23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Applied XXXX XX/XX/2024 & only got this message We're reviewing your application for the XXXX  XXXX Visa Card from wells fargo under ref # XXXX. I had Applied for the XXXX XXXX Visacard! 
On XXXX XXXX called them & XXXX said they couldnt verify my cell phone number & needed to fax them drivers license & 2 forms of id with my address. Same was sent same day from XXXX XXXX XXXX XX/XX/2024 for a total of 5 pages plus verification fax number sent to under fax confirmation XXXX. 
XXXX XXXX received in mail yesterday a pre-approval to apply for a wells fargo visa card that is not the card I applied for. Called them at ( XXXX ) XXXX & talked to some girl who verified sent my proof of address to correct fax number on XX/XX/XXXX. She said they didnt have it and did NOT receive my fax! So I can not understand why got pre approved request to apply for visa card the day before I calked her??? She said I must resend proof. I am not fond of being jerked around. 
XXXX XXXX am sending the original documents plus again my drivers license, and real estate assessment, voters ID card & several other items with my address through my mobile cell XXXX. ( landline to home is XXXX ). I have also updated my cell information at XXXX XXXX. 
Told them I either want the original card applied for or an official letter of denial. Keep in mind my XXXX score remains within guidelines for said card. My credit is excellent to good. 
On XXXX XXXX received letter from Wells Fargo sent to my mailing address dated XXXX XX/XX/2024 stating that now they want me to go to a Wells Fargo Branch location to again provide ID. This is unreasonable as the nearest branch office is over 40 miles from my residence. I am nearly XXXX years & that puts an undue burden on me. Beginning to feel discriminated against regarding my age. 
Sent them a FAX today from my cell number XXXX to advise of same. Either grant or deny the original credit card as have already provided ample ID and do not need your card bad enough to drive 40 miles so they can look at my face as ample IdD has been sent on more that one occasion. 

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

My credit report has a bankruptcy that is currently inaccurate and on my credit file. I have it disputed with the credit bureau however it came back as verified. However, I do not know how this can be " verified '' since the Bankruptcy court does not report to the credit bureau as stated on their website. Also, a third party reporter named XXXX XXXX ( which Experian uses ) reports bankruptcies. However my credit file with that company is suppressed, and they do not report any information on me. 

Therefore, I am curious to know how Experian " verified '' my information with no source to verify it with? 

It is a violation of the FCRA ( Federal law ) to report inaccurate information and to continue to report unverifiable information. In this day an age when our elected officials in the highest government offices declare themselves above the law ; it is no wonder a large credit bureau like Experian continues to thumb its nose at the very laws that are supposed to govern it. 

That is not right, nor is it moral.
Product: Debt collection

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Product: Debt collection

I was involved in a car accident and was not at fault. The claim was filed with the other person 's insurance company. The insurance company never paid the claim and as a result I was held responsible for payment of the ambulance transport. The ambulance fee was sent to collections on my credit report. I paid the balance and it is still showing on my credit report as an unpaid and open collection.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was supposed to catch a XXXX from XXXX to XXXX to visit a friend. On my way to the XXXX pickup location, I picked the ticket for Saturday, XX/XX/XXXX. I bought the ticket en route to the pickup location. Once I arrived at the location and tried to board, I was informed the online system booked my ticket for the XXXX and not the XXXX. I called XXXX to try and fix the problem, and they refused to change the date of the ticket and they refused to allow me to board the bus I was currently waiting to board. Once they refused, I asked for a refund and they would not return the funds. Once they refused, I called American Express regarding my AmEX Serve Card charge the exact same day. I was told a dispute would be submitted on my behalf and to expect the funds back in my account in 7-10 days. 

The XXXX ticket didn't show on the charges but my account was short XXXX. On the XXXX, there was a new charge for the XXXX ticket. I never used the ticket. They wouldn't let me board the bus. I then called American Express. I was told a dispute was never filed and that one would be filed that day. I received an email in XXXX stating they would need a screenshot of the disputed transaction and additional information for the investigation. I received that email on XX/XX/XXXX. I replied with the information and received another email on XX/XX/XXXX saying the information was being reviewed and they would need up to 45 days to investigate. 
It is now the XXXX and I have not received anymore correspondence or additional information. Everytime I call I get a different answer about what exactly is going on and no one seems to know what they are talking about. 

According to Reg Z of the Lanham Act, a banking institution can take up to 45 days to investigate a chargeback dispute. However, if they do take the 45 days, they are required to provisionally provide the funds to the cardholder until the issue is resolved. American Express Serve did not follow the procedure, at all, and when I call to ask about their lack of compliance their Customer Service team seems to have no idea what the Lanham Act even is. 

I should not have this hard of a time recovering XXXX. I have no reason to lie. American Express is responsible for following the law and the Lanham Act was started to prevent issues like this. It took all of 2 minutes for XXXX to take the funds, and it has now been almost a month and I haven't gotten any of it back.
Product: Debt collection

Spring oak capital llc is reporting a balance due of {$4800.00} in collection with XXXX credit report .i dont know this company, and i do not have a signed contract with this company. Not validation letter was provided by spring oak capital llc to me. I already asked XXXX to delete this wrong information from my credit file, but they refused to do so. This is affecting my credit, and this should be removed from my credit file. Thank you Spring oak capital llc Acc # XXXX {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Va XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.
Product: Debt collection

I discovered the identity theft and notified XXXX XXXX XXXX on XXXX XXXX. After several months and contacts, I received a notice from XXXX that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector MRS BPO LLC that they are trying to collect {$200.00} on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. My request was sent via USPS Certified Mail, Receipt # XXXX and was delivered on Tue, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Drivers License, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card, which has no expiration date, for identity and address verification. 
Also included in my request for my credit report were copies of my previously submitted CFPB consumer complaints against TransUnion that document my consistent and continued attempts to obtain my credit report, which continue to be ignored and denied by TransUnion. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, XXXX XXXX, a collection XXXX. Please its hurting me.
Product: Checking or savings account

On XX/XX/h 2023 at about XXXXXXXX XXXX cash app sent me a text message XXXX has taken a payment of XXXX dollars out of my account. I had just got paid and looked on my transactions and the money was missing from my account but there is no transaction for this amount on my statement. It is a recharge from XX/XX/XXXX XXXX  I made and paid for on the second of XXXX. I called cash app they told me to talk to XXXX I called the XXXX branch of Michigan who gave me a XXXX XXXX number that they have received several calls on this matter. I called this number made a complaint and the man on the phone said I would be refunded sorry that the system was down that day of XX/XX/XXXX. I waited the twenty four hours like I was told to receive my refund back. I did not get it I called the XXXX company again. I got no answers called the next day was told they have no recharge on there end. And I was not getting refunded. I call cash app either got hung up on or told it was a charge that was a glitch in the system for XXXX that they never took the payment out for the purchase and it was taken out today to compensate for the order. I am angry getting no answers and told. I won't get my money back. That was rent. I would like my money back of {$730.00}. I will be getting a lawyer next if I do not get my money back.
Product: Credit reporting or other personal consumer reports

Unauthorized charges on my consumer report that should be removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized reporting of accounts on my credit profile, which has resulted in financial harm. I am deeply concerned about the violation of my consumer rights as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2. 

I have identified the following accounts that have been reported without my written permission : Account # 1 : XXXX or [ XXXX ] Account # 2 : XXXX or [ XXXX ] According to 15 USC 168162 , I have not provided written permission for XXXX XXXX XXXX to include any information pertaining to these accounts on my credit profile. Additionally, the FCRA mandates that furnishers of information to consumer reporting agencies, such as XXXX XXXX XXXX, have a duty to provide accurate information. Section 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the reporting of information with actual knowledge of errors.

The unauthorized reporting of these accounts has caused me significant financial harm, including : 1. Damage to my credit score, resulting in higher interest rates and decreased access to credit opportunities.

2. Costs associated with disputing inaccuracies on my credit report, including fees for credit monitoring services and legal assistance.

3. Loss of opportunities or benefits due to the negative impact on my credit history, such as being denied loans or employment opportunities.

In addition to financial harm, I am deeply distressed by the violation of my consumer rights and the impact it has had on my financial well-being. The unauthorized reporting has caused me considerable anxiety and stress, as well as frustration at the disregard for my privacy rights.

Furthermore, I have identified five violations on the reported accounts, including the failure to provide me with real proof of these accounts with a wet signature, as required by law.

