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

On XX/XX/2022 I had an appointment with a local Wells Fargo branch officer to discuss my grandmother 's accounts. I was with my mother, who was POA. I was alternate POA and am also an attorney. My grandmother had XXXX  XXXX and we were trying to make sure we understood what she had for accounts and how they were titled, so we would know what would need to be done upon her passing. We were advised her IRA was " closed '' and had been rolled into a Retirement CD. We knew the IRA had designated beneficiaries but we were told those were no longer applicable and that the CD had no designated beneficiaries. We asked for paperwork so that the account holder, who was still of sound mind, could designate beneficiaries. We were told the branch doesn't have that paperwork and we'd need to call the IRA department to get that paperwork. We were told that the only way to get the CD after death without new beneficiaries would be either an estate or a 40-day death affidavit. After leaving the branch I called the IRA department we were instructed to call and was told they would not send out new beneficiary paperwork but we could get it from the branch. I explained that the branch just said the opposite and the man insisted he would not send out any new paperwork. 
My grandmother passed away in XXXX and death notification was uploaded via Wells Fargo 's website on XX/XX/XXXX. After 40 days I submitted the 40 day death affidavit. At that time, my mother and my aunt received beneficiary paperwork in the mail, which indicated the original IRA was the account that was open and they were the designated beneficiaries of that IRA. 
Nobody at Wells Fargo seems to have an explanation as to why we were told that IRA was closed and there were no designated beneficiaries, and nobody seems to have an explanation as to why the beneficiary paperwork was not sent in XXXX after death notification was provided to Wells Fargo, but instead we had to submit an unnecessary 40 day death affidavit. The representative that I spoke with today from the XXXX XXXX XXXX, XXXX, was rude and said someone must have " dropped the ball '' but it's no big deal because it's being taken care of now. 
Wells Fargo is a perpetually difficult financial institution to deal with when it comes to estates and accessing assets of deceased individuals. This is just one glaring instance of being provided incorrect information and then being required to submit unnecessary paperwork because nobody there seems to ever know what is going on. Their " what's the big deal '' attitude is incomprehensible. The account would have been distributed differently if being distributed according to the 40 day death affidavit vs. the designated beneficiaries. We now have to inform some family members that they are not going to be receiving a part of this account, after they were told we needed their information to provide with the 40 day death affidavit. The amount of time I have wasted dealing with their error is frustrating as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Debt collection

This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it XX/XX/XXXX and then XX/XX/XXXX saying it was " reported '' so they " re-aged '' it to show as if it's new. It states on my account that its " not disputed '' but I've been disputing it monthly for the past few months.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXX XXXX
Product: Debt collection

Received a letter from XXXX XXXX XXXX  stating that I owed {$330.00} to them. I called and asked where the debt came from and they said a company called PayPal. I have never used PayPal for anything. They said the transaction happened in XXXX of 2020. Once again, I never have used PayPal for any transaction.
Product: Credit reporting or other personal consumer reports

I filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in 2018. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian
Product: Credit card

I had multiple accounts compromised. I first noticed fraudulent charges on my credit card on XX/XX/year>. I then found that my XXXX  email account, XXXX account, XXXX account, and other accounts had also been compromised. I have been taking steps to dispute, close, or otherwise freeze those accounts. The perpetrator of the fraud is continuing to attempt to login to these accounts and open credit cards using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have tried to resolve this matter with GM Financial since XX/XX/XXXX with no follow up calls to me or any further action taken on their end. They are not reporting my auto history to the credit bureau. I have had an account since XX/XX/XXXX and can not refinance when the vehicle payment history is not being reported to the credit bureau.
Product: Vehicle loan or lease

On XX/XX/2020 I contacted Nissan Finance to buyout my lease. They told me I had to contact that dealership. I contacted them the same day, the Finance Manager told me to come in later in the week. I went in on XX/XX/XXXX to discover that my account was blocked and they couldn't " ground '' the vehicle into their dealership. I called Nissan Finance 12 times in the course of this and left messages with supervisors and nobody would call me back. Finally I heard back on XX/XX/XXXX that they got it " grounded '' and to come in and sign the paperwork. I went in and they told me I owe {$10000.00} to buy out the vehicle. This number is incorrect because on top of the lease payments I made and in the course of the lease term I made an extra {$14000.00}, so that when my lease was up I would have it paid off. I showed the Asst Sales Manager my Payment History on my account at Nissan Finance after I logged in and showed him. He agreed it should be paid off and the {$10000.00} was not the correct amount. He then made more phone calls to which nobody has been a help. Now here it is, XX/XX/XXXX and I'm still not able to receive my title from Nissan because they didn't apply all my payments to my account accurately at the time it was blocked ( for whatever reason. Still not sure why it was ever blocked ). Since I don't have my title to my car I'm unable to get the South Dakota license plates to the state that I moved to a few months ago. XXXX County Treasurer wants a copy of the title before I can get my SD Plates, and since Nissan has no idea what they are doing I'm unable to get my Title. I called Nissan Finance again today and left messages and nobody calls me back. I've emailed Nissan and nobody returns my emails. Customer Service is unable to help me and tell me it needs to be escalated to a supervisor and they drop me to the supervisor 's voicemail.
Product: Debt collection

I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the account 's information being reorted on my credit report were incorrect when I reviewed it. the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I recently sold a pair of XXXX Sneakers to a buyer located in MI on XX/XX/XXXX for a total of $XXXX  through the website XXXX, Payments were sent through the company PayPal. After both companies took their share of the sale I was left to get paid a sum of $XXXX to my PayPal account where I would be able to transfer the money to a bank account to retrieve it. PayPal has a policy that the company holds all payments until 24 hours after they can confirm items delivery, meaning since my item was delivered XX/XX/XXXX at XXXX I should be able to access the fundsXX/XX/XXXXat the same time but this was not the case. I then contacted PayPal & was able to get to speak to a manager named XXXX where she was able to release my funds from a hold they had over the money. I then tried to transfer the funds to a bank account linked to my PayPal account but the company did not accommodate a instant transaction as which was selected & my money was placed back on a hold for no reason for 72 hours as a employee told me over the phone, I then was able to reach another manager named XXXX where he mentioned It was a system glitch & I would be able to get my money out at a local XXXX. I then drove to XXXX only to get told by a customer service representative that I could not receive my money & that it was on PayPals end why I could not. I then called PayPal to explain the matter to where I was being hung up on over & over when trying to reach another supervisor. Eventually I was able to reach another supervisor by the name of XXXX, where he gave me the run around saying my account was limited & that it raised suspicion to their security system to which he replied if I sent them a picture of my Identification I would be able to get my account back in good standing to get my money. I did everything I was told & sent him the picture to where he said he would personally lift the hold on my account & I would be able to go to XXXX to access my money since he suggested he wouldn’t try a bank transfer. I then attempted to take money out at XXXX   but still the same issue arises. I am now left with no options seeing as though I am unable to get anyone from the company employees/supervisors that can tell me why I am unable to receive MY money. I now just have a account that says I have money their I can use when in actuality I am unable to do anything with it. After searching this very matter online I seen so many other complaints with the same matter to where I think now the company is committing fraud & holding peoples money doing whoever knows with it. This is a disgrace & highly unacceptable.
Product: Payday loan, title loan, or personal loan

I signed a promissory note in XXXX of XXXX, taking out a small {$3000.00} loan. I didnt understand what I was getting myself into, as no loan officer spoke with me. I am being charged XXXX  % in interest. Finance charge of {$15000.00}, and again, no one explained to me this was the cost of credit. I signed a promissory note with no guidance from a loan officer and now the debt is in collections and hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX ( Collecting for XXXX XXXXXXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX of first attachment and XXXX XXXX XXXX of dismissal from court
Product: Credit reporting or other personal consumer reports

I have contacted Wells Fargo that my address have changed they continue to bill my old address which I wasnt able to keep up with the payments because I did not have documentation notify me that the payment was due and I was not aware that there was a balance on the account and I had asked that they send me that information so that I can continue to make payments to my knowledge this account went Past due clothes and is a negative reporting on my credit report when I found out that I had this I contacted Wells Fargo directly and use my credit card to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and XXXX has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

Grain technology violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) I was notified in writing within 5 business days. This account is in violation XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX- Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
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 confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, US DEPT ED # XXXX, US DEPT ED # 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 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, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax, XXXX  and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX a Dispute With XXXX an XXXX, also complaint with CFPB an company responded with ( IRREFUTABLE ) information that was consistant with what i stated an account still wasnt removed. I high lighted there reponse proving balance Different amounts I have Requested copy or the original agreements that created the original debt that includes all signature of all parties. Also I requested proof of chain of ownership the includes proof of assignment that include change of ownership must be from that original creditor to the current owner without breaking chain. Also include a full accounting history from the original creditor including the date an amount of each payment, date of each delinquency leading to the collection status .If any interest of fees have accrued or been added onto the balance. Please send ( Proof ) that such fees are lawful and agreed upon in the original purchase. Proof that you are legally allowed to collect in the State of Alabama including your XXXX  party XXXX XXXX  XXXX. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of original notice an any letter tracking your firm maintains FTC vs XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumers rights.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.