23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello. My name is XXXX. I can give you my full name after your company contacts me. I want someone to call me tomorrow. My cell phone number is ( XXXX ) -XXXX-XXXX. I have been pursuing my fight against Wells-Fargo for over six years-forced car insurance. This is due to fraudulence committed by Wells-Fargo starting in XXXX. My XXXX was repossessed and should not have been. After my car was repossessed in XXXX-one year later I contacted the CFPB and your company did absolutely nothing for me and at that time there were over XXXX other complaints as well? What was the CFPB doing at that time regarding so many complaints from customers? Were you guys out to lunch? Was everyone on vacation at the CFPB? After my complaint to the CFPB I received a letter from the CFPB-your company was my last hope and nothing was accomplished? I was informed you felt there was not enough of evidence of fraudulence on my part-against Wells-Fargo? That same year there were other scandals against-Wells-Fargo and they got caught. Who decided at the CFPB-my case and 1,800 or more cases did n't mean anything or have any merit? I want to know the names of the people at the CFPB who denied me back then in XXXX and every other complaint I made since then? Nothing has been accomplished-with your company to help a consumer who has been denied, cheated and rightfully reimbursed by Wells-Fargo? What I do n't understand is how the CFPB can let Wells-Fargo get away with fraud and the level of fraud is at 100 percent? Please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$6000.00} XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} US DEPT ED XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX XXXX XXXX {$9100.00} US DEPT ED XXXX XXXX XXXX {$3900.00} US DEPT ED XXXX XXXX XXXX {$4200.00} US DEPT ED XXXX XXXX XXXX {$6500.00} US DEPT ED XXXX XXXX XXXX {$3800.00} US DEPT ED XXXX XXXX XXXX {$15000.00} US DEPT ED XXXX XXXX XXXX {$4100.00} US DEPT ED XXXX XXXX XXXX {$12000.00} US DEPT ED XXXX XXXX XXXX {$1300.00} US DEPT ED XXXX XXXX XXXX {$120.00} US DEPT ED XXXX XXXX XXXX {$6300.00} US DEPT ED XXXX XXXX XXXX {$3300.00} US DEPT XXXX XXXX XXXX XXXX {$3500.00} US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 43XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT EXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I canceled my wire transfer into my Wise account because they mentioned that it would take 3 weeks for them to credit my account. But when I cancel it, they refuse to send it back to the originating account, and keeps telling me I need to fill out their form online with the refund instructions. The problem is I can not fill out their form because their form doesn't provide " further credit to '' field which is required for me to get the wire returned to the originating account. My originating account in the US a private banking, and requires " further credit to '' field. Wise refuses to accept the instructions that I've emailed them, and continues to tell me it's not possible to refund to my originating account because it requires " further credit to '' info. And now they've stopped responding.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$530.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I was switching my checking account from XXXX Bank to XXXX XXXX Bank. I had an existing autopay agreement for my Capital One credit card which was setup with my XXXX Bank checking account. I updated the autopay information with my new XXXX XXXX XXXX account. I waited to close my XXXX Bank account until the first autpay was completed successfully on my new XXXX XXXX account which occurred on XX/XX/2017. The next month Capital One processed the autopay from my old XXXX Bank account which had been closed, therefore resulting in a late payment. The next month they didn't process the automatic payment at all which is when I noticed the problem. I contacted Capital One immediately to process a payment to bring the account current and make sure that I was not going to be responsible for a late payment on my credit report. The representative fixed the automatic payment issue and assured me that because this late payment happened as a result of an error with their system that it would not show a late payment on my credit report. After checking my credit I noticed that it was indeed reporting a late payment as a result of this situation. I have contacted Capital One multiple times in an attempt to fix this issue with no cooperation on their end.
Product: Debt collection

Repeated calls and voice messages claiming that I have a debt with the company. I am certain that it is not mine as the name provided to me was my maiden name which I have not used for over 6 years since I have been married. I don't have any outstanding debt and any old debts from XXXX  and older were discharged in bankruptcy court as of XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud7. Fair Debt Collections Practices Act 15 USC 1692g violations8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital one failure to deposit my direct deposit from my employer and any other incoming deposit. Capital one has sited technical issues, which may violate the electronic funds transfer act. ( Efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to insure my right are upheld.

Thank you
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXX  in The XXXX XXXX of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) 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: 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 {$10000.00}, {$6200.00}. 
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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax that these accounts are are a result of FRAUD and they should be deleted from my credit report. Please delete these accounts because they are fraud.
Product: Debt collection

I contacted Solomon & Solomon as the debt collector agency and asked for the debt validation notice that must have been sent within 5 days of the first contact according to the Fair Debt Collection Practices Act, I was not provided with one and also asked for a confirmation of delivery but I was not provided with one, they did not have it, the attorney said she was going to call me back according to the secretary but never did.
Product: Credit reporting or other personal consumer reports

My rights are being violated. According to FERPA The Family Educational Rights and Privacy Act ( FERPA ) allows schools to disclose federal financial aid information without written consent in certain circumstances. You have no consent between NELNET, XXXX XXXX. This obligation is with a third party which i did NOT give PERMISSIBLE PUROSE to share my PERSONAL FINANCIAL RECORDS. 15 USC 1681b I demand these items be removed immediately. These are impacting my life * NELNET XXXX XXXX XXXX NELNET XXXX NELNET XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I attempted a purchase from XXXX XXXX XXXX which was declined. XXXX XXXX XXXX notified me XX/XX/XXXX, the payment was declined and requested another source of payment. I provided my XXXX XXXX account information and received confirmation from XXXX XXXX of my purchase. Order # XXXX. On XX/XX/XXXX within the 60 days of the date the charge was posted to my account I notified Bank of America of the duplicate charge and they opened a claim # XXXX. On XX/XX/XXXX Bank of America issued a temporary credit to my account for XXXX. Then to my surprise on XX/XX/XXXX, 69days after the claim has been filed Bank of America notified me the credit was being reversed because there was knowledge of the purchase by me and this was not fraud, this was a billing dispute.This resolution exceeded the 2 billing period grace period Bank of America had to resolve. This was a bank error, I had reported the billing dispute not fraud charge on XX/XX/XXXX. I called on XX/XX/XXXX 4 days after the notice and notified the bank of their error. The claim was reopened but now the Claim Number was changed to XXXX and the claim date was changed to XX/XX/XXXX which was still claim XXXX CLAIM # : On XX/XX/XXXX Bank of America made another error and opened up an additional claim XXXX. From XX/XX/XXXX thru XX/XX/XXXX, I continued to call and was told a new story it seemed with each call. I was asked to provide statements from other banking institutions as proof of purchase elsewhere, etc and did so. In XXXX of XXXX I was on another call with Bank of America trying to resolve this and finally the supervisor realized the errors and agreed to credit my account within a few days and as I was told, another credit was issued on my account for XXXX for this charge. In XXXX of XXXX I noticed the charge was on my account once again and I disputed again and was told it would be expedited. XX/XX/XXXX I received notice from B of A the time allowed for claims had been missed. If I was outside of the window to dispute it was only because Bank of America could not process this correctly, and numerous times assigned claim # ' ; s were mixed up by the bank. When this claim was first filed # XXXX on XX/XX/XXXX I was within the time frame to report a billing dispute. Bank of America 's error has now cost me the refinance of my home, 40+ hours on the phone and providing documents, a 70 point credit score drop and I plan to pursue this legally if the bank or merchant refuse to refund me.
Product: Mortgage

Mr.Cooper bought my loan from my original lender. Under the agreement with the original lender, this loan was not suppose to escrow/impound for property insurance. i pay that outside of escrow with my company that also handles my vehicle insurance and other insurance products. I have called them four times, and told them to abide by the original loan agreement that they purchased. They always say they escalate it and will reverse the impound, but three months into this process, they continue to impound for property insurance. It is under Mr.Cooper Loan # XXXX. My name is XXXX XXXX, at XXXX, XXXX home address XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
Product: Debt collection

I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to XXXX XXXX XXXX XXXX three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( XXXX XXXX No XXXX ) and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im writing a complaint because the agency is continuing to furnish invalid and fraudulent information onto my consumer report without my consent. Ive tried disputing but the agency doesnt accurately investigate. My finances have been damaged, im not able to be approved for anything for the fact that said agency will not cease to furnish inaccurate data onto my consumer report. 
According to XXXX U.S.C XXXX ( XXXX ) ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

This is XXXX XXXX with my third & final complaint. Upon discovery I see that Portfolio Recovery Associates , LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the XXXX Department of Insurance to operate/collect in the state of North Carolina which is a XXXX XXXX XXXX  pursuant to XXXX XXXX XXXXXXXX XXXX. I am demanding that Portfolio Recovery Associates , LLC cease & desist all communication & collection activity immediately. Failure to comply with the following provision listed shall result in legal action.
Product: Mortgage

