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

XX/XX/year> I received a text from Wells Fargo Bank that said they were reviewing a wire transfer from our account ( last XXXX of account number ). I called the bank immediately, and was told they didn't show any pending transfer. I stated that we didn't authorize any wire transfer. The agent suggested it was phishing, but I was concerned that the last XXXX digits of the account number was in the text. Again, said they didn't see anything. Suggested I forward it to an email for that purpose ( phishing ). 
On Monday XX/XX/year>, a wire was sent in the amount of {$25000.00}. I called again, but was told that they could have helped if it was done online, but she said it happened at a branch. She made an appointment for that afternoon with a banker at a branch. When we arrived, we produced the print out of the wire information. She then noticed that the fee amount was for an online wire, meaning that the agent I had spoken with that morning had lied. We filed a claim with Wells Fargo, and was told by the banker at the branch that we should get our funds back in 7-10 days. 
We have made several phone calls, and escalated the claim, only to be told they are waiting on the receiving bank to return the funds. We believe that Wells Fargo is responsible, since they made not one, but two errors. Had they acted on the XXXX, it could have been stopped. Absolutely, Wells Fargo dropped the ball, and they should return our funds immediately, then deal with the receiving bank. 
We have filed this action with XXXX XXXX, but they need something in writing from Wells Fargo, which no one there is willing to do. We have also filed a police report, and have been told they are requesting a subpoena from the bank. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The list of accounts I have provided below have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

I recent sent a letter to Experian about inaccuracies reporting on my credit report and how these inaccuracies have affected my ability to obtain job opportunities, opening credit cards, and even auto loans. Experian sent me an email two days after receiving my letter and saying how they do not believe I am the one who sent this letter to them. 

XXXX - XXXX - This account is reporting an incorrect " Payment Status '' ( LATE 60 DAYS ) while the other two credit bureaus are showing " CURRENT '', all three bureaus are showing different " Date Opened '', " Last reported '', and " Date of Last Actie '' XXXX  XXXX XXXX - This is also reporting inaccurately - all three bureaus are reporting different " ACCOUNT STATUS '', " DATE OPENDED '', " PAYMENT STATUS '', " DATE LAST ACTIVE '', AND " LAST REPORTED '' XXXX XXXX - XXXX - This is also completely inaccurate. - The open date is reporting differently across all three bureaus, the " CREDIT LIMIT '' is reporting differently across all bureaus, the " DATE OF LAST PAYMENT '', AND " DATE LAST ACTIVE '' XXXX XXXX - XXXX - This is also completely inaccurate. - Inaccurate Info being reported across all three bureaus! The " OPEN DATE '' is reporting inaccurately, " ACCOUNT STATUS '', " HIGH CREDIT '', " CREDIT LIMIT '', " LAST REPORTED '', " DATE LAST ACTIVE '' XXXX XXXX  - XXXX - This is reporting in accurate as well, only experian and XXXX are reporting this account and both are reporting different information. " ACCOUNT TYPE '', experian is reporting open but under " PAYMENT STATUS '' this account is reporting collection/chargeoff, " LAST REPORTED '' date both bureaus showing different dates, both are reporting different " DATE LAST ACTIVE '', and experian is not reporting " DATE OF LAST PAYMENT '' XXXX XXXX - XXXX - This as well is reporting inaccurately across all three bureaus as well. " DATE OPENED '', " HIGH CREDIT '', " DATE LAST REPRTED '', " DATE LAST ACTIVE '', " DATE OF LAST PAYMENT '' and only experian and XXXX are reporting this account, exquifax is reporting " OK '' for the payment history months and experian is reporting " CO '' / CHARGED OFF '' for all payment months 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 known or has a responsible cause to believe that the information is inaccurate. 

