23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This complaint is identical to XXXX previous complaints. In every case in these XXXX complaints, Wells Fargo has attempted to resolve the complaint by providing false information to both the CFPB and to me : - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) In summary, the complaint is that I can not transfer funds from my Wells Fargo bank account to a bank in the XXXX. Wells Fargo have claimed in the XXXX previous complaints that transfers are possible using Wells Fargo online. On XXXX 2016 I spoke to XXXX ( Online Banking, XXXX XXXX ) who confirmed that at that time, international transfers were NOT IMPLEMENTED on the web site, but that the web site was due to be updated on XXXX 2016. This claim has proved to be false. Today, it is still impossible to transfer funds using the Wells Fargo web site. Today 's excuse is that a customer needs a US-based cell phone in order to receive a text message during the transaction. I am resident in XXXX, and do not have a XXXX cell phone, and also can not even purchase such a contract. BOTTOM LINE : Wells Fargo is still holding my funds to ransom, even after XXXX complaints and XXXX incorrect Wells Fargo responses to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are not mine. Please remove them.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXXnformation Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

ACCOUNT/LOAN NUMBER : XXXX XX/XX/XXXX : Completed refinance with XXXX XXXX sold my mortgage to XXXX. 
XX/XX/XXXX : XXXX XXXX sold my mortgage, DBA as Nationstar. 
XX/XX/XXXX : Escrow change increased to {$3000.00} ( no explanation from Mr. Cooper ). 
XX/XX/XXXX : Escrow adjustment increased to {$3000.00} ( Again no explanation ). 
XX/XX/XXXX : I set up Autopayment through Checking account in XXXX of {$1300.00} ( actual monthly payment {$1300.00} ), effective About XX/XX/XXXX - I got alert from Crdit Bureau companies, initially XXXX and my bank and XXXX ( since I set up fraud alert ) of change in my credit. I login into these accounts only to discover that it is from mrcooper, my mortgage company. 
XX/XX/XXXX : I contacted mrcooper. Initially, was told of escrow adjustment " that XXXX did not transfer correct amount, and the crease is due to that adjustment. Further inquire, was for me to contact their dispute office via emailing for late fee charges. I made double payment in XXXX and XXXX through direct payment. 
XX/XX/XXXX : I wrote to XXXX to dispute the late fee and issues of escrow increase due to XXXX allegedly late transfer of my mortgage more than 10 months. 
XXXX XXXX : I received a letter that mrcooper can not waive the late changes because of late paymnet of XX/XX/XXXX. I verified with XXXX of any insufficient fund in my account, which was different from what I was told on the phone. 
XXXX XXXX : i further reached out to mrcooper, this time, I was told of due to escrow adjustment, there is increase, and mrcooper pro-rated escrow and I was advised to reach out to my county Assessor office. I called them, and I was told that my home annual assessment comes in XX/XX/XXXX. Could dis be deception or gimmick from mrcooper mortgage. 
Resolution # ( without taking responsibility ) : XXXX ; XXXX, XXXX XX/XX/XXXX : I filled for removal of the negative credit report since mrcooper, and its agent failed to furnish me any information of notice before negative information is reported and failed to furnish information notice information after information is reported. XXXX XXXX, they sent me letter that they will not remove the negative report since it is they responsibility to report of no mortgage payment was received. Yet, I told them that they are autopayment, and they have not furnished me adequate and convincing information.
Product: Credit reporting or other personal consumer reports

I am requesting a re-investigation of my consumer report using the following : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. Thank you for your immediate attention to this matter.
Product: Credit reporting

I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
Product: Credit reporting or other personal consumer reports

Re : Request for Validation of Debt To Whom It May Concern, I am writing to formally request the removal of inaccurate information currently reported by your company on my credit report. Upon reviewing my credit file, I noticed an entry related to an alleged debt that I do not recognize, nor have I entered into any agreement with your organization.

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request validation of the debt in question. Specifically, I would like to receive documentation that includes my signature on any contract or agreement that I purportedly entered into with your company. The entry in question is adversely affecting my creditworthiness and reputation.

Under the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and verifiable. Therefore, I am requesting a re-investigation of the following account Additionally, I would appreciate it if you could provide details regarding your method of verification as required by the FCRA. This documentation should include the original application, contract, or any other relevant instrument bearing my signature.

Should you be unable to provide the requested validation within thirty ( 30 ) days, I kindly ask that the disputed item be removed from my credit report promptly.

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

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/year> - Unauthorized transfer of {$28000.00} from my savings account to my checking account. This transfer allowed the perpetrator to make charges against my checking account. Perpetrator was then allowed to pay debts at another bank, over the phone. 

Initially, the perpetrator called the bank 's XXXX customer service and had the funds transferred. I was not contacted in person ( over the phone or any other XXXX step verification ) to verify the transfer was authorized, which is especially troubling as the amounts transferred were large.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like you to remove the late payment from this account ASAP : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I was told that an underwriter was deciding my case and I waited 7 days to hear an answer and on the last day I got two different answers one was they were still deciding and a minute later I was told Oasis do not deal with product liability cases in Louisiana but their advertisement says something different and I'm waiting for my lawyers to answer on what Oasis told them
Product: Checking or savings account

I do not dispute the fees charged me are allowed by contract. I complain that the fees are excessive. The bank offered a refund ; I am not worried about my XXXX. I am concerned about those who are crippled by these fees. 

On XX/XX/23 I used a XXXX XXXX XXXX to access my BMO XXXX account to : XXXX ) inquire about my balance XXXX ) withdraw XXXX from my account. 

I was charged : XXXX from XXXX for the inquiry, XXXX by BMO for the inquiry, XXXX by XXXX for the withdrawl. ( I was expecting this. ) XXXX by BMO for the withdrawal for a total of XXXX. 

For sake of documentation, I videotaped the same sequence while withdrawing XXXX. XXXX on XXXX is XXXX %. The XXXX charged by BMO is XXXX % of the XXXX I got from the XXXX. This is too much especially for a low income person who typically will be withdrawing smaller amounts of cash. 

XXXX replace tellers at XXXX XXXX XXXX branch banks. They save banks money. They are convenient but they also have negative social consequences. Banks should not be charging us to use XXXX while replacing workers and emptying storefronts. I should be able to see my balance and to withdraw funds for free as it had been and still is in the XXXX branches. 

The banks are part of the down escalator for low income persons and up escalator for the shrinking middle. I will now shop for a new bank that will pay me XXXX to open an account and cash back on purchases. 

Banks no longer serve a useful purpose. Their functions should be taken over by XXXX and all Americans given a fee free bank account.
Product: Payday loan, title loan, personal loan, or advance loan

I made the decision to install solar on my home. XXXX XXXX did the install and were the processor of the application as well as the documents relating to the loan. Apart of the loan is the ability to apply the XXXX XXXX XXXX to the loan with in an appropriate period of time relating to the completion of the project. The installer and financial institution have the incorrect dates with the finished install as well do not want to abide by what their contract states as completed. This lack of proper processing and factual information not only cause the installer to be paid before they job was complete. I was required to start paying for the loan before I should have, I also am being denied my ability to have my re amortization of the loan as is in my contract.
Product: Payday loan, title loan, or personal loan

I was approved for the loan and signed all the agreements, I forwarded all the documentations that were requested and was verified. I chatted with the agents on the phone and had submitted the call needed and sent in my bank statement, I received a decline to due : Application is incomplete - Bank account has not been verified I tried to rectify the issue on having my bank account verified and have been unable to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Transunion XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

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

In accordance with the Fair Credit Reporting Act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 XXXX XXXX XXXX XXXX Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 XXXX XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit
Product: Credit card or prepaid card

I applied for and received a Care Credit charge card app 4 years ago. It allows up to 2 years promotional balance with no interest fee if paid off by end date. It is ( was ) specific to medically related charges only. I did get a renewal card again app 2 years ago and renewing was no issue The process to renew this card was simply sign the back of the new card and call the 800 number to activate. 
Several months ago I received a notice with a new card that told me to sign the back and activate as usual. I did so, thinking it was time for renewal again. There was the usual multi-page document enclosed which I BRIEFLY looked at and put aside. It said Care Credit on it so I followed their instructions. 
When I was about to throw out the paperwork, I noticed something unusual. It was a notice on the very back that said once you signed up for this, you could not change anything. As i panicked and read further, I saw that it was now a XXXX XXXX Care Credit card and no longer offered the promotional balance as with the original Care Credit Card. 
I immediately called the customer service number and was told since it had just been a matter of minutes, they would switch me back as I was such a valued customer. 
This never happened. They told me they would re-open the original type card with a new account number which would take about a week. After two weeks I called to report I hadnt received my card and they said they were unable to reverse the error. I now was stuck with a XXXX I did not ask for or want with a revolving account. A totally different kind of card than the original Care Credit. 
Both cards are identical other than the small double orange circle in the lower left. I never even noticed the symbol as I was used to the general appearance of my original Care Credit cards which is almost identical to this one And the bills also look identical. It doesnt even noticeably say XXXX anywhere on it. 
I believe this is so deceptive of both companies. I dont even understand how they can combine like that. The address for the bill is the same. Theres no particular caveat when you open the envelope ; its still the same look as with the original card.. I tried cancelling it but I have the promotional balanced still to pay. And they will not let me open another Care Credit that IS NOT a revolving card. 
These cards are 2 completely different animals providing a totally different type of service. It seems just another a bait and switch scam, Thank you for your attention.
Product: Debt collection

This is the first I 've heard from Amsher Collection Serv, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : I have never owed Amsher Collection Service any money. When I inquired about this trade they stated that it was from a XXXX account that I owed which was already satisfied XXXX. So I off course this was a Scam and Reported this to the XXXX of California and the Federal Trade Commission. This debt does not belong to me and I never signed any agreement or did business with Amsher Collection Service. 
Amsher Collection Service is also report inaccurate amounts on another XXXX which is also in violations of the FDCPA
Product: Debt collection

Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They are collecting a debt of {$880.00} for a XXXX XXXX account I never opened. Account number : XXXX. 
I have an ex girlfriend from XXXX  that has my social security number and she has been using my SSN to open accounts under my name. 
Her name is XXXX XXXX and had alias XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX She has other aliases too! 
She has been using the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and others to contact me to give her money. Emails she uses to contact me XXXX, XXXX, XXXX, XXXX Addresses she uses to setup services using my SSN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per XXXX XXXX, I formally request their removal within XXXX  days. Relevant documents are provided for your reference.
Product: Credit card or prepaid card

CEASE AND DESIST XXXX 's closed my open ended consumer line of credit on XX/XX/2022. This is considered aggravated adverse action and identity theft according to 15 USC 1691 ( d ) ( 6 ) and 18 USC 1028a. XXXX 's did not have my authorization to close my credit card, that was extension of my social security number 15 USC 1602L. I will be filing complaints to the FTC and reporting this fraud. 
I verify myself through the cfpb and let them know further communication will be sent through the cfpb and your reason or purpose of complaint is because youre being denied your consumer file pursuant to 15 usc 1681g.