23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law. 

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe. 

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.
Product: Checking or savings account

I went to use my debit card. Both were declined. I called bank they said my account was locked due to suspicious activity. I went to the bank. They would not unlock my account.. I called the number they gave me. They said my account is under review .. first they said because back of one of my checks I deposited wasn't signed. When I opened the account my funds were held for over 2 weeks for clearance of the checks.. I opened 2 accounts. Both accounts are locked now. This is 3rd time. They will give me a reason. They will not give me contact information for who is reviewing my account. I have been to the bank with my id they will not let me close it out. I have called several times and they will not give me any reason they just tell me it is under review.. it has been this way for a week. The fraud people I called tell me same thing. I tell them I'm the only one who has accessed my account. They still will not release any of my money. The accounts are through truist bank
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my TransUnion credit report related to an account with XXXX XXXX XXXX XXXX The account details are as follows : Creditor Name : XXXXXXXX XXXX XXXX Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted TransUnion to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my TransUnion credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my TransUnion credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account.

Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

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

I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with Equifax, XXXX and XXXX XXXX. Equifax and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Product: Payday loan, title loan, personal loan, or advance loan

USE OF PROCEEDS Unless the applicable prospectus supplement states otherwise, we will contribute the net proceeds that we receive from the sale of our securities to XXXX  general funds that will be available for general corporate purposes, including, but not limited to, the following : investments in or advances to XXXX  existing or future subsidiaries ; repayment of obligations that have matured ; and reducing our outstanding commercial paper and other debt. 
Until the net proceeds have been used, they will be invested in short-term securities. 
Unless the applicable prospectus supplement states otherwise, Wells Fargo Finance LLC intends to lend the net proceeds from the sale of its offered securities to us and/or our affiliates. We expect that we and/or our affiliates will use the proceeds from these loans for general corporate purposes, including the purposes set forth above. 




This XXXX is telling me that wellsfargo sells XXXX  securities and make profit off of them and reinvest the funds back into the company. I would like my account to get re opened and i would like a open ended credit line.
Product: Credit card or prepaid card

On XX/XX/12 i made a purchase on a website through XXXX for {$190.00}. I cancelled the order the same day and thought that the charge on my card would go away. Once i saw that it did not I immediately submitted a dispute with Citi card. Finally at the end of XX/XX/XXXXthey sent me an E-communication that they needed more information without giving me any way of replying and I accidentally closed the dispute. I called XXXX to see if they could deal with the issue. They said that I should call Citi and have them change the dispute category to " Never received Item '' and reopen it however, after calling Citi 3 times, I only received a communication that I need to pay my balance or my credit would be affected. 

I even have proof that i pointed out to all the agents of Citi that i spoke with that my order had been cancelled by the person in question and they just said " we may need that later on ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote Experian, XXXX, and XXXX credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.
Product: Checking or savings account

Did mobile banking deposit on XX/XX/XXXX for {$21000.00}. The system indicated funds would be available on XX/XX/XXXX. Funds were not available on XX/XX/XXXX. Went to a local branch and was told that the hold would be longer. I was told that the 24 hour banking system could help me and was given an XXXX number. I happened to received a letter, through US Postal later on XX/XX/XXXX, stating that the funds were being held longer because " we have information that leads us to believe that the check may not be paid. '' I called the 24 hour banking line to find out what information the bank had and to get the funds released. The 1st 2 attempts with the 24 hour banking people resulted in my being transferred back to the start of the online system. With 3rd attempt for online service, I was told there was no information in the system explaining why the hold was in place and that I needed to go to a branch. I was transferred back to the original branch I went to in the morning and told there was nothing they could do to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account reporting on my credit report that was discharged in a XXXX XXXXXXXX bankruptcy. Duplicating account information is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX in co original creditor {$4200.00}
Product: Bank account or service

Wells Fargo is refusing to use existing info sent them in connection with the Estate of my Aunt, XXXX and her Stock Account # XXXX. On XX/XX/2017 I sat with W.F. representative XXXX, at XXXX, DE Office, who helped me fill paperwork for Stock ( XXXX. ) sale ( XXXX ), valued at about $ XXXX.Included were Letter of Administration proving Estate establishment, an IRS Employee #, proof of existing Stock Certificate issued by her employee, XXXX , XXXX Medallion Stamps from my bank WSFS, and proper/necessary W.F. Forms. They all were mailed, by courier, that day to W.F. Shareowner Services. On XX/XX/2017 I e-mailed W.F.S.S. and was subsequently told by their XXXX that material was incomplete and an entire new package must be resubmitted and further, nothing he had in hand could be reused. Also, he refused to let me speak with Dept head, XXXX. I wish for W.F.S.S. to allow me to complete their Forms, but use all other existing paperwork to complete transaction. My information is XXXX, XXXX XXXX., XXXX, DE XXXX, XXXX, XXXX. Product information is provided above, but I might add our relationship with W.F. extended over 25 years and at end was awful. Not only were we overcharged interest, which they had to refund, overcharged fees which they never refunded, but worst of all they refused to discuss, ( including today ) my wife 's, ( XXXX ) earned retirement fund for years of employment. W.F. refuses to make any long-term or lump-sum offer or any basis of calculation. This amounts to thousands of dollars they owe her.
Product: Checking or savings account

On XX/XX/XXXX my debit card didn't work, and I tried logging into my bank of america account and I was locked out. I started the horrible process of going through different departments and learning there were two XXXX fraudulent transactions, a fraudulent account added, and a counterfeit check put into the account that didn't clear for the criminal. B of A supervisor told me they were closing my account, that they would flag me to consumer XXXX XXXX that would prevent from getting an account for 5 to 7 years, and that I cant bank with them anymore it was their final decision. They treated me like a criminal, put me through distress, and left me not knowing what to do or how to proceed, how to pay my bills. I have filed a police report, and federal trade commission report. I have called consumer XXXX XXXX and have learned they have not flagged me as of yet. Bank of america has sent me letters telling me my accounts are closed and overdrawn, and also a digital claim resolution saying that my funds for one of my claims are available, as well as the fraudulent check that has a name and address. They are admitting no fault or helping me on what to do. This has been a horrible experience, bank of america should be punished for their treatment.
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by XXXX, XXXX, Equifax inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, XXXX, Equifax XXXX XXXX are non-affiliate third parties, which shows violation. 
I am opting out of the XXXXXXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a some inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. 
XXXX, XXXX investigated the following inquires below and have decided to delete these inquires from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccurate collection accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information contained within my credit file.

Upon reviewing my credit report, I have identified collection accounts that contain incorrect information, including but not limited to : Incorrect Social Security Number Inaccurate account details Unverified debt ownership Furthermore, my investigation has revealed that my personal information was exposed in multiple data breaches, putting me at increased risk of identity theft and fraudulent activity. Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I have the right to request the blocking and removal of any fraudulent or unverifiable accounts. As these accounts contain incorrect information and may be a result of identity theft, they must be immediately deleted from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ), I am requesting verification of these debts from the furnishers of information. If they fail to provide documented proof of validity, the accounts must be permanently removed.

Per the FCRA, you are required to investigate and respond to my dispute within 30 days. If these accounts are not verified with complete, accurate, and legally obtained documentation, they must be deleted. Failure to comply with these legal obligations may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

I have attached copies of my credit report highlighting the disputed accounts, a copy of my ID, and any supporting documentation related to the data breach and errors. Please confirm receipt of this dispute and provide me with an updated credit report reflecting the removal of these accounts.

I appreciate your prompt attention to this matter and expect a written response confirming the deletions within the required timeframe. Please send all correspondence to the address listed above. 

Remove from my credit report ASAP! This is extremely affecting my mental and my family
Product: Money transfer, virtual currency, or money service

I have a linked bank account between Cash app and XXXX XXXX. I was given refunds from merchants to my Cash app card that intern was linked to my XXXX XXXX  and Cash app has to credit the account where the debit came from in this case XXXX and they have failed to do so on several occasions to the tune of about {$1000.00}. I have contacted XXXX XXXX  and they have assured me that they do not have my money that cash app has never sent an electronic funds transfer or any credit to them for over XXXX different transactions. I have as well contacted Cash App on several occasions asking for proof that they made these electronic fun transfers as they state they have within the five days that they receive them and they will not provide any receipt to me. They say that is a service they do not offer. They have the transaction refund credit where it was paid to on what day it was paid on supposedly and an ID number associated to it, but Im told by XXXX  XXXX  that is strictly a number for their records and it is nothing that they can track to locate all of these missing transactions or credit refunds rather. XXXX  XXXX  says that cash app is a third-party and these are not transactions rather credits so theres nothing I can appeal cash app tells me if I have nothing to add to the conversation. Then complaint has been solved as they will not to anymore for me and now they will only speak to my bank and not me. I have filed complaints with the XXXX with cash app and with XXXX. I have gotten in a few of my refunds sporadically and they seem to mostly be 2 to 3 months after Cash App says that they sent them. How is it that they can hold my money from me for this long and tally it out as they see fit when they see fit, and can not provide me with any proof that they have made these transfer credits into my account as a state. There has to be some kind of reconciliation accountability. They can not just steal peoples money. I have it online XXXX, etc. and I have seen thousands and thousands of complaints regarding Cash App and their business antics and I hate to say this, but this is absurd how they are still able to treat customers this way and get away with stealing peoples hard earned money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to report the fraud. The charge was not removed until XXXX XXXX XXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.
Product: Student loan

