts and issued new cards and new checking account number. The bank said that they tried to recover the money wire transferred but when they did the receiving bank said there was no money to recover. Wells Fargo says that's all they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you
Product: Money transfer, virtual currency, or money service

I WAS A VICTIM OF 4 FRAUD INDUCED MONEY TRANSFERS REFERENCE XXXX ON XX/XX/XXXX, REFERENCE XXXX ON XX/XX/XXXX, XXXX, REF XXXX ON XX/XX/XXXX AND REF. XXXX ON XX/XX/XXXX, XXXX TOTALING OVER XXXX.MONEYGRAM NEEDS KEY IN THIER SYSTEM AS SUCH.
Product: Vehicle loan or lease

XX/XX/XXXX - I got into a wreck with XXXX XXXX XXXX. XX/XX/XXXX - I received a letter from Ally stating they needed 3 items ( police report, insurance info, and ally buyers order ) in order to process my gap claim. XX/XX/XXXX - I faxed all 3 items Ally requested in the XX/XX/XXXX letter. XX/XX/XXXX - I received letter from XXXX XXXX XXXX , XXXX ( XXXX  ) denying claim submission stating they did not get the information from Ally within 90 days. Early XXXX I called XXXX and they said they denied by claim because they did not get info from Ally. I called Ally and they said they had received my 5 page information sent on XX/XX/XXXX but did not send info to XXXX  because I did not file a claim. According to the XX/XX/XXXX letter it does not state I need to file a claim after I send those requested 3 documents. XX/XX/XXXX - I sent a letter to XXXX requesting an appeal for insufficient information that I received from Ally Financial. I did not know I was supposed to file a claim since the XX/XX/XXXX letter did not state I needed to take additional actions. XX/XX/XXXX - I called XXXX XXXX XXXX , XXXX at XXXX and they confirmed they received my letter but had not reviewed it yet. XX/XX/XXXX - I received another letter requesting I make a payment. In XXXX - XXXX from Ally called via phone and wanted me to settle the account with me. I told him the responsibility was on Ally to pay and he said he would check on it. XX/XX/XXXX - Received letter from XXXX XXXX XXXX, a debt collector, to pay {$9200.00}. I have attached all documents and notes referenced above to this claim. XXXX
Product: Credit card or prepaid card

This account was set for paperless billing ( Electronic Delivery of Statements ). 

The electronic statements on the First Page specify that there will be a notice on the front of the statement prior to the annual fee being charged. There was no " front '' on the electronic statement, and thus no notice for electronic statements. 

The letter attached was sent with proof of delivery to ensure that they would close the account in a timely manner. 

This account currently has a balance due of {$21.00} due to the {$29.00} Membership Fee Charged XX/XX/22.
Product: Debt collection

I moved into a house from XX/XX/XXXX and moved out of the house XX/XX/XXXX. My land lady forward the washington gas bill with an established account servicing the house. I paid off XXXX XX/XX/XXXX and inform them i no longer reside at the residence since XXXX. i move on with my life. XX/XX/XXXX. XXXX XXXX sent my information to collection agency in the amount of over {$300.00} with a new established account number trying to make me to pay them for service i dont know anything about. 

I called XXXX XXXX and they said the reading meter for that high bill started XX/XX/XXXX and someone actually paid {$400.00} in to that account but still owe them. Clearly XXXX have information of a check name or creditor name that paid and owe them but i dont know why they are harassing me and they also told me they cant remove my name from the account because the landlord never assumed responsibility for the account when i left in XX/XX/XXXX. This is not true because the accounts numbers from when i lived there to this ridiculous charges are XXXX different account numbers. This is a fraud against consumer. A manipulation to make someone else pay for bills of another. 

i emailed the land lady to call washington gas more than once and she never returned my emails. 

