23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding inaccurate information on my credit report, which I believe is the result of identity theft. Specifically, there are collections and closed accounts with reported balances and late payments that I do not owe, and these accounts do not belong to me. 
I have provided a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which confirms that I am a victim of identity theft. I have taken appropriate steps to resolve the issue, including filing a police report and placing fraud alerts with the major credit bureaus. Despite these actions, certain accounts continue to reflect balances and late payments that I did not incur, and collection agencies continue to report debts I do not owe. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report be accurate and verified. Under this law, I have the right to dispute any information that is incomplete or inaccurate. In addition, I am entitled to request that any information related to identity theft be removed from my credit report if it can not be properly validated. 
The accounts in question are : DISCOVERBANK - XX/XX/year> - XXXX I request that the CFPB assist in ensuring that these incorrect collections, balances, and late payments are investigated and removed from my credit report. If the accounts can not be properly verified as mine, I am requesting that they be deleted from my credit history, in compliance with the FCRA. 
I have already reached out to the credit reporting agencies and the collection agencies involved, but this issue remains unresolved. I am requesting your assistance in investigating these claims and ensuring that my rights under the FCRA are upheld. 
Thank you for your attention to this matter. I look forward to your prompt assistance in correcting these inaccuracies. 
Please remove the accounts listed above as they were not authorized by me. All accounts above were opened fraudulently and were not authorized by me. Please remove all of these negative accounts on my credit report as soon as possible.
Product: Mortgage

We began the refinance process with PHH Mortgage in 2011. Over the course of 6 months PHH continuously stalled the process. An employee with PHH consistently failed to inform me that she did not have the required documents from the bank and when she did tell me it was too late to get the documents before the fixed rate offer expired. It was clear to me that the company was stalling so that I missed the date. After 5 months of their stalling, the told me the only way that I could get the original rate was to pay an extra point, which amounted to {$2300.00}. When I complained, the sent me an apology and a {$500.00} refund. I would like the remaining {$1800.00} dollars and I have documentation showing the delays were caused by PHH. Additionally, I was told by someone at PHH that my service rep had left the company and that is why the process did not work for me. In my opinion, PHH Mortgage intentionally delayed processing my paperwork and incorrectly blamed the delay on my bank in an effort to charge me more points. I believe that they did this because interest rates rose sharply immediately after I started the process but after I had locked in my rate.
Product: Debt collection

In early XXXX I was notified by my credit monitoring service that a derogatory item had been added to my credit file by Eastern Account System of XXXX XXXX, CT. The debt added to my credit file had already been paid in full ( {$310.00} ) to the original creditor, XXXX XXXX XXXX. 

Eastern Account System persists in sending collection statements, despite a copy of my receipt being mailed to their address on XXXX/XXXX/2017 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX. 

When they failed to remove it, I filed a dispute with XXXX ; XXXX contacted Eastern Account System and was told the debt was valid. I spoke with XXXX XXXX XXXX, and no one from Eastern Account System had reached out to them to verify that fact -- thus Eastern Account System is acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I bought a NetSpend card put money on it to pay a bill, then was denied account activation to use the card.my bill is past due with added fees, and still haven't received a refund check it's been a month Every time I get ahold of them I'm told I have to wait 10 days or they hang up on me.I Now owe double with extra fee's.I think they need to compensate me money.
Product: Debt collection

On XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX True Accord emailed from XXXX to my relative in attempts to collect a debt from over 10 years ago and disclosed my personal financial information. I sent them a cease and desist letter on XX/XX/2021 after my relative forwarded me the email which caused distress within my family. They sent another email on XX/XX/2021 at XXXX XXXX, again releasing personal financial information to my relative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person. I am begging for help at this point
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing errors ( 4 ) The creditors failure to reflect properly on a statement or a payment made by the obligor or a credit issued to the obligor.
Product: Debt collection

After moving, we got behind on paying credit card. XX/XX/2016, contacted Capital One regarding past due debt XXXX ; we wanted to make payment. They transferred my call to a " lawyer '', who was far from professional. Name was XXXX XXXX XXXX. He stated that he would accept {$1900.00} settlement if I gave him our account information immediately. I told him that I would not be giving anyone access to my account. He said he could not help me without account info. On XX/XX/2016, we made an appointment with our attorney. He contacted Capital One & was also transferred to a " lawyer ''. The situation was explained to her & she stated that the first lawyer was incorrect in his information ... that they could not take any payment from us because we had moved to another state. She said she would have to send us information. Our attorney said to wait for information. We never got any information ... its now XX/XX/XXXX. We want to pay this credit card balance & have it reflect as paid on our credit report. At this point, we have no idea what to do to get a settlement in writing so we can take care of this situation.
Product: Mortgage

I am currently trying to buy a house with a different lender and Pentagon Federal Credit Union is not reflecting my XX/XX/2020 and XX/XX/2020 payments from my previous home. I have requested the transaction history which still does not show the XXXX and XXXX payments and I have requested. It is preventing me from being able to move forward with buying a new home with a different lender. I feel as if I am not being prioritized because I am no longer using their services.
Product: Money transfer, virtual currency, or money service

This complaint is in regard to the Wells Fargo and the XXXX payment service. 

A friend of mine sent me a XXXX payment of {$1800.00}. Her bank XXXX, has a glitch in their system which caused a double payment to be sent. She called her bank XXXX and XXXX of those payments were cancelled. 

I received the {$1800.00} ( XXXX payment ) in my account at Wells Fargo, however my bank Wells Fargo first blocked online usage of my account, then blocked my XXXX account as they said theres a claim of fraud associated with this transaction. I called them to communicated that it is a valid payment and theres no fraud whatsoever. 

Since this occurred, Ive had two called with ( 1 ) the sender of the payment, ( 2 ) XXXX representative, and ( XXXX ) Wells Fargo representative. 

XXXX has reiterated several times that : There was NEVER any fraud that occurred nor have there been ANY claims of any type made associated with this transaction. This issue was caused by a glitch in XXXX XXXX system which caused a double payment to be made and XXXX they reversed. 

I have been a customer of Wells Fargo for over 35 years. I have used XXXX for over 15 years and never have there been any complaints or anything else associated with my account or use of XXXX. 

It has been over XXXX weeks since my use of XXXX has been blocked from no fault of my own. I have requested several senior officials @ Wells Fargo and XXXX to contact me, yet until this time, none of them have returned calls or addressed this issue. 

My XXXX account is still blocked. 

Please consider this an official complaint against XXXX and Wells Fargo. The block on my use of XXXX should be lifted. 

Thank you. 

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

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX  XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

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 a or my account without my written instructions.
Product: Money transfer, virtual currency, or money service

Using Wise ( formerly Transferwise ) I began a transfer of around {$4000.00} USD into XXXX Pesos on XXXX XXXX, 2022 using a business account. 

-It is important to note that setting up the business account cost me {$31.00} USD and it required me to provide proof of address of the business, ID 's of myself and account details for my business. 

The next day, on XX/XX/ 2022 and after XXXX hours that Wise received the money they asked me again for proof of the bank account transfer and proof of ownership to this bank account ; I submitted them immediately. After XXXX hours of submitting it Wise sent me another email asking for the same details : I uploaded them again and called their customer service line ; they told me that I uploaded the documents in a wrong place but they've found it and will take care of it ( I did not wanted to argue but there is only XXXX place I could upload information ). 

XX/XX/2022 still no news about the transfer. I called again and they told me they would take a look into it. After this, a button to share the status of the transfer appeared on my end and it was shared with the receiving end ( the estimated time to deliver the transfer was at most XX/XX/XXXX ). 

XXXX XXXX, 2022 after another unproductive call to the customer service line another set of documents were requested over email and the web app. They ask again for proof of ownership of the account and again for an ID which i submitted. They confirmed they've received the documents but should wait XXXX hours. 

XXXX XXXX, 2022 the button to share the status disappeared sending a very troublesome communication to the receiving end. Delivery status changed to undefined. I cancelled the transfer and asked for reimbursement. 

After this I called every week to customer service without effectiveness. My money is still on Wise 's hands for a month now and with no clear date to when will I get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022
Product: Checking or savings account

On XX/XX/XXXX at XXXX and XXXX there were two fraudulent charges on my account that I did not authorize. The first being fraudulent XXXX  XXXX New York for the amount of {$140.00} and the latter being XXXX XXXX XXXX XXXX XXXX New York for the amount of {$100.00}. I did not have knowledge of either transaction nor did I give permission or authorize these charges in any way. Both transactions were made out of New York and I do not reside, have ever lived, or even known anyone from that state. 

After seeing these charges on my bank statement I immediately opened a dispute with Current Bank and even took the extra initiative, contacted the two merchants myself, and was successful in stopping the purchases. Both merchants were able to find the charges and cancel the transactions. 

Current mobile banking started a claim with a dispute on XX/XX/XXXX which remained opened and in review until a decision was stated 4 months later on XX/XX/XXXX. 

