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

I received a call from a gentlemen on Friday the XXXX. He stated he was calling in regards to the complaint I filed on the XXXX of XX/XX/XXXX. I answered everything adequately and when I was asked my Date of birth l, I responded with what is my DOB- XXXX. He stated he did not have that on the system. He checked again and kept asking me for a diff date. I have banked with Wells Fargo since XXXX. I only have one DOB. I believe they are trying to place or find excuses for their mistake earlier this month of not allowing me to access my funds and paying my negative amounts to them and/ or use my own funds/ money. Blaming my employer and stating I could not know the reason the check was mot allowed for me to be used by myself. Now, my question is how can one possibly have an account for so long and have a diff date of birth on file all of a sudden, as to what they are supposed to have on the system and has never seemed to be different in any other call or scenario? I have banked with them since XXXX. Have always showed my drivers license which clearly states XX/XX/XXXX. He sounded very nervous when questioned and would not give me any more information but then further asked for my address. I no longer felt comfortable with the call so I proceeded to state Id place another complaint. They are trying to find ways of covering their negligence. I no longer want to bank with Wells Fargo and will be closing my account. If this in fact is not my acct or they have wrong information then I suppose them sending me to collections when not even 30 days had passed of me being negative on my acct is complete negligence and unfair to say the least. The whole situation is a mess and I would like for them to fix it. He stated nervously I should visit a branch in person. I replied I had no reason to keep wasting my time and efforts on fixing issues they have clearly composed themselves.
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported at least {$20000.00} in fraudulent charges to my XXXX issued by Bank of America. These charges have yet to be resolved and negative reports have been sent to credit agencies. 

I have written and called the bank every month requesting the fraudulent changes be credited to my account, late fees reversed and credit agency reports be corrected. the bank has failed to take appropriate action each and every time. 

XXXX XXXX XXXX today, XX/XX/XXXX in a telephone call, I was told Bank of America 's employee XXXX XXXX XXXX that the bank had not coded all charges as fraudulent. This contradicts the bank 's most recent statement.. After coding all charges as fraudulent during the call, XXXX confirmed the account balance is XXXX. Nonetheless and worse still, XXXX then insisted that I pay " something '' to the bank since the " account is past due. '' She made this specific claim on the phone XXXX XXXX I was unable to convince her that since I owe the bank nothing -- I haven't used the card since fraudulent charges were made XXXX XXXX XXXX  -- there could be no late charges. She continued to say, " You must pay the bank something. ''
Product: Bank account or service

I attempted to cash a check at a Wells Fargo, drawn on a Wells Fargo in XXXX California. The customer service manager informed me that there was a fee of {$7.00} to cash the check because I do not have an account with the bank. They refused to issue payment because I would not accept a {$7.00} fee for funds drawn on their institution.
Product: Credit reporting or other personal consumer reports

At the time I had two collectors, collecting for the same balance of my federal student loan. When I contacted at Edfinancial, I was explaining that they do not have my loan. They are not able to pull up my information because I am not in their system. I asked them why are you reporting on my credit file I am in the process of purchasing a home and sending my children off to college and I am able to do so because your company is also reporting that I owe the same balance as another company. If I dont owe it, please remove and send information to the credit bills that I am not responsible. This was over 90 days ago. XXXX still fighting the same issue with Edfinancial. They have not removed themselves from my credit file.
Product: Credit reporting or other personal consumer reports

My car was repossessed 3 times during the US Auto Sales and Westlake Portfolio Management transition between XXXX and XXXX. I paid XXXX over the course of this time. I no longer have my car because of how this was done with has cause me major hardship.
Product: Credit card or prepaid card

This is a complaint for being deceived and unfairly treated by not receiving a promotion that was promised and inaccurately and unfairly having a negative report on my credit report UDAAP and FCRA : 1 ) I obtained a XXXX Chase card ending in XXXX in XX/XX/2017 during a promotion in which people who sign up are given a XXXX companion pass. I had just moved to XXXX XXXX and was in the process of moving from one short term residence to another. Because I had not yet settled in a location I used my old XXXX address for applying for the card. After confirming with both Chase and XXXX that I would receive the companion pass if I signed up, I obtained the card expecting the pass. 

After a month I called to confirm I would be getting it and was assured I would be. After 3 months I called again and was told that I would not be receiving it because my address on file was not updated to my XXXX   address. 

I obtained and used this card under the impression that I would get the companion pass but never received it. 

I was also unfairly treated because other people who signed up have received this pass but I have not. I would like to receive the pass. 

