23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/, I applied for a Gap MasterCard at the store located at XXXX XXXXXXXX XXXX XXXX NY XXXX. I used the card to purchase a XXXX XXXX XXXX XXXX which cost {$79.00}. However, with the credit card, I saved 20 %. I returned the dress on XXXX because I changed my mind. The cashier at the register accepted the dress back and issued me a Return Card with a value of {$79.00} which I never used. After the return, I received a Gap Good Rewards MasterCard Statement for the period XX/XX/ to XX/XX/ with a balance due of {$57.00}. The payment due date was XX/XX/. I do not understand what I am being billed for. I returned the item, never used the Return Card, and never used the Gap Good Rewards MasterCard. Since then, I have been receiving monthly statements for fees charged and interests. To date, the balance due is {$260.00}. I refuse to pay for an item that I returned. I do not understand the original balance on the credit card statement of {$57.00}, and how it has accrued interests over time. I do not want this credit card. I want the balance removed from the account, and I want the account closed. I have not used the card. I returned the dress at the same store where I purchased it. My balance should be {$0.00}. I believe Ive been scammed.
Product: Bank account or service

I made maybe XXXX Credit Card transactions Total and Wells Fargo Cancel My Credit Card and send me a New One two my Moms Minnesota Address the Problem is I 'm a refugee living in XXXX and have no way two receive the credit card. 
This is the 3rd Time in the Last year Wells Fargo Sent me a new Credit Card. 
Theres XXXX Refugees in the World and the Banks want two Just send them new Credit Cards when they do n't live in the Same Country Subject : Your card has shipped From : Debit and Prepaid Cards XXXX/XXXX/2017 XXXX Contact Us Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. 

We sent you a replacement card as a precautionary measure because your current Debit Card may be at risk for unauthorized transactions. 

Your new card will arrive within 5-7 calendar days at : Shipping Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Your card will arrive in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX, SD return address. 

Front Image of Envelope Wells Fargo Debit Card Envelope What you should do Keep using your old card until your new card arrives. If you have n't received your new card already, it should arrive in the next few days. Your old card will close on XXXX/XXXX/2017. 
Activate your new card right away by calling the phone number on the sticker attached to the card or by using it at any Wells Fargo ATM. 
Destroy your old card. 
Monitor your account for any purchases you do n't recognize. Contact us if you do not recognize a transaction made to your account. 
What you should know We will continue to monitor your account 24/7 and will notify you if we detect any unusual activity. 
Your replacement card will have a new card number, expiration date, and new XXXX security code on the back of the card. 
Alerts can help you monitor your account activity. You can go to Alerts to manage your subscriptions. 
If you have another card at risk, we will notify you separately. 
Wells Fargo cards come with Zero Liability protection* at no extra cost. You will not be liable for unauthorized card transactions when you report them promptly. 


We understand the inconvenience this may have caused. If you have questions or do n't receive your card within 7 days, please call XXXX ( XXXX ) or contact us by secure email. Phone Bankers are available 24 hours a day, 7 days a week. You can also visit our Fraud Information Center at wellsfargo.com/fraud for resources to help you reduce your risk of fraud and identity theft. 

Sincerely, Debit and Prepaid Cards * Please refer to your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates and XXXX has continue to break the law knowlly. Portfolio recover associate are suppose to be collecting on a so called debt for XXXX  XXXX. I have asked Portfolio recovers for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any Portfolio recovery accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed this lawsuit withthis company and I have never been paid a cent this fruad goes beyond them it includ the Social Security office I have received mail from them to my adress XXXX XXXX XXXX XXXX # XXXX only to find out on XX/XX/XXXX that I had not chnaged my address with them and that all my old mail wa still going to XXXX XXXX XXXX when spreaking with the new tenat at the adress she stated she sent all my mail back to XXXX Florida My entire life is turned up side down The check from XXXX XXXX was mailed in XXXX to the adress at XXXX XXXX XXXX where I nolonger lived but I received mail at the new adress from XXXXXXXX XXXX sarting back in XXXX of XXXX this fraud also includes XXXX XXXX and the Deoartment Of children and families or florida I need help. Although the postalservices in my City stated I never changed my adress from XXXX XXXX XXXX my mail has been fowarded to my new adress at XXXX XXXX XXXXXXXX XXXX # XXXX. I also was receiving emails from USPS XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX and XXXX and Equifax indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.
Product: Credit reporting or other personal consumer reports

I have an XXXX XXXX XXXX XXXX with XXXX XXXX  that I got while living in XXXX. The card is around XXXX XXXX XXXX. I moved to the XXXX and got a SSN in XX/XX/year> and requested that the card gets linked to my SSN so that it gets reported. 

XXXX XXXX  linked the card to my SSN and informed me that it reports to all XXXX  credit bureaus. However, the card only shows on my XXXX and XXXX reports. It is missing from my Experian report and I don't even have an Experian FICO score due to this card not reporting. 