Although, the dispute did show, it was yet to be resolved in my banking app. Later on I did receive an email stating that no error occurred and I would not be getting any adjustments on my account. 

After waiting all that time, I had reached my peak with the unacceptable, unethical, and downright unprofessionalism of the bank. This is the third occasion where my bank account was hacked into and I lost funds. Every time I have made a claim and disputed it I was denied. I also had a fraudulent charge on XX/XX/XXXX for the amount of {$96.00} for XXXX that I did not make. A claim was made for this issue as well and no reimbursements were made. In addition, there was a purchase that I actually did make myself but never received the item on XX/XX/XXXX for the amount of {$76.00} through XXXX. This one I tried to get reimbursed as well and { ( Current Bank ) ( XXXX XXXX XXXX ) } did absolutely nothing for me. I am absolutely fed up with their unethical practices at Current Bank and have already changed my direct deposit from their bank to another and am also prepared to report their problematic business with the XXXX. I have tried over and over to get in touch with live agents from the bank and have been stonewalled and denied justice repeatedly. I have concluded that I will no longer utilize this bank. 

P.S. Two of the 4 merchants responded with emails stating that they were able to stop the fraudulent charges and both provided a ticket to track my case. ( see attached emails ) XXXX denied me and instructed me to go through my bank for the ( XX/XX/XXXX ) transaction that I did actually make. For the ( XXXX, XXXX ) charge it was too late to contest with XXXX due to me not seeing it until the transaction had already been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following fraudulent items are needs to be removed : XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$700.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report on XX/XX/XXXX and  discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
Product: Mortgage

Loan Company / Loan Care - XXXX I have been a customer for several years. All of a sudden, the company stopped taking my autodraft payment every 2 weeks. After several months of long conversations with various billing department employees, I was charged an additional {$43.00} to Re-Enroll my account. This has never fixed the problem. 
I am attaching below all of the dates and times spent on the phone with this company on my part to try and resolve this issue without any success. 
In short, each month I have to call them and make over the phone payments. I can not ever get anyone to call me back to fix this issue. I just want them to take the payment via Autodraft and get this issue fixed!
Product: Credit reporting

I am an XXXX so I understand how website/software works. What I described below is not user error. 

When XXXX first came out, I could use the website to get credit reports from XXXX agencies at once. 

Three years ago, Experian first stopped working and gave me this mystery error " Unable to complete your request, please mail your request in '' one year ago, XXXX stopped working, and today all XXXX have stopped working for the online version of credit report requests. 

I am suspecting the credit companies are deliberately making it harder for consumer to request credit reports. Are there any monitoring from CFPB to ensure they comply the law with good intention?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Product: Debt collection

They sent me a lengthy email stating I was going to be facing charges of defamation of character, theft by deception, Sent me an email with my drivers license number, social security number etc.
Product: Debt collection

This account is passed the statue of limitations and it need to be deleted from my account immdeiately and this is extortion because its over the statue of limitations
Product: Checking or savings account

They have been charging me monthly fees and I deposit more than the amount required
Product: Credit card or prepaid card

I have finished the purchase requirement of American Express XXXX credit card. But I did not get the welcome offer for over several month.
Product: Debt collection

Received a call from XXXX XXXX regarding a debt from Fifth Third Bank . I tried asking the gentleman to send proof of the debt to my current address and not the address they have on file but he refused. He then resorted to reciting my full Social Security number as a method of intimidation and threatened to sue me. I was informed the conversation was being recorded, please seek a copy of this recording as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks, I received a call XX/XX/19 about contacting SSI! # XXXX! Blocked Several times but this threat was a big red flag!
Product: Debt collection

In the state of California, the statue of limitations to collect on a debt is 4 years. There are 2 accounts from XXXX XXXX that are reporting on my credit report : 1 ) Account # XXXX Date Opened XX/XX/XXXX 2 ) Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX responded XXXX The law limits how long you can be sued on a debt. Because of the age of debt, we will not sue you for it. '' Also, I have disputed these accounts several times asking XXXX XXXX for physical verification. I mailed all letters certified mail with signed returned receipt on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I requested a copy of the contract with my signature that says I agreed to pay them for this debt. I do not have a legal agreement with XXXX XXXX to pay this debt and I asked them several times to remove these accounts from my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay them for this debt, they must REMOVE both accounts from my credit report. 

XXXX XXXX has responded by sending me old credit card statements from the original creditor. Statements are not sufficient in verifying debt. The law states you must provide the original contract with my signature. XXXX XXXX has and continues to violate my rights according to the FCRA.