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

I recently applied for a wells fargo credit card account and upon receiving a letter by mail I was informed that my application had been denied because of a previous wells fargo checking or savings account that was not maintained as agreed. I contacted wells fargo and made them aware that the account referenced was opened fraudulently while I was incarcerated and that wells fargo identity theft team and online fraud resolutions team had dispositioned the account as fraud on XX/XX/2020. I also provided them with the case number ( XXXX ) for the disputed account. I was then transferred to the overdraft dept and explained the situation and was told that an investigation had been opened into my claim and would take 14 days to be completed. I explained to the rep that an investigation had already been conducted and that the problem was that their system was still holding me responsible for the fraudulent account and that it was preventing me from being approved for any wells fargo products. The rep told me that it didn't look like Fraud to her and proceeded to tell me that it didn't matter that an investigation had already been conducted absolving me of all responsibility. I explained to her that I had been the victim of identity theft while I was incarcerated. I believe that wells fargo is penalizing me and holding me responsible for an account that has already been ruled as fraud by their investigations team. I am requesting that any overdraft or charged off account still being held against me be removed from the system so that I am not penalized for an account that I did not open and so that I am permitted to apply for wells fargo products in the future without.
Product: Credit reporting or other personal consumer reports

From XXXX my information has been breach from all XXXX credit bureau Equifax and experience
Product: Debt collection

They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.
Product: Money transfer, virtual currency, or money service

I am a XXXX creditor and Coinbase was tasked with distributing the money following the bankruptcy. Although the distributions started in XXXX, Coinbase delayed the process with late responses, documents that no one could find ( such as written evidence from the person who gave me a gift last ), and I still have not received my money. Since the amount I will receive is affected by the decline of XXXX, I will receive much less money than I would have received in XXXX. Coinbase is solely responsible for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Product: Checking or savings account

In or around XX/XX/ my XXXX XXXX XXXX checking account went from a positive {$1800.00} to a negative {$1800.00} without any transactions posting to my account to explain how it happened. I got several emails telling me I had insufficient funds and most of my credit card payments where returned. I logged into my account and notice several transactions from Zelle went through even though my account was in the negative. How is this possible? That's when I knew something was wrong because Zelle would never allow a transfer of funds with an account in the negative. I started getting notifications from XXXX, that XXXX XXXX XXXX was taking money out of customers accounts, due to a glitch with Zelle. I have suffered several closed credit card accounts because of the insufficient funds in my account. I was in the process of completing a major multi-million dollar line of credit to purchase real estate. My XXXX XXXX has suffered and was lowered, so now I can't move forward. This is costing me time and money, until I can fix these problems associated with this glitch. The sad part is, XXXX XXXX  closed XXXX of my cards, XXXX closed XXXX of my cards, and the crazy part of it all ; XXXX XXXX XXXX XXXX XXXX and XXXX own a share of Zelle. It should have been no problem to correct this error and not report anything negative to the credit bureaus.
Product: Credit reporting

Under my personal information, it states that I worked for a laundry company. I have never worked for a laundry company. I have no idea why this would be listed on my credit report and question if any accounts were open under my account that do not belong to me. Please remove this employer.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX of XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted XXXX XXXX they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap sincerely XXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally refile a complaint regarding serious inaccuracies present in my JEFFERSON CAPITAL SYST credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my JEFFERSON CAPITAL SYST credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge JEFFERSON CAPITAL SYST to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Checking or savings account

XXXX, notice suspicious activity on monthly statements, by XXXX I was bouncing check but my balance was over {$1500.00}. Made appointment with Wells Fargo XXXX in XXXX XXXX XXXX and i showed the suspicious activity and they agree, I finally convinced them to do something, they opened a fraud case.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX  and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX and XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i revived letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and insturaction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my  credit score  has dropped  XXXX  points in less than  24 hou rs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,    2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed key 2 recovery ( Indiana XXXX ) with XXXX XXXX on my credit report that was discharged as part of my bankruptcy. I provided court documentation to XXXX after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i'm having a hard time getting my disputes processed with the credit bureaus and updating my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, and XXXX and CFB I am writing to you regarding a discrepancy in my credit report. I have requested proof that two accounts from XXXX XXXX belong to me, but I have not received a response for one of them. All the time I get a response that you verified the information and it's accurate. These two accounts are still showing in my report and affecting my FICO score negatively. also, your report shows both accounts are charged off and yet you are showing payment is due and I have gone over the limit. can you clarify? how charged account payments become due all of a sudden? This is causing me difficulties in obtaining a car loan. 