Nelnet today is XXXX XXXX. Nelnet ED I have been pre-approved to by a house. Nelnet I have been pre- approved for downpayment assistance. I can not keep affording to pay this high rent amount. Nelnet your going to make me renew my lease. No lender will accept my credit when they do a hard pull on my credit reports with an amount of debt over {$80000.00} Nelnet fraudulent student loan on my credit reports. This is embrassing for a XXXX XXXX XXXX women. Nelnet you have damaged my credit scores that I can not apply for convenient mortgage and other mortgage products. Nelnet ED by XX/XX/ if your name and your fraudulent student loan that was orginated by XXXX XXXX and a school code of the University XXXX XXXX XXXX was used for consolidation is not removed from my credit reports by XX/XX/. I wll be bring litigation under the Fair Credit Reporting Act. I will bring ligattion against Nelnet ED and the U.S. Department of Education. The U.S. Department of Education has a duty not hire fraudulent student loan servicers like Nelnet ED. Tell the University XXXX XXXX XXXX I am not going to pay them a XXXX and to stop using my credit reports and I have found a newspaper reporter that we are going live on television and tell this story so other people to look at their credit reports that says Nelnet ED.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.
Product: Mortgage

I have been trying to apply for a refinance with Wells Fargo. I have had my loan with them for almost 20 years. I have excellent credit, excellent payment history, and a permanent job. The first application was denied because they claimed a 10 year loan wouldn't benefit me but provided no details as to what that meant. The rep said a 15 year loan would be approved. All throughout they have continued to request documents- the same ones repeatedly. They also continue to ask for additional random documents. They have continued to delay the process because they do not want to give me a lower interest rate. They have run my credit report FOUR TIMES. They charged me twice. Now they want a letter explaining why I have so many credit inquiries when all four of them came from them!! They also want my tax returns for three years. It was an additional form I had to sign for. They recently created a covid form that even my rep had no idea what that was. Another purposeful delay. They want my HOA information even though I don't have any HOA on my home and never have. It's additional documents and additional delays but no rational reasons. They also want information on one of my retirement accounts. I actually have six retirement accounts, but they arbitrarily want information on one of them, which has nothing to do with a refinance. The rep tells me that this is the normal process but I find that hard to believe when he's not even sure why they are making so many requests. They claim that the home equity loan that I have has been suspended and they want me to write them a letter explaining why. It's not suspended. I used all the money and am now just paying it all back. It's roughly {$20000.00}. 
I know that I am not the only refinance complaint. Many of us are being delayed and denied refinancing for a lower rate by Wells Fargo. Home loan applications are not enduring this. Had they not created so many inquiries on my credit report and taken {$32.00}, I would walk away silently into the night. Now I can not.
Product: Checking or savings account

After opening a checking account with CHIME, on or about XX/XX/2023, I attempted to transfer funds from my linked bank account. Chime notified me that the transaction had " failed '', and I was prompted to " try again ''. My three additional attempts were met with similar results. 

I later learned from my bank that all my attempts were successful, resulting in an overdraft fee. Chime had submitted three fund transfer requests, totaling {$1500.00}, instead of the one requested. 

Now all the funds in my linked bank account have been depleted, while I await the fate of the transferred funds. 

I request appropriate corrective action.
Product: Credit card

I have been a AMEX card holder since 2020. I have used the card responsibly since I had it as with all my cards. This past XXXX my credit limit was decreased from $ XXXX to {$1200.00}. They stated the reason was because I had a high usage on my other credit cards. The balances on my other card fluctuates through out the year, I am current on all my cards and have never missed a payment. This has always been the case. This reduction in my credit limit has affected my credit score significantly in a negative way. I called to have it increased again but it is unlikely I will get it because my credit score has dropped because of what they did. All I want is my credeit limit increased back to where it was at $ XXXX.