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

My name is XXXX XXXX. I am one of XXXX XXXX customers of Wells Fargo Bank who were defrauded by the banks many lawless activities. 

In my case, Wells Fargo Bank set up, what the bank called a Preferred Product account in my name, without my knowledge or consent and proceeded to charge me fees for this unauthorized account from XX/XX/XXXX, to XX/XX/XXXX. 

In XX/XX/XXXX, I received a letter from Wells Fargo Bank requesting that I contact them regarding the unauthorized account, which I did, and I was told that they would do a thorough review and contact me later. 

On XX/XX/XXXX, the bank sent another letter requesting that I contact them within 60 days of receiving the XXXX letter, which I did again. ( see attached letters ). 

I was informed that Wells Fargo would be issuing a check for {$920.00}, along with a XXXX XXXX XXXX and, an explanation of the Mediation Request Form process within 45 days. 

On XX/XX/XXXX, I was sent a follow-up letter that stated that I was eligible for compensation. As a result, the bank enclosed a check for {$920.00} with an apology for any inconvenience that the unauthorized account XXXX have caused. 

I called Wells Fargo Bank to let them know that if I am NOT satisfied with the {$920.00}, I will file the Mediation Request Form and submit it to the bank. 

I was told that the check was just a courtesy and I could still file the Mediation Request Form. 

However, the XXXX letter uses the word compensation which I know is defined in the dictionary as a payment to the injured party for the harm suffered. 

I called Wells Fargo Bank on three occasions to get clarification, but the representative ( s ) responses were confusing and contradictory with different explanations each time. 

When I called the telephone number in the letter, an auto voice came on the line saying This call XXXX be recorded. 

For my final call to the bank, a representative by the name of XXXX answered when I asked if I could record the call, XXXX became hostile and combative by saying he does not give his permission to be recorded which is strange since they can record me but I can not record them. 

I merely wanted to get verified clarity. 

In any event, XXXX would not give me his last name. After my insistence, XXXX finally gave me reference # XXXX for him. 

XXXX said that the {$920.00} check was money that the bank gave me so I could use the funds any way that I liked and that the {$920.00} had NOTHING to do with being able to file a Mediation Request Form. 

Perhaps, I have answered my question regarding the word compensation in the XXXX letter. However, when Wells Fargo Bank representatives keep telling me that it doesnt mean I can not still file the Mediation Request Form, I need to get a firm answer to the compensation question. 

In any case, I will not cash the {$920.00} check until and unless I get clarification from the bank that it is not a way to pay off customers for their fraudulent activities. 

Considering Wells Fargo Banks past conduct, I am not positive I can believe the banks representatives. 


( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer XXXX. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed XXXX reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Product: Checking or savings account

transferred money to account has been pending saying posted but still not available. XXXX process instant transfers and money was sent on XX/XX/XXXX around XXXX. Money still showing available but not accessible. This is causing major hardship and damage. As per my consumer rights I would like this matter to be resolved immediately.
Product: Student loan

My student loans were transferred to Navient from XXXX a few years ago. I was notified by Navient on XX/XX/2016 that a parent plus loan went into deferment on XX/XX/2016. I immediately notified them on XX/XX/2016 that I did not want this loan to be in deferment. This payment was part of a loan credit program reducing the interest rate 1.5 %, but because I missed a payment because of their late notice to me this loan credit was retracted. They also charged me {$83.00}. I was not aware that when my daughter returned to school for a master 's program that when she placed her student loans into deferment the parent plus loan I have would also go into deferment. I have asked them in writing to reinstate this credit because I had no opportunity to ensure the payments remain consistent, but they have denied this request.
Product: Mortgage

I XXXX XXXX with This letter is to complaint about a problem I am having with PNC Mortgage loan # XXXX, I am complaining because they been foreclosure on me since XXXX/XXXX/XXXX width paper work from a mortgage paper work from XXXX/XXXX/XXXX, I complaint and say they used the wrong documents but no one does anything to help me on this wrongful foreclosure because I modified my mortgage on XXXX/XXXX/XXXX and on this loan they commit violations of TILA I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their letters and other relevant documents with dates and Balance Discrepancy 's. Unfortunately, the problem remains unresolved I am hereby requesting that you CFPB please help me with this Bank PNC to repair and fix this foreclosure and I Insist Pursuant to TILA, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23, on changes to the release document such that you PNC MORTGAGE are not able to claim the note and mortgage because they are void, invalid, non-negotiable, Pursuant to TILA and Regulation Z, you have twenty days after receipt of this Notice of Rescission to return all monies paid and to take action necessary and appropriate to terminate the security interest. Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ). and for you CFPB to help me to get this to the respect Parties to send demand letters to for errors and omissions and malpractice and find this bank guilty of the damage they have caused me, I have been struggling with my case for XXXX trying to negotiate a loan modification but this Bank PNC ignore my request for two years I am not asking to give me a free house I am asking you for justice for me as well as for other citizens, These bank continue to take advantage of the clients and home owners, mock the laws with fraud and false statements false documents and here I have evidence on XXXX/XXXX/XXXX my house was on for foreclosure sale that I stop filing for bankruptcy protection even after I send them the rescission notice, all I want is justice and a loan modification and the adjust price of my home that is under water Thank you for your anticipated assistance in resolving my problem.
Product: Debt collection

I received a call from Source Receivable ( XXXX ) XXXX on XX/XX/2022 at XXXX pm regarding a XXXX XXXX XXXX. 

XX/XX/2022 - XXXX pm I was told by a gentleman the balance due was {$900.00} dollars. I explained to him that I left XXXX years ago and the balance was resolved. The man working for Source Receivable told me that I owed this money. I told him that he " wasn't going to overtalk me if you want me to pay this bill. '' That when he said something to effect, " obviously you haven't paid the bill.. '' I asked to speak to his supervisor he hung up. 

XX/XX/2022 - XXXX pm I spoke to another employee at Source Receivable ( XXXX ) XXXX. I asked for a supervisor. She hung up on my also. 

XX/XX/2022 - XXXX pm I spoke to XXXX from Source Receivable - asked for XXXX Supervisor, she transferred to XXXX ( a Supervisor at Source Receivable ). She explained the bill, asked for XXXX XXXX number, I need to further dispute the charges. She informed me that XXXX would refer me back to her company. 

The whole issue is with the first Gentleman I spoke with at Source Receivable Management, he was condescending, abusive, unprofessional, unethical and rude.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I believe Pinnacle Financial Services has re-aged an old collection, and has updated the " original default date '' to less than 2 years ago. I have not been in contact with Pinnacle Financial Services, have not claimed responsibility for this debt, and do not believe I should be responsible, but the debt has still been re-aged without notifying me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX D.O.B : XX/XX/XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Dispute of Collections and Charge-Offs on Credit Report Dear Equifax Customer Service , I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : 1. XXXX XXXXXX/XX/XXXX ACCT : # XXXX {$0.00} 2. XXXX XXXX XXXX ACCT # XXXX {$10000.00} 3. XX/XX/XXXXACCT # XXXX {$0.00} 4.XX/XX/XXXX ACCT # XXXX {$0.00} I believe that the information reported is inaccurate because [ briefly explain the reasons for your dispute, such as the debt has been paid, settled, or is otherwise incorrect ]. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted.

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that Equifax conduct a thorough investigation into these entries and remove any inaccuracies from my credit report.

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX XXXX Dear XXXX XXXX XXXX, TransUnion Consumer Solutions XXXX XXXX I am writing to request the removal of several hard inquiries from my credit report. I recently reviewed my credit report and noticed that there are multiple hard inquiries listed, which I believe are negatively impacting my credit score. I believe they are as a result of a data breach at XXXX. 
I understand that hard inquiries occur when a potential creditor or lender checks my credit report as part of their decision-making process for granting credit or loans. However, I have reason to believe that some of these inquiries may have been made without my consent or knowledge, and this fraudulent in my account XXXX Inquiry date XX/XX/202XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 I request that the following hard inquiries be removed from my credit report Please note that I have also disputed these inquiries with the respective creditors or lenders and have not received any satisfactory response. 
I understand that the removal of hard inquiries is not always possible, but I hope that you can help me resolve this matter. 
I would like to request that you respond to my request within the next 30 days, as per the XXXX 
Please remove these inquiries as soon as possible so that I can maintain a good credit history. 
Thank you for your prompt attention to this matter. 
I appreciate your cooperation in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

The loandepot closed my refinance but didn't fund the loan for 3 days after the date of closing and I had to pay interest at previous mortgage company and with loan depot for same 3 days twice! 

I talked to the title company and they said they didn't get approval to do final funding for that time period and refunded 1 day 's interest but remaining 2 days I followed up with loan depot and they kind of agreed and opened ticket but now wouldn't respond for more than XXXX months and tell me anything about refund of XXXX $ XXXX XXXX $ interest per day x 2 days )
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX XXXX Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX XXXX High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX Reference number XXXX discharged XXXX is not her account XXXX XXXX High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX High balance {$690.00} Opened XXXX XXXX is not her account
Product: Credit reporting or other personal consumer reports

This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was notified of this account when it showed up on my credit report over a year ago from a collection agency called Ad Astra XXXX located in Kansas. It states I owe {$5700.00}, I had no idea what this was as I never received anything from Ad Astra but they have been reporting this on my credit report for over a year which lowered my scores tremendously. Every time I dispute the account it comes back verified yet I never receive anything showing verified. I sent them a validation of debt twice starting in XX/XX/XXXX and never received any thing back, I sent them over 15 emails, 3 faxes which I have to pay for each time and even had one of my credit monitoring companies send them a call for action which they did respond only to say call them. When I call, the company is mainly used for XXXX XXXX collections and have only a few XXXX representatives or maybe just one named XXXX. They either can't transfer me to one because they phone isn't working, the rep isn't available, the computer is down, all I get are excuses. Even the website when you log on it goes to a XXXX XXXX website. I have called XXXX to see if I could get any information from them but they stated the account belongs to Ad Astra and they can't do anything. I have probably spent over 40 hours of my time trying to get this handled yet I never hear back or can reach anyone. I am hoping you can assist with this so I can figure out what is going on and get it handled. Their website states they will remove it from the credit reports after two years which is coming up in XX/XX/XXXX but I would like to get this derogatory report off my credit sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX citizen and I submitted my signed notice to not renew my lease via the apartment office 's dropbox on XX/XX/2019, which was within the required timeframe. XX/XX/2019 was XXXX XXXX and the apartment office was closed and it was not until XX/XX/2019 that the office staff returned to the apartment office. As a result, the apartment manager said my notice to not renew my lease was late and charged me a late fee which is a month 's rent. In addition, although the apartment manager had my email address plus phone number and knew my USPS mail was being forwarded to my new address, I was never contacted me about the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Request for Removal of Accounts from Experian and XXXX Due to Lack of Thorough Investigation Dear Sir or Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) intervene regarding inaccurate credit reporting practices by Experian and XXXX. Specifically, I am seeking the removal of the following accounts from both credit reporting agencies : Experian Account Number : XXXX TransUnion Account Number : XXXX, XXXX I have reviewed my credit report and find these accounts to be accurate ; however, neither Experian nor XXXX has provided any evidence of a thorough investigation into disputes that were raised. Both agencies are failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that a reasonable investigation be conducted when a consumer disputes information on their credit report.

Moreover, this failure to properly investigate is also in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPBs recent administrative proceeding against Equifax ( File No. XXXX ) has emphasized the importance of agencies adhering to these federal laws, and it appears that Experian and XXXX may be engaging in similar practices.

Given these circumstances, I request that the CFPB take appropriate action to ensure Experian and XXXX comply with the FCRA and the CFPA, including providing consumers with the necessary documentation of investigations, or, in this case, removing the accounts from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response and a resolution of this issue. 

Sincerely, XXXX XXXX I want reported accounts removed please.