2 ) After being told that I would not be receiving the pass, I paid my balance and cancelled my account. 2 months later I noticed that I was charged a late fee and called to investigate. I was told that I had received a charge after closing the account and that the account was opened. The person I spoke with assured me he would remove the late fee ( which he did ) and that this would not be reported to the credit bureaus. However after further discussion with another representative, I realized that this was not the case. 

-- I would like to ensure that any negative report made on my credit be corrected and to receive the companion pass that I was promised for signing up for the card. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Bank account or service

I have a Health Savings Account that was levied due to a debt I have with Cache LLC. They levied my hsa account and Wells Fargo allowed them to do so knowing that the account is an exempt account from any debt levy in the state of Oregon. This is the second time that this has happened and I went to court the first time and the judge ordered in my favor and all monies had to be returned. Wells Fargo has a fiduciary responsibility to not allow this to happen. This is not only a financial burden for me, it has also hindered me in paying for my children 's dental and medical bills. Wells Fargo has caused me a financial hardship when this could have been avoided to begin with. It is unacceptable for Wells Fargo to be this negligent when the Law is clear regarding these types of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Mortgage

XX/XX/XXXX To whom it may concern, I'm filing this complaint against LoanCare LLC, in the hopes that you will demand that they correct their mistakes. I was approved for a trial payment plan on XX/XX/XXXX - my payments beginning XX/XX/XXXX and ending XX/XX/XXXX I made a courtesy call to them on XX/XX/XXXX and spoke with XXXX who told me that there was no such modification approval. That it was approved, but a supervisor overrode that determination, based on the fact that I had a modification completed in XXXX of XXXX LoanCare claims that Federal guidelines prohibit a homeowner from re-applying for assistance for 24 months. While that statute is, in fact, in place - it applies to loan modifications that are completed AFTER its implementation date which was in XXXX. MY modification was completed in XXXX Not only that, but, I have an FHA loan and the 24-month reapplication period does not apply at all. To make matters even more exasperated, I've spoken with Lawn Care five more times and was told each and every time that the file would be escalated and reviewed by management XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX XXXX - file escalated and Underwriting was directly contacted regarding this matter on XX/XX/XXXX XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update/no record of modification approval on file It's painfully clear that LoanCare is intentionally deceiving me and these business practices most certainly violate Federal Servicing and Compliance guidelines. I'm asking that you step in and demand that they follow proper federal legal procedures regarding this modification. 

Thank you for your assistance with this and I'm available at the email address and phone number provided any time XXXX XXXX XXXX
Product: Bank account or service

UNFAIR PRACTICES and CHEATING BY WELLS FARGO I have saving & checking accounts and debit & credit cards with Wells Fargo. I used by my debit card to make an online payment. I had more than sufficient balance in My saving and checking accounts to pay for the transaction in full, however to settle the transaction the bank only used money in my Checking accounts and for the rest unfairly used over draft facility tied to my credit card. So while I have cash balance in my saving accounts I have been charged overdraft fees and interest for an overdraft on my credit card. THIS IS CHEATING as logically and as a fair business practice the bank should first be using money in saving account and not my credit card. I request your help to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/Equifax are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX  XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX
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 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, credit repair services, or other personal consumer reports

This complaint is regarding KIMBALL, TIREY, AND ST.JOHN 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my XXXX credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the XXXX BUREAU REPORT. 
IN XX/XX/XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to XXXX, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The  debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XXXX XXXX.. 
KIMBALL.TIREY STJOHN ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS.

50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS POSSIBLE PUNITIVE AWARD, should Kimball Tirey and I meet in court. 
XXXX regardless of the position of Kimball Tirey..has  the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXXXXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my Equifax report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from Equifax in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how Equifax calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, Equifax, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as Equifax, XXXX, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( XXXX ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ XXXX {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been contacted at least 5 times a day for over a year from several different numbers that all start with XXXX * I have stated every time that the debt has been paid and also I have faxed over that the debt has been paid * I was informed by this company that the debt is still owed and I may have paid a scam company and that's on me but the debt is still owed to the company that is contacting me now
Product: Student loan

Due to unethical lending practices and telling me they would help me and that I had options, I used private loans and when I could n't pay them I was told I had no other option - when I did bankruptcy to get some relief from medical and credit card - my attorney would n't file the needed docs and I defaulted. I now owe XXXX and I make XXXX a year. Not only does Navient lie about options and helping you - the only thing they are good at is calling you when you cant pay but not working with you.