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

Three complaints : 1. The online access to my account at Wells Fargo was blocked due to unusual activity. Calling them to find out what the issue was, I was answered I had to ID myself personally at a branch. I explained I was living overseas, and the polite lady answered there was nothing she could do. 
2. No online service? OK, I tried the old fashioned way : On XXXX I faxed a funds transfer instruction ( which is a valid substitute for a check ), to the XXXX XXXX, XXXX , MD. , branch. It was not executed. Calling the branch, I was explained I had to ID myself at a branch. So now even a signed instruction is not good enouth. 
3. What to do? I decided to complain to Wells Fargo HQ, and emailed them ( today ) my issues, adressing it to the email adress showing on their site ( XXXX  ). 
And guess what - they wouldn't accept messages. It was returned to me undelivered.

These are my three issues. Thank you for your help.
Product: Debt collection

Date of loss : XXXX/XXXX/XXXX Total Damages : {$3200.00} On XXXX XXXX XXXX I was driving on a freeway name XXXX XXXX or XXXX East bound I aproached the intersection of XXXX and XXXX and stoped at a red light. I was in the second line wich was a either or opcion to continue straight or make a legal right hand turn. So when I had a green light to continue I began to make a right hand turn, as I was turning I saw a car go by me but by the time I stopped I felt that the car had swiped the right hand side of the service vehicle that I was driving. It was a individual that was not suppose to continue straight, because that was a right hand turn XXXX XXXX. When police arrived no parties were cited due to the lack of witnesses, the person that caused the accident is a customer of XXXX XXXX. This is the second time that they are making an illegal attempt to collect the amount shown above. There is no judgement from any court that make this legal of makes me liable for the damages. This company XXXX XXXX Department located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone ( XXXX XXXX XXXX Fax XXXX XXXX XXXX They are making treats of having my license suspended and garnishing from my bank account. I made contact with them and explained the details of the accident in wich I was involved and they refuse to acknowledge the fact that XXXX XXXX XXXX was the person who caused the accident.
Product: Student loan

I contacted Navient many times to find a solution to my extremely high student loan payment. After having a baby they allowed me to put off paying for a short time but then determined that I should be able to pay the $ XXXX/month. My daughter is almost XXXX and I have been paying on my loans for a few months. It is very hard for me as a new college graduate to afford an apartment, car and provide for my new family. Navient will not work with me to lower my payments and it is extremely difficult and frustrating. 
I have big dreams for my family such as owning a home some day and staying as debt free as possible. Navient is a bully when it comes to the student loan crisis. I have {$65000.00} in private loans through Navient.
Product: Vehicle loan or lease

XX/XX/year> XXXX XXXX  XXXX XXXX. Ran credit thru several banks without my knowledge and this is one of many that was denied and I am asking it be removed from my credit report
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed inquiries and accounts that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX on XX/XX/year> to pull my credit report. This is a fraud inquiry on my Equifax Credit Report. I did not give them permission to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.SC 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 or other personal consumer reports

I am writing to express my concern regarding the inaccurate BANKRUPTCIES on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I had tried to submit a request for appeal and was denied again and on the response it states that they needed police report information. XXXX Police Dept Case # XXXX filed XX/XX/2018. Since this was what they stated that they needed in order to pursue further, please process. As previously stated, none of the signatures match my signature, many of the transactions occurred while I was working 35+ miles away in XXXX . That is the reason for the re-opening of this case per previous Wells Fargo Case # XXXX.
Product: Checking or savings account

my savings or checking account was closed by bank. I have balance in those account. Ally customer is refusing to talk to me. I called today- i provided all requested information. They are saying they can not verify my identity. and there is nothing they can do. I have made several attemps to resolve issue on my account. Ally is playing hardball and refusing to co-operate in resolving issues with the account. They problem started with a check being returned- since then ally indiscriminately cut off access to my account. they are not doing anything to help or provide any information
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Equifax with all the necessary documents to prove that I am a victim of Identity Theft. I even gave them a name and showed proof that not only was my social security number was used and compromised but also m drivers license number as well. Equifax has failed me and has not taken my dispute serious. They have not removed any accounts nor did they do a thorough investigation. I filed a report of my Identity theft with the Federal Trade Commission which was sent to them as well. They are reporting inaccurate information including different names. I don't know what more they need when I proved everything they have asked for regarding my Identity theft. Nothing has been fixed! They are past the time allowed to finish a dispute which by law requires them to delete everything.
Product: Debt collection

XXXX sent a closed account to collections company SOURCE RECEIVABLES stating that I owed money for equipment and additional service. When I closed the account i ported the phone number over, prior to I had just made my last payment. I requested return service for the equipment, and this never happened. I called XXXX several times to return equipment. XXXX never closed the account as requested and continued billing on equipment no longer used. 

