23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have called/emailed Wells Fargo ( WF ) countless times to ask them to provide corrected due amount to the WA state HAF ( since XX/XX/XXXX to release WA HAF fund directly to Wells Fargo ) . But Wells Fargo failed this simple task. It provided the WA state HAF with wrong info multile times in a row ( and put the HAF assistance at risk ), even AFTER my XX/XX/XXXX complaint to you ( case # XXXX ). The exec person assigned to this case ( XXXX XXXX XXXX ) did not respond to my multiple calls/messages for about 10days ( I left him at least 5 messages for a callback but he did not get back until I called again on XX/XX/XXXX ). When he finally did, he clearly did not know the key issue and failed all promises ( not getting this taken care of by XX/XX/XXXX, not callback on XX/XX/XXXX after the long weekend, not knowing the key issue, not reading escalation requests from the field manager/reps, not even wanting to transfer me to his supervisor by keeping saying he's busy/in meeting, I had to insist to be connected to his VM ). He's not taking any actions while the field manager/reps already provided me the corrected information ( by phone and email last week ) that the escrow amount was zero. I also received paper mail yesterday and asked him to inform the WA HAF team the new corrected amount so I and WF won't lose the HAF assistance. He refused to connect with the Wells Fargo HAF team and kept saying there's nothing he could do ( while multiple field reps told me last week all needed is a go ahead from the exec team ). While the WF system has been broken for years and the Gov fined it for {$3.00} Billions recently, I sensed no culture or service changes, the exec rep ( XXXX XXXX was the worst among all the numerous WF reps I interacted with in the last few months to correct a simple WF error. Please assign a new exec rep and ask Wells Fargo to send the corrected amount to WA HAF by XXXX XXXX on XXXX XX/XX/XXXX. all needed is a simple phone call or a note with less than 10 words ( the new corrected amount is $ -- -- -- - ). Thank you! 

Truly yours XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX  this accounts is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry EXPERIAN CREDIT BUREAU Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, 2020 {$0.00} Closed + 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 Section 2 : It also states a consumer reporting agency can not furnish a 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: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to REMOVE the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Wells Fargo Bank today XXXX, XXXX, 2017, to provide additional evidence to support my case in a large purchase I made, for which the merchant did not provide. I was told there is nothing more I can do and that after arbitration, there is no more appeal process. What frustrates me is that on multiple occasions, when this bank has decided a dispute in my favor, they have come back and changed their minds. However, in a large transaction, where the merchant did not perform the service they promised, my bank is refusing to help me. They are refusing to accept new evidence and are saying there is nothing further I can do. The bank 's dispute process and arbitration is biased toward businesses and they are not advocating for their customers, as they promise. Furthermore, in the initial consultation, I was never told this dispute was going to arbitration. Instead, I was told by the dispute analyst, XXXX XXXX, that all I needed to get was an invoice or an estimate from another merchant to show the service was not as expected ; yet the dispute was still decided against me. I was not given full disclosure to the magnitude of this process and now, after reaching out a second merchant for definitive proof that I did not get the service I was charged for, the bank is still refusing to help me with this. I filed a complaint earlier about this matter in the previous evidence. This new complaint is about the fact that my bank is refusing to accept the new evidence I am presenting and they are retaliating against me for filing the original CFPB complaint. I have been a Wells Fargo customer for years and it is shameful that they are treating me like this. This transaction is worth 1 full month of my paycheck and my bank is helping this other business rob me of my money.
Product: Checking or savings account

I opened an account with Truist Bank on XX/XX/XXXX. The next day a letter was issued saying the account had been closed but arrived on XX/XX/XXXX. On XX/XX/XXXX, I was told I needed to go to the bank and bring my ID to finalize the account I started online. I did that and when I called customer service was told there was another issue. After numerous phone calls to no avail, I went in person in early XXXX to see what was going on with my account after receiving the letter dated XX/XX/XXXX. I spoke with a banker who informed me the account was closed and I would receive a check for the amount I had already deposited. I still continued to receive emails from Truist as though I had an active account. I called in XXXX timeframe to ask again where my check was and why the company continued to send me emails like I am a current customer. The agent I spoke with told me the account was shut down and she would make sure a check was issued. Today, XX/XX/XXXX, I got a call saying that my account ( which again, is supposed to be closed and funds returned ) is in the negative and has been for XXXX  days. Since XXXX I have been completely locked out of the online banking and have not been able to see what fees have been taken from the account.
Product: Credit card or prepaid card