My mortgage was with XXXX from XXXX until the middle of last year ( XXXX ). The loan was in my name and my now ex-wive 's also. While we were settling the divorce, XXXX had sent me paperwork to allow me to have my ex-wive 's taken off the mortgage note, not a refinance. They told me I had to pay a fee and qualify for the mortgage by myself which I was perfectly fine with. One of the conditions, was a completed divorce decree which unfortunately didn't get finalized until XX/XX/XXXX. I have since reached out to the new company that my loan was sold to Select Portfolio Servicing to complete the process I had started with XXXX. They are telling me they have no way to take my ex-wife off the mortgage except for a refinance. The problem with that is I am about {$450000.00} still under water so that is impossible, which they are fully aware of. I was told that when my mortgage was sold, my terms wouldn't change which to me at least means I am not put in a worse situation as I didn't choose them ( SPS ) they bought my loan without my consent so why should this option no longer be available to me? I feel they need to make good on the process I was going through with XXXX since it wasn't my choice to work with them they chose me. Part of my divorce decree, is to get my now ex-wife off the mortgage which is impossible with their rules which contradict XXXX 's. Thank you in advance for your help and please let me know what documentation you would like me to provide. They have been extremely difficult to deal with compared to XXXX. My relationship manager I was assigned to is XXXX XXXX XXXX.
Product: Credit reporting

I have desperately been trying to put an initial fraud alert on my credit file. I keep getting alerts from banks, email providers, everyone really, saying someone is trying to log in to my accounts from XXXX. I obviouslly want to put a fraud alert on my file. I go and try to do it online, submit all my information, and am told they are unable to assist me online and i should call for more information. Wehn I call, if I use the automated self service, they tell me they are unable to assist me over the phone and to file online. If I choose an option that seems like it would get me a live person, i am put on hold until the call auto disconnects. Meanwhile, someone is going to log in to my accounts and steal all my money and I am NOT being protected by these companies.
Product: Mortgage

I was in the process of selling my house and notified PNC for the payoff and what day we will be closing, XXXX XXXX. PNC provided the information we requested, however they made the decision to pay the property taxes early and in doing so the property taxes were paid twice. I called PNC and on XXXX XXXX and they said they would look in to the issue and get back to me, they never did. I had to call several times and never got a definite answer. They said they called the XXXX XXXX tax office and never got a returned call. I called the same tax office and was told they have no notes or calls from PNC on this issue. THe tax office told me that PNC uses a XXXX party like XXXX to pay a lump sum. {>= $1,000,000} as an example, in XXXX check and they provide the amounts and property addresses to apply the funds. The amount PNC owes me is almost {$5000.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX and XXXX this agency is reporting a debt of XXXX as of XX/XX/XXXX to XXXX XXXX for a property in XXXX XXXX I never lived in. the only exchange of money was for an application fee. no money ever exchanged to move in address no deposits and no utilities in my name. a lease was electronically signed and voided on the same day without ever moving in due to some comments that were insensitive and prejudice over the phone. 

from XX/XX/XXXX to XX/XX/XXXX I lived at.XXXX XXXX XXXX XXXX XXXX XXXX and moved to where I currently live which is XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX I have utility bills I can provide as well as leases to show. 

If i have never lived at the address : there is nothing to pay and nothing will be paid. I received one phone call from this business about 4 months ago no debt validation letter or notice of debt ( since I have never lived at the address ) take this s ..off my credit report for XXXX or XXXX
Product: Prepaid card

I opened a prepaid gift card package to make a purchase. This is a {$100.00} XXXX   debit gift card that is newly opened from its package and is not expired.The card would not go through so I called the phone number on the back of the card. The company informed me that the card was registered under someone else 's name. I explained that it was a gift card and should not have an associated registered user. However, they still requested my personal information and asked me to fax copies of my driver 's license and XXXX card, which raised concerns for me. I am uncomfortable sending my driver 's license via fax. I have spoken with three different representatives, all of whom reiterated the same requirements. One representative suggested that I upload the documents on their website, but the site does not accept the uploads. The website is www.prepaidgiftbalance.com. 
I discovered online that many others have encountered the same issue with this company. They reported similar experiences, including requests for personal information such as drivers license and Social Security numbers. This raises further concerns about the legitimacy of their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I have rights under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish these accounts.