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

My sister and I opened up an Estate Account at Wells Fargo in XX/XX/2019 after the death of our mother. After weeks have gone by and we have deposited several checks into that account, Wells Fargo contacted me and told me that an error had shown up on the account and I would have to close the account. Turns out the account should have never been opened because there are two executors. Upon opening the account, I provided Letters of Testamentary showing my sister and I as co-executors and the account was opened. 
When I took their advice and closed the account, they issued a check payable to the Estate of my mother. We have been to several banks in the area and they will not open an Estate account with two executors. We decided to take the check back to Wells Fargo and have them cash it and we would open a joint checking account at XXXX XXXX XXXX and deposit the cash. 
I was told at Wells Fargo today that since the estate account no longer exists that they can not and will not honor the check that they issued to me. They told me to get an attorney in order to get our money. The other advice they gave was to go to the Clerk of Court in XXXX, NC and have the paperwork changed in order to get our money, or file an affidavit. They want me to take a day off work , drive 3 hours away and fix their mistake. With that said, Wells Fargo issued us a check that we can not cash and they will not honor. 
Please help us if possible. This seems illegal to me. They made an error and are trying to withhold our funds.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Venmo was supposed to purchase {$47.00} in etherium as my monthly credit card spend reward. The transaction bounced, Venmo told me it's bc of me, although it is their rewards system. I reached out three times, nobody there seems to be capable of reading / digesting / comprehending what I'm saying, it feels like they're deliberately cheating me out of my earned rewards. This is malice, with intent.
Product: Debt collection

We had a XXXX XXXX XXXX on our rental for years. We used the service a few times and any expenses or monthly costs were automatically paid by a valid credit card on file. Services had not been used in the last year and no notification of outstanding debt was ever sent. 

After we did much work to our rental, we decided this home warranty policy was no longer needed. 

XX/XX/XXXX - I went to the vendors website per their annual renewal notification and put in writing ( via their email contact system ) that I no longer need the policy, no errors were given but a confirmation was not also received. 

XX/XX/XXXX - I called the company via their Customer Service and asked them if they processed my cancellation that was due to renew on XXXX. I spoke with XXXX XXXX and he checked everything and saw a service fee of {$75.00} that he checked our history and no work had been performed that would warrant an outstanding fee and was unable to reference it to anything. He went to clear the charge and then it changed to a cancellation fee on the description. He was unable to clear the charge and said he never saw that happen before. He told me he would be sending the issue to someone internally for he did not have the ability to override the charge. 

XX/XX/XXXX - I received a confirmation that my XXXX XXXX policy was in fact cancelled as of XX/XX/XXXX ( day of autorenewal ) via email, even though we spoke on the phone XX/XX/XXXX about unsuccessfully trying to cancel it prior. I responded and overviewed my conversation with XXXX. 

XX/XX/XXXX - Received a debt collector notice from Nationwide credit Inc. basically trying to collect. I was out of the country and literally returned the day after they said I had to respond ( XX/XX/XXXX ). 

I have not contacted either company since this is well documented and they just need to fix their system to reverse the bogus cancellation charge. Please contact me directly if you would like to get copies of anything I have collected. I have read other complaints on how this company preys on older people and makes cancelling their services impossible.
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 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : 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 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 or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that Equifax, XXXX XXXX and XXXX. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX loan information. 

PROOF OF POSTAGE - XXXX ( equifax ), XXXX - XXXX, XXXX- XXXX.
Product: Credit reporting or other personal consumer reports

Recently I've mailed multiple dispute letters to Equifax regarding an account which is reporting inaccurately. In the previous dispute letters I asked them to ensure that this account is reporting accurate information and to to remove anything that isn't accurate. They responded that this account is accurate but still even after multiple investigations I can prove that there are multiple inaccuracies reporting which is against 15 U.S. Code 1681i - Procedure in case of disputed accuracy, section ( 5 ) Treatment of inaccurate or unverifiable information. I am aware that it is the credit reporting agency 's duty to do what's fair and equitable for me as a consumer in which I believe I wasn't given a fair investigation. If Equifax responded that this information is accurate, how are there still multiple inaccuracies and violations reporting? Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions, subsection ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am aware that certain information is not included in a consumer report by definition which Equifax violated. They failed to properly investigate this account in which it reports totally different information than what the other credit reporting agencies are reporting. How can an account report 30 days late, then closed, 30 days late, then closed? The account number is completely different from what the other credit reporting agencies are reporting. I acknowledge that I have a right to privacy and in order for any account to be reported to my consumer report I must be given the right to opt out from this information being reported in which I never was never made aware of this from the creditor reporting this account. I would like to flex my option to opt out of this information being reported on my consumer report in which Equifax must abide by. By Equifax still reporting inaccurate information even after multiple attempts to investigate this account, my credit score is negatively impacted for their mistakes. Included in this complaint is a copy of my dispute letter and Equifax consumer report of the account with inaccurate information in which I believe is inaccurate. Attached to this complaint is a copy of this account that report to all 3 agencies which is reporting different information. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been leasing cars from XXXX XXXX for the last ten years. I have never had any plate payments. Last XX/XX/2018, XXXX XXXX inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called XXXX XXXX to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to XXXX XXXX explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!
Product: Credit reporting or other personal consumer reports

