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

On XX/XX/23, I was treated with prejudice at Wells Fargo Bank. I had made an appointment at the closest Wells Fargo Bank on this date at XXXX XXXX to change my legal name due to marriage. I met with XXXX XXXX, Associate Personal Banker. XXXX XXXX was ill and was coughing and blowing her nose ( she should not have been working with customers ). I gave her my paperwork : original marriage certificate, original stamped & signed court decree granting the petition for change of name, and my driver 's license & social security, both with my new name. She copied it and sent it to an office who approves such changes. It was DENIED! 
I believe that since my decree was from the TRIBAL COURTS OF XXXX XXXX XXXX XXXX XXXX STATE OF ARIZONA, it was not recognized as complete and original. It was the original signed decree from the Hon. Judge of the Tribal Court. It is also my belief that because XXXX XXXX was not feeling well, she failed to copy and send the entire documents and, therefore, inaccurately performed the procedure of making a name change. 
The manager of the bank, XXXX XXXX, was with another customer but paused to help. XXXX XXXX was abrupt, rude, and dismissive toward me. She said if it's denied, it's denied, and there was nothing she could do. I explained I had my accounts for many years, including prior business accounts, and paid off loans with Wells Fargo. I asked her to review my paperwork, my long-standing favorable history, with the higher authority for approval. She looked at my old, damaged file folder holding my paperwork and did not bother to review it, saying if it's denied, it's denied. 
I believe that XXXX XXXX 's attitude of hostility and opinion of me ( a Native American in gym clothes with a beat-up file folder ) was prejudiced. XXXX XXXX made this judgment and disregarded the Tribal Court 's decree, saying it was incomplete and a copy. I requested her to re-examine my paperwork and my bank history, but she did not, therefore prejudiced, with no just grounds or sufficient knowledge of my legal rights. I do understand that she had a customer waiting, but she could have agreed to examine my paperwork at a later time and she would have seen it was a complete and original marriage certificate and legal decree with an original seal and signature. 
I believe that I -- and the Tribal Court of XXXX XXXX XXXX XXXX XXXX -- were treated with prejudice and the court 's decree was disregarded as insignificant. 
I am making this complaint BEFORE filing a complaint and class action suit with the Tribal Court.
Product: Credit card or prepaid card

My CitiBank XXXX XXXX ending in XXXX was charged with {$3000.00} worth of fraudulent charges from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The dates of fraudulent charges were between XX/XX/2022 - XX/XX/2022. I did not initially notice the charges because I pay my credit card bill via auto-pay. However, when my balance was so high, I became alarmed and upon researching, saw multiple fraudulent charges over a few months. I contacted CitiBank immediately and that card was then closed. Citi stated that they would open an investigation. I never heard anything regarding the outcome and this was about 6 months ago! One day in XX/XX/2022, I called Citi again, they sent me a letter stating that the investigation was opened and that is the last I heard from them. Today when I called XXXX, they said my claim was closed/denied because they could not reach me. I find that hard to believe because I have been WAITING to hear from them! That's why I called them again! In addition, I have had the same phone number for 40 years! My address has changed, but I have my mail forwarded via the XXXX. I do not believe them when they say they could not connect with me and therefore, " denied '' my claim. I have email mail. It all sounds too convenient for them to say, " we could not connect with you so we denied your claim. '' I'd LOVE to speak/connect with them to get this handled once and for all! On an other note : Upon looking at my statement, it can easily be seen that charges were made simultaneously in XXXX XXXX AND XXXX  on the same day - how could I possibly be in 2 places on the same day on opposite sides of the country?! No, I did not lose my card. Yes, I am willing to file a police report if necessary. All the while I am accumulating interest fees and my credit is affected by this as well. Today I called again and after 45 minutes of phone XXXX with ignorant people, Citi claimed they will re-open my fraud investigation. I do not trust Citi to help me or do the right thing because they have not in all these months! PLEASE help me!
Product: Mortgage

Select portfolio servicing : XXXX XXXX XXXXforeclosed on a loan I paid off in 1998 after I sold the house for them. They did this by taking my down payment and paying off a 1998 loan recorded on my neighbors lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 