Please investigation and send me proof of your investigation, I want these accounts listed removed from my credit profile.
Product: Credit card

On Friday XX/XX/XXXX I had unbeknownst to me lost my Debit Card. Several unauthorized transactions were made totaling over XXXX dollars. I filed a dispute with Sofi bank however they denied my dispute within 24 hours.
Product: Debt collection

Enhanced Recovery Co L and others on behalf of XXXX continually revive and report to CRAs a debt that has defaulted from a completely different account unrelated to me or my bills. Despite being removed prior by the CRA 3 times over a 6 year period, every 12-24 months, the same debt fraudulently appears again, despite having been proved not to be mine multiple times.
Product: Debt collection

XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$50.00} XXXX XXXX / XXXX XXXX {$980.00} XXXXXXXX XXXX / XXXX / {$920.00} XXXX XXXX / XXXX / {$1300.00} XXXX XXXX / XXXX / {$50.00} XXXX XXXX / XXXX / {$4200.00} XXXXXXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXXXXXX XXXX / XXXX / {$4400.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the following hard inquires and I'm asking that they be removed : 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: Student loan

My Ex-husband & I consolidated school loans prior to divorce in 2004. Since that time, I have tried numerous ways to take care of this account. Due to the fact, I was court ordered to be responsible for repayment of entire amount exceeding 25XXXX. They will rarely speak with me and I can not submit any documents with out my ex-husband of 14yrs signature. This is just NOT POSSIBLE. He is bitter and will not cooperate. He knows it goes on mine and his credit, but refuses to help me with this matter. I also qualify for student loan forgiveness, but since I am not the primary borrower I can not get this assistance. Therefore, I then try for re-payment plan. Well they want me to get my ex-husbands income ( which he is remarried ) to come up with a reasonable payment plan. Which I can not pay an amount based on mine, his, and his New Wife 's tax return. I do not want this effecting my credit, but I can not make the payment they are requesting from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to Transunion and XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
Product: Credit reporting or other personal consumer reports

I am reporting ongoing challenges I have encountered while attempting to update my personal information on my Equifax credit report. Despite multiple attempts through various channels, the incorrect information persists. Additionally, I requested the deletion of all information in the employer section, yet these details persist on my report. 

Here is a summary of my efforts to rectify the situation : 1. Dispute Online with Equifax : In XX/XX/2024, I submitted a dispute online via the Equifax website to address the inaccuracies in my credit report. 

2. Certified Mail Correspondence : - XX/XX/2024 : Sent the certified letter ( Green Return Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) detailing the discrepancies and providing supporting documentation. 


Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copies of the certified letter sent to Equifax, including a copy of my SSN card and a utility bill displaying my current address.

- A print of the credit report demonstrating the incorrect information present on my credit report.
Product: Mortgage

MY HOME MORTGAGE BANK SOLICITED ME FOR A REFINANCE ON MY HOME. THEY OFFERED A 3 % LOAN IN A REFINANCE PACKAGE. WE SUBMITTED ALL THE INFO THEY REQUESTED TO REFINANCE AT THE COST OF SPECIAL MAILINGS AND TIME, THEN WE WERE NOTIFIED THAT THE UNDERWRITER DENIED OUR LOAN. THIS WOULD SEEM A NORMAL REJECTION HOWEVER, OUR CREDIT IS EXCELLENT, AND OUR INCOME IS IN THE {$200000.00} RANGE WITH NO OUTSTANDING DEBTS AND OUR HOME WOULD BE REFINANCED AT 30 % OF VALUE. I THINK THE BANK ( BANK OF AMERICA ) REALIZED THEY WOULD BE REFINANCING A LOAN THEY HAVE AT 4.87 % TO A 3 % WOULD BE A LOSS TO THEM. WE WANTED TO EXCHANGE A 14 YEAR LOAN TO A LOAN WITH A 10 YEAR PAYBACK WITH THE NEW INTEREST RATE THEY OFFERED ... I DO N'T THINK WE WERE TREATED FAIRLY OR HONESTLY ... SINCERELY, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, MECHANICS BANK, on XXXX. XXXX, 2019, METROPOLITAN XXXX and on XXXX. XXXX, 2019, US BANK XXXX XXXX XXXX XXXX the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I never had an account with any of these debt collectors. ( example LVNV FUNDING. ) I am asking for the original contract that was signed with the debt collectors. 