I TOOK THE LOAN FROM THE CREDIT UNION IN XXXX  OVER XXXX AGO AND THEY AUTOMATIC ADD REPAYMENT INSURANCE ON IT SO WHEN I STARTED PAYING THE LOAN I FELL SICK AND CAN NOT GOING TO WORK SO MY INCOME STOPS AND I CONTACT THEM ABOUT THE SITUATION AND I WANT THE INSURANCE TO CONTINUE THE PAYMENT AND THE COMPANY SAID THE INSURANCE CAN NOT PAY AND I TOLD THEM THE PURPOSE OF THIS INSURANCE IS WHEN THINGS LIKE THESE HAPPENING THEN IT TOOK OVER AND THEY SAID NO SO I CALLED THE INSURANCE COMPANY ABOUT IT AND THEY MADE XXXX WAYS CALL BETWEEN ME AND CREDIT UNION AND THE INSURANCE COMPANY SAID I AM RIGHT SO THE CREDIT UNION SHOULD LEAVE ME ALONE AND CONTINUE WHERE I STOP AND WE ALL AGREE SO XXXX LATER THE CREDIT UNION CALL ME AND SAID THEY ARE GOING TO REFUND ALL THE PAYMENT I MADE FOR THE INSURANCE COVERAGE AND REPORT ME TO THE CREDIT BERAU WHICH THEY DID AND I TRY TO DISPUTE IT AND IT ALWAYS COME BACK AND IS STILL SITTING ON MY PROFILE FOR ALL THE CREDIT REPORT AGENCY LIKE XXXX XXXX EQUIFAX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, XXXX  & XXXX  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.
Product: Debt collection

Around XXXX of 2018 I disputed a debt that was reporting on my credit files by a collection agency called XXXX XXXX. The debt was fraudulent and was removed XX/XX/2018. 

A new collection agency called Diversified Consultants is now reporting the same debt that I had removed due to fraud. Diversified Consultants is attempting to collect on a debt that was demmed fraudulent. This company is attempting to collect on fraudulent debts that they clearly do NOT own and can not validate.
Product: Mortgage

Freedom Mortgage using the law firm XXXX XXXX XXXX XXXX filed an illegal foreclosure on my home at XXXX XXXX XXXX, XXXX XXXX NJ XXXX while being protected by the VA moratorium. I received from XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ final foreclosure XXXX  XX/XX/XXXX on XX/XX/XXXX. I am a Veteran with a VA XXXX rating of 30 % with 2 items pending and a 100 % XXXX rating from XXXX XXXX. I contacted both Freedom and XXXX to advise them that they filed an illegal foreclosure on my home. This mortgage is VAbacked and is protected from foreclosure under VA XXXX XXXXXXXX  dated XX/XX/XXXX. I urge Freedom via phone on XX/XX/XXXX and email on XX/XX/XXXX to take immediate action to ensure XXXXXXXX XXXX XXXX submit an immediate order to vacate the illegal foreclosure documents with the XXXX XXXX NJ XXXX XXXX. I expressed to both parties that the severity of this situation can not be overstated, and steps must be taken promptly to protect my constitutional rights and property. As of today Freedom or XXXX XXXX XXXX have not responded. I am begging for your help to protect my home. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Product: Debt collection

I called and they immediately asked for me and gave out last 4 ssn #. Before even verifying who was calling in. I never identified myself, i advised she just released personal information with out verifying who was even on the phone. She said that she is not breaking any laws giving out the last 4 ssn, ) now i called into the company, from a previous call that i had been hung up on when I refused to id self and asked what company he is from, he said wrong # and hung up. ) When i told her it is not okay to give last 4 of anyones ssn and name before even knowing who is on the phone. I asked for a manager, she refused, multiple times, kept cutting me off, finally put me on hold, came back said manager was busy, she could give me his voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 1 address that are not correct and 3 accounts with wrong information and dates and amounts that are wrong
Product: Debt collection

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

Navient has been an absolute horrific business with deceptive business practices and customer service representatives who are tactfully trained to put students and borrowers into more and more debt. I originally obtained a loan from Sallie Mae ( who later transferred my loan to Navient ) to pay for my education in XXXX. Since then, though I've made many, MANY payments on time, there were times where I struggled and couldn't make my payment. Everytime I called, they regularly and routinely " forced '' me into forbearance and made it an effort to say that this was a great solution to my problem. XXXX did I know- the interest continued to mount and XXXX and though I borrowed {$7000.00} in XXXX, I'm STILL making payments in XXXX ( almost 10 YEARS later ). I know there was a lawsuit with Navient where they should be forgiving private debt and I've met the criteria. However, the representative I spoke with indicated they're waiting for a letter ... What letter could you possibly be waiting for? I meet the eligibility and you admittedly engaged in deceptive practices. I was XXXX or XXXX when I first took this loan. I'm almost XXXX and still paying ( and have already paid WELL over the XXXX originally borrowed ). The representative ended the call by reminding my my next payment was due on the XXXX. What the XXXX? Seriously?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and an insurance account opened at XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports within 4 days and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned collections and hard inquiries are the result of identity theft and fraud.