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

In this case, I disputed 3 charges with Wells Fargo, which were {$610.00} each. Wells Fargo then provided me with 3 provisional credits for the 3 disputed charges. ( Screenshot attached ) A week later, ( on XX/XX/18 ) Wells Fargo sent me a letter ( attached ) stating that the merchant had refunded one of the {$610.00} charges ( on XX/XX/18 ), and that Wells Fargo will re-charge for the corresponding provisional credit they provided, however, they never did, until XX/XX/18. ( over 100 days later ) I believe the former was not timely, since the bank did not re-charge within a reasonable time-frame in accordance with UCC Chapter 4-215.

The other 2 disputed charges were refunded by the merchant on XX/XX/18. ( Screenshot attached ) On XX/XX/18, Wells fargo subsequently sent me an email / letter ( attached ) stating that the other 2 provisional credits, which were for the remaining 2 charges, have now become permanent. 

Specifically, they said, " We are pleased to let you know that the temporary credit we posted to your account for {$610.00} on XX/XX/2018 is now permanent. 

Your dispute is now closed. 
A dispute final close letter will be sent through the US postal service. '' However, on XX/XX/18, they re-charged for these 2 provisional credits they placed on XX/XX/18. I believe all 3 re-charged amounts, which Wells Fargo re-charged on XX/XX/18, were not timely, in accordance with UCC Chapter 4-215, and possibly in direct violation of Banking Regulation E and Z, in addition to other compliance regulations Therefore, I believe their right to re-charge should have been forfeited. If so, Wells Fargo should be required to credit back the 3 {$610.00} charges. 

The timeline is as follows : Timeline : XX/XX/18 - Disputed 3 charges for {$610.00} each XX/XX/18 - Wells Fargo sent letter stating, " We have closed your dispute Dispute Number : XXXX Date Posted : XX/XX/2018 Merchant Name : XXXX *XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Credit Posted " We are pleased to let you know the merchant has refunded your account for {$610.00} on or around XX/XX/2018. 

Your dispute is now closed. 

If we temporarily credited your account while we investigated your dispute, well remove our temporary credit by re-charging your account. The merchants credit will remain on your account. 

A dispute final close letter will be sent through the US postal service. '' However, Wells Fargo never recharged for this provisional credit til XX/XX/18. 

XX/XX/18 - The remaining 2 disputed charges were refunded by the merchant ( {$610.00} x 2 ) XX/XX/18 - Received Email / Letter notifying me that the remaining 2 credits are now permaneant. ( Even though the merchant provided refunds for these provisionals on XX/XX/18. ) XX/XX/18 - Wells Fargo re-charged {$610.00}, 3 times.
Product: Debt collection

I sent a letter to Deville Asset Management at the address they provided to XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX. That mail was returned to me as undeliverable. That address is not valid, therefor they are not reporting 100 % factual information to the credit bureaus. These are violations of the FCRA and FDCPA. HELP ME!
Product: Credit card or prepaid card

XXXX XXXX keeps ignoring my request to discharge debt as fraudulent debt the charges are fraud related. and stop calling my cell and family cell numbers.FURNISH COLLECTION AGENCY INFO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX POLICE DEPARTMENT XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX/XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX  Inquiry date XX/XX/XXXX Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WISCONSIN, XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Debt collection

I was charged from a apartment complex because I broke the lease. The maintenance man was XXXX/ coming in the apartment on my wife. My wife paid Fabco off in late XXXX early 2016 they never gave us a receipt for anything. Now it is on my credit saying we owe {$290.00} but when my wife called they said we owe {$190.00} and said we never paid this debt off. They were horrible to work with to pay it off in the first place. The amounts showing on my credit are not correct and not the same as they say we even owed total. They are saying my wife called in in 2016 and said we were not paying them anymore, which is not true. What we are being told over the phone is incorrect and nothing matches up. Also was told I could not talk to anyone else because every single person was on vacation. Debt on credit says {$790.00}, over the phone they said it was around {$600.00} and we paid {$500.00}. Credit states we owe {$290.00} but Fabco says we owe $ XXXX.This debt has been paid and needs to be removed for my credit.
Product: Credit reporting or other personal consumer reports

