23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To whom it may concern, I am writing to file a complaint against Wells Fargo Bank for not handling my dispute properly. I have tried to resolve this issue with the bank, but they have declined my dispute and closed the case without providing a satisfactory explanation.

Here are the details of my dispute : - Dispute Number : XXXX - Date Posted : XX/XX/2023 - Merchant Name : XXXX - Amount of Transaction : XXXX - Card Number : XXXX - Status : Closed - Dispute Declined I initiated this dispute on XX/XX/2023, after I noticed a fraudulent charge on my credit card statement from XXXX, a merchant that I have never used or authorized. I contacted Wells Fargo Bank immediately and reported the unauthorized transaction. They told me that they would investigate the matter and get back to me within XXXX  days. 

However, on XX/XX/2023, I received a letter from Wells Fargo Bank stating that they have declined my dispute and closed the case. They claimed that they have verified the transaction with the merchant and that it was valid and authorized by me. They did not provide any evidence or documentation to support their claim. They also did not explain how they verified the transaction or why they ignored my request for a chargeback.

I am very disappointed and frustrated by Wells Fargo Bank 's handling of my dispute. They have failed to protect me from fraud and have violated my rights as a consumer. They have also damaged my credit score and caused me financial hardship.

I request that Wells Fargo Bank reopen my dispute and reverse the fraudulent charge of XXXX from my credit card account. I also request that they provide me with a written apology and a detailed explanation of how they reached their decision. I expect Wells Fargo Bank to comply with the Fair Credit Billing Act and the CFPB 's rules and regulations regarding dispute resolution.

I have attached copies of my credit card statement, the dispute letter, and the decline letter from Wells Fargo Bank for your reference. Please review my complaint and take appropriate action to ensure that Wells Fargo Bank corrects their mistake and compensates me for the harm they have caused me.

Thank you for your attention and assistance. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding an unresolved incident involving my account, which was compromised on XX/XX/XXXX. While I was out of the country, Citibank allowed an authorized wire transfer XXXX. I received an email that asked for transfer which I never approved and I immediately called to report the fraud. During that call, a case was opened, and I was advised to follow up the next day. Unfortunately, I did not receive any communication from Citi Bank until my return to the US, at which point I discovered that my case had been denied and closed without any prior notification or explanation. I attempted to reopen the case but was denied again.would like to emphasize that i Notified Citibank within a few hours of the fraudulent transaction, yet there has been a lack of timely follow-up and resolution. The incident involved a transfer of XXXX to a suspected fraudulent account, which was executed without my consent. I immediately reported this transaction to your customer service team, expecting prompt action to halt the transfer and investigate the matter. To my dismay, it appears that there has been insufficient follow-up on Citibank, particularly in coordination with XXXX XXXX , to ensure that the fraud was addressed in a timely manner. This lack of urgency raises concerns about the accountability of Citibank institution in protecting customers against such threats. Also, I never accepted the Citibank email confirmation via email and that was Citibank shortcoming to bypass their own security verification failure. I urge you to take immediate action to investigate this matter thoroughly and provide me with updates on the steps being taken to recover the funds and prevent future incidents. It is crucial that your bank takes responsibility for this oversight and enhances its protocols for handling fraudulent transactions. I look forward to your prompt response regarding this serious issue. Sincerely, XXXX XXXX
Product: Debt collection

I am writing to bring to your attention the presence of fraudulent accounts on my credit report, causing considerable distress. Upon reviewing my credit report, I discovered unauthorized accounts and transactions that I did not initiate or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies pose a significant threat to my financial well-being and overall creditworthiness. I kindly request the immediate removal of these fraudulent entries to restore the accuracy and integrity of my credit profile.
Product: Mortgage

