23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

there were five charges to my account on a card that I never received. The company refunded one charge for {$16.00} but refused to refund the other, Their rationale for refusing the other disputed charges was that they stated that the card was present during the transaction. However, according the them, the card was also present during the refunded transaction. This rationale is inconsistant.
Product: Debt collection

I have been sending in validation letters and which I haven't got any response. I contacted original debt and was told I dont owe anything. The cellphones were returned about a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; NMAC XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my equifax report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX.. This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isnt shared which is back 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 customer nonpublic personal information. XXXX  XXXX XXXX XXXX is a financial institution, by definition, under that title. Under 15 USC 6809 the term nonpublic information is defined as personally identifiable information provided by a consumer to a financial institution, resulting from any transaction with the consumer or any service performed for the consumer.

15 USC 1681b states that In general, subject to subsection ( c ), and 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. XXXX  XXXX XXXX XXXX, the financial institution, and the consumer reporting agencies, Equifax, XXXX, XXXX, do not have my consent to furnish this information and they surely do not have my consent. XXXX XXXX XXXX XXXX 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. XXXX  XXXX XXXX XXXX never informed me of my right to exercise my nondisclosed 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 items 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 USC 1681 s-2 ( 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 USC 1681c 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. Equifax, 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 have sent my opt out notice to mailed the opt out notice on XX/XX/scrub>XX/XX/2023and also opted out online, but to no avail nothing has happened.
Product: Money transfer, virtual currency, or money service

I entered into an investment contract with XXXX ( the Scammer ) to transfer XXXX USD. Entering the online trading sphere comes with many hopes but due to XXXX XXXX activities and dealings, I lost my money within a very short period of time. 
I advised Wells Fargo of this fact on XX/XX/2021 and I havent received any satisfactory response so far. I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Wells Fargo preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Wells Fargo could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance.
Product: Debt collection

Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. Also my report of identity theft. You can see the signature of my ID does not match the signed lease they have. I do not own this account I am a XXXX  from XXXX I do not own any money on any accounts to anybody.
Product: Debt collection

a representative by the name of XXXX repeatedly calls from a company called " XXXX '' saying they received a complaint of XXXX allegations to be filed against me. They say their company is actively pursuing me at my place of employment and residence. 

They call my cell # XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for my Transunion or XXXX. The account i'd like to self-report is XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX XXXX ) XXXX opened on XX/XX/2022.
Product: Debt collection

I sent a dispute letter to Paramount Recovery regarding an alleged debt on my credit file in the amount of {$730.00} account # XXXX. I have attached a copy of this letter. Paramount Recovery received this dispute on XX/XX/22 according to the signed receipt from the USPS ( attached ). As of today, XX/XX/22 Paramount Recovery has not responded nor have they sent any notice regarding this alleged debt. Paramount Recovery as violated 15 USC 1692g and therefore must deleted is " Unverified '' " Invalid '' account from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and for whatever reason Exeperian is not removing an account that even the company has indicated they were removing it because it was fraud. There is an account reporting under XXXX XXXX XXXX account number XXXX for which I have attached the correspondence with XXXX showing that Experian never even attempted to rectify this.
Product: Checking or savings account

XXXX XXXX are advising me that the bank is being slow and I got told that there doing wrong and for me to help out. If this is true on their be half please fix this problem there stating.
Product: Payday loan, title loan, personal loan, or advance loan

Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of XXXX is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I have expressed this US Code with the agents of chase bank and they both still denied overturning the decision. I also explained that a XXXX SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of XXXX there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My Equitable Rights should have NEVER be violated.
Product: Credit reporting or other personal consumer reports

I have been reviewing copies of my credit report and noticed inaccuracies that I have identified to the credit bureaus. I am requesting an investigation regarding the reporting error. It is my understanding the credit bureaus are required to investigate this account to ensure ist is reporting accurately. Please verify and provide me with an update. I am providing the account information as listed on my credit report below for your assistance. 

