23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email from XXXX XXXX for an unauthorized service. During the conversation with XXXX XXXX with this company, he made a {$35000.00} wire transfer to my account and later said it was an error and that I URGENTLY needed to go to Wells Fargo to wire the money back. Upon getting to Wells Fargo XXXX XXXX greeted and helped me at his desk. He allowed me to make this transfer back to XXXX XXXX WITHOUT ever checking my 40+ years of banking history and following protocol to protect their XXXX customers. My daughter went to speak with XXXX personally on XX/XX/XXXX, and ADMITTED to seeing all the red flags with this transaction but STILL failed to protect his customer and allowed the wire transfer to be completed to a bank in XXXX. I have spoken with a previous Chief Executive Manager of Wells Fargo and she has even said Protocol was not followed to protect me. I have banked with Wells Fargo for over 40+years and have NEVER made an international wire transfer and if PROPER PROTOCOL WAS FOLLOWED THIS TRANSACTION WOULD HAVE NEVER HAPPENED
Product: Credit card or prepaid card

I received an email from Avant Credit card company questioning if XXXX attempted charges to my card were legitimate, which they are not. They had a phone number to call. I was concerned it was a scam email so instead I have tried calling the phone number on the back of the card and the phone number provided on the website. I have called multiple times since receiving the email yesterday ( XX/XX/22 ) at XXXX central time. You are placed on hold and nobody picks up. I have called a dozen time and waited as long as an hour and a half with no answer. I tried reaching out to them through the support on the website and they just email me saying to call, and again nobody answers. I have even tried selecting the option for reporting a stolen card when calling and still no answer. There is no option on their website to freez, de-activate or report a stolen card. At this point I am concerned about more fraudulent charges being made and I am getting 0 help from the company. While looking at their XXXX XXXX I can see several people are in the same situation with fraudulent charges and getting 0 response or assistance from Avant. At this point I just want the fraudulent charges taken care of and to close my account, but their is no way for me to get in contact with the company to do so. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

I have sent written request on multiple occasions tog the XXXX XXXX XXXX XXXX XXXX XXXX requesting VALIDATION of a debt that is listing on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). THD failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.
Product: Debt collection

I noticed my identity was stolen last year and had put a fraud alert and freeze on my credit reports swiftly. Despite this the identity thief still tried to obtain an apartment with XXXX XXXX XXXX in XXXX, South Carolina. I found out when a debt collection was put on my credit reports for an unpaid apartment fee of {$350.00} from National Credit Systems even though I had fraud alerts and a credit freeze up when this person applied for the apartment and no one tried to contact me to make sure the application wasnt fraudulent. I called National Credit Systems to find out why and they gave me the info of XXXX XXXX XXXX where the debt came from. When I called to try and obtain information from the apartments they said they would have to talk to their manager to release the tenant application that was in my name. They then sent an email saying I would need to get my lawyer to talk to their lawyers for my civil case. No lawyers were mentioned on the phone and I was simply asking for the tenant application the identity thief put in my name which is my right to do as an identity theft victim. I emailed them back on XX/XX/year> requesting the tenant application information attaching my identity theft report from the FTC and giving them the reference number to the police report I filed in XXXX. I have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this complaint against Experian due to their failure to properly investigate and correct inaccurate information on my credit report, despite multiple dispute submissions. 

Summary of the Issue On XXXXXXXX XXXX XXXX, I sent a formal dispute letter to Experians National Consumer Assistance Center regarding multiple inaccuracies in my credit report. I provided specific details about the discrepancies, including incorrect personal information and inaccurate account data. 

On XXXX XXXX XXXX, I received a response from Experian via email, indicating that they had received a request regarding my credit information that was not authorized by me. However, this was incorrectI personally submitted the dispute and did not authorize any third party to act on my behalf. 

On XXXX XXXX XXXX I followed up with another dispute letter reiterating my concerns and emphasizing my legal rights under the Fair Credit Reporting Act ( FCRA ) to have these errors corrected. Despite this, I received the same automated response from Experian again, failing to acknowledge my dispute properly or take corrective action. 

Details of the Inaccuracies Personal Information Errors Incorrect date of birth Incorrect current address and previous address Incorrect employment information Inaccurate Account Information Multiple accounts show incorrect balance, payment history, and status Some accounts are not consistent with other credit bureaus Several accounts appear with wrong dates of last activity, incorrect reporting status, and misleading data Unauthorized Credit Inquiries There are multiple unauthorized inquiries on my credit report that I did not initiate Violations of the Fair Credit Reporting Act ( FCRA ) Experian has failed to conduct a reasonable reinvestigation of my disputes as required under FCRA Section 611 ( 15 U.S.C. 1681i ).

They have ignored clear evidence of inaccuracies and provided automated responses without properly reviewing my complaint.

Their failure to properly investigate is causing harm to my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Debt collection

Dear Sir or Madam, I am writing to file a formal complaint regarding an inaccurate and potentially unlawful collection entry that has reappeared on my credit report after previously being deleted. I have been actively monitoring my credit and have noticed that a collection account, which was removed in the past, has been re-verified and re-reported by the creditor, despite the fact that it was previously deleted from my credit file. 

Here are the details of the collection account in question : Creditor/Collection Agency Name : LVNV Funding/ Resurgent Capital Services Account Number : XXXX and XXXX Credit Bureau ( s ) Affected : XXXX, XXXX XXXX XXXX Dear Maam/Sir ; This collection was deleted from my credit report, as confirmed by the XXXX, XXXX and XXXX after I disputed its accuracy. However, I have since observed that the same collection account has reappeared on my credit report, marked as " verified '' again. 

I am concerned that this account is being reported inaccurately and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and assist in ensuring that the erroneous collection entry is removed permanently from my credit report, as it was previously verified as inaccurate. 

Please let me know if you require any additional information or documentation to support my case. I appreciate your attention to this matter and look forward to your prompt resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

i am 27 days behind on my mortgage because of trying to get clarity on what i owe so i called ocwen sunday and wednesday to find out what i owed.before i called i went on the internet and they said i owed XXXX dollars and on the automated call it said XXXX dollars.I called the relationship manager XXXX XXXX and he said that i owed XXXX dollars and i called relationship manager Somya XXXX and she told me at first XXXX and then XXXX.I asked for a breakdown from XXXX XXXX and was told that my basic mortgage was XXXX but i had late charges of XXXX and i had a suspense payment of XXXX XXXX cents which is called unapplied funds.I paid XXXX and a XXXX late charge.he told me that because i owe late charges my late charge doesnt count it goes to unapplied funds.he told me that not only do i owe late fees but i owe XXXX cents of miscellaneous charges in which he says could be anything from property inspections to whatever to certified mail in which i dont receive.I dont have to know that they are doing a property inspection they just drive by and then charge me.when i called last month the relationship manager told me to pay XXXX and late charges XXXX.I was told by XXXX and XXXX that if i dont pay the full bill it will get higher and higher.This is what they do adding on extra cost and extra charge until i be in foreclourse.NO CLARITY
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Amex back up after the first employee intentionally disconnected the phone on me after putting me on hold. I was eventually connected to another employee who actually seemed like she wanted to help. She was instead directed to send me to the Executive Office- a remnant of years ago when the company unilaterally closed my account in retaliation for me reporting its abuse. This further wasted my time. 

I proceeded to call this Team and the employee could not explain why I did NOT receive an email from the XXXX guide for XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, all of XXXX and going back into XXXX. She just kept victim blaming saying I must have signed up for it again. 

Nope. You all unilaterally signed me up for it. 

She then acted like it was not part of AMEX but a separate company, while the email I received literally prompts the user to open an AMEX website. 

She also told me there was an unsubscribe button on the bottom of the email. No there is not. 

The AMEX employees just never seem to know what is going on. It does not matter what the service or issue is nor what year it is. Your employees constantly provide employees with incorrect information while wasting customer 's time. And then you victim blame customers as this waste of time aggregates into abusive absurdity.
Product: Debt collection

I have received numerous phone calls at work from Wilson, Riley and Associates at XXXX leaving messages that I need to call back immediately or face legal repercussions. I do not have bad credit or any outstanding debts. I called back and the male that answered the phone was very rude and disrespectful. I told him not to call me at work, I am not XXXX XXXX and I was going to report him for contacting me. He said he is within his rights to contact me and to have fun trying to file a complaint. I do not want this company calling me and harassing me at work. I could lose my job for having personal phone calls like this. My job also does credit checks and my good credit is dependent on me keeping my job. This is creating a stressful unnecessary hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I have submitted a complaint with experian over 30 days ago via certified mail and their online dispute center. I enclosed two forms of identification a utility bill and my driver license which knocks out their claim that they can not verify identity. I have a XXXX XXXX XXXX account that is infactual and does not belong as stated in the dispute requests sent to this bureau on multiple occasions. Please see the enclosed documentation in response to taking longer that 30 days and not sending out investigation results and leaving the status as pending. I seek the CFPB help in them violating FCRA laws.
Product: Debt collection

I had thought the bill was paid and asked for proof of final bill. After several attempts I paid the bill and they said they would remove this off my credit with a deletion letter and now won't give it to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Debt collection

XXXX XXXX XXXX is on my credit report as the collector for MBNA. I, at one time, had an MBNA credit card. I did a balance transfer in XXXX of my MBNA account balance to my Bank of America Credit Card to take advantage of a lower interest rate promotion. The MBNA credit card was closed with this transaction. I closed my Bank of America credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to B of A until I could no longer do so. I stopped paying Bank of America in XXXX or XXXX. Bank of America this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX XXXX XXXX XXXX XXXX and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the XXXX , XXXX collection for MBNA I saw the error. Record of my MBNA balance transfer must have been made available in the post-merger Bank of America files, sometime after XXXX merger of the banks. I do n't owe any money to MBNA. Bank of America paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with MBNA for over a decade. I 'm paying whatever portion of the Bank of America credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the MBNA credit card account, in monthly installments to IRS. At best this collection account is too old and MBNA stated mistakenly as the original creditor, so it would appear to be a separate debt from the Bank of America credit card charge-back. XXXX , XXXX on behalf of MBNA appears to be using old, settled debt to pressure me into paying them money not owed by me.
Product: Credit card or prepaid card

on XX/XX/XXXX XXXX closed my account without reason affecting muy credit score on XX/XX/XXXX XXXX XXXX closed my account without any reason on XX/XX/XXXX best buy/cbna closed my account without reason due the bureau credits send the order on XX/XX/XXXXXXXX XXXX XXXX closed my account without a reason All those account closed in my credit bureau with the remarked " CANCELED BY XXXX XXXX '' affected my credit report in a really bad way, my credit score still been affected because every time that i paid they reduce my credit limit and also closed accounts without any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX 9.  XXXX XXXX XXXX
Product: Debt collection

The company has asked that I pay a debt for {$670.00} & {$53.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  that they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX  keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM