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

XX/XX/2022 XXXX generatated to the following number XXXX XXXX @ XXXX XXXX XXXX was ended @ XXXX. 
Requested email to verify ANOTHER case number XXXX XXXX XXXX XXXX read back to male individual. Wells Fargo male was unable to send verification of the # to my email address. If its not legally documented it never happened. The email should verify and is evidence to the judge in a court of law. 

CONFIRMED NUMEROUS TIMES THAT I " NEVER LIVED IN COLORADO! I WAS ASKED THIS QUESTION NUMEROUS TIMES. ALSO, I CONFIRMED I NEVER OPENED UP ACCOUNTS for anyone!.. I am a state licensed nurse in XXXX AND XXXX. I DO NOT XXXX XXXX AND I DO NOT OPEN UP BANKING ACCOUNTS FOR ANYONE. 
I INFORMED THIS WELLS FARGO MALE THAT I WILL PROVIDE BLOOD TO IDENTIFY MY BIRTH DOCUMENTED BLOOD TYPE. 
I HAVE DOCUMENTED XXXX THAT MY PHYSCIANS WILL PROVIDE THAT I SUSTAINED IN XXXX, ARIZONA, WHICH THE XXXX  HAS IN MY COURT CASES. XXXX XXXX WILL CONFIRM FOR YOU. 

CASE NUMBER : XXXX BY XXXX XXXX XXXX XXXX XXXX XXXX THAT MY CASE WILL BE OPENED BY MEDIATOR XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX EMAIL : XXXX PLEASE CONTACT XXXX  AND LOCATE THIS INDIVIDUAL AND HAVE HIM CONTACT YOUR XXXX OFFICE. LAST TIME THIS INDIVIDUAL WHEREBOUTS WAS IN NEW YORK XXXX. HE NEVER FOLLOWED UP. 

I AM IN POSESSION OF THIS DOCUMENT. 
I WANT THIS TO END! 
I HAVE XXXX AS A RESULT OF ATTEMPTED XXXX I SUSTAINED IN XXXX, ARIZONA. XXXX XXXX WILL TESTIFY ON MY BEHALF. 
I HAVE LEGAL PROOF. THE STATE HAS LEGAL MARRIAGE CERTIFICATES IN MY NAME XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CONTACT DREAMY DRAW COURTS IN XXXX, THE JUSTICE OF THE PEACE WILL VERY THIS LEGAL DOCUMENT THAT I BROUGHT IN FOR THE WELLS FARGO XXXX. HE WILL TESTIFY THAT HE MADE COPIES FOR THE XXXX OFFICE. 
PLEASE END THIS EVASION OF UNDATED HARASSMENT. 

. 
THE SETTLEMENY ADMINISTER AT XXXX XXXX XXXX, XXXX MN XXXX INFO @ WFSETTLEMENT NEEDS TO BE AWARE THAT I HAVE THE ORIGINAL DOCUMENT. XXXX XXXX IS LYING FROM THE XXXX OFFICE.THE OFFICE WAS PROVIDED MY MARRIAGE CERTICATE. ARIZONA XXXX WILL PROVIDE NEEDED EVIDENCE. THE CA AND AZ XXXX BOARDS WILL PROVIDE MY MOTHERS MAIDEN NAME. MY FATHERS BIRTH COUNTRY AND ALL DOCUMENTS. 
WELLS FARGO IS FALSIFYING MY DOCUMENTS AND EVADES MY CASE BY STARTED A NEW CASE, I HAVE BOXES OF WELLS FARGO DOCUMENTS THAT NO ONE AT WELLS FARGO HAS EVER RESOLVE. 
I WILL PROVIDE THE NAMES OF MY BIRTH SONS AND BIRTH DATES AND HOSPITALS IN XXXX. 

ONCE AGAIN I HAVE PROVIDED ALL EVIDENCE. 

XXXX XXXX, XXXX PLEASE VER
Product: Mortgage

The payments that I call in to my mortgage company ( Carrington Mortgage ) continue to be placed on another persons account. I first noticed this happening in XX/XX/XXXX. At that time I spoke with several people at my mortgage company who  admitted the mistake. Nothing was done and I went around in circles. I wasted my valuable time and suffered with much stress over this. The issue was finally resolved in XX/XX/XXXX. At this point I thought this was a fluke and it would not happen again. 
I then called in a payment on XX/XX/XXXX and then two payments on XX/XX/XXXX. At that point I still took it for granted that my payments had been placed on my account for the mortgage of my home. 
Today, XX/XX/XXXX I called in another payment. When I called this payment in they told me that I wass in arrears XXXX, XXXX, XXXX and XXXX. I was transferred to a specialist named XXXX. XXXX found the payments and told me they were once again applied to another account. I expressed my distress and told her that I have already been through this one time before. The previous lengthy process created much undue stress, wasted my valuable time and negatively impacted my credit. XXXX told me that was in the past and not her concern. Her lack of empathy enraged me. 
The phone conversation ended with XXXX stating that she would pass the information on to her supervisor. I asked for her supervisors contact information and she told me that she could not give it to me. I then asked when her supervisor would be in contact with me and she stated it would be within 24 hours. I did hesitantly make another payment today while I was on the phone with her and got my confirmation number.
Product: Debt collection

Ditech Financial LLC is trying to collect an account that have already taken care by the bank on mortgage that was a predatory loan and violated my rights for refinance and my home was foreclosure. Company calls me with threats if this amount not paid they 're going to take illegal action and putting false information on my credit report.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$34000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX Balance : {$300.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Opened the platinum checking account on XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. 
Received a direct deposit of $ XXXX within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019 and on XXXX. XXXX, 2019, MB FIN SVCS add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

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

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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

Please see the attached documents as it includes my complaint and identification.
Product: Credit reporting or other personal consumer reports

My credit report includes items that stem from fraudulent activity, none of which I ever authorized or benefited from. This situation misrepresents my character and is deeply upsetting. My rights have been violated, causing significant distress. Although I've already reported this to the Federal Trade Commission, these items still remain on my report. Its frustrating to see that the very system designed to protect individuals in my situation hasnt provided a resolution.
Product: Credit reporting or other personal consumer reports

These loans from XXXX XXXX for XXXX ( Graduation in XXXX ) in XXXX, OH originated XXXX or XXXX years ago and reflect balances on Transunion from XXXX XXXX. They have been sold to several companies a few times over resulting in the dates being as recent as XXXX. They do not appear on XXXX at all. There has never been a single payment made on any of the XXXX accounts in question ( balances- {$1900.00}, {$1100.00}, {$3900.00}, {$4800.00}, {$7700.00} and {$9300.00} ). I contacted XXXX and was able to verify on the website that no student loan of any sort is listed in any of my accounts. Transunion has the XXXX above amounts listed ( I did make a dispute ). I spoke with the Department of Education and they attempted to scare me and bully me into making a payment or entering into a repayment plan, I declined to do either. The department of education also claimed that I owed over XXXX! I am unable to get a home loan for myself and my kids while I'm surrounding a divorce from my husband. I don't know where else to turn. Please help!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are reporting on my credit report are unverified accounts. These accounts date back as far as XXXX, I have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has these accounts. I have sent in the accounts with the dates these accounts were opened.
Product: Money transfer, virtual currency, or money service

My identity was stolen a Maryland state id & boa bank card XXXX prepaid cards etc .. my. Whole wallet & will like a lock in my social security number
Product: Mortgage

After the last trouble paying these people not much has changed. I contact this company earlier this month, a representative looks up my account accepted a full payment from me and thanked me and gave me a confirmation # .the funds where payed to them from my bank. Now today my account shows the funds have been sent back to my account. This company has no intentions on working with me to pay this dept. They are a terrible run company that is preying on homeowners like myself. Any help with this Company would be appreciated.
Product: Credit card

On XXXX XXXX, 2016 I received pre-certification from my mortgage lender based on my credit score of XXXX. On XXXX XXXX Chase erroneously reported credit card account : XXXX with a balance of {$10000.00} and usage of 99 % of credit which resulted in a damaging drop to my credit score of XXXX. In less than 24 hours I will be going into settlement/closing on my primary residence after a week of painful negotiations, where my credit will go through a final review and display this erroneous, fraudulent, account on my profile, and I want Chase to be held liable for the potential of me losing my home, and/or no longer being honored the pre-authorized fixed rate of 3.25 % for a 30-year mortgage, which was calculated prior to the fraudulent report that Chase applied to my account. I have been on the phone with Chase for seven hours and still on the phone trying to resolve this. They first gave me an extremely hard time claiming they did nothing wrong and then admitted their error and sent me a fax documenting the erroneous report with the updated correct information, however the 3-5 business days turnaround is too long as I am closing in 24 hours. I asked Chase to then call each of the bureaus to make a physical follow-up phone call and XXXX ( who refused to provide me her last name ) at Chase 's Credit Bureau Specialist Unit Department was reluctant and rude and hung up on me. I called back and spoke to XXXX XXXX in the same unit and he was apologetic, sympathetic and helpful and did what he could to contact XXXX, but they still said it would take 72 hours to be removed and for the score to be recalculated. 
I beg of you to hold Chase accountable for this is complete injustice, fraud, and criminal. They need to contact each of the credit bureaus immediately, in physically speech to each bureau individually ( an electronic processing of 6 business days is not acceptable in my situation ) and have this account removed and request a rapid rescore from each bureau and I want physical documentation from each bureau that it has been removed and I want my rapid rescore provided from each so that I am not in financial ruin, and Chase needs to shoulder the cost of the rapid rescore not me. How can Chase be allowed to do something like this please ensure that they are penalized in some way, this is absolutely outrageous. How do banks continue to be allowed to hurt law-abiding citizens of our country without any recourse or accountability?
Product: Debt collection

Comenity Bank called me 7 times in the span of XXXX minute this morning, no message left. I did not know who the number belonged to and had to look it up.
Product: Debt collection

I was playing professional basketball overseas and there were several unauthorized purchases & accounts taking out of my name which included an auto loan, credit cards, Affirm, XXXX XXXX XXXX loans. The total amount of the Affirm loan XXXX XXXX XXXX XXXX purchases ) is {$5100.00}. The dates the loans were processed is XX/XX/year> & XX/XX/year>. Affirm has sent a numerous amount of text and calls asking for payments for these loans and i have informed continuously that i was a victim of identity theft and i didn't make the purchases. I provided them with police report as well as a affidavit to show proof of identity theft. Despite those circumstances, Affirm has ignored those messages and continuously accused me of making those purchases. This has been a very stressful and strenuous process because i didn't make the purchases, i am a victim of identity theft, i have been ignored by then in regards to coming up with a solution and i even feel a strong sense of discrimination due to my XXXX.
Product: Checking or savings account

XX/XX/XXXX @ XXXX, I deposited a check at a Bank of America XXXX Maryland XXXX XXXX XXXX XXXX drawn from my attorney 's Bank of America XXXX Maryland XXXX account ) in the amount of {$21000.00} and specifically asked the teller if a hold would be placed on this check and if I could receive a portion of the funds. His response was " there is no hold ; however, our bank policy states that we can not release the funds until XXXX hours and you will have access to your funds tomorrow. '' Paper receipt also showed " total deposit to check {$21000.00} credit pending posts on XX/XX/XXXX, Available now {$0.00}, Available balance {$20.00}. I also checked my online account which also stated " XXXX XXXX credit on XX/XX/XXXX, {$21000.00}. Total deposit {$0.00} Available now, {$21000.00} Credit pending ( Available to cover items posting on XX/XX/XXXX ). Available next business day for withdrawal and debit card purchases. ) I then began to make arrangements/promises to pay some past due bills ( i.e., utility turn off notice, car repossession, etc. ) and dropped my vehicle off for services- to be picked up and paid for on XX/XX/XXXX. At XXXX, Bank of America sends me an email stating that they've placed a hold on my check because specific information indicates item may be returned. Date Available, XX/XX/XXXX by XXXX. If we didn't tell you about this hold when you deposited the check, we will refund any overdraft fees charged because of the hold, to get fees refunded call the phone number on your statement but check your Available balance in the meantime to avoid overdrawing you account and you can also set up alerts. After receiving this message, I immediately called customer service and was given an apology for the misinformation but a check in that amount must be placed on hold to verify funds and to protect myself and the bank. So I explained to her that the Teller, paper receipt, and statement on my online account says something totally different, I had bills due that I'd already promised to pay, and the email notification indicated that there an issue with the check and I needed clarity. I asked and was told that the email " hold '' statement was a generalized statement. I then informed the CSR that I was ending the call and would follow-up tomorrow at the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Credit card

My credit card information was it ruinously used in online by someone in the town that that I don't associate with in in a morning them to refund my funds I was told within 7 to 10 days after the receipt of the claim form now they tell me 60 to 90 days. I understand 60 to 90 days to complete the investigation. But I was told that man account with me refunded by the fire department within 7 to 10 days after receipt of the claim form in which I mailed back on the XXXX of XXXX and I continue to try to to send a copy of this but every time I do it it takes me back to the beginning that's a problem with you guys
Product: Credit reporting or other personal consumer reports

XXXX account has been closed since XX/XX/year>, the original amount listed on my credit report is {$14000.00} this was a voluntary repossession i gave the car back because the cars condition wasnt going to last me the term of the loan the car had a bad motor and i reported that to both the loan company and the dealership the first 3 days of financing. since i have given the car back they sold the car againat an auction. they wanted me to pay the remainder of what wasnt paid at the auction for XXXX dollars. the loan remainder has been passed two different companies since then XXXX is no longer in charge of this balance and that is what is being shown on my credit report. i have disputed this situated many times and all XXXX does is update remarks on my credit report but they no longer own the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX obtained my credit report from Experian without my authorization. My Experian account is frozen, yet XXXX claims they obtained my report. My auto insurance provider XXXX XXXX XXXX obtains a Insurance Score from XXXX ( see attached documents ). I requested a copy of the report from XXXX which they sent and they site Experian as the source of the credit information.
Product: Credit reporting

Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. 
I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. 

XXXX XXXX XXXX