This statement is from SOURCE RECEIVABLES, the collection agency XXXX CONTRACTED to collect on. We have received and reviewed the consumer complaint. Source Receivables Management is a third- party collections agency that was hired by XXXX to collect on past due funds. Source Receivables Management does not own any debt. XXXX placed this account, XXXX Account # XXXX, with our agency on XX/XX/2022 with a balance of {$2200.00}. Of this balance, {$1600.00} were due to XXXX charges for devices. The remaining balance was for services rendered. If devices were returned, we would need proof of the returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Fraudulent Collection
Product: Prepaid card

I received a {$500.00} Amex gift card XXXX. I have tried to use this card at a wide variety of merchants for the last year. I have called the company numerous times and they continue to tell me it should work and then it never does.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a credit tracking alert that an inquiry was created for JPMCB. This is not me, and this happened in XXXX as well, and placed a fraud alert. I disputed it and called Chase and the representative was able to tell me it was a freedom XXXX  card and they wont process it.
Product: Credit reporting or other personal consumer reports

The benefit program HAF covered a specific period of loan ; lender was paid fully irregularly. Lender was aware that HAF program would pay for upcoming months ; lender did not inform me of irregular payments by HAF and now lender reports my credit report that I paid late or missed payments. Lender does not explain how I am liable for those months and for timeliness when lender did not inform me of untimely and lender approved and accepted full payments from HAF. Lender should not characterize me of making it irregular when this irregularity was because of HAF payments. Lender does not explain and ignore to review and explain this.
Product: Checking or savings account

I have made multiple attempts to prevent overdrafts on my account. I have changed my card, unlinked various applications, locked my card, and disabled debit card coverage, yet the issues persist. I have incurred significant expenses due to the continued authorization of transactions, which has repeatedly resulted in a negative balance with each paycheck. This situation has become increasingly untenable and unacceptable.
Product: Credit card or prepaid card

DEAR CAPITAL ONE ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; & XXXX & XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being hospitalized with XXXX  loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Mortgage

In XXXX of XXXX, I lost my job and got behind in mortgage payments of {$830.00} a month. I called on several occasions and I kept getting the ride around. I still made a payment every month but was still in the rear. After a couple month, I received a letter stating I made to pay All monies or get foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported to the credit bureaus that I missed a payment on my auto loan. My credit score went down. I contacted Bank of America and they confirmed that I did not have any missed payments. I asked them to dispute the credit report and they took 30 days to respond back and say that the investigation is completed and we reviewed your payment history and agree you have not missed any payments. But they failed to resolve the credit reporting issue. I fought to try to get Bank of America to resolve this. I put in disputes with all three credit reports and Bank of America refused to resolve the credit reporting. I sent a demand letter. Finally Bank of America responded but my credit score is still effected by this XXXX  up. Bank of America still has not fixed this issue and they have violated the fair credit reporting act. I demand resolution.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX however I kept getting an error message concerning my information saying that my identity could not be verified so I was never able to charge anything to the account.Im not sure where or why I have a {$30.00} charge
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Portfolio Recovery Associates is XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX. 

Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute an inaccuracy on my credit report that I obtained from your agency. Under Section XXXXo of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information, and I am requesting that you take the necessary action to correct this error. 

The item in question is as follows : Account Name/Number : XXXX  XXXX XXXX and XXXX XXXX XXXX Nature of Dispute : Charges that are inaccurate due to the personal information being compromised and exposed to third parties Reason for Dispute : The information is incorrect, e.g., the account was exposed and sold to a third party and my personal information has been compromised. It is to my understanding that the accounts listed above were sold to a third party without my permission and has put my personal identity at risk and has caused fraud charges and great damage to my credit report. I have reviewed my records and have found that this information is not accurate. I request that your agency investigate this matter promptly and, as required by law, correct or remove the inaccurate information from my credit report. Please provide me with a copy of the results of your investigation. As per Section XXXXo of the FCRA, I understand that credit reporting agencies are liable for damages resulting from their negligent noncompliance with the law. Should your agency fail to promptly correct this error, I will consider taking further action to protect my rights under the FCRA. Please notify me in writing of the actions you have taken to resolve this dispute. I appreciate your prompt attention to this matter and expect that this issue will be resolved in accordance with the FCRA. Thank you for your cooperation. 

Sincerely, XXXX XXXX XX/XX/XXXX Driver License number XXXX
Product: Student loan

This is my third complaint regarding navient collection process. This time the problem is them calling third parties that is not involved in this matter. I am getting calls from family concern Navient calling them several times during the day. I spoke to Navient, Mrs. XXXX XXXX, on XX/XX/XXXX concerning the loan and the method they are using to not just call family but my employer. There is no reason for Navient to do this. They have my personnel email address, home address and my cell number. I told Mrs. XXXX on the phone XX/XX/XXXX that navient needs to stop the harassing calls. Mrs. XXXX never mentioned on the call that SHE is the one calling my family. I have tried to resolved this with navient but what they want is to make our lives miserable. I explained to them what I could pay and in face have done exactly what I told them. But they are still calling my family. So I am asking your help in stopping them from not just harassing me, but ALL my family. There is not need for this but to only harass people. I am planning to send a letter to the California Attorney General regarding the extreme method Navient is using. Can you please demand that they stop the harass calling to my family IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only adrdress is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXX