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

XX/XX/XXXX : I received a phone call claiming to be Wells Fargo to inform me of potential false charges on my account. They had my cell phone number, credit card number & address. They confirmed my identity by texting my cell phone. I did not give any personal or identifying information. Because I was uncertain of the legitimacy of the call, immediately after, I contacted Wells Fargo directly via phone. The representative stated Wells Fargo never called me to report false charges. I had both my credit card and debit card deactivated as a precaution. 
XX/XX/XXXX : False charges first appeared on my credit card account but were dated to have occurred on XX/XX/XXXX. The charges appeared as follows : 1. $ XXXX XXXX 2. $ XXXX XXXX XXXX 3. $ XXXX XXXX XXXX As soon I saw the charges, I contacted Wells Fargo via phone to report the fraud. The representative stated the charges would be reversed and an investigation would take place. They reassured me I would not be held responsible for these charges. The money was credited back to my credit card account that day. 
I also filed a police report to XXXX XXXX that day to report the fraud. Report # XXXX XX/XX/XXXX I received a letter in the mail from Wells Fargo dated XX/XX/XXXX stating " We have completed our research of your claim about unauthorized transactions on your Wells Fargo credit card account. We have found that no fraud occurred or that the transactions were authorized. '' The charges were then added back to my credit card account. I called Wells Fargo after receiving the letter and they stated they would re-open the case per my request and also file a complaint to the executive committee. They stated I would be expected to receive a phone call from the executive committee within 24-48 hours. 

XX/XX/XXXX I called Wells Fargo after not receiving a phone call. The representative assured me the case would be re-opened and I would receive a phone call from the executive committee within 24-48 hours. 

XX/XX/XXXX I called Wells Fargo again after still not having received a phone call. The representative stated that he would have a supervisor call me within 24-48 hours. 

XX/XX/XXXX I received a phone call from Wells Fargo. The representative stated that he was a supervisor and had reviewed my case. He stated my case was officially re-opened for review. He indicated that my case had been improperly handled and had not been considered fraud in the first review. He stated my case absolutely classifies as fraud but he could not guarantee that the charges would be removed. He stated that Wells Fargo had received the faxed police report and that he expected the charges would be reversed after further review. However, it would take 10-15 days until I hear anything further. To date, I still have the total amount of {$8200.00} owed on my credit card account which I did not spend.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, 168 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$310.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$310.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are trying to get me to buy and use their own products to protect my credit after the Equifax security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.
Product: Credit card

XX/XX/year> XXXX purchase XXXXXXXX XXXX  ( {$380.00} ) was an airline purchase direct on airline website which per the terms of my American Express platinum card earns XXXX points. I was only provided with XXXX points and still owed XXXX additional points. 

All amex keeps doing is tell me to contact later and that it isnt their fault even though they are the ones that are mislabeling the charge. They gave me a confirmation # XXXX they said takes 10 business days and try chatting back. 

Merchant has confirmed that on statements name shows as XXXX but it is direct airline carrier purchase from XXXX and have invoice from airline along with emails confirming this Amex isnt helping me or providing the rewards points I should be earning as part of my {$690.00} annual fee.
Product: Mortgage

At the beginning of the pandemic, I have tried to speak to XXXXhellpoint Servicing Company, who are the servicers of my loan. I had initially requested a forbearance in XXXX which they had granted for 3 months easily. Then in XXXX I submitted a request for extension via their website portal. I had not received any response and in XXXX my account was past due. I called several times and finally spoke to someone that told me that the extension could not be processed because they were missing documents from me. I was not aware that I had to submit any documents, other than attesting my hardship which I did when submitting the request. On XX/XX/XXXX, I sent the documents. With no reply I kept sending them via fax and email. On XX/XX/XXXX, I finally received a response that the letter is not accepted due to it not having a signature. At this point the account is 2 months past due. I submitted it promptly and I received an email on XX/XX/XXXX, stating that there have been " several attempts '' to contact me, which is untrue. Finally on XX/XX/XXXX, I see in the web portal that the forbearance extension is processed but now the due date is 9 days away. I request for an extension for until XXXX at least. Through much back and forth, I was notified on XX/XX/XXXX, my extension was granted at the maximum that they allow, which is 6 months from XXXX. That means my account is now due again. I have tried to contact them regarding extending it further but there has been no response. Still to this date, XX/XX/XXXX, I have received no response, even though I have made several attempts to contact them. 

I have been continuously trying to contact them and it is a very arduous process to have anything accomplished. They finally extended my forbearance for a month, but it took them a month to do so and now my payments are due again. 

Their business practices are very frustrating as it is difficult to get anything accomplished within a sensible time frame. They consistently say that there has been " several attempts '' to contact me but that is untrue. I have been patient but with the forbearance payments past due I am forced to take action as it seems my efforts have been in vain. I know that the loan is not federally backed so it is not protected under CARES act, but I still would like to have a response in a timely manner so I can figure out what to do without having to worry about losing my home.
Product: Credit reporting or other personal consumer reports

Subject : Dispute : Failure to Conduct Reasonable Investigations as Highlighted in CFPB Lawsuit Dear Equifax, Experian and TransUnion I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as my formal Round 2 dispute regarding the following accounts : 1. XXXX XXXX-These account are reporting inaccurate despite no supporting documentation 2. XXXX XXXX XXXX XXXX -This account is not mine and remains unverifiable. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPBs complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. 

As per the FCRA XXXX ( XXXX U.S.C. XXXX ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 

2. Furnish me with the Original contract of these debts, 3. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPBs findings and your previous handling of my dispute, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Conduct a thorough and reasonable investigation into the disputed accounts listed above. 

2. Delete or correct any unverifiable, inaccurate, or incomplete information. 

3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 

4. Send me an updated copy of my credit report reflecting any changes. 

I have included copies of relevant supporting documents and identification to aid in your investigation. Under FCRA XXXX ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. 

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 


I sent certified letters to TransUnion, Eqifax and Experian as my second attempt to resolve this matter,
Product: Checking or savings account

TERMS : Free Checking Bundle Bonus : Get {$300.00} when you open a Free Checking account with {$50.00} minimum opening deposit and open a Savings account. Earn {$300.00} when you open a Free Checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening, ( 2 ) Enroll in eStatements, ( 3 ) Open a new savings account. 

Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. 

- XX/XX/2020 : Opened 'Free Checking Bundle ' through First Citizens Bank website per the direct link provided via direct communication with the offer code and according to the terms of the promotion. {$1000.00} deposit to each of 'Free Checking '  account and 'e.Savings ' account. 

- XX/XX/2020 : Enrolled in eStatements. 

- XX/XX/XXXX - XX/XX/XXXX : Completed 10 debit card transactions within 90 days of account opening. 

- XX/XX/2020 : 120 days after all qualifiers have been met - {$300.00} has NOT been credited to the account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Attempting to log in to my account even with the correct info will tell me the username and password do not match up despite it working days prior. 

If I try too many times with the correct info, it will then lock the account and prompt me to reset the password out of security concerns even though again, I am 100 % certain I have the correct username and password. 

At times, even when I reset the password. I will still be unable to log in and be given the same issue, telling me the username and password do not match up.
Product: Debt collection

There no debts owned to the provider XXXX under account number XXXX for my son XXXX XXXX XXXX Attachment with XXXX ( XXXX  ) BALANCE can be found.
Product: Student loan

Calls are being made to all different numbers that they are not authorized to do. I 'm being harassed at my job, family, and individuals information they are getting from a third party. This is not right. I specifically updated my account what number they can call. They continue to harass me daily on different numbers. I know this is against the law. I have recordings on my work voicemail showing they called.
Product: Money transfer, virtual currency, or money service

I purchased two {$500.00} each money order from XXXX XXXX XXXX XXXXXXXX. Western union money orders put in my bank and bank charge me back {$1000.00} plus fees I can not get a hold of anyone at Western union for help XXXX XXXX XXXX wasn't helpful I spoke to the manager and he was no help.
Product: Credit reporting or other personal consumer reports

I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX SELFREPORTED - XXXX XXXX  SELFREPORTED - XXXX XXXX  SELFREPORTED - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with fair credit reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.
Product: Debt collection

XXXX XXXX Referencing the above CFPB case numbers, this is proof that XXXX XXXX XXXX is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with XXXX XXXX XXXX and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from Transworld on behalf of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters. 
The collection company is FIRST COLLECTION SERVICES in Arkansas.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and several things listed is a result of aggravated identity theft. I am a living personal and please don't closed this case without providing full investigation of all accounts, names and inquires listed on my report attached. I stand firm on 15 USC 1681c-2 . Please honor my request and remove these accounts from my credit report immediately.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I.C. SYSTEM, XXXX XXXX Balance {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, the consumer of the report Equifax is improperly reporting on, contacted the company for a second time. I informed them that their investigation results were invalid and inaccurate. I informed Equifax, I never gave them authority to acquire or furnish any of my non public financial information. 

In a letter dated XX/XX/XXXX, the company responded requesting further personal information, not needed, as per the CFPB 's dispute tool. They informed me that they would not be proceeding with my disputes, until I disclose this information to them. I never disclosed my initial information to them, and they have no legal right or authority to furnish information without my authorization/consent. 

My initial dispute, dated XX/XX/XXXX, was returned as verified, which I did not ask for verification, however, since they claimed this to be verified, as per the CFPB, and FCRA, they must provide me with method of verification, who verified this information and it must be done within 30 days. 

These are clear violations of Federal Law and my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I have file numerous complaints to the FTC and CFB in reference to two XXXX  XXXX accounts that appear on my credit file fraudulently. 

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605 b ti the Fair Credit Reporting Act