23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I closed my checking account with Wells Fargo on Friday, XXXX/XXXX/15 in person at the same branch I opened it 15 years ago. The teller confirmed that the account would be closed and handed me in cash the remaining balance. I also have a credit card account with Wells Fargo and it was setup to autopay from my checking account. Payment was due on XXXX/XXXX/15 in the amount of {$290.00}. I attempted to cancel that autopay but they do n't allow you to do it online. Since the checking account had been closed, I decided to not worry about it since could n't very well autopay from a closed account. I made payments of {$500.00} & {$1000.00} to the credit card account on XXXX/XXXX/15 from XXXX separate checking accounts outside of Wells Fargo. Both posted on XXXX/XXXX/15. Wells Fargo proceeded to deduct {$290.00} from my closed checking account and transfer it as a payment to the credit card account. This caused the checking account to be charged a {$35.00} insufficient funds fee. I specifically opted out of their overdraft system previously and chose to instead have them deny payment if insufficient funds due to their manipulation of their internal system to generate fees. They then transferred {$290.00} from my credit card account ( yes, the same XXXX they had just paid ) to cover the overdraft in the checking account and charged that account another {$35.00} for paying the overdraft. Another option that I had specifically exercised to not implement because of the outrageous fee they were going to charge for as little as covering a {$1.00} overdraft. They set the system up so they would make {$70.00} for any possible overdraft if you let them tie it to your credit card account. After speaking with the Wells Fargo claims department after sending them an email detailing the problem, I was informed by the claims department person that I needed to take this up with the local branch because she did n't show the account closed. So far, I 'm about an hour into trying to protect my money and still have to spend time at my local branch. I would n't file this complaint at this point except I doubt I 'm unique in this situation and I suspect that Wells Fargo has generated a great deal to their bottom line by manipulating accounts and fees and most people just give up rather than fight them. Of course, that 's exactly why your agency was created and hopefully you will be able to force them to quit these heinous practices. One thing is for sure, I made the right decision last Friday to close my account with Wells Fargo. Thanks for your time. I have enclosed a document that contains my account info and copies from online of what transactions took place.
Product: Credit reporting or other personal consumer reports

Delete all hard Inquiries off of my credit report immediately, collections and late payments. This is stopping me from buying a house for my family. As I list these items can you please delete these requirements. XXXX. XXXX XXXX XXXX XXXX. XX/XX/year>. XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. Code 1681 - Congressional findings and statement of purpose Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on the creditors/company many times but they have failed to provide necessary documents to proved that the account is mine. As a result, it drops my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Investigate and Remove Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am submitting this complaint to address the inaccurate late payments reported on my US Department of Education ( US DEPT ED ) account as reflected on my credit report. These inaccuracies are not only misleading but also a violation of my rights under federal consumer protection laws. 
Nature of the Complaint : Inaccurate Late Payment History : The late payments listed for XX/XX/XXXX through XX/XX/XXXX are erroneous. The account was in deferment status during this period, and no payments were due. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting breaches the FCRA ( 15 USC 1681i and 1681s-2 ), which mandates that credit reporting agencies maintain and report accurate information.

Improper Account Status : The account is listed as " Late 120 Days, '' a designation that is entirely inconsistent with its documented deferment status. 
Failure to Correct Errors : Despite the deferment being evident, no correction has been made to the account, highlighting a failure to adhere to responsibilities under 15 USC 1681s-2 ( a ) ( 2 ). 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Requested Resolution : I am requesting a thorough investigation of this matter and the immediate removal of all inaccurate entries associated with the above account. Please provide written confirmation of the changes made within 30 days. If this matter is not resolved, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse if necessary. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported incorrect information to Citibank when I applied for a personal credit I sent a letter to XXXX about the issues but nothing has been resolved
Product: Credit reporting or other personal consumer reports

n 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 U.S.C 1681 FAIR COLLECTIONS & O. Experian Credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Debt collection

I received a notice from this company informing me they were unable to verify the debt and that it would be removed from the credit bureaus along with the judgment to be removed as well. The collection account was removed from all 3 bureaus. However, only XXXX removed the judgment, and I had to contact them to do so. Either this company did not comply, or XXXX and XXXX did not.
Product: Checking or savings account

Wells Fargo : XXXX loan, checking account closed without my knowledge, fees, higher interest rates, XXXX payments not applied correctly to loan. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # 1**** Account Name : XXXX XXXX XXXX  XXXX Account Name XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of Identity theft, because these items ( below in the report ) I do not recognize, I think somebody used my personal data and information otherwise I can not understand how they appeared in my credit report. Please figure out the details and remove these accounts from my credit report.
Product: Bank account or service

Wells Fargo Legal Department submitting to the reckless demand of XXXX XXXX XXXX XXXX to out XXXX levies on my husband ; 's account and wiped out his savings. Because it iwas XXXX my income and the legal dept of my bank -- XXXX bank advised me that the levy was improper and rejected it. It was proved true by our CPA later. Wells Fargo is unnecessarily delaying to lift up XXXX successive levies that causes hardships on my husband..
Product: Credit reporting or other personal consumer reports

The background report I received list XXXX XXXX criminal charges from XX/XX/XXXX. The Disposition on these cases are listed as PENDING CASE. 

