23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is a bad-faith actor. They helped themselves to over $ XXXX in overages based on false accounting. They defied a judge 's order and never took my home out of foreclosure in 2010 and continued the foreclosure action for 2 more years. They did not accept my monthly mortgage payments and tried to lock up the house, illegally on2 occasion. They then sold the mortgage while we were in dispute and added their false accounting numbers which added an additional $ XXXX to my original mortgage note. If this was done to me, there so many other innocent, hardworking, American customers that have been overcharged by this bank. They gained an additional $ XXXX for falsifying their accounting, defying a judge 's order, and needing to be held accountable. They continue to provide the same false accounting and have offered me {$600.00} in restitution. This is outrageous and they must be investigated for misrepresenting their accounting and overcharging their customers.
Product: Mortgage

The following ( attached is a complaint just filed which I meant to identify as a DUE DILLIGENCE issue with the application process. ) Please see attached I want to reiterate again that Wells Fargo is acting in retaliation and discrimination because where I bought my home was a predominantly XXXX XXXX neighborhood and because they are upset that I have been trying to modify and keep my home.
Product: Checking or savings account

On XX/XX/XXXX I decided to not renew my gym membership for XXXX XXXX XXXX California ( XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ). I approached the front desk and said that I would like to cancel. I was then directed to the manager on duty I signed a key pad and was given a receipt ( I no longer have position of this receipt I only have email transcripts of me attempting to resolve the issue but I was never responded to ) ; I have not visited a XXXX XXXX since XX/XX/XXXX. Fast forward to XX/XX/XXXX I discovered that I was still being charged that is when I opened fraud claim XXXX with Wells Fargo due to poor evidence from XXXX XXXX  I was awarded a total of {$270.00}. Unfortunately I was not covered for charges from XXXX to XX/XX/XXXX totaling {$94.00}. I also contacted XXXX and made several visits but was given the run around that the XXXX was not on duty. I have made several attempts via email with no response. On XX/XX/XXXX I opened another fraud case # XXXX for a total of {$130.00}. Wells Fargo at this time recommended for me to contact consumer XXXX  and file a complaint. Wells Fargo also then proceeded to close my account completely and reissue me a completely new account to stop the fraudulent charges. On XX/XX/XXXX I received a letter from a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ) for a total of {$190.00}. No matter what I do I keep getting the run around as I attempt to close my membership that expired XX/XX/XXXX. I am suffering emotional distress and my XXXX  credit Score has suffered a drop from XXXX to XXXX since XXXX XXXX Unethical and Fraudulent activity. As of XX/XX/XXXX my Bank and I are out approximately {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** 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 ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... 

XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Product: Debt collection

i called ccs to pay the balance of {$150.00} they told me they no longer have authority to collect and it was sent back to XXXX. I called XXXX and paid in full. Its been a week since payment and its still listed on my credit report as a open collection with a balance of XXXX I would like this removed since they no longer have authority to collect this and its been paid in full.
Product: Credit card or prepaid card

On XX/XX/22 I visited Ashley Furniture Store looking to purchase furniture. I have an existing Ashley credit card through Synchrony Bank. I was told by the sales rep that I could only use my existing card if I first applied for another credit card. I was told that Ashley was moving away from synchrony and transitioning to XXXX XXXX for its credit card. I was told that if I applied and got declined or didnt get approved for enough credit, only then could I use my existing credit card with synchrony. This is a violation of UDAAP. I was able to use my existing credit card online but the sales rep was so focused on getting a sale that told me not to complete the online transaction, they created the same sale in store despite first telling me that the prices in store would be much hirer. The rep split my order between both credit cards ( XXXX XXXX XXXX / XXXX ). I was able to find furniture with a much shorter estimated delivery and canceled my order 5 days later. I was initially told that I would have to pay a 12 % fee for any items that were already available, however the store manager did a bait and switch by telling me I would be charged 12 % fee for the entire order.
Product: Debt collection

Debt Collection name : [ Jefferson Capital systems ] Debt Collection address : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] Account number : XXXX Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. 
I also attached XXXX XXXX XXXX XXXX where company can collect debt from. 
Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a dispute letter to Experian credit bureau, asking for verification of a XXXX XXXX account thats being reported on my Experian credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by Experian. ( Delivery certification letter confirmation attacked ).

On XX/XX/XXXX I received a letter stating that Experian investigation was complete. After reviewing the report, Experian stated that Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ( Experian report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX and spoke with a representative name XXXX ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that Experian was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of Experian investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If Experian had investigated properly, rather than using a XXXX XXXX, they would have known, that this account does not exist per XXXX XXXX, but Experian claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain the reasons for my dispute is not reasonable.
Product: Credit card

I applied for a Chase XXXX credit card online some time last XXXX or XXXX, XXXX i heard nothing from them. I called Chase around XXXX, 2016 to ask what became of my application. Using a social security number check, they found no credit card application. It was n't until I contacted XXXX that I learned that Chase had, in fact, put a hard hit on my credit report -- yet had forgotten about it. After hours of being led from the credit card department to customer service to Fraud, they finally called XXXX and confirmed what they had done. At this point, they explained that my application was no longer valid since 30 days had passed since they 'd allegedly sent me a letter asking for identity verification. No such letter ever arrived at the address they used ( that listed on my account ) since it was n't sent registered. I objected, saying they had no proof such a letter was sent. I wanted my application re-opened and they refused, but they would n't remove the hard hit. This thus paralyzed me financially ; I didn ' want to apply for a card elsewhere as it would mean a XXXX hard hit, something that would unfairly harm me credit wise through NO fault of my own. Chase clearly had shown multiple errors tracking my application ; how could it be sure it had ever sent me a letter. 

On XXXX XXXX, 2016, however, Chase sent me another letter to that same address. The letter ( attached ), dated XXXX XXXX, 2016, says it 's a repeat of the letter allegedly sent to me in XXXX, 2016. This letter, however, specifically states I must respond to Chase within 30 days of the " date of this letter '' in order to proceed forward with my credit card application. I called Chase both XXXX XXXX and XXXX XXXX to discuss this letter ; after 75 minutes ( mostly on hold ), the agent XXXX XXXX XXXX XXXX indicated the " matter '' needed to be " discussed '' amongst various groups and that they 'd get back to me via my email ( I 'm overseas on business now but they wo n't call my international phone number ). 

Chase has held me hostage to their business practice, XXXX which they 've unilaterally decided is correct and without flaws of any sort. The consumer is left to accept their verdict, and up to now, they 've admitted no wrongdoing. I want my credit card application processed promptly ( I 've been a customer of Chase for many, many years, and they have access to my credit history in that respect, though they denied this fact when I suggested it ). In addition, I want XXXX points added to my card by Chase as a gesture of goodwill for their egregious mishandling of my request, which has cost me hours of time online, not to mention lack of this card at the time when I really needed it.
Product: Student loan

I am graduating from the master 's program in XX/XX/2021 and moving out of state. In conjunction, I am looking to purchase a home. In order for me to apply for a home loan, I have to provide a minimum payment amount for them to run XXXX. I contacted XXXX multiple times to figure out the best way to go about figuring out the minimum payment amount to provide my loan officer. I tried a total of three : XXXX, XXXX, and XXXX of 2021. Each time I was provided with a different answer. Answer given in XXXX, they stated that I would not be able to know approximately how much my payments would be and then I needed to wait until XX/XX/2021 for your company to figure it out. XXXX rep stated they would need to wait until my school filed paperwork stating I graduated in order to figure out how I would be required to repay. Then today, XX/XX/2021, XXXX XXXX number XXXX referred me to another outside website to figure it out. 

Your reps are all seemed undertrained and have no idea what they are doing. They also do not answer questions. If you don't know, then state that you don't know. Perhaps as a collection agency charged with collecting student loan balances from millions of borrowers, shouldn't your employees know the answers to these questions? I am pretty sure, I am not the only one you had questions like this nor requests of your company.
Product: Checking or savings account

My wife and I have checking accounts with Citibank. The accounts are in the name of our living trust, for which my wife and I are trustees.

Citibank has requested much personal information and told us our accounts will be blocked if we don't provide the information. The bank said that the Dodd Frank Act and the Patriot Act require the information, but did not refer us to any particular part of the Acts.

The information requested is : Please provide name and address of creator of the trust? ( Attorneys information ) Purpose of the trust? ( Most of the time in CA this is asset protection and to avoid probate ) Please provide net worth of the trust? ( excluding property, so just monetary amounts ) Please provide date of trust formation?

Please provide your address?

Please provide the trust agreement/certification : ( If you dont have the trust agreement/certification you can provide the first couple pages of the trust and signatory pages would work ) Please provide for all trustees employement information : Employer Name : Employer Address Employer Phone Occupation : Employment Start Year : Annual Compensation : Net Worth for each Trustee : Does federal law require banks to collect all this information?
Product: Vehicle loan or lease

Toyota motor credit corporation used deceptive and abusive practices to take my car away from me, the contract that was signed with the dealership XXXX XXXX XXXX in XX/XX/year> did not clearly and conspicuously disclose my consumer rights and included very deceptive statements such as a no cooling off period which has led me into being victimized by various corporations including consumer reporting agencies such as XXXX, XXXX and XXXX and possibly more that I am not aware of. 

Because of Toyota motor credit corporation I am carless and my credit reputation is being negatively impacted, oppressing my mode of living. According to the contract the security interest secured the payment for the car, that security interest was given at the time of the transaction and had I known and was made aware, through transparency of the operation of the transaction I would not have agreed to making any additional payments as that is no benefit to me as a hard working consumer who purchased the car for personal, family and household purposes. I am now a single mother of a toddler and not having a car makes transportation more difficult outside of the support of my family, however my family still has things they need to do and if XXXX XXXX XXXX and Toyota motor credit corporation did not act deceptively and abusively invading my right to privacy and my right to due process. I have Toyota motor credit corporation multiple notices of dispute for the debt and they never verified anything. Verification required sworn statement under the penalty of perjury because anyone can claim something to be true but if they can not prove beyond reasonable doubt, and I have reasonable doubt based on case law stating that billing statements are not substantial proof of a debt being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report contains incorrect birthday of XX/XX/XXXX the correct birthday should be XX/XX/XXXX. Name on credit report shows as XXXX XXXX XXXX, name should be XXXX XXXX XXXX XXXX Also, credit accounts show on credit report. Report should show at least two loan accounts with XXXX XXXX XXXX XXXX XXXX. There was previous fraud accounts on this report which got wiped clean however now the correct loan information does not show either.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any errors on my report and expect a thorough and accurate investigation. It is crucial that Equifax conducts a comprehensive review of my dispute to ensure that my credit report reflects accurate and current information.I am particularly concerned about the adequacy of Equifaxs investigative practices. It is imperative that my dispute receives a genuine and thorough review, rather than a cursory or automated response. The integrity of my credit report relies on the accuracy of the information you provide. 

Please acknowledge receipt of this dispute and keep me informed of the investigation 's progress. If the investigation confirms the disputed information is incorrect, I expect Equifax to promptly remove or correct the information and send me an updated credit report.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report.

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

Thank you for your prompt attention to this matter.
Product: Debt collection

I was rear ended in a car accident on XX/XX/2019. I went and received medical attention on XX/XX/2019. I filled out of the form with information from the other insurance company. Today on XX/XX/2019, I received a certified letter in the mail from a collection agency named XXXX XXXX XXXX XXXX, XXXX TN stating they put a lien on my house for medical bills unpaid. First of all, I never received a bill from the hospital to pay anything. I called the other parties insurance company and they stated they never received any bills from the hospital. So the hospital never sent out any bills but immediately turns it over to a collection agency who states they filed a lien on my house. At the top of the letter it states they filed with the county clerk in XXXX XXXX. My house is not even located in XXXX XXXX. I, then call my local property accessors office and ask if there has been a lien placed on my house and they say no there is not a lien on my house. So this collection agency is using scare tactics.
Product: Money transfer, virtual currency, or money service

My fianc is traveling for work and sent me money ( 5 transactions ) in the last week for household and miscellaneous expenses. PayPal flagged the transactions. He provided an explanation on his account. They suspended my account for " suspicious activity ''. I called and spoke to their representative to clarify the matter. I explained what the money is for and they stated it would take 5 days to review. I stated that is unacceptable. They requested I provide a picture id and a bank statement and explanation of every transaction. I already provided the explanation for the transactions by phone. I stated I don't feel comfortable submitting my picture id as they already have my social security number ( additionally they are refusing to state why the account is suspended, but are requesting very personal and sensitive information ). I stated this is not a business account and I should not have to provide my bank statements to receive money for a personal transaction. I requested my account to be closed and they are refusing to do so because my account is " permanently suspended ''. They will not provide a reason for the permanent suspension. They will only communicate through their message system which doesn't allow me to send their communication or take a screenshot as proof of their reply.