23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo accepted a wire transfer from escrow to my deceased mother 's checking account despite it being for a trust account with me as trustee. The mortgage was also held by Wells Fargo. 
It took over 4 account specialists and 2 months for the money to be released. 
After illegally accepting the wire transfer to The XXXX XXXX XXXX in my mother 's personal checking, they claimed the proceeds of the sale of the condo ( for which they held the mortgage ) had to go through probate. I spent over 60 hours on the phone, three separate visits in person, and required over 4 different complaints and account reps to get it resolved. During this period my brother and his wife threatened me, reported me to authorities as illegally withholding inheritance from them, and asking friends to come after me to get their money. 
I suffered incredible emotional harm, and wells Fargo made it all worse. It took months for them to resolve the issue - and all I asked them to do was reject the wire transfer and return the money to escrow. I didn't even ask them to release it to me- just send it back to the people who had sent it. 
This was within a year of my mother 's death, and compounded with my grief and other responsibilities as executor, I was deeply traumatized by my experience. To this day, my XXXX child sees a wells Fargo sign and hisses saying " they hurt my mom ''.
Product: Credit reporting or other personal consumer reports

On my personal information form it said my name as XXXX XXXX XXXX, XXXX XXXX XXXX. My name is XXXX XXXX XXXX ( my middle name is XXXX XXXX. 

I was born at XXXX XXXX in XXXX but I'm from XXXX XXXX  There is not any one-in-the-same XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had applied for a Citibank Costco credit card online on the same day I applied for other credit cards. All other credit cards were approved however Citibank denied the credit card because there were too many inquiries on my credit report. I explained this to Citibank and said that this reason was never mentioned anywhere at the time of my application that if there are multiple inquiries on the same day the card would be rejected even when the credit score is very good. This is misleading the applicant and also negatively impacting their credit record. Citibank should clearly indicate in their application process and not just say that it will be determined after the the credit score. This is not a transparent process and absolutely impacts the customer negatively.
Product: Credit card or prepaid card

On my Wells Fargo Credit card ending in XXXX I had a credit balance of {$200.00}. I requested the {$200.00} balance be refunded to me either by check or transfer to my wells checking account. Wells fargo processed the refund of the amount owed to me to my checking account, but then charged me {$10.00} to refund the balance due to me. This was not a cash advance, this was a refund. I requested the {$10.00} fee they charged me to be credited, they stated they would credit the fee, then never did. 

From : Customer Service Sent : XX/XX/2019 XXXX XXXX  Subject : Re : RE : Re : RE : Re : Account questions or requests (  XXXX ) Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and I appreciate the opportunity to respond to your email. 

I would like to assure you that your concerns have been escalated to the highest level of email. 

I understand your concerns regarding the {$10.00} cash advance transaction finance charge posted on XX/XX/2019 for a cash advance to the checking account ending in XXXX. 

Because you are a valued customer, I credited your account in the amount of {$10.00}. A credit will appear on your account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt : Inquiry on XX/XX/year>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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX 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 an account without my written instructions. 

To Add the company XXXX XXXX claims to report accurate information, but according to the 2/4 of Credit Agencies Experian, and XXXX, there's no record of the alleged auto loan. It seems as if the alleged auto loan is ONLY REPORTING with XXXX credit agency in which is XXXX who's refusing to update accurate information. XXXX XXXX is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2016 XXXX XXXX XXXXXXXX XXXX, FL
Product: Debt collection

I checked my credit reports a couple of times last year. I found out that in XXXX XXXX, Commonwealth Financial started reporting a debt of {$610.00} ( medical ) to the credit bureaus. This is not a valid debt, as I have attempted to express to them on numerous occasions. I have disputed the account, multiple times, on each of the bureaus, and each time Commonwealth verified the account as accurate. I do n't understand how they can do this. They will not send me verification of the debt, and I can only assume it 's because they are n't licensed to collect in Florida and it shows their collection license as " revoked '' ( I did a little XXXX search ). So what gives? Is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Product: Debt collection

On XX/XX/year>XXXX  I woke up with an alert notification via XXXX that my profile has been flagged and added a collection debt from Harris & Harris LTD in the amount of {$210.00} I have not receive not one letter explaining that there was an attempt to collect a debt, nor do I have an account w/ this debt collection agency. I am demanding that this is removed from all ( 3 ) bureaus and that said company submit in writing actual proof with signature showing that I owe this alleged debt. How dare these companies just place something on my credit files without proving that I owe the debt in the first place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX PLEASE BE ADVISED THAT EXPERIAN IS IN VIOLATION OF FEDERALY LEGAL RIGHTS In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : You are legally required under 15 U.S.C. 1692 ( b ) and 15 U.S.C. 1681 to conduct a real, thorough investigation not a superficial, automated process through XXXX forms and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22, I recognize a account that was open without my permission that I would like removed from my Equifax and XXXX credit report.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the credit bureau. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX  XXXX
Product: Credit reporting

last month XXXX collection trades appeared in my credit file that were deleted over a year ago because they were unable to verify the debt was actually mine. I went into the dispute section of equifax website last month to dispute these trades named XXXX and when I submitted my dispute it was if I never submitted it at all because my credit file still had the dispute botton instead of the normal this trade is under investigation you should have your results soon which tell me they are not willing to dispute these trades even tho they deleted them last year. These collections should not be there at all in my opinion. They were deleted because they either did not respond in time or just could not verify their investigation from the original creditor. What is the point of having a XXXX day time limit if they let these companies just do as they please anyway and the consumer has no say in this matter at all. There was no notice saying these trades were being reinstated or nothing. I want these items removed permanently and equifax should at least be warned of this and to not to do this again to another consumer. We have the right to challenge anything that is on our credit report that appears to be inaccurate and they are not allowing us to do that. they claim to investigate it but im sorry it takes more then just one day to complete an investigation
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ssn # XXXX. 

I can not make any purchases/deposits through Google pay app. I have a deposit transaction that's been pending for about a weeks now through Google Pay for {$20.00}. I also lost my XXXX $ Google play card when I reset my google account trying to fix my situation. I have no idea what's going on with my google account but it's extremely frustrating. Can you please help me out with my situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts can not be verified as 100 % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.
Product: Checking or savings account

Spoken to several XXXXXXXX XXXX regarding issue, expedited cards not issued, I am a XXXX  citizen with health and XXXX issues, need access to my finances, please see attachment
Product: Mortgage

I applied for forbearance and now they are giving me no repayment options other than pay the outstanding debt in full. When this began, they told me I had options to repay. This included refinance, the debt being put on the back of the loan, or a repayment plan. Now theyre saying I have no options but to pay the debt in full.
Product: Debt collection

I have reached out to this company two times with a request for validation and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation requests. I have reached out to them on the following dates XX/XX/2021, XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.
Product: Vehicle loan or lease

GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018. 

I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team. 

They take money out of my account on a unauthorized basis and take 14 days to pay me back? 

unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : XXXX from 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent account.
Product: Debt collection

My home was broken into and the personal information of myself and my spouse was stolen. After we reported the incident, a few months later we receive a collection letter in the mail for an amount of XXXX. We went to the originating company and advised them that it was fraud and they were not willing to help us and stated that they already sent the file to the credit collection company and we would have to deal with them. We have reached out to the credit agencies and provided police reports showing that it is fraud and they are un willing to help, even when the first thing their recording says when you call to speak to them, " We are only collecting a debt that you owe '' and I do not owe the debt because it is fraud.
Product: Money transfer, virtual currency, or money service

Credit Karma said that if I sent my tax refund to them and their mobile wallet/money feature they would provide me with an advance of the refund. I did so. Then Credit Karma locked me out of the money feature refusing to allow me to update my new phone number to the app and then " verify '' who I am. I have submitted 5 Support Claims and provided photo identification and they have continued to ignore me for the last two weeks while refusing to give me access to my money they are illegally withholding. I see no resolution with them in the near future and feel like they frauded me out of my money which is almost {$2000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purspose.
Product: Money transfer, virtual currency, or money service

I was scammed through Cashapp about 2 months ago. Now the company is using my contacts to request money. I have unlinked my account and contacted cash app customer service and was advised that I would have to create a new account before they can assist me. I'm unwilling to do as I reported to them the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.
Product: Credit reporting or other personal consumer reports

Neither credit reporting entities properly investigated the late payments on my report!
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

dear sirs, my credit file reflects 2 accounts that are closed, which are fraudulent accounts, not authorized by me, or applied for! 
XXXX XXXX-ACCOUNT NOT MINE, PLS DELETE FROM FILE XXXX XXXX- ACCOUNT NOT MINE, PLS DELETE FROM FILE I HAVE PROVIDED THE FTC ID THEFT REPORT, POLICE REPORT, ID THEFT AFFIDAVIT NOTARIZED.