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

I am writing to you asking for your assistance in dealing with an issue that I am having with Wells Fargo. 

On XX/XX/XXXX, Wells Fargo closed out my three accounts without my knowledge or consent. I was not aware that they had closed out the accounts, until I attempted to use my debit card. 

On multiple visits to different bank locations and numerous calls to Wells Fargo customer service, I was told they could not locate any account information for me. I do not have the dates for these visits and calls, but as stated there were numerous. 

I became concerned that my accounts with Wells Fargo had been scammed. 

I then requested my sister to assist with the matter and on XX/XX/XXXX, we placed a three-way call to a customer service rep at the XXXX. The rep advised that she could not help with the issue and provided a phone number of XXXX ( my sister and I confirmed the phone number, each writing it down at the time it was given. ) On XX/XX/XXXX, we placed a call to this number which turned out to be a non-working number. 
We then called Wells Fargo customer service XXXX. We were told that the previous customer service representative had given us erroneous information and that Wells Fargo did not have a phone number of XXXX. 

After researching our problem, the rep advised that cashiers checks were mailed to my street address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. She assured us that she would put a stop payment on the checks and that I could go to the branch at any time following our conversation and the branch would reissue other cashier 's checks for the balance of the three accounts. She also assured us there would be no problem doing this. 

When I followed up at the branch the next day on XX/XX/XXXX, I was again informed I had been given erroneous information and they could not issue the cashier 's checks on a closed account and even suggested that the only way to resolve this problem would likely involve hiring an attorney. 

On the same day, my sister and I made another call to the same 800 #. We were told that we had again had been given erroneous information. This time we were told that I needed to go back to the branch office and they would put a stop payment on the cashiers checks. The rep provided the cashiers check information ( check # s, serial numbers, amounts ) and advised if the banker had any problems to call XXXX XXXX and any representative could help. 

When I returned to the branch, the banker who assisted me called this phone number and was transferred 4 times before anyone could help us. However, I was given two options 1 ) pay 2 % of the check amounts for the stop pay ; 2 ) wait an additional 90 days to see if the checks showed up.

Neither one of these options is acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested for Trans union credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as Tran sunion with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XXXX I have not received those documents from the creditor either has Trans union. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA
Product: Bank account or service

Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.
Product: Credit card or prepaid card

Good Morning. 
Bank of America reported late payments on my credit card for more than 60 days. I already talked to the bank and it was an error by the bank, I made a claim and they corrected the error but my credit report continues to show late payments which lowers my score, they made the update XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am really worried about this situation, I talked with Bank of America today and they tell me that the best solution is call o made a claim with CFPB. Thnak You so Much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to XXXX XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from XXXX  XXXX informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. This item needs to be deleted from my credit report immediately.
Product: Debt collection

I am an international student who lived in XXXX. I got sick around XXXXwhen I was visiting my XXXX so I went to the XXXX, XXXX historical there. From here, I receive a medical bill which I believe I paid. I previously had issue with the charge so I had attempted to call them also I remember I was promised a call back. I also contacted my student medical care XXXX at the money since I was a XXXX university student. I remember I later receive a check from the boatload regarding something about the bill but I dont remember what happened. Later I moved to XXXX for graduate school in XXXX. I hen moved back to XXXX due to COVID. I recently revive a message from my aunt saying that the CBE group sent me a mail for a debt they need to collect and I need to dispute it within 30days or else it is valid. I dont know what the bill is for and I do not live in the states so there is ll way for me to ask them about more information. Nor does the hospital has a email that I can ask regarding this issue. The paper said I would face judgement if I do not lay the bill. The bill is around 100 only and I have no issue paying this if this is what I forgot to pay or some miscommunication issue between me and the hospital, but I do not understand why all of a sudden 2years later I need to lay this bill. And what would happened if I did not pay it in time? Would that affect any of my credits?
Product: Credit reporting or other personal consumer reports

Several years ago I disputed an account with XXXX  that I didn't recognize and the company did an investigation and determined the account was fraudulent. they sent me the letters saying that they instructed the credit beureaus to remove the information but it never came off. please see the letters in the attachment
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXX XXXX  XXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Credit Corp Solutions has called me EVERY DAY. I have a call from today at XXXX XXXX  from them, Thursday they called me at XXXX, they call me multiple times during the day, they call me at night when im at work. They've been doing this for two weeks. They call from different numbers each time they call me and im constantly blocking different numbers every day
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested for Equifax to investigate an existing fraudulent account on my credit report. I have supplied all 3 Credit Reporting agencies with a copy of my police report requesting for fraudulent activity to be removed. Equifax has failed to comply with my request. I've written a letter stating that company XXXX XXXX  does not belong to me and therefore should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I spoke with an Experian customer service agent who stated that I needed to speak with a supervisor about my information request. Upon learning that a supervisor was not available at that time, my only option was to request a supervisor call back. I received an email confirming that a supervisor would return my call ; however, as of XX/XX/2023, I have received no call from any supervisor with Experian. This matter is ongoing and remains unresolved even after nearly two years.
Product: Payday loan, title loan, personal loan, or advance loan

I got a email saying I'm getting a warrant for a loan I never got a loan in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC -XXXX : This is being reported to my credit file erroneously as I have paid this debt and no longer owe this balance. This needs to be removed from my credit file immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$220.00}
Product: Debt collection

XXXX XXXX XXXX  sent me to collections and this is not my debt it is my brothers I tried disputing the item and it was deleted by XXXX then when I disputed it with XXXX  they did not delete the item in question XXXX XXXX took 30 days to investigate and XXXX  only took 2 days I wish to have this item deleted because it is Affecting my credit and my family
Product: Credit reporting or other personal consumer reports

Im having a hard time getting you all to see what Im dealing with in regards to my credit report through equifax. 

So XXXX just pulled my 3 major reports and on that report you see accounts dated XX/XX/XXXX that do not reflect anywhere on my equifax report with you all. 

Example XXXX appears on the equifax report pulled by XXXX with a delinquency dated XX/XX/XXXX XXXXXXXX XXXX  appears on the equifax report pulled from XXXX dated XX/XX/XXXX with a {$2500.00} credit line 29 total hard inquiries show up on tbe equifax report dated XX/XX/XXXX pulled from XXXX Then previously dating XX/XX/XXXX & XX/XX/XXXX I had 3 in 1 report pulled and all this was showing up dating back then to which I submitted a complaint on here bringing it to your attention tbat 26 hard inquired were appearing back on those and at that time I believe roughly 3-4 hard inquiries were on my report directly from you all.

This next part I understand you dont have control over my actual score but Im sharing this cause per that report sourced directly from Equifax it detects most delinquencies dating just two months ago. And it detects an account portfillo recovery with 120 days delinquency reported on it as well. 

So this is a major issues information coming from Equifax when pulled through a lender which Ive had adverse action letter prior for things I applied for that it obtained my credit directly from you all and was confused by what it mentioned so its not just 3rd party source proving information like this but actual reporting agencies such as XXXX is providing the same data coming from you all on me. So all this started roughly XX/XX/XXXX I noticed my actual reports directly from you all would show one thing yet equifax.com would report widely different things. Ive brought that to your attention through disputes etc. okay it would be fixed but the actual source of the issue clearly wasnt addressed
Product: Debt collection

I am contacting you again in regards to a bill from XXXX  that I have already had removed from my credit report once due to the collection agency not being able to validate the date and yet again this same account ( from XXXX  ) has resurfaced by being placed on all 3 of my credit reports again claiming that I owe this debt from a collection agency called Contract Callers, Inc.I requested validation of the debt prior to this collection company putting this debt on my credit report however, I did not received that validation. Now finally this collection agency Contract Callers, INC have finally sent a copy of a bill that they say is a validation that I own and owe this debt yet the information they sent does not have my name, it has no information as to my DOB, Social Security number, etc. with what was sent this is not a validation of the debt that they claim that I owe to them. Like before I am requesting that this debt be DELETED from all three of my credit reports and not be allowed to be placed back on my reports due to the fact that not once but twice now the original creditor XXXX has not been able to provide adequate validation to prove that this account is mine yet they constantly keep reselling this debt to different collection companies who can not validate the debt yet they are placing it on my credit reports anyway thus ruining my credit as fast as I can try to restore it.
Product: Debt collection