Rushmore Loan Management Services in conjunction with XXXX XXXX offered a streamlined refinance of my mortgage. I was told the process was easy and that there was no out-of-pocket cost to me as a consumer and that no money was needed at closing. Rushmore since that closed refinance back in XX/XX/XXXX has informed me as of XX/XX/XXXX that they made a mistake in calculating what was actually needed when the refinance was processed and due to their error in aligning properly with XXXX XXXX and that an amount of XXXX was short. Rushmore took no accountability for this issue and even stated they know this issue happens from my conversation with XXXX from their customer service area on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i inquired how XXXX XXXX was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from XXXX XXXX informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by XXXX
Product: Money transfer, virtual currency, or money service

My issue would be with XXXX. I lost money using XXXX. I didn't recieve a prompt to make sure I was sending money to the right person before sending it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried ordering my free annual credit report from Experian. I have been trying to obtain a copy for over 6 months and they are refusing to send me a copy. I ordered it and have not received a free copy.
Product: Vehicle loan or lease

I was financed a truck from XXXX XXXX XXXX by west lake financial, after XXXX weeks of hving this truck everything started going wrong with it and the dealership wouldnt give me my car fax or do anything about it i tride to trade it in to another dealership and we did the XXXX blue book thing to see what they would give me for it and they didnt want notjing to do with the truck it was that bad and i was shown the XXXX XXXX i went strait over to redrock and told them i wanted a copynof my loan contract and the car fax they wouldnt give it to me i also said i wanted my old truck back and they could keep that unsafe lemmo they sold me or put me in smething more reliable and safe because the truck i was in wasnt even supposed to leave the lot let alone be sold, long story short west lake said they were going to reposes the truck after i told them to come get it and ask them why they would finance a truck that wasnt supposed to even be sold, they never came and repoed the truck it was impounded i had to move and it wasnt running i told west lake where it was and i also told redrock XXXX where it was they never got it and westlake realized they messed up so they just wrote the truck off on my credit, and still to this day the owner of red rock wont meet me in person, i tried to talk to westlake and they denied everything and thats been XXXX yrs ago im on XXXX i cant afford a lawyer and with them screwing up my credit i cant even get a loan to get another vehical, iv been a foot ever since, ive missed doctors appoint ment, i just want them to take that off or finance me for another vehical
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are circled on the attached copy of the report I received. 
1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not make the charge ( s ). I am requesting that the item ( s ) be blocked to correct my credit report. Also, please see attached documentation from the data furnisher Creditors In which they agree to delete these accounts.

Enclosed are copies of Police Report, FTC Identity Theft affidavit supporting my position. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible. 
Yours truly, XXXXx XXXX TXXXX Enclosures : NEW Police Report FTC Identity Theft Affidavit XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Investigation Request to Delete Unauthorized Credit Inquires To Whom It May Concern : I had previously disputed these unauthorized inquires on my credit report. A letter sent certified mail on XX/XX/XXXX, concerning this issue however, you have failed to conduct a proper investigation and continue to report these fraudulent inquires. Its now over 30 days since that request. This will be the second time that I have reach out. 
Please delete the following inquires on my file, these are fraudulent. I did not authorize them. Also, provide me with method of verification. Please provide factual evidence that I Initiated this credit Inquires. 
1. XXXX-Did not Authorized. XX/XX/XXXX 2. XXXX-Did not Authorized. XX/XX/XXXX 3. XXXX XXXX XXXX Did not Authorized. XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Did not Authorized. XX/XX/XXXX 5. XXXX XXXX- Did not Authorized. XX/XX/XXXX 6. XXXX Did not Authorized. XX/XX/XXXX 7. XXXX XXXX Corp-Did not Authorized. XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- Did not Authorized. XX/XX/XXXX 9. XXXX XXXX Did not Authorized. XX/XX/XXXX 10. XXXX Did not Authorized. XX/XX/XXXX Once you delete the above fraudulent inquiries, please mail me an updated credit report. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my free credit report and found inaccurate information. I called all parties involved. I have mailed in handwritten letters within the past 60 days. I had no insurance with these ppl. Insurance and debts were cleared. I need this non verified account removed immediately. XXXX has deleted a lot of fraud off my account this week. THIS SHOULD BE REMOVED LIKE 10 OTHER ITEMS WERE REMOVED THIS WEEK IMMEDIATELY. Thanks XXXX for valuing my profile. Below is all the inaccurate information pertaining to this account. 