As a result of these violations and the inaccuracies found on the reported accounts, I demand compensation of {$1000.00} per violation. Additionally, I insist that both accounts be removed from my credit profile immediately.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for their non-compliance with federal regulations. I also demand that XXXX XXXX XXXX cease all reporting activities related to my accounts Thank you for your prompt attention to this matter. I look forward to a resolution that upholds my consumer rights, ensures fair and accurate reporting practices, and addresses the financial harm I have suffered, including the compensation I have requested.
Product: Mortgage

For Calendar year XX/XX/XXXX, Wells Fargo issued me a XXXX in the amount of XXXX, while at the same time the above noted amount was never forgiven or removed from my mortgage principal balance. I have requested for Wells Fargo to explain and provide documentation for their actions. It has been approximately a year now and Wells Fargo has failed to give me or produce any documentation legally justifying their actions. It appears Wells Fargo is double dipping. Getting tax benefits by producing fraudulent documentation mortgage loan was given while at the same time, charging me the consumer the full principal amount of the loan. 

If there are any questio
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix the incorrect name on my credit report. I have already sent out copies of SSN card, W-2 form, driver 's license, passport etc. Each time I got different response : 1. first few times they told me to send copies of ssn card, driver 's license etc which are exactly the same documents I have sent out.

2. then I called them and operator told me that despite sending out the documents, I had to call them in person in order to fix the name. This was never mentioned in their result letter. The operator told me that it would be fixed this time. This happened within a month after sending out docs.

3. then my name was still not fixed after a long time. I called again. This time another operator told me that the result was " SSN card is for work only ''. I pointed out that despite of that I did send out W-2 as well. The operator admitted that W-2 can be used for SSN purpose as well and tole me it be good this time.

3. then my name was still not fixed after one month, this time a 3rd operator told me that my documents are too old that they could not use. It has to be within 60 days. She asked me to send the exactly same doc again. But she had no answer when I ask why did she think the same story wouldn't repeat after I send docs again. 

Each time each operator told me different contradicting information. The whole process is delayed and ruined by their mistake but all they want to do is to ask me to repeat exactly the same process with no fix.
Product: Debt collection

If my balance is XXXX Matrix charges a {$12.00} fee for maintenance. I will have to close the account out. I wish to close the account, but I do n't expect to get a negative credit report. It is unfair to charge money on a close account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX XXXX XXXX HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : ALLY FINANCIAL XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I hereby state that I did not receive my periodic statement for my XXXX XXXX XXXX XXXX account XXXX from XXXX XXXX XXXX XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date.

I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car fro m Mike Carlson Motor Company ( MCMC ) i n   XX/XX/XXXX   The loan for the car says 60 months. My credit report shows that the account with MCMC was closed and paid in full in  XX/XX/XXXX  This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named  XXXX . I asked who reports to the credit bureau and I was initially told by the general manager that  XXXX  does, but  MCMC  is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX  The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that MCMC does because they service my account and  XXXX  is just a lender. I have asked  MCMC  for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the  one  I was speaking to. I again asked for information on  XXXX  so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is  XXXX . MCMC has not reported to credit bureaus about my account since  XX/XX/XXXX . My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
Product: Checking or savings account

I had approximately XXXX in my account and charged {$75.00} at XXXX on my debit card linked to my personal checking account. Also XXXX, the lender that sometimes is helpful when purchasing larger items like cell phones, charged me {$99.00} bi-weekly rather than the expected monthly billing cycle- so this caused me to nearly overdraft my account- but on XX/XX/XXXX I had over {$100.00} in my account. However, I was charged three overdrafts for {$36.00} which led to me being negative {$4.00}. The next day an unexpected XXXX purchase ( {$140.00} ) - which shipped earlier than expected -came out for {$140.00} and then an additional overdraft fee was charged, in all fairness, possibly the only overdraft fee that could have been considered a fair amount to call for an overdraft fee. **I might have actually overdrafted once for the XXXX XXXX, which was unexpected - however, because my bank charged me three overdraft fees on XX/XX/XXXX when I would not have been overdrawn at all this/it caused me to get four total overdraft fees. 
Additionally, I was attempting to have {$1000.00} wired to my checking account that day from my XXXX XXXX investment account, and I was told by Truist Bank 's representative, who was offshore in XXXX, on the phone that it was an multiple day waiting period/international wire - no matter how many times I explained to her that I was wiring it from XXXX XXXX XXXX  in XXXX XXXX to Truist Bank in XXXX - and this caused an additional days delay or there would have been no overdrafts. 
For several years, there has been an element of international intrigue involved in these extraordinary renditions wielded upon me by my bank.