23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the XXXX  data breach and my have gotten in the hands of the wrong person like scammers.
Product: Credit card or prepaid card

This account was closed, was in payment program with payment of {$100.00} to be made XXXX of every month. 
My credit card account had a balance of {$2000.00}. I called on XX/XX/XXXX and made a payment with the help of customer service representative. He gave me a confirmation number. The amount was showing pending for several days. On XX/XX/XXXX, I checked the account online ( as XX/XX/XXXX was Sunday ) to see if it's paid off, but found my {$2000.00}, presumably, reversed and instead the {$100.00} amount processed for it. 
I contacted customer service, talked with several of their representative, I even called the collection department, but they all in one voice say that they don't see a {$2000.00} processed. To my question, how can I ask to investigate, to go to the record of my phone call and confirm that I made the payment, they said that there is no such department that will investigate it and they're just sorry for what happened.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights. 
I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I have sent in several dispute letters via certified mail, the bureau has failed to investigate the accounts in a timely matter and block them from the consumers credit report while the investigation is being completed. I am asking for assistance to expedite this matter and investigate them immediately. Thank you
Product: Credit card or prepaid card

On XXXX XXXX, I had to cancel the international portion of my scheduled flight. On XX/XX/2022 i contacted Wells Fargo by telephone in order to request a refund of my unused points. I have attempted many times by telephone to reach out to Wells Fargo and my first call was in XXXX and now it is XXXX and I have not received the reimbursement. Every time I call, the supervisor terminates the call in progress when he or states that they need to review the file. Please Help! This is unfair! 

Wells Fargo Rewards MemberShip Number : XXXX
Product: Checking or savings account

I was involved in a pretty bad scam with Capital One, Im a XXXX year old who works full time and I am living on a dream here. 
I was sent XXXX on XX/XX/XXXX from XXXX XXXX all went without fail and I was able to retrieve the money and everything went smoothly. Then on the XXXX  XXXX sent me a sum of XXXX and gave me proof and information which I could show and prove of the transaction being authorized by said person. 
However, Capital One froze all my accounts and wont let me access the money because of some type of UN-authorized transaction but when I spoke to them they could not and still cant tell me any information on why this might be when I have proof of the instructions givin to me and the prior instructions on the XXXX running smooth and according to plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within two days ( 48hours ) from an agent from the billing department. I was never contacted, rather late payments were reported to my XXXX and Experian consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
Product: Bank account or service

To Whom it may concern : I recently opened a checking account with Key Bank and received a letter in the mail this weekend that my account is being closed per their " Deposit account agreement and funds availability policy. '' I went to the local branch and they could not answer what this was about as they saw no unusual activity on the account. In fact the only unusual event was that my opening deposit I submitted online from My XXXX XXXX account entered my Key account but was sent back to XXXX XXXX. After this every electronic transfer was fine and had no issues ( the bank branch could n't explain that either ). 

I 'm more concerned I called the depart I was advised to call and they were unable to provide anymore information than " the account was being closed per the policy. '' How can they close an account with no explination to the consumer? I have a right to know what is going on and why they were taking that action. 

On another note I want answers because my tax refund was paper filed this year due to my wife 's XXXX status and being a first time tax filer. My refund is scheduled to enter the Key Bank account however it will no be closed by the time they submit my refund. This is a problem as I can not change the bank account information after filing and Key will not explain anything to me. I am afraid I will never get my tax refund back at this point.
Product: Debt collection

William and Fudge , Inc. sent me a text message regarding an amount owed to them. I have no knowledge of this company or who the original debtor is. I reported the message as spam. On XX/XX/23, I received an credit karma notification stating that there was a new account in collections added to my report. 

In accordance with Section XXXX - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interests or fees except those allowed by the original contract and state law. 

Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Fair Trade Commission and the Better Business Bureau.
Product: Debt collection

1. Someone changed our account from an unlimited account to a limited account. XXXX did not authorize the change and NEVER authorized anyone else to make the change that change. 
a. In trying to trace this down we were told XXXX does not offer a limited business account. How could this have happened. XXXX has had an unlimited account for decades. 
2. We tried numerous times to get the matter resolved and our account credited for the over charge. Our online access was limited to payments only. We could not access the account settings due to it being classified as a bus. account and was managed internally. Our attempts to get through this firewall failed. XXXX was restricted from accessing our own account. 
3. Attempts to have this matter rectified through phone support or WEB chat failed as well.

