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

I am unable to close my acount with Wells Fargo, because I was not allowed by XXXX and Wells Fargo, It is a legal document that clearly states, that the above case number is allowed to be opened by XXXX XXXX Case Administrator. This person was last identified as being in New York, by the XXXX. I wrote a letter confirming all identification and my case #. No response from this man. XXXX XXXX XXXX XXXX has not responded to my assigned case. XXXX XXXX is ( XXXX ) XXXX. This number is not in service. Why? 
XXXX XXXX does not accept emails to this person. 

This person 's where abouts the CFPB should investigate. 


Why Wells Fargo do you consider this arbitration program fair and legal abiding by the XXXX orders in the XXXX, which I was one of the numerous violated parties. 

I am insulted that Wells Fargo doesnt know my address!!! I have provided my marriage certificate 2 times to the manager at the XXXX XXXX Wells Fargo Bank in XXXX XXXX 
The manager fowared these legal documents to the Executive Office. It is your responsiblity and accountability to have provided these legal Arizona documents into a secure site filed under my name, I didn't have your problem and will not accept the individual XXXX XXXX 's lies that I had the problem. Also, Wells Fargo Executive Office had these documents to provide to the SETTLEMENT ADMINISTRATOR ( NO NAME )?? 
at XXXX XXXX  XXXX XXXX MN. XXXX. 

It is unfortunate that my address was established XX/XX/XXXX, XXXX by the US Postal Service to be what I have provided to all government agencies. My phone number remains the same for years. My email has remained the same for years. 

I feel the CFPB should be informed that as of XX/XX/2022 I was questioned by a person who answers legal calls for the Wells Fargo Office XXXX and hopefully forwards all intake calls from individual clients that have been involved by their illegal activity. 
I was questioned numerous times did I ever reside in XXXX? Did I open accounts for people under my name in XXXX? NO! I did not and would not open accounts illegally for anyone. 

Please be aware this is happening to me on this date XX/XX/2022. 

WHY IS SOMEONE ASKING ME THESE QUESTIONS? WELLS FARGO NEEDS TO ADDRESS THESE UNWANTED ISSUES. 

JUST RECEIVED A CALL FROM XXXX New York. 

EXPLAIN WHY I AM STILL INVOLVED WITH QUESTIONS OF ILLEGAL ACTIVITY? 

XXXX XXXX generated a letter XX/XX/2022 and proved he was incabable of any settlement and was not part of any type of remediation to end this illegal ongoing activity. This activity needs continual supervision by the CFPB. Their illegal activity continues! This is harrassment of my life on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. Transunion refused to correct it, they told me to contact XXXX XXXX because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

Re : Urgent Dispute of Unauthorized Reporting Under 15 U.S. Code 1681b Dear [ Furnisher ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account XXXX XXXX XXXXXXXX I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. 

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature.
Product: Debt collection

XXXX XXXX AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.
Product: Student loan

My student loan servicer platform was recently switched, from MOHELA to what appears to also be a MOHELA platform. On my old servicer platform, I had deliberately set up my auto-payments to not advance the due date, and instead apply any overpayments to the principal. 

I also recently paid off one of my remaining loans. 

When I logged into my MOHELA account today, I had an " alert '' per the attached screenshot, indicating that " Your auto-payments will no longer be treated as overpayments. '' I can not tell when this change occurred. It does not appear to be reflected on any statement or notice I have received. So far as I can tell, MOHELA unilaterally and without prior notice decided to change the terms of my autopayment to my financial detriment. 

I tried calling MOHELA customer service, and the automated menu just redirects you to the beginning of the menu when you ask to speak to a customer service representative.
Product: Checking or savings account

I received a XXXX from a customer. I sent the money back via XXXX and the customer never received the XXXX. Wells Fargo then pulled the funds out of my account and gave to customer. The XXXX I had sent they said was never found. I filed a police report as well.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX ) This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Childs support shouldn't be on my credit/consumer report XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. 15 U.S Code 1667a - Consumer lease Disclosure XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Student loan

XX/XX/2019 Dear Sir or Madam : On XX/XX/2019 I paid my private student loan in full to : American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX Account # XXXX and received a confirmation letter : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS FOR YOUR INFORMATION ONLY. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX XXXX to XXXX XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | Why We Are Contacting You Congratulations! The loans listed on the reverse side of this letter are paid in full. This notice does not pertain to other loans we may be servicing for you. 
What This Means To You No further payments are required on the loans listed as paid in full. We appreciate your business and wish you success with your future endeavors. 

I did receive a refund cheque for overpayment. 

However when I log into my account there is a current balance of XXXX with an interest rate of 4.87 %. 

I sent a letter by courier requesting the account be closed. To date this has not been done.
Product: Debt collection

Closed account should not be on my credit report please delete In XXXX days
Product: Credit reporting or other personal consumer reports

The original creditor reported this account late 30 days In XX/XX/XXXX this account should be removed from my credit file per the debt collection act seven year rule on XX/XX/XXXX. XXXX has different dates for all 3 credit agencies for when this account to be removed. They do not have a complete file of my credit file. They made up the first date of this account being late. 
Secondly I requested a statement on my behalf was to be added to my credit file and every company that received my credit file should receive an updated version. I called several companies that inquired about my credit previously and I asked if their company received an updated version. Each company I contacted adamantly responded no. Either remove these inquiries for the pasr two years or send them updated versions of my credit file per the Fair debt collections act. These companies should be allowed to hear my version of this debt to make a fair decision on my behalf.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to Black 's Law Dictionary, 6th Edition, 1990, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Debt collection

I rented a car from XXXX XXXX car company in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the car company stating that I had received a speeding ticket by photograph and that I would need to pay XXXX {$530.00} to pay the ticket. I contacted DC to try to gather more information to dispute this ticket, as I had been advised that speeding tickets may be contested ( and are frequently incorrect in DC ). I also notified XXXX that I was disputing the ticket. 

While I was waiting for a result from DC, I then received a second notice from XXXX on XX/XX/XXXX, whereupon I immediately sent a check out for {$530.00} payment to clear up the issue. This is notice XXXX. On XX/XX/XXXX, my check was cashed by XXXX. On XX/XX/XXXX, I received a notice of collections from Transworld Systems Inc. stating that I owe {$100.00}. Transworld said that this was transferred to XXXX XXXX XXXX and the account number is XXXX. The Transworld Reference No. is XXXX XXXX. Attached to the letter from Transworld is a copy of the XXXX notice that states that I owe {$530.00}. There is no mention of an additional {$100.00} owed. I have now called XXXX and Transworld multiple times to get this cleared up and have not had any success ; they just keep sending me the same {$530.00} bill that I have already paid. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/ 2021 and still no response I need this DELETED ASAP.
Product: Debt collection

On approximately XX/XX/year>, My daughter received a check from RVO Law due to an overpayment of a prior debt. Shortly after, she received a Certificate of Satisfied Account, dated XX/XX/year>. Unfortunately, my daughter passed away on XX/XX/year>. So, I contacted RVO Law to notify them of the same on XX/XX/year>. I spoke with an agent whose name I will disclose as directed. She, however, instructed me to email a copy of my daughter 's death certificate and a letter noting that I have authority to act on my daughter 's behalf. I immediately submitted the information on the same date. 

I waited for approximately 2 weeks before I called to inquire about the reissuance. I spoke with a different agent and was told that it has to be reviewed and approved before reissuance could take place. He stated that he would contact me once this was done. 
I waited until late XXXX and called again. I was given another excuse and told that the manager would be in contact with me. Another 3 weeks passed and still no call. So ... I called yet again. This time I was able to Speak with the original young lady who asked that I submit the documents. She told me that she was processing the reissuance while we were on the phone and that the check would be processed and mailed on that date. Well... I waited a few more weeks and nothing. So, I called again in mid XXXX, 2024. I was told that they are still reviewing the claim. Finally, I called on XX/XX/year>. I spoke with the original person again. She told me that she was unable to access my daughter 's account and that she had to transfer me to someone else. When I was transferred the new person he said that he was unable to discuss the account. I asked if he just couldn't discuss the account or was it that he could not discuss it with me. His respond was I can't say why. I asked why, and he repeated the same. 

I am filing this complaint because I really need a resolve. This has been very trying for me as I am currently grieving and trying to get my late daughter 's affairs in order. She has XXXX children whom I have custody of a well. I would truly appreciate any help with this situation. 

I am attaching the paperwork and evidence that have to substantiate my claim. Thank you.
Product: Credit card

On XXXX XXXX I made a transaction for at trip. In the amount of {$920.00} this including fee. On XX/XX/year>XXXX XXXX XXXX texted me to say I needed to pay her an additional {$1300.00} for the trip I let her know her website charged the the full amount and if it was more the website should have started this and I wouldn't have booked it. I asked her to refund me and she started she would be keeping half. I let her know that's illegal. I then put in a dispute with my card payments and was told I need to get her to cancel. She has not responded to my calls or text, And she has not sent anything about the trip.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

I opened a personal checking account online with Key Bank on XX/XX/2022 and gained online access. I made some deposits to start using the account, totaling {$1500.00}. On XX/XX/2022, I discovered my account had been restricted when I could no longer log in online. 

No one notified me of the restriction, or instructions on how to proceed. I called online support, various branches, executive client relations, and fraud support to discover my checking account had been " flagged '' and under investigation because I am located in California and Key Bank does not have a footprint in the state. 

Key Bank has refused to release and return my balance, and I am unable to transfer out my funds or re-gain online access. I would appreciate my balance of {$1500.00} be returned via a trackable shipping method like UPS. 

I would also recommend Key Bank to revise their business practices to notify account holders of any such restrictions and to inform them of next steps forward, rather than for the consumer to be kept in the dark while their funds are inaccessible. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to XXXX, XXXX, XXXX and XXXX and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the inquiries Equifax is reporting. Under section 604 without my written consent these inquiries are fraudulent.