I have tried to contact you by phone and email, but your call center is closed, and I have not received a reply. I am very frustrated and disappointed with this situation. I need you to either delete the account from my report or provide me with proof that it is mine. Why is XXXX XXXX increasing my credit limits while not verifying my accounts? 

You are my last hope to resolve this issue. Please take action as soon as possible and help me. I need proof that this account is Mine. It has been over 6 months and accounts are not resolved. 

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

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by XXXX and associated mismanagement by XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentation such as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that both accounts were written off and reported as income through 1099 forms. These debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. Failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to request the removal of fraudulent inquiries on my credit report. I ask that the XXXX, XXXX, and TransUnion bureaus conduct a review and remove the following fraudulent inquiries as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB  : XX/XX/1992 My addition address is XXXX XXXX  XXXX XXXX FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I requested verification and validation to this alleged debt pursuant to 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act.  complaint number XXXX I asked for wet ink signatures and by law i can ask for wet ink signatures to prove a legal and alleged claim to a debt. XXXX XXXX XXXX responded with " The copies sent to you will not be wet copies of the signatures as the originals are maintained by a document custodian as required by law. '' Required by what law i need the cited law on this because i have the right to request those document. I have a right to know who hold those original documents with my signature on them. XXXX XXXX XXXX  did not provide those documents because the original note was sold and traded for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy.

2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions.

3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. 
These items must be DELETED immediately and a rapid re-score is requested.
Product: Credit reporting or other personal consumer reports

I sent a request for valid verification of certain items Im unaware of on my consumer report that are saying belongs to me. I sent a letter to Experian on XX/XX/2024 certified requesting an investigation and proof bearing my signature and knowledge of these accounts. Experian is in violation of : Under 15 USC1681 ( a ) ( 1 ) ( A ) subject ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency of any item of information 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 investigation to determine whether the disputed information is inaccurate and record the 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 in which the agency receives the notice from the consumer.
Product: Mortgage

loan depot is servicing my mortgage. they collect an escrow account to pay the property tax and insurance. they failed to pay my property tax. i received a tax delinquency notice from the XXXX XXXX treasurer. they need to pay the tax and they are responsible for the {$210.00} penalty.
Product: Checking or savings account

I wanted a couple things disputed but XXXX wouldn't do it. I tried calling several times today but they wouldn't answer the telephone. Kind of odd. 

Then, tonight I wanted to get over the telephone all my collection payments to XXXX XXXX and the man told me he had nothing. But all this time I have been pay between $ XXXX {$100.00} automatic payments to XXXX Attorney. It looks like they are making their own checks and possibly having their own bank deposit what they need done. I don't write checks and isn't that fraud? Since, I can't get into my checking account anymore I had asked for XXXX and XXXX payments for XXXX, but he said he had nothing. Then, I had asked XXXX bank for what they had payments from me. Also, XXXX XXXX and XXXX XXXX XXXX that XXXX Bank states isn't their collection company. XXXX  XXXX XXXX scammed me and took advantage of my XXXX  and my money and I would like it back. Same with XXXX bank for my over payment and Warranty money to clean my furniture because the cleaner refused. I even asked XXXX for a couple bank statements and never received them. XXXX wouldn't work anything out with me, so I am thankful for XXXX and XXXX and her staff. This is so unprofessional. It only takes a couple minutes.
Product: Credit reporting

There is a medical collection reporting on my credit report from a company I do not have any recollection of doing business with ( XXXX. ) I have disputed multiple times with Equifax, only to have them reaffirm the account without providing any proof that the account belongs to me. For this reason, I want the account removed. I have disputed the account three times only to have Equifax update the account information, not provide me with information, and continue to mar my credit report. I am losing out on credit because of this, and this is my last resort to ask that it be removed off my reports before seeking legal remedies. It is not reporting on ANY OTHER CREDIT REPORTING AGENCY. Equifax has inserted this without proof it is mine, and continues to report a collection that is not mine on my credit report.
Product: Mortgage

I submitted CFPB Complaint # XXXX-XXXX on XX/XX/XXXX. M & T did respond but advised me that they would be sending a letter to XXXX XXXX XXXX, XXXX XXXX, New York XXXX coping XXXX  with. the solution. They did notified XXXX but I never received a copy of their resolution. 

I called XXXX XXXX XXXX XXXX  today at the number provided in the attached letter. I spoke to a consumer service representative who never heard of the CFPB and was no able to provide me with a copy of the response letter to the CFPB. 

I am in the process of selling my house and the M & T lien is still showing on the title report. It was my understanding that this issues was resolved in XX/XX/XXXX. 
I need XXXX XXXX XXXX XXXX  to provide me with documentation that they no longer have a lien/mortgage on my property. 

Thanks Mr. XXXX