4. XXXX was only given access to offshore/foreign support. The connections were noisy and the agents spoke very poor/broken English.

5. We have requested a detailed billing history for the last three ( XXXX ) years. Instead of receiving that, we received the last billing statement. 
6. We have been promised numerous times that our account representative would contact us. This did not happen.

7. We have got nothing from XXXX but lies and unfulfilled promises. 
8. Our records indicate that XXXX has overbilled XXXX. 
9. WE OWE THEM NOTHING! THIS DEBT IS CONTESTED! 
10. WE HAVE HAD THE SAME ACCOUNT WITH THE SAME CARRIER SINCE 1987, XXXX YEARS.
Product: Credit reporting or other personal consumer reports

As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company.

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # XXXX
Product: Credit card

Wife attempted to purchase wigs for herself condition. The company did not send. We attempted several times to contact with no reply. After we filed a dispute the company created a shipping label but the items were redirected back to the merchant and never delivered. I provided the USPS shipping tracking to the Citi bank dispute center and they keep saying that they are unable to attain the funds back from merchant so Im liable. I explained that this is fraud and they are a financial institution and are to issue a charge back to the merchant and refund for goods not received. They then tried to play XXXX XXXX and say well how about you accept {$250.00} in return and forget the {$410.00} your being charged. I refused and have attempted to resolved with many calls. Even after providing proof of the return of products to the merchant the citi bank is refusing to issue the charge back and attempting to charge me for items because they said we are unable to reach the merchant. Because they do not answer the phone. That is not my issue or concern. They are a big financial institution and can hire collections agents to go knock on the business doors or levy a lean against them for money owed hit to be complicit with this fraud is unconscionable. 

XXXX XXXX  is the merchant and Citi Bank is the credit card company assisting in this fraud.
Product: Mortgage

I pay into an escrow account each month. Received a delinquent property tax notice in the mail from the county. Escrow was supposed to pay the taxes but had not paid them before they were due. I reached out to them 19 days before taxes were due. Did not receive a response. Attempted to contact them twice more before the taxes were due and received no response. Had to pay taxes out of pocket to avoid further fees or forfeiture. Contacted them and they are not reimbursing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX
Product: Mortgage

I have been trying to work out a debt with Wells Fargo but they just keep asking me for more and more documents. I started my process in XX/XX/2018 and it has been a down hill battle. Constant requests for information that seem irrelevant, including my divorce decree which I was told if I did not send it in I would forgo the right to a modification. Communication is a lost hole and people trying their best to resolve matters are lost in the process. I thought I would be successful in making my loan program but it doesn't seem to be the case.
Product: Money transfer, virtual currency, or money service

OK I noticed at around XX/XX/XXXX. I was having problems with my cash app so my cash app was connected to my XXXX account so around about XX/XX/XXXX is the date that everything got missing so XX/XX/XXXX which was a Sunday I woke up to find out only had XXXX XXXX in my account Made me go check on my bank account and I seen a bunch of cash app withdrawals and I never ever send that kind of money through cash app. It was a bunch of {$500.00} {$300.00} {$100.00} {$200.00} {$600.00} and I never did that so I could not get anyone on the phone at the bank Because it was a holiday weekend so I had to wait till that Tuesday so Tuesday came and finally got somebody on the phone and that point they didnt seem like they was really trying to help me retrieve my money but as I stated to them which it read on their website that my account is protected by XXXX XXXX or XXXX insurance so as soon as I mention that I get an email stating that they have closed my account and I would not be able to reopen it. I let them know that there is scammers at her call doing a thing called cash app XXXX XXXX glitch Which is where theyre getting your XXXX XXXX or cash app information and they steal your money to a dummy account or send it to somebody elses cash app I dont really know I sent them proof from someone else who got {$39000.00} took from them same night and I just keep getting reports back stating they no error. Of course youre not gon na see an error, when they are cloning, my account on my card is going to appear like its me I reached out to cash app cash app has not responded only with the investigation, but would not wit the resolution
Product: Credit card

My credit card Discover card, has allowed a fraudulent charge to post and remain on my credit card account. The amount is {$1.00}, XXXX XXXX XXXX I have supplied Discover card with documents and proof numerous times and they still left this charge on my account. I want this fraud charge removed off my account.
Product: Credit card or prepaid card