In the nutshellmy duration at the serviced house was 2 months XX/XX/XXXX- XX/XX/XXXXi paid them XX/XX/XXXXsent them all the documentation of moveout and payment XX/XX/XXXX after harrasement phone calls. 

they sent collection agency to me XX/XX/XXXX with new establishedXXXX XXXX account number with my name listed on it. My previous account number was different.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I havent been able to access my credit report or score since XX/XX/year> on XXXX XXXX which prompt me to login to XXXX site directly still no success. I sent in a dispute in writing regarding accounts that was fraudulently obatin and does not belong to me which one company has reported over 3 items fraudulently on my report by the name of Aargon company I sent in my photo id along with social security card which I had to get replaced because I havent had access to my social security card in years. I called transition advised them of the issue and keep being told its escalated to special handling team an someone would reached out within 3-5 business days hence its been 20 days no resolution I called again to today an still being told the same exact information theyre escalating again please allow 5 business days not giving me update on my dispute or credit file which should be against the law.
Product: Credit card

I received two notices from different sources claiming " unusual activity '' on my J.P. Morgan Chase on-line banking account. Both said I had to visit their URL to regain on-line access. 

I know this is a scam because I logged into my account and everything was OK. I also have a freeze with all three credit agencies barring any new CC accounts.
Product: Bank account or service

On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic.
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.C 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 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 602 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have asked Experian, XXXX, and XXXX  along with XXXX XXXX XXXX to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX Dear Credit Collection Services I am writing to request validation of the debt that you are attempting to collect i request detailed breakdown of the charges including the original agreement for services, documentation of my payments, and any other relevant information associated with this collection i have also written to all credit bureaus requesting the same As required by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the following : 1. Documentation that proves the debt is valid and that you have the legal right to collect it.

2. A detailed explanation of any interest or fees added to the debt.

3. I would like a complete and accurate record of any payments made on the debt, including the dates of those payments. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking that you provide me with the following information : 1. A clear explanation of the nature and amount of each interest and fee charge added to the debt.

2. The basis for each charge, including any legal or contractual basis.

3. Documentation or information supporting the validity of each charge Violation of my right according to 15 U.S.C. 1681 Section 602 : 15 U.S.C 1681 section 602 A states I have the right to priva
cy 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 A
ny 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. 

a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition Any person that furnishes information to a consumer reporting agency shall not furnish any information that it has determined is not accurate.

Until I receive this validation, I dispute the validity of this debt and demand that you cease all collection efforts immediately from all credit bureaus.

Please send this information to me in writing within 30 days of receiving this request. I look forward to your prompt response. 

See attached copies of my ID and social security Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery XXXX XXXX XX/XX/2019 received call asking for deceased Husband, when told he passed away " XXXX XXXX '' insisted to speak to him, asking when did he pass away told her XX/XX/XXXX .She insisted to know what year? .I told her I already sent you death certificate and all that information, She continued to ask in loud tones WHAT YEAR, What Year, Being Upset and woken up, I said this year by mistake, She then Said loudly and mad its XX/XX/2019 it cant be this Year. I then told her I sent you all this information including the death certificate.She hung up, I composed myself, best as I could being very upset to be woken up like this. Im XXXX years old. Then I called back, they would not give me that person to speak to.The person insisted on getting more personal information that was not his business, insisted they said we don't have access to that information. I told him the call was being recorded and told them if they call again I was turning the recording over to the lawyer in town. They kept telling me to verify everything I said, including getting my address and phone # Finally I said No I sent you certified Mail for everything needed for this address. Portfolio Recovery has also sent mail to all my relatives in other states, address to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is running me around and around in loops, knowing full well that I have the supporting document needed to correct my Credit Report. XXXX, my student loan servicers issued me an In-school deferment effective XX/XX/XXXX through XX/XX/XXXX, as I am back in school. I sent the In-school deferent along with my account statement showing the correct loan and the deferment showing XX/XX/XXXX through XX/XX/XXXX. My Experian Report currently shows I am 90 days for XX/XX/XXXX and 90 days late for XX/XX/XXXX, which absolutely decimated my credit score, which they refuse to correct even though they have the proper documentation and I submitted a proper dispute. I am being taken around the garden path and can get no assistance from Experian. Please assist me!