Account XXXX XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXXXXXX XXXX Amount Owed {$190.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXXXXXX XXXX XXXX Last Verified Date XX/XX/2023 Paid off Date N/A Closed Date N/A Resolution -- Current Status Placed for collection Instant Action Action History XX/XX/2023 Update My Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of Inaccurate Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information that your company, DEPT OF ED/XXXX XXXX has reported to the credit bureaus regarding my account. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which entitles me to dispute incomplete or inaccurate information in my credit file. 

While I have not specified the exact nature of the inaccuracy in this letter, I assert that there is incorrect information related to my account with your company. This inaccuracy is materially misleading and does not accurately reflect my credit history or current financial situation. 

Pursuant to the FCRA, I request that you conduct a thorough and reasonable investigation into this matter. As per section XXXX of the FCRA, you are required to review all relevant information provided by the consumer reporting agencies and by me regarding this dispute. Furthermore, in accordance with XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, you must report the results of your investigation to all national consumer reporting agencies to which you provided the information if you find the disputed information to be inaccurate or incomplete. 

I kindly request that you provide me with copies of any and all documentation used to verify the accuracy of this information, as is my right under the FCRA. If you are unable to verify the accuracy of the disputed information or find it to be inaccurate, I demand that you promptly notify all credit reporting agencies to which you provided this information and instruct them to remove or correct it on my credit report, as required by section XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the FCRA. 

Additionally, I draw your attention to the XXXX XXXX XXXX XXXX of XXXX, which may be relevant if this dispute involves a federal student loan. This Act provides specific protections and requirements for the collection of federal debts. 

Please note that, under the FCRA, you are required to respond to this dispute within 30 days of receipt. Failure to do so may constitute a violation of federal law. If you require any additional information or have any questions, please do not hesitate to contact me using the information provided below. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

The law firm, XXXX, XXXX, XXXX XXXX XXXX XXXX obtained a judgment against me on behalf of MRC Receivables Corp in the amount of {$2400.00} in XX/XX/XXXX and made no attempt to collect for 7 years so that interest could accrue on the debt at 9 %. In XX/XX/XXXX the judge awarded them the interest and the judgment became {$4200.00}. My employer deducted bi-weekly from my wages until it was paid in full in XX/XX/XXXX They never filed a satisfaction of judgment. 7 months later, they contacted my employer claiming that because they never told them to stop sending payments, I now owe interest. Coming again with the interest makes me sure that everything they have done in connection with this case has been a deliberate attempt to inflate the original debt. There are several complaints against this company and this law firm and it is time that someone stand up and stop their deplorable tactics.
Product: Student loan