XXXX XXXX Acct # XXXX
Product: Mortgage

We have been trying to work with OCWEN mortgage company on reversing our mortgages back to an interest only payment on our rentals properties. We have followed all their requests filled out a huge package of forms and were declined. We have XXXX mortgages with this company and have made consistent payments for 10 yrs.. The mortgages reverted to a principal and interest recently, and we can not afford to make the principal and interest payment. It seems like a simple procedure, but yet no one is willing to help us keep our properties, which were purchased as an investment property for our kids education. This company has also been sharing our information with adjacent neighbors in the area. Is n't this in violation of some federal laws? We are happy to provide any information necessary to resolve our issues. This company has been nothing but uncooperative and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XX/XX/2021. XXXX XXXX XXXX XX/XX/2021. Bk of XXXX, XX/XX/2021. XXXX XXXX, XX/XX/2021. XXXX XXXX XXXX, XX/XX/2021. XXXX XXXX. These were through Experian that i have disputed and they will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact Experian and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet Experian will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!
Product: Mortgage

I have a 2nd mortgage with Chase that was for {$25000.00}. The mortgage was opened in XX/XX/XXXX. I have made regular payments of approx. {$250.00}. every month for 15 years. They recently sent a statement saying in XX/XX/XXXX, the mortgage will have matured and I need to pay the balance of {$21000.00}. How can this be possible? I have paid them a little over {$45000.00} already. I am confused to where did all this money go to.
Product: Mortgage

I have tried numerous times to make payments to pay off my loan. They were unwilling to negotiate and have rejected my payments on several occasions
Product: Money transfer, virtual currency, or money service

Re : Request for Clarification and Resolution of Withheld Wire Transfer Attention, Wells Fargo Bank Compliance Department I am writing to formally request clarification and resolution regarding a wire transfer that has been withheld by Wells Fargo. Despite my repeated inquiries, I have been informed that the transaction is being held in compliance with the Office of Foreign Assets Control ( OFAC ) regulations. However, I have not received sufficient details to understand the specific reasons for this action. Requesting Clarification : 1. Please provide a
detailed explanation of the specific OFAC regulation or sanctions list that prompted the withholding of my wire transfer.

2. Clearly outline the rationale behind the determination that my transaction falls under the said regulation.

3. Provide documentation or evidence showing the due diligence conducted by the bank in relation to this transaction.

4. Explain why I was not adequately informed of the reasons for withholding my funds at the time of the transaction. 

Given the financial and reputational damage I am incurring due to the withholding of my funds, I request an immediate review and resolution of this matter. If the withholding of my funds was due to an error or misapplication of OFAC regulations, I urge the bank to release the funds without further delay.

If I do not receive a satisfactory response within 15 business days, I will have no choice but to explore alternative courses of action. These may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ), as well as seeking legal reco
urse to recover my funds and any associated damages. I have represented myself in Federal Court against a US Regulatory Agency in California and won that case and will do the same against Wells Fargo should you continue with not providing a valid reason for refusing to deposit my wired funds as it seems like you say it was rejected returned on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 155 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602.A States I have a right to privacy 15 USC 1681Section 604.A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other that records of conviction, other that records of convictions of a crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 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 yet. I feel like Im being taken advantage of and being ignored of my disputes. I need this problem fixed asap I will not wait another 60 days to receive no response because clearly y'all ignoring me. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

On XX/XX/year>, I placed an order on XXXX for an amount of {$64.00} for an electronic component to be shipped to me through USPS Economy. According to the website, orders are typically sent within two to three business days after the payment is processed. After waiting 17 days with no shipment, I contacted the only support option available on their website, which was their email. I did not receive a response. After realizing the company will likely never ship the product or refund the amount, I contacted my banking provider to begin a dispute with the aforementioned information on XX/XX/year>. On XX/XX/year>, I received a notification my dispute was denied because no billing error occurred. XXXX investigated once more upon request XX/XX/year> and replied with the same insufficiently detailed response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PRESTIGE FINANCIAL, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX XXXX XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Yes the debt from LVNV funding is still showing as not paid 2 years after having my wages garnished in XXXX
Product: Mortgage

My account with US bank went into foreclosure so in an attempt to bring the account current I contacted the company and was told that {$5000.00} would bring it current. Then I was told that no {$6000.00} would bring it current. Then I was told that no {$7000.00} would bring it current. So I had to take pictures of my bank account each time to let them know that this money was in the bank and then the real amount of over 8000 was given to me to bring the account current. So after the account was then brought current with over {$8000.00} given I was in the process of selling the property and got a payoff quote and statement but then when I went to the attorney 's office to close US Bank had sent them a different payoff amount. I have every email back and forth regarding the different amounts and different quotes and I have also recorded every conversation that I've had with them in order to prove my case and show that they are not being truthful and not treating people fairly. I am sure hoping that I can get someone's help with this. Thank you