23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022, I received a phone call from Wells Fargo phone number XXXX and the person I spoke to claimed they were a Wells Fargo Fraud Protection agent. This person then sent a 6-digit code to my cell phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person, thinking they were a trusted Wells Fargo representative XXXX This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. This unauthorized person withdrew {$1000.00} from my checking account via XXXX and pulled a cash advance of {$2900.00} from my credit card, transferred to my checking, and withdrew via wire transfer. I submitted a fraud claim to Wells Fargo within 5 hours of the event occurring on XX/XX/2022. As of XX/XX/2022, I was informed by Wells Fargo that my claims were denied and that I was liable for {$1000.00} XXXX transaction, the {$2900.00} cash advance as well as the cash advance fee of {$140.00} plus the interest that has accrued on the cash advance at a rate of 24.24 % APR. Their reason for denying the claims were that I authorized the transactions by providing the 6-digit code to the fraudster. However, my argument is that this fraudster utilized Wells Fargos own identity verification methods against me and I DID NOT authorize these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

We petition for irrational card interest. 


The first time I received my bill by email after purchasing a product at wayfair was XX/XX/2020 ( waywaircard in comenity Bank ), but that amount was plus interest after delivery. I didn't receive any bills before XXXX.. I immediately e-mailed and called the bank to inform him of the fact, and after solving all the problems by phone, and after deducting interest, I paid the principal in a lump sum. However, they continued to add interest to interest and found that they sent a total amount of {$120.00}. So, knowing that, I called the bank to solve the problem, but they dismissed my request. When I looked at the e-mail that came to me as evidence, I was clearly able to find the exact date of the e-mail they sent me. Whether it was a mistake by the credit card company or was it deliberately sending the bill late to prevent consumers from paying on time. We sincerely hope that you will resolve any interest incurred as a result of their negligence. For reference, I am a very good credit score holder, and I am still a person who keeps the deadline. Please. I want a clean solution.
Product: Credit card

I logged on to the website to manage my account online. The website would not allow me to sign up for account alerts. This company never sends me paper or electronic bills. I need to be able to see my account. I called to get help from customer service regarding this and they refused to help me. I asked to speak to a supervisor and they left me on hold or hang up on me. I have called several times today. I have let them know that I have no other options but to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$590.00}
Product: Credit card

I received a message from XXXX XXXX XXXX department about a possible fraudulent transaction. Within XXXX hours I said yes the XXXX dollar charge for tickets was not me. I called the XXXX department, closed my card before the transaction even went through. They told me we will refund the XXXX charges. After I was refunded XXXX XX/XX/XXXXof the charges they re charged me the money and said the charges were on me. I asked for them to reconsider. They now told me after almost a month they will not. The XXXX people will not refund me because I don't have the info. I don't understand how I can be told by a fraud department that there was a fraudulent charge on my account go through all the steps and then re charge me. It brought down my credit score because it took so long so I had to pay it. I have no where else to turn. I believe they did it because it was over a certain amount of money so they put it on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT 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. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$100.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$280.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$220.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the HIPAA, Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Checking or savings account

Name : XXXX XXXX XXXX ID : from early warnings Date of Birth : XX/XX/XXXX XXXX ID Type : Drivers License ID Number:XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX - XXXX ( Open XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery appeared on my credit report XXXX. They claim that I owe them {$4700.00} even though Ive never done any business with this agency., nor have I accepted any funds from them. Ive disputed this report numerous times. On XX/XX/2023 I sent a handwritten letter to this company requesting the original copy for the debt in question. I received no response. Im not liable for this debt of Portfolio Recovery. I have NEVER entered into any contract with this agency.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and distress over the prolonged failure to remove fraudulent, inaccurate, and misleading information from my consumer credit reports. Despite my numerous disputes and supporting documentation proving I am a victim of identity theft, these harmful items incredibly remain. 

The presence of this fraudulent information is extremely distressing and has caused me significant XXXX impacting my creditworthiness and financial well-being. I did not authorize or consent to any of the accounts or information infiltrating my credit reports. As the victim here, I should not have to endure this unlawful situation any longer. 

I must inform you that I am now pursuing legal action against your organization for violating the Fair Credit Reporting Act by allowing verified inaccurate information to remain on my credit reports. This is unlawful and unacceptable.
Product: Mortgage

I have had an existing loan with CCO Mortgage ( https : //www.citizensone.com ). They have repeated ignored my attempts to refinance my mortgage. My interest rate is so high ( 8.125 % ) and it is causing stress on my monthly finances. They do not want to touch my loan b/c they are getting such a good deal for the bank. The loan was taken out in 2005 and is a XXXX trust. All they tell me is they ca n't help me b/c it 's a XXXX loan. They are not helpful and they do not ever try to assist me in my re-fi efforts. I have tried to combine my XXXX and XXXX trust loans with them but they still do not call me back or offer any guidance. I would like to report them for being abusive with an existing customer and taking advantage of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit card

My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$100.00}, XXXX XXXXXXXX XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Enhanced Resource Centers is a debt collection company based in Florida. Since XXXX, XXXX, this company has been calling me at least once a day, sometimes twice a day, EXCEPT on weekends, from a toll free number XXXX XXXX. Not once has I received any written communication nor a voicemail stating the amount of the debt, the kind of debt, et al. 

I blocked this number but this company managed to call anyway. I do have an app on my phone that blocks any number of which I am unfamiliar yet this company was able to bypass the block. 

After much of this harassment, I finally submitted a complaint to the XXXX XXXX XXXX and asked them to help me resolve this problem. I was forwarded a response from Enhanced Resource Centers that was sent to the XXXX stating that " ERC was not made aware that the number we were calling was incorrect for the consumer we were attempting to reach prior to this complaint. '' They then had the temerity to request that I contact them to " add into our internal Do-Not-Call records to prevent further contacts from our office. '' I did not receive an apology either. The person who sent the letter was someone named XXXX ( XXXX ) XXXX who refers himself as " Director of Legal. '' I looked this guy up on the Florida XXXX XXXX website ; XXXX is NOT an XXXX. He DOES have social media accounts however. 

This company is rated " B '' on the XXXX XXXX XXXX website and with good reason. They have had many people complain about them which complaints are also posted on the XXXX website. This company is unscrupulous in that they continue calling people who may or may not owe money and I even went ahead and requested and received a free credit report to find out if there was a debt that I failed to repay. The credit report came back unblemished which is what I expected. 

Enhanced Resource Centers needs to be contacted by the attorney general with a cease and desist letter and/or at least be sued for deceptive practices.
Product: Debt collection

Call was made to Mechanics Bank to inform that I would be making a payoff to complete the loan debt on XX/XX/23 and I was informed that not only would the account be noted but it would not be reported. Proceeded as such and made the payment online as I was instructed and informed that I can do without issue. 

Soon after I get a notification from my credit reporting application and when I checked it thats when I noticed my credit suffered a drastic hit albeit the debt was fully paid. I was hit for XXXX points at least. Called my contact to inform her of what happened and she was shocked to why it happened especially with my account showing paid in full and account was closed, yet at that time it was reported as 47 days late at the time and again hit my credit report. She advised that a supervisor would contact me which never happened. 

This led to yet an email to customer service and a cc : to the CEO including documentation showing and establishing that I held my end of the bargain and needed my title finally released. No response so I called back after a few days ( it was actually last week to the day on XX/XX/23 when the customer service rep informed me that the title was finally set up for processing to be mailed out on XX/XX/23 but couldnt provide me the documentation then said that XXXX XXXX a higher level employee than this tier 1 worker ) informed me and worked with me personally to the point that I had her direct line shouldnt have. This is wrong because of past agreements Ive had in the past with them but suddenly no documentation was available. I expressed my concern and stated that even with the payment done on XX/XX/23 and it is on record that I was dinged for making a full payoff but not rewarded for my debt being settled on my credit report because Mechanics Bank clearly didnt report it correctly.
Product: Credit card or prepaid card

I submitted a claim the company have not look into the claim or give me my money back. it was a vanilla visa gift card. my name is XXXX XXXX my claim number is 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 15 USC 1681. 

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 and XXXX XXXX XXXX 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 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.