I had contracted a local    XXXX   XXXX   XXXX   (   XXXX   XXXX   )    in   XXXX    2016 to do some interior and exterior work on my house. I paid him with a credit card, issued by Chase, supposedly to be protected by the illusionary guarantee, provided by the bank. The workmanship and materials are of such a low, substandard quality, that six months later, there are visible gaps and cracks, bathrooms need to be re-caulked and re-grouted, exterior columns show cracks, etc. I have filed a complaint with Chase and they initially gave me credit for the shoddy, substandard work. I have provided them with all pertinent documentation, when they needed it. The contractor  disagreed and finally, Chase reversed the charges on frivolous pretexts. I had provided Chase with a written estimate by a screened and vetted contractor, registered with  XXXX . Chase rejected his estimate on a whim, saying they needed an estimate, written on " letterhead ''. I find this extremely pretentious, concocted and contrived, as building contractors are good at fixing houses but they should not be expected to come up with some fancy letterhead and logo to satisfy some frivolous demand!
Product: Consumer Loan

I have a loan with this company for years. Always pay early and more than is due. They called about 4 weeks ago offering me to renew and get over {$1000.00}. I didnt do it at that time. I called a couple of days ago to see about getting money, the next day they said they can only get me {$500.00}. No reason why. The manager XXXX wont get on the phone. They pulled my credit and will not give me an answer as to why they dont want to give me the money they originally promised. That goes against the FCRA. I deserve an explanation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX, XXXX  and XXXXXXXX XXXX The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting infected with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails.

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you with growing frustration and concern about my multiple attempts to address the late open accounts that continue to mar my credit report. Despite my persistent efforts to dispute and rectify this issue, the late open accounts persist, causing significant damage to my financial well-being. I insist on an immediate resolution.

I have initiated disputes for these late open accounts on multiple occasions and yet they remain on my credit report, adversely affecting my credit score and my ability to access loans, credit cards, and other financial services. During each dispute, I have provided comprehensive evidence to support my claims, but there has been little progress in resolving this matter.

The continued presence of these late open accounts has had a severe impact on my financial life. They have unjustly lowered my credit score and hindered my access to financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history.

I demand the following actions to be taken immediately : An immediate, thorough, and unbiased investigation of the late open accounts in question.

Regular updates on the progress of the investigation.

Prompt removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the results of the investigation.

I trust that you will treat this matter with the utmost urgency and professionalism. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I got a response from TransUnion and XXXX one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is when i submitted my very first letter to all 3 major credit bureaus trying to remove and update all incorrect information due to identity theft. Till today ( XX/XX/XXXX ) nothing has changed. I have filed a second police report on XX/XX/XXXX. I sent all the info of the police reports, I sent all the letters explaining to them that some of the addresses, debt, and collections do not belong to me and they were opened fraudulently. I even asked them to provide proof and info on how they are verifying this debt and nothing has been received from them. Its been over 3 months since I have requested that information. I have froze my accounts and submitted identity theft reports to the FTC. I have MULTIPLE reports. I am about to file a 3rd police report on identity theft. Below are all my FTC reference numbers. For each number I have submitted multiple letters to each of the 3 credit bureaus and nothing is changing on my credit report, and new things keep appearing almost every month. It is disturbing the quality of my life and I need this incorrect/ fraudulent information removed immediately! 

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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$680.00}.
Product: Checking or savings account

On XX/XX/2022 At around XXXX XXXX I went to the region ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I used my debit card to deposit Cash to my business I deposit {$1400.00} in cash the ATM took the cash the atm said Payment retained Transaction canceled each time I tried to print a receipt the atm said transaction canceled. Regions Atm took my money. Regions can count the machine and see the machine was over plus there's a video recording showing I made the atm deposit. I'm not sure why but I'm having a hard time getting my {$1400.00} back when the atm took the money and did not deposit the money into my account