Please remove all of the accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX FIN Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023
Product: Mortgage

My wife and I are trying to obtain a check from XXXX/LoanCare for prepaid property taxes. The house is located at XXXX XXXX XXXX, XXXX, Ca XXXX and the loan number is XXXX. We initially received the check dated XX/XX/XXXX which was never deposited and lost. I talked to customer service multiple times about this issue which they stated they would mail out a new one. The first time I called was in XXXX, in which the worker said she would have a new one mailed out and we would receive it in 6 to 8 weeks. We waited the allotted time and never received a check. On XXXX XX/XX/XXXX, I called back to LoanCare and she then informed me that a new check would be mailed out and delivered in three to five business days. As of XXXX XX/XX/XXXX we have yet to receive this check. They are saying that we need XXXX party authorization to talk to anyone. I will attach a copy of the original check. Check No. XXXX for the amount of {$230000.00}. I am asking for a new check to be sent out and the old XXXX canceled as well as conformation from LoanCare letting me know that it is being processed. If this issue is not resolved I will have no choice but to take LoanCare to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE REASON : EACH CREDIT BUREAU XXXX, XXXX, EXPERIAN ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX  reports XX/XX/2014XXXX XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX   has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX   regarding the results of their investigation.
Product: Mortgage

Amerihome Mortgage XXXX/XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Received a letter dated XX/XX/XXXX that said the amount of flood insurance paid by our condo home owners association was insufficient ( but not by how much ) and that if we didn't amend the master policy or purchase one of our own or they would purchase one for me. I received this letter on XX/XX/XXXX. I called twice to get an explanation ( both calls recorded ) where the customer service rep would not put me in touch with the flood ins department and i was told both times the rep could answer my questions. The first call lasted over 20 minutes and the rep hung up on me and the 2nd call, the rep could not answer my question ( why did we need more insurance? ) and I asked to speak to the supervisor but the supervisor refused to speak to me. On XX/XX/XXXX I faxed ( and sent by certified mail ) a copy of our flood insurance policy and an email from our insurance agent explaining why our coverage was sufficient to meet the Flood Protection Act of 1973, I explained that we were disputing this and would like an explanation. 
I got an acknowledgment that the fax was successfully sent, but received no communication from the company acknowledging this. We received another communication on XX/XX/XXXX reiterating the terms of the first letter. I called to try and see if they had received our communication that we were disputing this need for additional insurance, but was told twice that their " system was down ''. I can not express to you the level of frustration we feel as a result from incompetent customer service reps that basically look up information in a reference manual to answer questions they know nothing about and refused to transfer us to the flood loan department and - the first time in my adult life - I was refused the opportunity to speak to a supervisor to get an explanation/clarification of our situation. I strongly ask for any assistance you can give us. 
Thank you for your time and consideration, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not a good response. There is no delinquency. I do not have a contract to do business with ATG, I never had a balance with XXXX XXXX XXXX. Can you provide where XXXX even sold my account to them? No, you can't because I never had a balance. If you think this information is accurate, please provide me all contracts and bill of sale between XXXX and ATG so that this can be provided to my legal team. If this can not be provided, this needs to be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I owe {$4100.00} on my report I have sent serval affidavits but no response and should be removed because its not permissible its on all the credit reporting agency and its stopping me from buying a home for my family. And by law 42 U.S.C 666 Reporting arrears to credit Bureaus 15 US Code 1681 e compliance Procedures 15 US Code 1681 i Procedure is case of Disputed Accuracy
Product: Credit reporting or other personal consumer reports

I contacted discover to validate and send me evidence of the late payment, because I made all my payments monthly never missing one payment.
Product: Credit reporting or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, TXXXX account number : XXXX, XXXX & XXXX XXXX account number : XXXX, XXXX XXXX  account number : XXXX, XXXX XXXX XXXX account number : XXXX, XXXX 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, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Product: Debt collection

I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.