I was contacted today XX/XX/XXXX by a female at my work phone number from a company called XXXX calling on behalf of XXXX she says.I told her I don't know what the loan was for and that i recently paid off all of my debts. She went on to tell me that " I work at a XXXX and i should know how it works '' Threatening me saying " she doesnt know how i am still employed because i owe the money and i need to resolve before they take further action '' They claim they have sent me emails, which i have never received. They also said it was from XXXX, why is this no where to be found on any of my credit reports? Last time a gentleman called and started giving me a different customers DL #, address and ssi? This is not okay. 
She called from XXXX i received a call a few weeks ago in XXXX of XXXX as well. 
My mail has also been forwarded from any previous addresses i have had so i would have received communication.
Product: Vehicle loan or lease

SUBMITTED APPLICATION FOR A FORD VEHICLE THROUGH FORD CREDIT FOR A LEASE OF A VEHICLE.

THE MONTHLY AMOUNT OF THE VEHICLE WOULD BE LESS THAN {$300.00} AND MONTHLY GROSS INCOME IS {$2000.00} SUBMITTED ON XX/XX/XXXX ( BLACK FRIDAY ) AND ONCE PRIOR TO THIS DATE.

FORD CREDIT DENIED FORD CREDIT FOR A LEASE, REFUSED THE BASIS FOR THE CREDIT DENIAL THEN GAVE VAGUE ANSWERS AS TO THE DENIAL.

DENIED THE OPPORTUNITY TO SPEAK WITH FORD CREDIT AS TO THE DENIAL AND THE DECISION AND WAS ONLY TOLD BY A DEALERSHIP EMPLOYEE THAT A COMPUTER HAD THE LISTED CRITERIA UNDER MY NAME ; ( NONE OF WHICH WERE TRUE ) AS : 1. JUST A SHOPPER ; 2. A LARGE AMOUNT OF REVOLVING CREDIT CARDS ; 3. PENALIZED FOR NOT BEING A VEHICLE OWNER, 4. AND NO FURTHER INFORMATION WAS PROVIDED AND THE REQUEST FOR WRITTEN DOCUMENTATION OF THE DENIAL AND REASONS FOR DENIAL WERE DENIED. ( AMONG OTHER NEGATIVE TREATMENT ).

5. DESPITE THE FACT THAT A PRE-approvAL by XXXX XXXX for same priced vehicle, WAS PROVIDED BY XXXX XXXX BASED ON THE SAME CREDIT AND FICO SCORE FROM CREDIT PULLED ONE WEEK PRIOR ON XX/XX/2018.

TOLD THAT FORD CREDIT WILL DENY CREDIT NO MATTER WHERE AN APPLICATION FOR A VEHICLE OF ANY KIND IS SUBMITTED BY FORD AND THAT THE OPTION TO GO TO ANY OTHER FORD DEALERSHIP WAS COMPLETELY LOST BECAUSE THEY ALL ARE GOING TO DENY ANY LEASE OR PURCHASE AND THAT NO OTHER DEALERSHIP WILL ASSIST WITH ANY VEHICLE WHATSOEVER.

FORD CREDIT REFUSED TO FACTORED IN THE FACT THAT APPLICANT IS A HOME OWNER WITH A HOME PAID OFF WITH A VALUE OF OVER {$60000.00} ; A XXXX YEAR CREDIT HISTORY OF CREDIT CARDS ( XXXX CREDIT CARDS AND PAID TIMELY EVERY MONTH ) AND A XXXX YEAR EMPLOYMENT HISTORY.

THIS WAS A CLEAR CASE OF A BIAS, arbitrary, capricious, EGREGIOUS, UNFAIR AND DISCRIMINATORY SALES AND SERVICES, DECISION, ACT AND PRACTICE ON THE BASIS OF CREDIT ; THE COST OF THE VEHICLE AND AGE under XXXX years old, and AS a first time Lease or PURCHASE REQUESTED RESOLUTION : APPROVAL FOR A LEASE OF THE SAME TYPE OF VEHICLE, WELL BELOW THE $ XXXX MONTHLY PAYMENT FOR A MINIMUM OF XXXX YEARS/XXXX MONTHS REVERSAL OF CREDIT BEING PULLED MULTIPLE TIMES AND SUBMITTED TO FORD FOR A LEASE.

FURTHER, OFFERS TO PURCHASE THE SAME VEHICLE AND THE TERMS OF EACH and the monthly payments for each offer.

1. DIRECT VERBAL COMMUNICATION WITH FORD CREDIT WITH FAMILY AND SELF AS TO why there is a penalty for 1st time lease OR purchase 2. VERBAL COMMUNICATION DIRECTLY WITH FORD CREDIT WITH REASONS FOR DENIAL.

3. DOCUMENTATION OF THE DENIAL TO BE PICKED UP IN PERSON DIRECTLY FROM THE DEALERSHIP WHERE THE DENIAL OCCURRED 4. WHY NO OTHER OFFERS OF ANY KIND WERE EXTENDED, OFFERED OR FOR ANY VEHICLE at all 5. DOCUMENTED OFFERS FOR PURCHASE OF A SAME VEHICLE AND OVERSIGHT OF ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing as my last results to get his matte fixed before i have to go higher up to fix this, for i have contacted equifax 3 times by phone and i have aways disputed these items 5 times. There is a few matters here that i am very very upset about and a huge vilation of my rights and i want this matter fixed NOW!! I have sent in my papers that i needed for them to fix this and all they do is update that the dispute is finshed and nothing is done or update. Equifax is in violation of my rights and i am not going to let them harm my credit file anymore by not doing their job. To start with i have a few inquiries that are listed on my credit file that i have no acknogle of and i have contacted the companies and told they can not do anything since they have no record of me because i have no account with them, i have also sent in my id report stating this information also and still after two months and 5 disputes and 3 phone calls, why is nothing still not being done? Next there  is a consumer statement on my credit report that i will attach a picture with along with this report, it is on my file as a statement that can be seen and also as if i wrote it, it stats in the statment something in the lines of " There should be no balance, past due balances o rmonthly payment on an acounnt no longer owned by the original company ths account has been transfered and needs deleted immediatley '', for i am not sure why they have this as my consumer statement and as i have proof of me disputing, calling in and asking for deletion of this false reporting information on my file, I do not have any past due or negative items or late payments or anything in that sense for this statement to make sense or belong with my credit file and i want it deleted NOW, it is false statment and gives false information on my file and that is another violaton of my rights. also i had disputed a account to make sure that it was reporting updated information on a auto loan and just to update it that it was paid off and 12 months of postive reporting payments for this account and instead of doing that equfiax AGAIN voilated my rights and went upon theirselves and deleted this account that showed my longest postive account and payment history and i am very upset about this, i can name 5 viloations they are doing and i am sick of it not gettin taken care and my rights not being taken into consideraction, so something needs to be done. If this is not taken care of by filling once again a complaint and then i know my rights and will go to the next step. My account that was deleted needs to be put back on and also these inquiries that i have no acknogle of needs deleted RIGHT now and also the false reporting consumer statement that is reporting false information and lies and these are all huge violatons of my rights. I will attach again my ftc report to this and hope this is all taken care of!! 

inqurie dates XXXX XX/XX/2020 - XXXX XXXX   XXXX XXXX XXXX   XXXX  Thank you XXXX XXXX XXXX last