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

On XXXX/XXXX/XXXX I was contacted by XXXX XXXX from Wells Fargo ( WF ). She asked if I ever lived in XXXX or if I ever worked at XXXX XXXX XXXX XXXX in XXXX XXXX. She then told me that XXXX fraudulent accts, a Brokerage acct and a Command Checking acct had been opened in my name at a Wells Fargo Bank in XXXX XXXX on XXXX/XXXX/XXXX using my actual social security #. I received a letter from WF dated XXXX/XXXX/XXXX signed by XXXX XXXX ( Liability Fraud and Claims Manager WF ) asking me to sign, notarize and return affidavit of identity theft as well as supporting documentation ( police report, copy of drivers license, proof of address ). 
A XXXX Credit report documented that someone had tried to access my credit report electronically on XXXX/XXXX/XXXX but was denied access because they did not have my birth place. On an XXXX Credit report a fraudulent address ( XXXX ) and a XXXX XXXX employer were listed under my name. I submitted the Identity Theft Complaint & Affidavit to the FTC as well as the IRS and Social Security. 

I called the Liability Fraud Claims Dept of WF on XXXX/XXXX/XXXX at XXXX to obtain follow up and provided my claim number that they provided to me on the XXXX/XXXX/XXXX letter. The lady at the call center said that she did not have any record of such a claim #. I asked her what I was to do and she said that she did not know. 

As I live in XXXX, and there are no WF Banks in Hawaii, it is not easy for me to go to WF and meet personally with someone for assistance. I flew to the XXXX XXXX on XXXX and went to a Wells Fargo in XXXX and spoke personally with a XXXX XXXX XXXX XXXX ID XXXX re : this matter on XXXX. He looked in his data base and verified that what I said was true and indeed said that there was still money in XXXX of the accounts. I asked him for a copy of all of the activity in the accounts and he said that he was not able lot access that. He said to call WF Advisors at XXXX and ask for XXXX. This is as expected another call center. They gave me an email address to contact re : the fraudulent account. They however could not give me a contact name or phone number. 
The only account that I 've ever had with WF was a WF Auto Loan that I opened XXXX XXXX and paid off in a few months. 
I would like the following information : 1. Documents relating to the fraudulent transactions made on the accounts opened in my name. 
2. I would also like to know if these accounts were opened by one of their employees or by someone from outside the institution. As I do not have an account with Wells Fargo, there is no issue of my having waived my right to sue them for the time I took from my medical practice to chase this information down, fly to XXXX XXXX, as well as the stress of having identity theft perpetrated while I was attempting to secure a loan for home. 
3. I understand that WF has established a complaint and mediation system for people affected by fraud. I have not been contacted and indeed I feel that I have been stonewalled because I do not have an account with Wells Fargo.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 


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

While looking at my report I found an Old XXXX XXXX XXXXXXXX Account that does not belong to me. 
I Confirmed with XXXX XXXX XXXXXXXX that account does not exist. 
I believe I am a victim of XXXX. 
I have asked XXXX and Transunion and all the credit reporting agencies to please remove. of all the credit reporting agencies. XXXX already removed it. 
Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XXXX XXXX, 2017, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have 3 bankruptcies on my report and 1 lien.
Product: Credit card or prepaid card

After going paperless I did not get a statement letting me know that a payment was due and 5 days after the due date I got a reminder that a payment was late and was charge twice a late fee XXXX each time this is a was for then to XXXX us.
Product: Money transfer, virtual currency, or money service

Today I received a phone call from Wells Fargo and they asked me about my full name and a recorded line, The lady had an accent so bad I asked to repeat the question and she give her first name, nothing else but her first name from Wells Fargo, I have no idea it was scam or not I hung up on her and called her number back, and she answer she was wells fargo and she wanted my full name and my id number for my bank account, she called me on my cell number, I have no idea if it was a scam or ot, I hae been scammed {$450000.00} out of my account from Wells Fargo, they closed 2 cases with CFPB with I write to, I have a FBI report and a Virginia Police report for {$450000.00} it was scam. How Wells Fargo can close an report on one end with out notify me, I wrote a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, and I did not get a reply as of yet, XXXX XXXX XXXX XXXX and Wells Fargo should be sued for send wire tranfers to a scam artist I reported it to XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since ( XX/XX/19 ) till Now. Every time i disute these account and ask for validation i never get the correct response or proof. 
( XXXX XXXX ) XXXX I have submitted XXXX to XXXX nothing has taking place. 
( XXXX XXXX ) XXXXXXXX XXXX  XXXX Also submitted proof and fix the inaccurate that my report has. 
( XXXX XXXX XXXX  ) also disputing inaccurate in Uniform alignments. 
( XXXXXXXX XXXX XXXX XXXX ) Wrong Dates ( XXXX ) Also disputed and nothing happen only updated accounts with no proof. 
( XXXX XXXX XXXX ) Account Charged Off and reporting balances wrong dates ( XXXX XXXX XXXX ) Account Charged Off also reporting wrong dates, balances and payment history. 

All Three Credit Bureaus update account but dont show proof of account and reporting in accurate on credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX, I called to close my XXXX XXXX  through us bank. Its XXXX I can use anywhere XXXX   accepted however the rewards program is only through XXXX and they went out of business. I waited a few months, no charges and a XXXX balance. I called and closed, I also informed them I never received my new card that expired in XXXX, so the number was comprised. Additionally the rep was super rude bc it seems theyre supposed to save accounts and couldnt convince me to keep. I was set up for online statements but once my account was closed they block you from online because it was my only account with them. I received one email a statement had been cut about XXXX and then I received another email statement in XXXX. A second statement didnt make since. I called in XXXX XXXX. To find out that apparently a charge was charged 1 hour BEFORE I called, that they should be able to see. There was a lot of back tracking and covering up. How do they have no process to inform me my account didnt close either? How did a card I told them was compromised have a charge? They reversed the late fee, and ensured that they havent reported to my credit. They asked about disputing the charge but I decided I didnt trust them not to report to my credit and Id work out with the merchant. Today XX/XX/XXXX I called to confirm my account did close. It says pending close. The person claims it takes 2 cycles to close and previous merchants can still charge. I want my account closed. 
I feel either the person who first should close didnt, the next person lied. I requested to escalate an ethical complaint. They said theyd file it. I said just document for regulators. I want an escalation group. She said there were no such people. 
The lady tonight, I asked how if Im at a XXXX balance and I dont want the card how they can not just close it. She said every bank can do it how they want. 
I cant understand the point of this, Im concerned my credit will be impacted. Us bank the most ethical bank thats a joke.
Product: Money transfer, virtual currency, or money service

i transferred {$2500.00} to XXXX at XX/XX/year>, but it is failed to receive
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Product: Money transfer, virtual currency, or money service

Paypal did not pay me correct as they only refunded me {$7.00} USD and they were suppossed to refund me {$140.00} USD. They owe me the rest {$130.00} USD. See next {$2600.00} XXXX  equals {$140.00} USD. PayPal ruled in my favor and closed the case in my favor but when they went to credit me back they only credited me back {$7.00}. Someone at PayPal entered my credit as {$140.00} XXXX when it should have been {$140.00} USD. Transaction ID is XXXX. All I am asking for is to have the {$130.00} credited back to me that they stated they owed me but just refunded me wrong amount and now its a theft problem as somehow they cant seem to pay me the money back that they owe me and stated they owe me when they ruled the case in my favor. Please help me get my {$130.00} they owe me
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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  {$0.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX  XX/XX/year>
Product: Debt collection

( This is for 2 accounts ). On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Capital One Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Capital One Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Capital One Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Capital One Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Capital One Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Capital One Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Capital One Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Capital One Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax cred report, it shows a previous address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I have never lived at this address. Can it be removed from my record?
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, Experian and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding ChexSystems " blocking '' access to my report, despite my lift of a Security Freeze earlier in the year.

I had a security freeze put in place in XX/XX/2018 because financial institutions kept on pulling my report without my consent. I lifted it temporarily in XXXX-XXXX  with no issues. In XX/XX/2018, I tried to lift it again temporarily to apply for a bank account, but the bank ( XXXX XXXX XXXX ) reported a " non-response '' from ChexSystems. I worked with ChexSystems at the time to permanently lift the security freeze. ChexSystems confirmed that the freeze was lifted. Nevertheless, I abandoned getting a deposit account with that bank at that time.

Today ( XX/XX/2018 ), I applied for bank accounts at XXXX XXXX XXXX. XXXX XXXX wrote back to me : " Do you have a block on your chex systems reporting? If so you will need to remove the block so we can run the report and then replace it. Currently we are unable to run the report. '' I called ChexSystems security freeze line at ( XXXX ) XXXX.   I spoke with XXXX. XXXX said there is a " technical glitch ''. Specifically, he said there was an error related to their internal systems, and the error message says : " We are unable to access the file at the moment. '' The representative XXXX  indicated that " sometimes we receive that error. '' The representative sounded like he was in an overseas call center. He did confirm that there is no security freeze currently in place with ChexSystems, since I had it removed in XXXX. Nevertheless, this malfunction is preventing me from getting bank accounts that I want to get.
Product: Mortgage

My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan? 

XXXX different customer service reps have all promised resolutions with a week but none have delivered any results. Requests directly to the loan agent, " special loans '' department, and the loan information mailing address have all been completely ignored. 

This is a simple yes or no question that apparently nobody knows the answer to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX  and transunion- 'XXXX   FOLLOW SUIT WITH REMOVE ASAP '
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX
Product: Mortgage

A )... PageA2 Principal forgiveness of {$24000.00}. Page A3 shows {$24000.00} taken off then put back {$19000.00}. Page A1 New principal {$240000.00} B )... Page B thru B32 interest to be waived will be {$35000.00}. This amount I paid in XXXX  XXXX and to the Trustee from XX/XX/XXXX thru XX/XX/XXXX. This is the original mortgage account number # XXXX that was closed in XX/XX/XXXX. Page B27 shows new account number XXXX. I had no knowledge of this new account. 

C ) ... Page B Escrow deferred {$20000.00}. Page C45 and C83 show it was paid XX/XX/XXXX D ) ... Page D81, D82 and C83 shows a 2nd principal balance of {$100000.00}. This is the mortgage account I had no knowledge of E ).. Page E47-E51 Payments made after getting modifications of {$840.00} 7/2016- 3/2017 total {$7500.00} F ) ... Page F75-F78 Unpaid deferred interest. Interest was added to principal the following year total {$9000.00} G )... Page G68-G89 payments made in XXXX XXXX from XXXX total of {$4800.00} H ) ... Page XXXX XXXX shows new account the one I had no knowledge of closed XX/XX/XXXX. XX/XX/XXXX received notice of default. Then in XXXX received notice of sale file XXXX made payments from XXXX XXXX XXXX they sold my home XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 XXXX notified Equifax to remove 4 collections from my consumer report. Equifax is in violation of hippa law and this is my third complaint
Product: Debt collection

Portfolio Recovery Services calls me at least daily. When I have spoken to representatives, they confirm that I do not have a debt and say they will take me out of their system. They also have a debt lookup feature on their website and when I enter my information, nothing comes back. Yet they continue to call and harass me every day for months.
Product: Debt collection

I opened an account at QVC with a limited amount of {$2500.00}. QVC has a policy of selling items on " flex pay '', meaning a customer has 2,3 or more months to pay the balance. I paid a minimum or more amount regularly every month, assuming that amount covered amount due. Then I get a phone call saying I owed an undisclosed amount ( somewhere around {$500.00}, they said ) over my limit. I asked why I was allowed to order over my limit but never got an answer. Now I am paying on two separate bills, one to their loan company and one directly to QVC and apparently they have also transferred some accounts to my XXXX XXXX without my permission!
Product: Vehicle loan or lease

Westlake Financial repossessed my vehicle and sold it at an auction, they failed to apply to total balance from the auction sale to the loan, they also failed to apply any credits toward the remaining balance. They have been inaccurately listing my this account with a balance of over {$2000.00} but they have been paid in full. This is directly affecting my life and my ability to purchase another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, Experian and I visited XXXX  still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.