23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Institution : Wells Fargo Borrower : XXXX XXXX XXXX XXXX Account : XXXX Issues : Wells Fargo making it diffiduclt to pay off HELOC, Violation of Loan Agreement limiting our ability to pay off loan. Refusal to Comply with 11 Requets for Estoppel Information. Neglegence, BSA Compliance Fraud and Technical Default of Loan Terms We have filed a complaint with CFPB in the past and Wells responses were based on lies, fraud, deceit and did not answer the questions demanded of them. Complete Loan Payment History took 6 months to provide and we question the loan repayment, interest and untimely payment of Escrowed Taxes & Insurance causing us to receive a cancellation of Insurance for non repayment. This bank is horrible and we have caught them in lies. They refuse to allow us to wire transfer loan payments causing us to go to branches. This is direct violation of Loan Agreement as Wells tries to impose internal policy that is not addressed in the original loan agreement. We finally received a pay off letter dated XX/XX/19 and received on XX/XX/19. Letter details after XX/XX/XXXX cut off the interest is charged differently. How oxymoronic is that? In reality it is another way for Wells to gain more interest on loans. WE DEMAND A COMPLETE AUDIT AND EXAMINATION BY CFPB, HUD, OCC AND FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I made a second payment on XX/XX/year>24 of {$10000.00}, first of the new Mohela platform which I haven't received credit for. However, I did get a confirmation # XXXX after a few calls later. Which now they can't find the payment. It was directed to come off loan # XXXX. I have the trace # from my bank that it was successful. The funds did not go back to my bank or school.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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

I am still in preparations in purchasing a home, I have been monitoring my credit report thru XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX | XX/XX/2019, XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.
Product: Debt collection

Received notice of attempt to collect a debt ; performed due diligence and called the agency to dispute the debt ; the Debt Collector then communicated that there was a mistake it was a different Company who was seeking a collection. I explained that the company had been partially paid because due to incompetence on their part a larger debt was incurred and via email had been notified that unless the credit card payment was returned the matter would be considered closed and paid in full ; the collector then verbalized that, that could only be done via a check as payment, then threatened to have me served tomorrow at my address ; I then communicated that, that was illegal as I had not even received proper notice and the opportunity to dispute the debt based on my documentation, the debt collector then began to belligerently insist that there was going to be a suit filed tomorrow, that I was going to be served at my residence, he was going to file the suit before I had the 30 days to dispute the debt ; even thought this particular company had the wrong debt attached to my name. When I informed the debt collector that such actions could not be taken until proper notice was completed and the my right to dispute the debt process completed a law suit could not be filed. The collector kept taunting saying Oh are you upset now when I repeatedly communicated I was not upset that I had just been to XXXX again belligerently trying to have me become emotional he told me to go back to XXXX and practice that XXXX stuff ; XXXX XXXX communicated that his boss wanted to speak with me, I again verbalized I knew my rights and recompense under the law to the second debt collector who did not give me his name much of the same belligerent threats of filing a lawsuit ensued at which time I repeated that I had not even received proper notice he kept repeating he was going to serve me tomorrow if he wanted to and the debt would be over {$500.00} by then, I repeated I knew he was not within his rights to do so until proper notice, and my response process was complete he hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XXXX  didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken. 

XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX  XXXX  # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX  # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX  # XXXX -- THIS ACCOUNT DOES NOT BELONG TO ME
Product: Debt collection

XXXX was not authorized. My ex-husband or the person who has done ID fraud has used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report perXX/XX/XXXX andXX/XX/XXXX 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX   XXXX  wit h two lett ers, which first was mailed  XXXX   XXXX ,  2017  and second one on  XXXX   XXXX ,    2017 requesting Identity Theft Block in accordance with Section 605B of the FCRA and they clearly are refusing to block all the information I sent them by mail twice, with USPS Certified Mail with Return Receipt. They sent me a letter stating the declined due to eith er : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section  605B  of the FCRA.    XXXX   XXXX  is clearly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
Product: Student loan

Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXXXXXX XXXX XXXXXXXX - Timing of Payments XXXX XXXX XXXX Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXXXXXX XXXX XXXX XXXX  ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Checking or savings account

Beginning on XX/XX/2019 there were 8 unauthorized charges to my business checking account ( XXXX XXXX XXXX ) with BBVA Compass. I immediately contacted the banks fraud department to make them aware. Since the charges were still pending they advised me to deactivate the debit card that the charges were on and call back once they posted. on XX/XX/XXXX all the fraudulent charges were posted to my account and a total of {$2700.00} was deducted from my account. I immediately called the fraud department back to dispute the charges. I was told I would receive an email to confirm the dispute. I never received the email so a week later I went to my local branch on XXXX XXXX in XXXX TX. They told me they would take care of it and I would hear from them in a day or two. My local branch never called me back so I returned 2 days later to speak to the branch manager XXXX XXXX. XXXX assured me this would be taken care of and she would be in contact with me in a day or two. I never heard back from XXXX so I called her again on XX/XX/2019 for her to tell me that she could not help me and I needed to call the fraud department again myself. I called the fraud department at XXXX to ask why I still had not received my {$2700.00} back into my account. The fraud department told me that my dispute is being denied because Visa said it was verified. I explained that I without any doubt never made these overseas charges and I demanded to see proof that I made them. The man on the phone told me I would receive all the information in the mail. What I received in the mail did not provide any proof that I authorized these charges only a letter stating they were denying me. I also asked him how I can dispute this and he said for me to XXXX it or contact my local police department to file charges. Below is the breakdown of the fraudulent charges. 

XX/XX/2019 {$1100.00} XXXX XXXX XXXX XX/XX/2019 {$510.00} XXXX XXXX   XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$33.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX I never authorized any of the above transactions and strongly believe that BBVA Compass is not abiding by the contractual agreement they made with me in protecting me against fraud. BBVA Compass must reimburse me for the total amount of {$2700.00} according to my agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint XXXX the response from the credit agency states the investigation will result in contacting a Vendor to verify the alleged negative item in my credit report. 

Verification from a vendor is not the actual source, which is the Court. The courts do not verify information so verification from a Vendor is not accurate reporting, it 's Hearsay. Please remove the alleged negative item from my credit report according to FCRA.
Product: Credit card or prepaid card

Wells Fargo has closed my secured credit card sometimes in XXXX of XXXX. I have found out about it in XXXX XXXX. I was told I should be getting my security deposit back to my checking account soon. In XXXX I still have not been given back my security deposit of {$600.00}. I n XXXX called again and got answer that they sent refund check to the address I do not live no longer. they were supposed to return money o my checking account two months ago. I was told I can go to any branch and request refund there. ( not  true ). I want to the branch and I was told I have to wait till and of XXXX to make stop payment to reissue new check. By that time different source told me that I have cashed the check what was not true ( someone else took it and cashed ). I sent the fraud form the bank branch and they claim that there is no form on file to process it. next time I was told there is a case but not assigned to anyone. case number was never given to me at no time. it ahs been 6 months and I have not gotten my money back
Product: Debt collection

On XX/XX/XXXX I noticed a new collection account had posted on my credit report and it was by a National Recovery Agency. The collection amount was for {$330.00} and it was said to have been opened/service sometime in XX/XX/XXXX. The collection first showed on my report in XX/XX/XXXX but was first reported in XX/XX/XXXX. I initially spoke with National Recovery Agency on that same day, XX/XX/XXXX. On that day I was told by a representative and a supervisor that the company could not tell me the nature of the debt. They also could not tell me what service I was supposed to have used during the said service period. I told NRA the debt was not mine for the simple fact that I NEVER had signed up for any of XXXX 's services. NRA could not give me any answers so they referred me to speak with the original creditor, XXXX. 
After spending over a half an hour on the phone with NRA, I called XXXX. Speaking with XXXX was worst because I spent over 4 hours speaking to a rep. in every single department within XXXX. XXXX had no recollection of me having service during the said period in XX/XX/XXXX. XXXX has an old account under the name XXXX XXXX but it was paid off, with a {$0.00} balance back in XX/XX/XXXX. Everyone I spoke to, in every single department refused to give me anything in writing. They also refused to tell their own hired company NRA to stop reporting me. 
I spoke to NRA again on XX/XX/XXXX and asked again for something in writing about this debt and again they refused.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit into my account with a check clear date of XX/XX/XXXX, on XX/XX/XXXX I was told my account was being closed without any reason. On XX/XX/XXXX I called the bank to see if my funds were available a representative confirmed the balance to be {$24000.00}. He told me he would put in a hardship claim for me to get my funds from inside the branch since my account was set to be closed and I needed my money, he told me it would take 5 business days to receive a response. Ive called everyday since then for an update with no updates, only answers Ive been given are very basic responses. Long behold today is XX/XX/XXXX and not only have I been told 4 different closure dates, initially being XX/XX/XXXX then after the hardship claim was entered I was told it sped up the closure process & it was set to close XX/XX/XXXX which it didnt. After making contact on XX/XX/XXXX I was told the closure date was set for XX/XX/XXXX then I made contact on XXXX which I was assured it would be closed on this date and only to be told its been extended to XX/XX/XXXX, l but also complete lies as far as having been told a cashier check is being mailed out via ups with a tracking number to be provided. Ive spoken to supervisors only to be told they have escalated it to a further department with no resolution or an exact date. They dont care because it isnt their money but this is unacceptable. My funds are being held without a reason and need to be released to me IMMEDIATELY. Once they decided to close my account without any reason other than it was a banking decision, I am supposed to be able to withdraw all my money out of the account. This should not take 3 or more weeks. I need a resolution in the form of MY FUNDS AVAILABLE INSIDE THE BRANCH OR AN EXPEDITED SHIPMENT OF MY FUNDS VIA CASHIER CHECK.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction of the following information that appears on my Experian, XXXX. I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. 

Experian and XXXX XXXX sent a response saying their verification came through XXXX ( attached copy ). When contacting XXXX their response was UNVERIFIABLE ( attached copy ). I have also attached letter from courts stating Experian or XXXX XXXX has never contacted them to verify information. 


The law is clear : If the CRA can not validate the information with the information furnisher, the CRA must remove said information from the credit file. According to the FCRA I have the right to an accurate consumer /credit report.