In the past I have written to XXXX XXXX, XXXX XXXX, Department of Education, and the XXXX XXXX XXXX. In all my efforts to obtain resolution I have failed. I borrowed roughly {$10000.00} in XXXX loans from XXXX. I did rehabilitate my loans and have been paying for 28 years now. I have paid already more than {$28000.00}. I am almost finished. Yet, I am not finished with the fight. I was an incarcerated individual for a period exceeding 10 years. During that time I was sent many many bills from Sallie Mae which is now Navient. Though I was pushed into forbearance and financial hardship conditions, never was I told that I couldve applied for public service loan forgiveness as I was incarcerated and working the entire time. It would have been an impossibility to make payments and continue correspondence with the company. During incarceration there a long stretches where an individual makes anywhere from $ XXXX {$.00} an hour. It would take months just to buy a book of stamps. Though my life has completely changed and I have achieved a successful status Im still facing debt with the embattled Navient company. On the Internet I found terms that state, from federal student loan.org-the government will write off loans if the borrower is to be incarcerated for a period exceeding 10 years and the debts can be reinstated when the individual is released. I was never informed of this condition and my loans were sold from company to company before landing with Navient. I watched the interest to get capitalized and fees accrue while I remained helpless. I am confident there is more than just me that face this. And, it is an incredible burden to be faced with as soon as you step out of a long-term incarceration. I should like to see this group of people get some resolution where college debt is concerned. Currently, there is much talk about loan forgiveness and pause in payments, but no one talks about those who have paid the price and changed their lives. It has been personally, as if I am being punished forever and I dont think thats fair. Im confident that I am not alone. And I am also confident that no one has yet addressed this group of indebted folks. Please, take the time to look into this kind of situation and if you need any of my records I have saved everything. Feel free to contact me. Thank you for your time. I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to an incorrect item on my credit report. It has been well over XXXX days, and the accounts have not been removed Equifax failed to delete the following items/accounts that are not mine. I have never done business with the banks XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX regarding credit accounts. Failing to comply with US code 1681I. These accounts are not metro to compliant. They should have been deleted for not following the industry standards. Required to maintain maximum, possible accuracy
Product: Debt collection

I noticed debt on my credit report that is not mine from this company. It is a result of identity theft. I filed a report with the FTC and submitted it and this company still verified this as my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open -end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ).

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
Product: Credit card or prepaid card

Rec 'd a pre-approval from Capital One for a Quick Silver Card - See below - Thank you for being a Capital One cardmember. Were pleased with your track record, and wed like to recognize your loyalty with an exclusive offer to apply and earn 1.5 % cash back on purchases.

I applied for the card and was denied - The denial letter states - Based on your application information, income is insufficient for amount of credit requested I did not specify any amount of credit on the application. I called Capital One to ask them what amount they were had listed on the application and they told me that they could not see that amount and I should call XXXX  for that information.

Capital one said I was denied " for the amount of credit requested '' but they can't or wont tell me what amount was requested and I did not put any dollar amount on the application.

The letter for denial is deceptive and misleading as as I do not know what amount was requested, I did not request an amount and don't know what amount was denied.

Capital One transferred me to a supervisor who would not give me the address to write in a formal complaint and said I could only do a complaint on the phone. She told me there was not reference number for the complaint and that was all she could do. Her information was XXXX XXXX. 

I also told her I was recording this call for customer service and she said I was not allowed to record her call by Capital One was allowed to record mine and then she hung up on me ...

They must provide the $ amount request on the denial ...
Product: Debt collection

In XX/XX/2018, a debt collector - Absolute Resolutions Investments LLC- initiated a civil suit to collect an alleged balance owed to a credit card company -XXXX XXXX XXXX XXXX XXXX . Neither debt collector nor credit card company provide me with notice of the debt prior to filling the suit. Neither provided me notice of the right to dispute the debt. I have since requested validation and verification of the debt and now await a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Debt collection

I was contacted XXXX XXXX on my work phone and cell by Cornerstone Mediation. They contacted me about a loan I took out almost XXXX years ago. They said that they filed with the XXXX XXXX court and wanted to serve me papers if I did not call them back to setup payment arrangements. The next day after looking up the business online to see if it was a legitimate business and checking to see if there was a suit filed against me, which there was not, I checked my credit report and found nothing from this business was on my account. I reported them to the Better Business Bureau on XXXX XXXX 2015. I contacted the BBB today and XXXX who is handling my complaint told me that she sent out XXXX letters and has called with no response. I called as well and got a voice message saying " the person you are trying to call is not available '' another red flag. XXXX then told me to report to the FTC. The Business is : Cornerstone Mediation, XXXX XXXX XXXX, XXXX, New York XXXX. The toll free number is XXXX