Went to get an annual credit report from Eqifax online. Had an Error, Called Equifax on XX/XX/2024 at XXXX XXXX XXXX. Talked to Customer Service rep XXXX. Had to take a picture of my ID and self to identify myself. Everything went through. Asked about getting an online credit report. She said it was a discrepancy with the address on my ID and the letters that I been providing them with a copy of a bill from my current address. I asked her to transfer for me to someone else, XXXX said she couldn't. I asked her why because this is a customer service center. She was not able to give me a valid answer. I tried to resolve with Equifax several times, before filing a complaint Hung up called Equifax at XXXX XXXX XXXX on XX/XX/2024, pressed the appropriate # to submit a dispute since XXXX was not able to Transfer me the XXXX time. When I got to the dispute section on the phone, I was directed to a live person, who name was XXXX. I said that " it was interesting that I was routed to you again, and now you are able to transfer me to a supervisor. '' After that, she escalated my complaint and concern to her supervisor XXXX @ XXXX XXXX XXXX. I explained everything that was going on. She said that they have to send my credit report, to an address that I no longer live at. I told her that I been disputing items on my Credit report for the last few months, with supporting documents at my current address. All my letters also had my current address with current documents. The interesting part was, that XXXX was still able to explain what was getting disputed on my credit report over the phone, from items I disputed throughout the months of XXXX. How are my items still getting disputed every month, but there is an alleged problem with address? Does not make any since. Just got denied now I have to go to a third party and pay for a credit report. This is unfair and unacceptable,
Product: Credit reporting or other personal consumer reports

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, Equifax and XXXX that causing my credit scores not to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Transunion reporting agency, XXXX reporting agency, and XXXX reporting agency. Has violated my rights. 15U.S.C 1682 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if theyre notified that something is on my credit report that results from identity theft, it needs to be removed within XXXX business days. Please remove the following accounts Transunion XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Transunion inquires, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. XXXX / XXXX XXXX of XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX. XXXX Inquires, XXXX XXXX XX/XX/XXXX. XXXX XXXX Ser XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX, XXXX main XX/XX/XXXX.
Product: Mortgage

The lady said they usually require 10 % down and a 2-year payment plan with a balloon at the end. But it didn't seem like she was 100 % sure of this and they never sent me anything in writing. Below is my full story. Feel free to publish this information. 


I lost my job in XXXX of XXXX and couldnt make payments on either my first ( XXXX ) or second mortgage ( XXXX  XXXX XXXXI think ) for almost 2 years. I finally went back to work in XXXX of XXXX. After 3 months back to work I started the mortgage modification ( XX/XX/XXXX ) process on my first loan. And they put my mortgage arrearages on the back of the loan and I havent missed a payment since. At the same time, I tried to do the same thing with my 2nd mortgage company. But they refused to negotiate with me about putting the arrearages on the back of the loan and wanted an unusually large amount from me which I didnt have. Fast forward 12 years and they sent me a letter delivered by the sheriffs office saying they are going to foreclose on my home. This 2nd mortgage started out around $ XXXX and has now ballooned to {$150.00} because of all the interest theyve tacked on. Are they required to work with me? I feel that if theyve waited 12 years to start this process, they should give me the same amount of time to repay the debt.
Product: Mortgage

I have had issues with them since XX/XX/XXXX. On XXXX I requested an investigation on my account .Payments were missing from my statement. I received a letter dated XXXX it is not there procedure to provide a complete activity statement. They only send a limited statement. this letter came from XXXX XXXX Executive resolutions specl. I have been writing them from the very begining since XXXX. XXXX of XXXX I spoke with a XXXX XXXX also a ( Execut.resol specl. ) about a recast on my loan. He explained it in full detail, and he told me about some other options he stated he would get back with me. He later stated I did not qualify for the recast and ask me if I would be interested in a modification. I was frustrated. Now XX/XX/XXXX it appeared that i was having some difficulties with paying my mortgage. I still did not see what the saw. I requested a XXXX. I was assigned an home preservation special. name XXXX XXXX, XXXX XXXX, and XXXX XXXX. I sent in everything that was asked. They sent some one to my home a evaluation was completed on XX/XX/XXXX. The appraisal report valuing my home at {$230000.00} the XXXX. was accepted. I was told by the home pres. specialist XXXX that i was accepted, not to make a payment because things would be different. She would get things done and inform me of the date of my XXXX payment. Fast forward I am on the XXXX. owning a balloon payment of XXXX on XXXX XXXX i wrote letters about several issues XXXX was some one cancelled my home insurance and failed to inform me, missing late payments, and extra charges that I am not aware of. I got letters the same week all saying the exact same thing we have determined your concerns were previously addressed .letters dated XX/XX/XXXX, & XX/XX/XXXX from XXXX XXXX lead Escalations spec. Now my credit is being effected I wrote another letter XXXX asking about that, on XX/XX/XXXX i got a letter stating they are looking into it I was sent their same statement that they seen to always send. I called the center because I could not understand it, it was not self explanatory never was the customer serv. person walked me through it. I kept calling and writing for explanation. I called and spoke with XXXX XXXX we went over the statement and she saw the extra payments that were sent she told me she needed to do more research and would get back with me. XX/XX/XXXX I called her back left voice messages and on XX/XX/XXXX she called me the phone rang once and when i called her right back I had to leave a messg. i left several messgs this time I called and asked to speak with a supervisor. I was connected to lead Executive spec and he was very rude and nasty with me. I got a letter the next day stating the exact same thing. Please investigate this issue. I had this mortgagee for over 30 years and I am having serious problems. I can be reached at XXXX. my home address is XXXX XXXX XXXX XXXX.
Product: Debt collection

Diversified Consultants are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of XXXX XXXX are now reporting the same debt as well. This debt is for XXXX XXXX cable. I 've spoken with a rep with XXXX XXXX the first week of XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with XXXX XXXX or Diversified Consultants, and under no circumstances should two collection agencies be reporting on the same debt.
Product: Debt collection

We disputed the charge of {$880.00} and filed a lawsuit at the XXXX XXXX Small Claims Court the case no. is XXXX. The court ruling was in our favor and we do not need to pay {$880.00}. 

The collection agency has reported delinquency in our names and our credit history has been misrepresented. 

We rented XXXX XXXX apartments from XX/XX/XXXX XX/XX/XXXX. We moved out XXXX and were charged XXXX $ as move-out charges by XXXX XXXX apartments owned by XXXX XXXX. We disputed the charges by filing a case in small claims court in XXXX XXXX, California. We had our case hearing on XX/XX/XXXX and the case was ruled out in favor of my husband ( XXXX XXXX ) and me. The court ordered XXXX XXXX XXXX XXXX XXXX to pay us XXXX $ and ruled that we do not owe them anything. 

In-spite of and after the court judgment, the collections reported our account as derogatory. 

I am requesting that the item be deleted to correct the information. Enclosed are copies of the court judgment and the case transcripts, supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Product: Checking or savings account

On XX/XX/2024, at approximately XXXX XXXX, I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX under file # XXXX, went to Frost Bank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX to have some Treasury Direct paperwork notarized . XXXX XXXX XXXX, the notary on site, was the employee that helped me. In addition to being rude, XXXX XXXX violated my rights as a XXXX XXXX XXXX by defrauding me pursuant to 25 CFR 11.423 by encumbering my property, which I have a security interest in, with the intent to hinder that security interest. In the end she denied me my privilege. XXXX XXXX XXXX not only violated my rights as a secured private creditor, but also deprived me of a right and privilege, pursuant to Title 18 section 242, which is protected by the Constitution. My right to claim my charters is protected by Volume XXXX Session XXXX Chapter XXXX, the Owner 's Cesser Clause/Expatriation Act. XXXX XXXX violated that right by imposing an anticipatory repudiation by claiming that my charter did not belong to me due to insufficient evidence, which is false and a crime.
Product: Debt collection

In XXXX I requested debt validation from FCO regarding alleged debt XXXX XXXX XXXXXXXX. The company responded that they would send documentation, but nothing has been received. I do not believe I owe this debt. I also question their inability to prove otherwise based on their recent CFPB settlement in part for " failing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate. In addition, the Bureau alleged that FCO and XXXX violated the Fair Debt Collection Practices Act when FCO represented that consumers owed certain debts when, in fact, FCO did not have a reasonable basis to assert that the consumers owed those debts. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request for a free annual credit report. I received a copy of my consumer credit file from XXXX and XXXX. I never received a credit report from TransUnion. TransUnion sent a postcard ( dated XX/XX/XXXX ) requesting copies of personal information to verify my mailing address. My mailing address has been the same since XX/XX/XXXX and TransUnion has sent my Credit Report to the same address since XXXX. This is the second year in a row TransUnion has tried to use stall tactics to avoid sending me a free report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( WESTLAKE FINANCIAL SERVICES ) company. I requested that they send me the written '' Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score. 15 USC states that written Permissible Purposes must be given by the consumer and no other.
Product: Checking or savings account

My account was closed after a transferred was made into my account. And I tried to take out the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$3000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. 01 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. 08 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit card or prepaid card

AFTER BEING A GOOD MEMBER IN STANDING AS CARD HOLDER FOR OVER 2YRS. I RECEIVED A LETTER FROM DISCOVER CARD STATING THAT MY LIMIT WOULD BE REDUCED FROM {$3700.00} TO {$500.00}. I HAVE NEVER MISSED A PAYMENT AND CURRENTLY HAVE HAD A XXXX BALANCE FOR AWHILE. THIS HAS ADVERSELY AFFECTED MY FICO SCORE .I HAVE ACTUALLY INCREASED MY SCORE AND HAVE ADDED ACCOUNTS WITH NO LATES WITH VARIOUS LIMITS. AND MY SCORES ARE DECENT,XXXX.NEVR MISSED A PAYMENT AT ANY TIME ON ANY CARD, OR PERSONAL LOANS MR XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$340.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.