23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please evaluate the following accounts : XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00}. In accordance with the Fair Credit reporting Act, I am requesting that you correct m Credit File by correctin and or removing these erroneous information from my Credit File as soon as possible.
Product: Debt collection

Velocity LLC stated in the civil lawsuit that my father received on XX/XX/XXXX that I failed to Contact them and I ignored all form of communication with them, when in fact they never spoken to me nor have I ever received any written correspondence from this company. This company is a liar and when I try to contact them once I received civil complaint from my parents house a representative by XXXX XXXX used profanity and refuse to talk to me this occurred on Thursday XX/XX/XXXX. I contacted this law firm name XXXX XXXX  XXXX who is representing Velocity who is only the debt collector not the original creditor. I spoke to a representative by the name of XXXX who was rude and threatened me and used profanity thought out the whole conversation stated I will have to pay for court cost as well since I ignored all correspondence from their client Velocity. This company is not practicing the FDCPA which prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from customers. This company violated my rights as a customer and its very frustrating to see them get away with being predator to me. 

I have ask the following questions today XX/XX/XXXX to XXXX representative from XXXX XXXX  XXXX and none of my questions were answered and I was told they didnt have to provide me any of this information as followed : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfer
Product: Credit card or prepaid card

on XX/XX/2022 I received a letter in the mail stating that all of my Synchrony accounts are closed due to activity on accounts with synchrony bank indicative of high risk of failure to pay. 

However most accounts I have with synchrony do not carry a balance. others are paid in full monthly and on time. I was just given credit limit increases on most of the accounts about 2 weeks prior to all of the accounts being closed. My income is more than enough to cover any debt I may carry. 

I tried reaching out to synchrony multiple times and no one can ever give me an answer to what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXTER FINANCIAL FINANCE ARE CAR THAT WAS TOTALED AND PAID OFF WITH INSURANCE CHECK. THEY AGREED TO ACCEPT PAYMENT CLOSE ACCOUNT I DON'T OWE THEM ANY DEBT AND THEY SOLD A CLOSED ACCOUNT TO A 3 PARTY VENDOR AFTER ACCEPTING INSURANCE PAYMENT FOR TOTALED VEHICLE I WANT THIS ACCOUNT REMOVED FROM REPORT I DONT OWE THIS DEBT OR HAVE A ACCOUNT WITH THIS BUSINESS
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency 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 reinvestigation to determine whether the disputed information is inaccurate and record the current 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 on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my Trans Union, XXXX and XXXX credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : XXXX.
Product: Mortgage

I am a 12 year client of Wells Fargo with a first and second mortgage with an impeccable payment record I applied online to refinance my first and second mortgage in XX/XX/XXXX. Wells Fargo sold their 1st mortgage to XXXX in XXXX and never provide a notice. In XX/XX/XXXX they sold the loan servicing to XXXX XXXX XXXX. Regrettably my loan showed up twice on my credit bureau reports since Wells Fargo did not delete their mortgage in a timely manner. I know this because XXXX XXXX pulled the same credit report and the score was XXXX two weeks before Wells Fargo. This negligence delayed the application and Wells Fargo has not addressed the issue. More importantly I moved forward because rates were dropping and I wanted to take advantage of the market. When the mortgage markets froze up due to the virus and Government shutdown of the economy Wells Fargo did not act in good faith. It became apparent to me that Wells Fargo is not a mortgage lender but simply a mortgage broker. When the ability to syndicate the refinancing was not available they delayed the process. There was no disclosure, multiple violations of regulations and Law. I just found out after multiple requests for information about my application they totally ignored my deferred compensation in their underwriting. This omission is either gross negligence and willful misconduct, dishonesty and negotiating in bad faith. It has become apparent that Wells Fargo has done little if anything to improve their reputation after their scandalous behavior and resulting material fines.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.
Product: Checking or savings account

I called Wells Fargo for fraud going on live time with my account. I was transferred to Fraud dept. 
The guy/woman I think named XXXX verified the claim was submitted by CS. 
Told me a new card was being resent to me as we speak and it would be 7 days. 
He told me I could go into the bank and write a check to get money and survive until the card arrived. 
I told him the criminal illegally wiped me out and I have a negative balance. A hot check was illegal. He told me nothing else could be done because the transactions were still pending. I asked why would they allow the transaction to post and give the criminal my money but make me suffer vs. stopping the transaction before posting it. No Answer. 
I asked again and he loudly spoke over me ; so I loudly spoke over him to ask my question a 3rd time. I know they can reverse a transaction because they instantaneously did for one by the criminal today. 
He told me I was rude and asked if I wanted his help. I said yes I do, but if you are not going to answer my questions then get me your manager or boss. He again yelled that I spoke over him. 
I told him I had to speak over him because he would not shut up and answer my questions. I asked to speak to his boss then told me the conversation was over and hung up. 
I called back and spoke to XXXX who read from a script and repeated stated the claim was processed and Fraud is handling it. 
The same fraud dept that hung up on me? Im supposed to trust them? How does an XXXX person with XXXXXXXX XXXX ; no means of money or gas or food/water survive while they play thumb wars for 10 days. Again, I was told the claim was processed and they are working on it. So I asked the same question ; why would the first guy tell me to go to a bank location and write a check off an account with a negative balance after someone wiped out my account down in XXXX? Does Wells Fargo want me in jail? Is this how they treat all customers who call to report fraud? They simply hang up on us instead of helping? 
So now I have to wait 10 days with XXXX money ; no food ; no gas ; no means of survival because the Fraud and customer service groups at Wells Fargo refuse to answer or help me other than tell me to wait it out. 

Wells Fargo acts like they care very little for their customers as I have seen a 36 % customer service rating. After how I was treated, I would give a 0 % rating. I am leaving this bank after being a customer for near 30 years and my account being hacked 3 times in last 10 years. They have a security problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXXXXXX XXXX {$50.00}, on XX/XX/XXXX at XXXXXXXX XXXX {$15.00}, XX/XX/XXXX at XXXXXXXX XXXX {$120.00}, XX/XX/XXXX at XXXXXXXX XXXX  {$860.00} in fradualent charges posted to my chime checking account to XXXX. I called chime to file a dispute which they closed before XXXX hours had even gone by and before I had gotten to attach an information. I then tried to file a dispute with cashapp in which the customer service representative had to verify information with me so she could manually access my account that I am unable to access due to losing the cell phone that was linked to the cashapp account. During this time I was asked various questions including my location which on XX/XX/XXXX I was at my sister 's house in XXXXXXXX XXXX XXXX XXXX XXXX ) for my daughters XXXX birthday. I then explained to the customer service representative that these were fradualent charges and I have never made purchases like this before, nor was I able to access the account on my own. The customer service representative had to enter my account and unlink my banks manually on her end. I would like to be refunded for these fradualent charges, Chime also never sent a purchase verification message to confirm a purchase was being made with me Chime card, which they send usually in the form of a notification asking if you authorized a specific transaction for a certain amount at a particular merchant ; you can reply " XXXX '' or " No '' to verify the purchase. Once you reply with either " XXXX '' or " No '' you are then sent an additional message letting you know that you have XXXX hours to make your purchase with the merchant. Had my bank sent this purchase verification message I would have been able to deny the fraudulent charges and this could have all been avoided. My bank should have NEVER let those charges happen, then to let the charges continue to happen even totaling an amount as outstanding as {$860.00} without sending any kind of purchase confirmation sms when I've gotten them for {$70.00} purchases is disheartening. My bank is supposed to protect my assets along with having my best interest in mind. I have attached XXXX EXAMPLES of purchases I got purchase confirmation messages for, XXXX being XXXX which it was not my first time or first order from XXXX, but they still sent me a confirmation message about the purchase. I'm just asking to be refunded for the fraudulent charges. My bank should have NEVER let these purchases happen and I know I should've gotten purchase confirmation SMS during the time of the fraudulent charges, but I never recieved anything.
Product: Mortgage

My mortgage company, Rushmore Loan Management is claiming that i have over XXXX in late payments. I have made every payment in full since I got out of my bankruptcy case. They are claiming that I am late with my XXXX XXXX payments. My statement stated that I owed XXXX for that payment, which was due on XXXX XX/XX/2021. On XXXX XX/XX/2021 I mailed a cashiers check for XXXX to cover that payment. on XXXX XXXX they cashed that check and credited that payment to my account. I was even sent an email that my payment was posted to my account My next statement on XXXX XXXX reflected that they had received and posted that payment to my account. and, that my next payment due on XXXX XXXX was XXXX. I paid this amount via cashiers check that was posted to my account on XXXX XX/XX/2021. 
On XXXX XXXX I received an automated call that my payment of XXXX was late. I tried to call them and got no answer after waiting on hold for a long time. I used their messaging service to tell them that I was not late with that payment and attached copies of the check, statements and a copy of the email that confirmed that they received my payment. 
My next statement dated XXXX XXXX showed that they had removed the payment of XXXX from my account and the total due for that statement was over XXXX. ( The supposed late payment of XXXX, the current payment of XXXX and a late charge. ) I have sent numerous messages with copies of my statements, canceled check to every office that I can. With the only response that they are saying they took over the mortgage during the bankruptcy and it was two payments late. That may be true, but that was cleared up by the bankruptcy court and Rushmore and I was paying with was reflected on my monthly statements. They are not properly crediting my account and now threating me with foreclosure.
Product: Consumer Loan

I co-signed a loan for my daughter for a car. She was responsible for the car although my name was on it I never drove it once. I found out they are threatening to repossess it and i called Consumer Financial Services. I asked them to work out a payment plan of XXXX every 2 weeks starting XX/XX/XXXX and they refused saying my daughter had broken many promises to them. I was offering to pay this myself though! I have never made a payment with them and I think they should give me a chance. 
Then he went on to say that he would garnish my wages. I live paycheck to paycheck and can not afford this. 
All i want is a chance to get caught up between me and the company, not my daughter.
Product: Bank account or service

Wells Fargo local bank at the XXXX in XXXX Georgia,XXXX open a unauthorized credit card account in my name about four years ago. I spent a lot of time and money with the bank, credit bureaus trying to get this fraud corrected.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account : XXXX XXXX Account # : XXXX Experian Account # : XXXX EQUIFAX Account XXXX : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

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

I am submitting my request to remove such erroneouss items on my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the following items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are fraudulent and needs to be removed immediately : 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 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 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 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: Checking or savings account

on XX/XX/2023 I transferred XXXX $ into my square business debit/checking account. I went to a store and spent XXXX and then went to atm where i found my card would not work. I went to the app on my phone and was instructed to call them. I did so and was re-directed to look for an email which i will attach to this. It said that they were disabling my account and I would no longer be able to use it as it was deactivated. It didnt disclose exact reason, but gave some possible scenarios. It also said that my funds would not be available for 150 days from the date of the email. I had no warning, no prior trouble, nothing. I called them and tried to chat and was told to refer to email and reply to email. which was sent from a no reply address. That they could not help me I could only go by the email. I have gotten the run around ever since. I do not care if they XXXX my account and all that but 150 days? There is no reason I shoudl wait that long for my money. As someone who is on a very small income, I do not even make XXXX a year, I can not afford to have XXXX tied up for 150 days. I closed the card, the checking account, and there are no recurring bills that come out of it, they could not if there was because it is all shut off. When I do call they tell me i can open another account, why on earth would I do that. I pay fees to square on sales, etc. They get their cut of it, and it is crazy to me how without warning they can take and just hold your money for almost 6 months. For what purpose?