I filed a complaint with XXXX XXXX  and they assured me that the card is reporting to all three bureaus. Please help me get the card reported on my Experian credit report.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ERC XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXXOMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a loan of {$15000.00} from XXXX XXXX. The loan payments were drawn from my check account, {$480.00} every month. 
On XX/XX/XXXX, I paid off the full balance of the loan. However, the next day, {$480.00} was withdrawn from my checking account. 
I have contacted XXXX XXXXXXXX about 25 times since then, asking them to refund the {$480.00} overpayment. 
In each instance, XXXX XXXX has taken my information and promised to resolve the issue. Yet here we are, almost a year later, and they have not yet repaid me.
Product: Vehicle loan or lease

This vehicle was transferred to a different owner outlined in the presented divorce decree. The legal document was presented and sealed with a notary but no refinance was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX, XXXX XXXX illegally repossessed XXXX XXXX XXXX  Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment. 

After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted XXXX XXXX about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX XXXX  VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account. 

When I made all the disputes, I made it clear to XXXX XXXX that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX   representative over the phone. XXXX even confirmed to me that the amounts were being paid to XXXX XXXX by them on my behalf every time a payment is made through my XXXX XXXX  account. 

For the record, both these accounts were on automatic billing and payment directly with XXXX XXXX. I never knew that XXXX XXXX took me off of the auto pay around XX/XX/XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize. 

Around XX/XX/XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable XXXX XXXX 's online payment system is, I decided to start paying them directly from my XXXX XXXX  account. 

Around XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research. 

Around XX/XX/XXXX, I spoke with XXXX and XXXX of XXXX XXXX - I was told that I would be receiving a letter from XXXX XXXX indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report. 

Today, XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that Account # XXXX is still showing the 30-day late. 


Records will show that I always pay my XXXX leases on time except for the month that their system abruptly and without notice stopped processing my auto pay. 

Records will also show that I always pay these 2 accounts timely and responsibly. 

Records will also show that I always pay these 2 accounts AT THE SAME TIME! 

Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX? 

Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit. 

Please see attached documents for reference.
Product: Credit reporting or other personal consumer reports

The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, Experian & the employees thereof
Product: Credit reporting or other personal consumer reports

Equifax, XXXX  and XXXX  are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct date of birth is not reporting correctly on my credit report. 

1988 Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( 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 than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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

Wells Fargo reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 card

I purchased two tickets for XXXX XXXX XXXX  on XX/XX/ and the festival date was XX/XX/XXXX The festival cancelled the event XXXX hours before its beginning and promised refunding everyone. They never refunded the money for two tickets. The amount is {$200.00}. I called my credit card company ( CITIZENS BANK ) XXXX  XXXX and disputed this transaction. Then on XX/XX/XXXX I got a letter from the bank to include more documents for them. I sent the information to them via email on XX/XX/XXXXXXXX XXXX Then I didnt hear back until I called them again and they requested a call back from the dispute department for me. Its strange that their dispute department doesnt have a direct number!!!! Then in a few days someone calls and promises that they will send me a letter to give me an update about the dispute. Since then I havent heard anything. I called them 3 times again to request another call back but heard nothing. This credit card company is irresponsible and thief. I am waiting for this dispute to complete and close my credit card with them. I just read that they are being fined XXXX XXXX dollars for not handling disputes and fraud well. Please help me with my issue. I am a XXXX  so this amount is a lot for me. You are my last hope.
Product: Debt collection

Jefferson Capital systems is reporting a account on my credit report that I am not aware of and they havent responded to me to show me proof of debt or if they are legally able to report account and or colllect on it. I have had my credit comprised it has been a victim of theft multiple times over the last few years for some reason. Ive written letters and received no response and they are reporting it on all my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Product: Credit card

On XX/XX/year>, I disputed a charge of {$980.00} on my Discover credit card related to a scam for which I made a police report and a complaint to XXXX. On XX/XX/year>, I logged onto Discover and saw that they had found the transaction valid for which I have yet to be sent any communications about this decision. On XX/XX/year>, I called and spoke to a rep who initially stated that they were unable to contact the business. Then, the rep changed his story and said that they received confirmation from the business that this was a valid purchase. However, the XXXX  could not pursue the complaint because the business is " believed to be out of business, has filed for bankruptcy, or can not be located. '' Therefore, I do not think Discover ever made contact with the business or confirmed the purchase. The rep provided me with the number and address of the business that scammed me, which did not align with the number on XXXX  or the number I gave them. The " business '' is a scam and I have yet to be able to contact them since the scam occurred. So I called Discover again on XX/XX/year> and spoke to a supervisor. The supervisor said I had to have something in writing to prove that the purchase was not what I agreed on. I provided Discover with the receipt I received, with an unauthorized amount. I'm not sure how I can " prove '' in writing what was never given to me. The business in question is called XXXX XXXX XXXX. The number that I called for their services was XXXX. I simply was locked out of my house and thought I was calling a locksmith. The locksmith who arrived did not inform me of the price prior to the service. After the service, he charged me {$820.00}. I questioned the amount but he demanded to be paid. I did not know what else to do than pay the man. Once I received the receipt, I realized he charged {$980.00} by giving himself a {$120.00} tip, which I did not authorize. I then promptly called the original number back and was told that someone would contact me about my complaint and never received any communications from the business again. The website was taken down as well. He was not a locksmith, he damaged my door and took my money. The entire thing was a scam. Now, Discover is siding with the alleged business and refuses to charge back my money or appeal the decision.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is not owed for Belmont Finance, whom I am also filing a complaint against. In XXXX of XXXX, XXXX XXXX had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of Belmont Finance for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the ACH payments on an item that was not only paid off, but also returned. Not only was the original account with Belmont Finance closed in XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.