The acutal dispostion as shown publicly by the case number in the county is : Dismissed Due to Plea on Other Count and Pled Guilty As Charged. 

I was sentenced to probation on XX/XX/XXXX and a PTP - Petition Early Termination Probation Order was submitted on XX/XX/XXXX. 

I was received an ODM - Order of Discharge from Probation - XXXX XXXX on XX/XX/XXXX. 

I then received a SJU - Satisfaction of Judgment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never completed a XXXX XXXX bankruptcy, and there 's no reason it should even be on my credit report. I was told this would never show because it was dismissed and never filed due to the fact that I did n't have the most recent Tax Return to complete the process so it was dismissed. This should be removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that a validation is requested. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account opened on : XXXX XXXXXXXX XXXX  Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in XXXX has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Proof that you are licensed to collect in my state. 
Your license numbers and Registered Agent or Agent of Service. 
Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code 8, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XXXX 2023 Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

To Whom It XXXX Concern, I recently challenged the validity of XXXX XXXX account and it is still being reported on my most recent credit report. Upon challenging this, XXXX has deleted the account basked on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with your company, you have " verified '' the same account. It is it my understanding that the credit reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, XXXX XXXX.
Product: Debt collection

At first contact from " Delmarva Collections '' in XX/XX/XXXX, I instructed this company : to NOT contact me again, since this " DEBT '', is not mine. Check their " RECORDINGS '' of our conservation on this matter. 
Another one ( 1 ) ring phone call occurred in XX/XX/XXXX. 
Today, XX/XX/XXXX, @ XXXX, the second phone call on the year occurred. From XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Credit reporting or other personal consumer reports

Hello Sir/ Madam, I have a car loan with XXXX XXXX XXXX XXXX . In XXXX, I noticed that my credit report showed me as negative 30 to 60 days past due by XXXX. 

I was auto-enrolled with a monthly payment of {$390.00}, for which I have listed my XXXX XXXX checking account. There is a direct deposit of {$500.00} in my account every month. I only use my XXXX XXXX account for my car payment, which is payable to XXXX XXXX XXXX XXXX. In the month of XXXX, XXXX forced XXXX insurance on my account which I was not even aware of, and they were trying to take {$1000.00} out of my account as a monthly payment in the month of XXXX, XXXX, XX/XX/XXXX. 

When I cross-checked my XXXX XXXX account in XXXX ; there was no lapse in the deposit of {$500.00} every month, the money was still sitting in the account. When XXXX XXXX did the investigation, they informed me that instead of deducting {$390.00} from my account, XXXX was trying to deduct {$1000.00} from my account every month without my permission and authorization. XXXX was unable to deduct {$1000.00} from my account every month ; there could be a possibility that XXXX XXXX restricted the {$1000.00} payments that XXXX was trying to deduct without authorization. When I opened up my XXXX XXXX account, I specifically told the bank the reason which is for auto payment of {$390.00}, and the account will not be used for any other purpose. Maybe that is the reason when XXXX tried to deduct {$1000.00} out of my account every month without my authorization, XXXX XXXX restricted the payments. 

I have never been late on my payment since I purchased the car. 

When I called and checked with XXXX about the reason for reporting late payments, they told me they were trying to deduct {$1000.00} per month, as they have forced a XXXX insurance because for some reason, they thought I did not have insurance. 

I have to send consistent emails and involve my insurance provider regarding this matter. XXXX verified that I always had full coverage on my vehicle since I purchased it. 

When my Insurance provider sends them all the binders and proof of full coverage from the time in question Policy Number XXXX for policy dates XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. 

XXXX finally removed the XXXX  insurance and adjusted my payment to {$390.00}. 

When I requested XXXX to remove negative reporting from all three credit bureaus because it was their fault, XXXX refused. 

Please help me remove adverse reporting from all 3 credit buereos. 

Vehicle Year : XXXX Make : XXXX XXXX Model : XXXX XXXX : XXXX I am attaching my policy which clearly states that I had full insurance throughout the year XXXX and till XX/XX/XXXX and a screenshot of email which was send from XXXX to XXXX. 

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

I filed bankruptcy and this loan was included and they are adding remarks to my credit report that the loan was sold to another debtor
Product: Credit reporting, credit repair services, or other personal consumer reports

the account was opened on XXXX/XXXX its been paid off since XXXX/XXXX but its still reporting and showing on my credit report
Product: Credit reporting 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 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 information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX