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

On XX/XX/2023 I sent a check to XXXX XXXX XXXX for {$17000.00} and mailed it at the XXXX XXXX, Florida, XXXX XXXX. On XX/XX/2023, Wells Fargo deducted the money out of my account clearing a check made out to XXXX XXXX XXXX but endorsed by someone named XXXX XXXX. On XX/XX/2023, XXXX credit card informed us that we had not paid their latest invoice and cancelled all our charges. When we checked with our Wells Fargo account online we discovered that they had mistakenly paid someone other than XXXX XXXX XXXX. I immediately contacted Wells Fargo fraud line on the phone and informed them. They gave me a case number. I have called the fraud department a dozen times and asked for updates as to when we can expect the return of our money and have never heard back from them once. I went to my branch manager and told him to find out what happened and he said it could be resolved in a few days or NEVER. I have spoken to Wells Fargo complaint department and they now say that another bank cashed this check in error and they have to recover the money from them before we can EVER get our money back. I have reported this to the police in XXXX XXXX and they also say that they will investigate but there's nothing they can do. In the last two months no one from Wells Fargo will return my phone calls except one person in the 'complaint ' department and she says that there is nothing she can do-nothing any of her managers will do either. I don't understand how it is possible for a bank to mistakenly pay the wrong person and then penalize the bank client that trusted the bank not to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

VILLAGE CAPITAL & INVESTMENT LLC LOAN NUMBER XXXX I have also been informed that Monthly Mortgage Statements received from Mortgage Servicer Village Capital And Investments L.L.C were not to date and or even accurate information in Mortgage Loan Statements each month inaccurate information reported in Statements received regarding my Mortgage Loan Servicing and they assured me that they ever will be able to make any changes that would be considered to able to access my accurate Mortgage Loan # XXXX would be in my best interest to have to contact them Monthly in order to get accurate information about my Mortgage Loan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

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

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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 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

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : 1 ) XX/XX/XXXXACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 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 person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with XXXX. XXXX put the judgement on the real property then sold the debt to XXXX XXXX who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XXXX/XXXX/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
Product: Credit reporting or other personal consumer reports

I recently pulled my personal credit file as I am preparing to get business funding and have received multiple emails from a collection agency in regards to account ( s ) that do not belong to me. The employment info listed on my personal credit report is incorrect and i would like XXXX XXXX XXXX and XXXX XXXX XXXX removed from my employment info. I also see false addresses on my credit report and I need them removed ASAP to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only mailing address I use is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed immediately. I do not live at XXXX XXXX XXXX  .... this needs to be deleted or verified. Overall I see accounts with XXXX XXXX, XXXX XXXX, that i am disputing with EXPERIAN as well as they refuse to send me verification when requesting information from EXPERIAN or Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

The XXXX company contacted me at my job and made repeated calls from XXXX - XXXX on a two hour cycle. The phone calls began XXXX XXXX, XXXX and are still occurring today. XXXX calls my office phone literally every two hours every day averaging six calls within one day and they do this Monday - Friday. I asked them not to contact me at work but to use my cell phone number that they have on file and on record and they never honored this request, which means I can not make payment arrangements because I am not in a position to discuss my financial affairs at work. In addition, I never received a written letter that FAMS now had the account that was originally at XXXX and I already had a payment plan/arrangement established with that company. Had I received a written letter I would have contacted XXXX and made arrangements. I still have not received a written letter outlining who I should call, the company details and how much I supposed owe. I was never notified in writing or otherwise that the account was no longer with XXXX. XXXX never had my work phone number they always contacted me via my cell phone number on file.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from the credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my due date was changed this account was never late after multiple disputes GM refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have XXXX late payments and nothing derogatory on my credit report aside from this GM mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making GM do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.
Product: Mortgage

A Property at XXXX XXXX XXXX XXXX Fl XXXX was going to be refinanced when about or in the middle of XX/XX/XXXX I/we were given a letter by the people staying at the said property From Bank of America dated XX/XX/XXXX and addressed to the Estate of XXXX XXXX and referring to such specific property and to the Loan # XXXX. 
And the Bank of America letter said that " the referenced Loan # XXXX Matured in XX/XX/XXXX and that the total amount in the Loan was Not Paid '' LEAVING AN UNPAID BALANCE OF {$1.00} AS PER PAY OFF DUE CALCULATION OF PRINCIPAL BALANCE AND INTEREST DUE FROM XX/XX/XXXX to XX/XX/XXXX Of {$0.00} CENTS AND ADDITIONAL {$6.00} FOR A SAID COUNTY RECORDING FEE and others. Threatening the XXXX XXXX XXXX XXXX XXXX Property with Foreclosure. 

The Mortgage Loans Debt of Bank of America for property at XXXX XXXX XXXX XXXX were the main factor for XXXX XXXX Banruptcy Ca # XXXX And were paid in its Entirety as per their Allowed by the Bankruptcy Court Claim Amount for {$250000.00} as XXXX XXXX STANDING TRUSTEE FINAL REPORT AND ACCOUNT FILED ON XXXX/XXXX/XXXX AS XXXX XXXX of Court Records for Ca # XXXX XXXX. 
I XXXX XXXX as " the Personal Representative of the Estate of XXXX XXXX as per the Admistration Letter Issued by the Court ( and also enclosed to Bank of America ) addressed Bank of America with a request for Correction and explanation for then to show a $ XXXX Balance for the referenced Mortge Loan # XXXX and other balances. 
But as today XXXX No Answer is the Answer from Bank of america .

Furthermore Bank of America had up to XX/XX/XXXX to file with the Court any Objection to the Payments Received and or Balances or Issues Related to the Case # XXXX XXXX as per Notice entered in records by XXXX XXXX XXXX Trustee. And Bank did Not. 
As result of Bank of America mistaken Assertion of Debt ; the XXXX XXXX XXXX XXXX Property and to to the Sudden Surprise of its owners such property had Not been been Issued yet a Release of the Bank of America Mortgage with a $ XXXX Balance.
Product: Mortgage

REFERENCE NUMBER XXXX RESPONSE SENT BY WILMINGTON WILL NOT OPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XXXX ran to Application ID : XXXX & XXXX with out my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XX/XX/XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I feel like Citibank customer service ain't really helping me out with my account. they always got an excuse for everything. Sometimes they contradict there own terms.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

I understood that Wells Fargo would stop the repeated problem with my name and multiple addresses and identity theft, but I was wrong. I have spent 100+ hours trying to get WFC to fix their problem. Last week I thought it was over, but I continue to eventually receive mail, with my name, that goes to an address where I never lived. I have tried, since 2014! It was my understanding that accepting the $ would finally stop the Wells Fargo HARASSMENT. It has not. I have worked with XXXX ( she is great ) and she thinks it is a problem at the retail store level. I went to the retail store and the issue was " escalated. '' But the problems continue. I do not have any accounts with Well Fargo and do not want any mailings, especially going to the wrong address. I refused to give the branch a copy of my drivers license. BTW, the branch Manager did a good job in trying to help and it certainly is not his fault. In addition to the mail from Wells Fargo, last evening, I received a text from Wells Fargo Card Services about " suspicious transactions '' about my debit card that I do not have??? Very few have this phone number but once I gave it to the local WF Branch, now it appears to be compromised.
Product: Debt collection

DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A XXXX & PAYMENT LETTER WITH INDIGO MASTERCARD # XXXX, MILSTONE # XXXX, XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR XXXX XXXX NOR MILESTONE, INDIGO AND THEY WERE PAID INN FULL.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 person knows or has reasonable cause to believe that the information is inaccurate.