My card was used without my permission, consent, or authorization to make purchases and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Experian to dispute a fraudulent charge off account with XXXX XXXX XXXX. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to Experian. On XX/XX/2021, I got an alert from Experian saying that the account was completely paid off. I never made a payment. I called Experian on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for Experian Special Services ) that the account had been blocked for fraud previously but XXXX XXXX XXXX sent Experian documentation of a loan in my name and SSN. I asked why Experian has never sent me this documentation and was told that I have to contact the creditor because it's not Experian job to send documentation that validates a debt.
Product: Bank account or service

I bank with Bank of America.I had a check deposited after XXXX on XXXX/XXXX/2015. My balance at that time was XXXX. The local banks were closed at the time. When I checked my bank account the following day it showed an overdraft fee of {$35.00}. I contacted the bank and they advised me that the check was processed between XXXX XXXX and XXXX on XXXX/XXXX/2015. I had a direct deposit into my account at XXXX on XXXX/XXXX/2015. In the past I have received notifications from my bank stating that I had until XXXX to make a deposit in order to avoid an overdraft fee. I received no such notification from them for this overdraft. The bank refused to reverse the overdraft fee. The check was specifically deposited after close of business to avoid an overdraft fee. They could not give me a reason as to why I was not allowed until XXXX on XXXX/XXXX/2015 to make a deposit. They show the deposit as occuring on XXXX/XXXX/2015 even though it was not processed until XXXX/XXXX/2015. I should have been given until the deadline of XXXX on XXXX/XXXX/2015. even if the check was processed at XXXX a deposit occurred XXXX hours later. I feel that this was an unfair practice by my bank. in order to charge me an overdraft of {$35.00} so taht they could make money.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item 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 item 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$780.00} XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00}
Product: Debt collection

Complaint and Demand for the Total Payoff signed by authorized officer from alleged owner of my alleged " debt '' On XX/XX/2022 someone filed electronically signed by XXXX XXXX ( likely a non-existing person ) acting as " PennyMac Priority Complaint Specialist, where he informed me that my alleged " loan '' was referred to foreclosure on XX/XX/2022. 

I did not received ANY 30-days Demand letters from anyone or ANY Notifications that my alleged " loan '' was referred to any foreclosures.

According To the contrary, I received 5 consequitive letters from real Servicer, XXXX XXXX XXXX who offered me modifications and directed me to send my payments to XXXXXXXX XXXX During all time in question all correspondence and letters were mailed to me by other parties, not PennyMac who renters their name to other undisclosed to me parties. 

Alleged " Notice of Default '' was mailed to me by XXXX ( owner of XXXX who forged fraudulent affidavit ) and XXXX XXXX XXXX, not by PennyMac or the alleged " owner '' XXXX XXXX. 

XXXX XXXX has no records of any PennyMac activities as someone claims. Yet, XXXX XXXX is as of today listed as Investor for my alleged " loan - while someone claims that PennyMac is an Investor. 

Foreclosures can be only ordered by the owner of my alleged obligation. As of today nobody provided any proof of ownerhsip or even existense of my alleged loan. 

Again, I never received any 30 Days Demand letter signed by a Responsible Employee of my alleged Creditor. 

I paid all my taxes and insurances while alleged " Servicer '' PennyMac '' did not even contacted me about it However, I found an alternative financing from a relative who wants to sell her property to help me to pay want tmy alleged " obligation '' in full. 

I want to pay my alleged obligation in full and demand PennyMac to provide me a total payoff statement, signed by an authorized individual officer who is responsible for administration of my alleged loan, accompanies by a certified copy of my accounting ledger signed by the accountant who maintains it and make me an appointment with PennyMac 's responsible employee where I can deliver my payment, in certified funds, and pesonally handle it to PennyMac 's financial officer who will provide me a certified by the owner of my alleged obligation release of this alleged lien.
Product: Mortgage

On XX/XX/XXXX, my homestead property was judicially sold to satisfy the unpaid balance of a promissory note I had executed in favor of XXXX XXXX XXXX back in XXXX, XXXX. 

The then-current holder of the Note was XXXX XXXX XXXX XXXX XXXX XXXX, the trustee was XXXX XXXX, XXXX, and the servicer was XXXX XXXX XXXX 

As of the sale date, the unpaid balance of the Note was {$680000.00} inclusive of unpaid interest added to the principal under the terms of the Note. 

However, according to the XXXX 's records, a withdrawal of {$60000.00} had been made from my loan account in XXXX, XXXX without my knowledge or consent. This artificially increased the loan balance to {$740000.00}. And when the loan was liquidated in XX/XX/XXXX, the XXXX recorded a prepayment of {$760000.00} and reported a {$25000.00} gain.