XXXX XXXX Reported : XX/XX/2019 {$400.00} XXXX  XXXX XXXX Reported : XX/XX/2019 {$660.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$170.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$1000.00} Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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 this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

SANTANDER CONSUMER USA I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Vehicle loan or lease

On XX/XX/XXXX my husband and daughter were XXXX by a XXXX XXXX that totaled my car. At that time the car payment was current. I was not told that it was my responsibility to contact the car company to report the incident. However, we did contact the insurance on XX/XX/XXXX and started the claims process ( we did not learn of the incident until XX/XX/XXXX ). I received a call from Wells Fargo Dealer Services on XX/XX/XXXX reporting that the payment was 10 days late. I reported to them the incident with the car and my family, and they basically stated they didn't care and they wanted the payment. I reminded them numerous times that the payment was current at the time that the car was totaled. I received calls from them every day, and I eventually had to file a Better Business Bureau complaint, which they then stopped calling. When my husband and I originally took out the loan from Wells Fargo ( XX/XX/XXXX ), we were told that taking GAP insurance coverage was required to get the loan ( XXXX XXXX XXXX XXXX. ) I have received a bill, including late charges, for {$710.00} from Wells Fargo that I do not believe that I owe, as the GAP coverage should have taken care of it.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX XXXX XXXX : # XXXX : Balance : {$1500.00} ; Opened Date : XX/XX/XXXXXXXX XXXX XXXX XXXX : # XXXX : Balance : {$880.00} : Opened Date : XX/XX/XXXXXXXX  Hard Inquiries : XXXX XXXX XXXX XXXX ( Inquiry : XX/XX/XXXXXXXX  & XX/XX/XXXXXXXX  ) Model Finance ( Inquiry : XX/XX/XXXX ) XXXX XXXX ( Inquiry : XX/XX/XXXX ) XXXX  XXXX ( Inquiry : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX  ) XXXX  ( Inquiry : XXXX XXXX, XXXX ) XXXX XXXX  ( Inquiry : XXXX XXXX, XXXX ) XXXX XXXX  ( Inquiry : XXXX XXXX, XXXX ) XXXX  XXXX ( Inquiry : XXXX XXXX, XXXX ) XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX  ( Inquiry Date : XX/XX/XXXXXXXX  ) It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable XXXX  stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up once again concerning the unresolved issue of fraudulent items on my credit report. Despite my repeated attempts to rectify this matter, the fraudulent entries persist, posing a significant threat to my financial well-being and causing considerable distress. 

Regrettably, the fraudulent items remain on my credit report, tarnishing its accuracy and integrity. I have pursued every avenue available to me through your organization in the hope of achieving a resolution, but to no avail. 

Given the seriousness of this matter and its implications for my financial standing, I am reaching out once again to request urgent action. I implore you to conduct a thorough investigation into the fraudulent items on my credit report and expedite their removal. Additionally, I seek transparency regarding the specific actions taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX*** Balance Owed : {$50.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX of 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

Ive been contacting equifax and XXXX XXXX every other day trying to have them update an account that was opened fraudulent i sent equifax as per there request a copy of my police report documents showing the account is not mines and yet equifax never update my account each document they receive they start my investigation Over from the date the documents is received XXXX XXXX advised me on XX/XX/XXXX they could not removed the account it had to be removed from equifax. I have gotten nothing but the run around from these two companies i spoke with XXXX on XX/XX/XXXX from equifax she advised me the report would be updated that was just away to get me off the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Describe what happened I Just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payments is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
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. 

Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I check my credit report and notice that I have a credit inquiry from XXXX XXXXXXXX on XX/XX/year> I have no knowledge of this inquiry neither did I authorize it.
Product: Consumer Loan

Calls up to XXXX times a day, even on weekends
Product: Credit card or prepaid card

I tried to close my accounts at PNC Bank in XX/XX/2021. They refunded my deposit, but would not close down my credit debit cards. See attached declaration.
Product: Credit reporting, credit repair services, 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 confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number. : XXXX, has violated my rights. 

XXXX XXXX Account Number. : XXXX, has violated my rights. 

XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " US DEPT OF ED / XXXX  '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.
Product: Credit reporting or other personal consumer reports

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law XXXX. XXXX XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Credit XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX INQUIRES XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX