23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Checking or savings account

Wells Fargo closed my personal and business accounts without proper notice and unjustly. 
I was told to come into the branch to provide my social security card which I did. 
A few days later my account were placed on hold ( XX/XX/2020 ) anyway. 

I took the time out of my busy schedule to come back to the branch to provide my social security card again. 
A few days thereafter holds put on my accounts again. 

Shortly thereafter, without notice, my accounts were closed a day before I want to go out of town. 

The branch told me that showing my social security card was not good enough even though this is what they requested. 

By closing my accounts wells Fargo has caused me much financial hardships. 

In addition, Wells Fargo has made me miss out on my SBA Grant of {$2000.00} that was supposed to be placed into my business account in XXXX. 

My short membership with Wells Fargo has been a terrible experience.
Product: Checking or savings account

Capital One opened an account using my name, address, and bogus ssn number. I became aware of this id theft when I received a debit card in the mail which I did not apply for - date XX/XX/2022. I immediately called the number on the debit card and was sent to XXXX in fraud who said he would close the debit card immediately. I requested a letter and received a confirmation letter dated XX/XX/2022. 

I also received a statement on XX/XX/2022 for the account and found out a checking and savings account had also been opened and the checking account had a balance of {$220.00}. I called again and talked to XXXX in fraud who said the account would be closed. I requested a letter when the accounts were closed. The statement had online XXXX transactions in and out of the account to a XXXX XXXX XXXX XXXX from apparently individual names. I was told the accounts would be closed. 

I received statements on XX/XX/2022 and XX/XX/2022 for the same accounts. I called the bank on both dates. Again, I was told the accounts would be closed, but on XX/XX/2022 XXXX told me they were investigating and had to get the money back to the correct person. 

Number one : The bank is violation of the privacy act and patriot act when they opened an account with a SSN number which did not match the name and address. I know they did not have my SSN because I gave them the last 4 digits of my number and was told it did not match the account SSN. They said they could not give me any information because it did not match. It's funny I get the statements and it is my address and name the account is listed in and they can not give me information. I have contacted the local police department, but unless I have a person to go after, they can not help. 

As a last resort, I went on their social media page - XXXX - on Tuesday, XX/XX/2022 and laid it all out for the public to see. I received a notice to XXXX  them and they would help. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received a message they were working on it. 

I have tried for 3 and 1/2 months to close this fraudulent account. As far as I know it is still open and the bank is 'trying ' to find the correct person to send the money to. I want the account closed and all record of my name and address wiped from Capital One 's data base. A bank that can open accounts without proper ID should be censored and fined. Their regulating authorities should review their procedures and take action against them. I am frustrated and angry. I put freezes on all credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account XXXX Date of Late XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o .

Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) paid Eastern Acct ( XXXX XXXX ) .I was insured that once paid it will be taken off all 3 Credit Bureaus. As of XX/XX/XXXX I still have a collection on my XXXX XXXX. It is stated Paid, Closed but yet still on all 3. I proceeded calling Eastern Acct and the debt collector assured that on her end it is paid and I will need to call the credit bureaus to get them to take it off. I did just that just to be told that it will be off in 7 years! They did mention that I do a dispute which I did but all in all its down to the " Credit People. '' Originally I was already furious that I have done business with the XXXX XXXX and when moved I even made sure to XXXX  their modem back in the process of moving. Yet months later to find out they were still charging me for a service I discontinued. After they sold my acct to a collector I finally came up with the funds to pay this debt to get my Credit back up and stronger then ever. I need this off so I can continue with my life.
Product: Checking or savings account

I was charged fraudulently after leaving my card behind at this restaurant while eating out with friends.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. This has cause me great XXXX, stress, and financial hardship because these accounts are mine and I can not fulfill my dreams of owning a home.
Product: Credit card or prepaid card

I received my new XXXX XXXX Credit Card through Barclays Bank and activated the card on XX/XX/2022. During the activation process I was asked to confirm the phone numbers on file. One was correct, the other was not. When I stated " no '' to the incorrect phone number, I was transferred to an offshore contact center and she stated the information i provided her was incorrect ( yet it was the same information I provided through the automated system to activate my card ). 

She then had to transfer me to " security '' who also said the credit card number didn't match, even after reading it to her twice and repeating all my information twice. She then said I'd have to send in documents, in which case I told her to cancel the card. Which she said " I can't do '' because the information doesn't match, even though she could see i activated the card. 

Cancel this card per my request as I no longer want to do business with Barclays or XXXX XXXX.
Product: Credit card

Waiting for a credit refund of {$750.00} since XX/XX/year>. Not confident that Synchrony plans to actually send it.
Product: Money transfer, virtual currency, or money service

I used Wellsfargo  XXXX  to send money to my mother. I wrote her name and typed in a phone number to transfer the money. Turns out the name and number did n't match, because there was a typo in the phone number. The money was still sent. I immediately called them right after the transfer before it even completed. They waited two weeks before giving me a resolution and just told me according to their research the funds are now gone, and even though the name and the phone number did n't match Wellsfargo still transferred the funds and there is n't anything they can do about it, unless the person voluntary gives it back???
Institution : Wellsfargo Application :  XXXX  Amount : {$500.00} Transfer :   XXXX   XXXX  , 2017 Action :   XXXX   XXXX   2017 - opened claim   XXXX   XXXX  , 2017 - reopened claim Spoke to a banker, he 's trying to file another claim to the internal resolution team and advocate for me I forced them to reopen the claim after they closed it, when they told me they tried " calling '' the other financial institution and that was it. Even if I was take this person to small claims, Wellsfargo will not provide me with documentation of the information of where the money was transfer to so I can take the person to court. So long story, short they are leaving me high and dry. They told me to handle it myself but even then they are not providing me with much information to handle the situation myself.
The general attitude was tough luck to me. I have a personal banker that I encounter that is trying to advocate for me but it seems bleak. I do n't know why they sent my money even if the number did n't MATCH THE NAME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found 6 accounts has been listed wrongfully by XXXX, XXXX and EQUIFAX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX
Product: Checking or savings account

I opened a new checking account and took a picture of my check on friday XX/XX/XXXX for XXXX and the next day, Saturday XXXX became avail to withdraw. I called a couple times and asked why only that much and I was told because my account is still under 30 days old. Ok, I understand I get it. I called back asked when it would be avail because it was already cleared from the company and taken from the company account. I know this because I work for my girlfriends family doing demolition. The bank told me it would be available to withdraw on the XXXX on a Tuesday 11 days later. I complained about getting paid again befor I even have that money available to me and it has cleared with the company already so I was unclear of why they had to hold it for so long. I called so much they then told me it would be available Saturday the XXXX. Friday the XXXX I had 2 payroll checks one for over XXXX and one for {$380.00}. I didnt want to take the chance of not having anything avail from the check over XXXX I decided I would take the chance on the {$380.00} check so I took a picture and deposit it into my checking account and at this time it made {$10.00} available out of that check available, so at this point I have deposited over 2000 into this account and only had access to {$10.00}. Saturday morning the XXXX finally available to withdraw. I had one of my vehicles towed for sitting in a parking lot on Sunday the XXXX so I went to take money out at a atm to get the vehicle out which was going to be {$450.00} to release and then tow back to the place it was taken from. I hadnt set up a pin yet because I had only made 2 deposits to this account so I went to the atm attempt to do my pin and it kicks my card out and tells me to contact financial user. So I called them on a Friday and they told me fraud had put a hold on it and wouldnt tell my why and transfered me to the fraud department. I was put on hold for 2hr and 38 mins and a automated voice came on saying to call back during business hours. I call back Monday morning and attempt to figure this out and Im told its because of a check they need to verify and told me they had tried to contact the owner of the company and left them a voicemail. I then called the owner and she had nothing in her voicemail or any calls. I tried all day to get in touch with someone while at work in heavy equipment only to be put on hold all day for at one point 1hr and 40 mins to just have the lady on the other line say she could only have me on the line for another two mins and then she had to disconnect the call. I told her to put me on hold for the two mins and when she ends the call Ill just call right back to sit on hold again and she told me ok. I couldnt get ahold of anyone all day after call after call after call after call. My vehicle is now going to be charged more to get out and my account is still locked. I told them multiple times about my vehicle being in a tow yard and I needed it fixed asap and still got nothing
Product: Credit reporting or other personal consumer reports

RECENTLY I DISCOVERED THAT I WAS A VICTIM OF IDENTITY FRAUD. THERE IS FALSE AND INCORRECT INFORMATION REPORTING ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN MULTIPLE TIMES TO REMOVE ADDRESSES THAT ARE FRAUDULENTLY REPORTING ON MY CREDIT REPORT WHICH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than $ 100K to purchase a car, file 2 police reports one in XXXX and another one in XXXX  were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.
Product: Mortgage

XX/XX/2016, I began the process to refinance my personal home 's mortgage with Rabobank. Currently serviced by Rabobank, I started dealing with XXXX XXXX XXXX XXXX at the XXXX, CA branch. I completed my application, provided all supporting documents, and completed the credit check. The bank approved my application and I signed a rate lock at 2.875 % for a 15 year fixed loan locking the rate on XX/XX/2016. Weeks later in trying to correspond with the bank to get the refinance on pace for completion prior to the lock expiring, the loan officer explains to me the the bank no longer wants to offer a 15 year fixed loan to me and the only product I could use was a 10 year ARM amortized over 30 years. Although I did not want an ARM, I said I would go to the ARM if they honored the rate we locked. Later, I was advised that the regional manager in XXXX XXXX 's supervisory chain, XXXX XXXX XXXX did not wish to honor the bank 's rate lock. 
I believe that Rabobanks efforts in not servicing an approved loan, with a signed locked rate, while interest rates are on the rise - is an unethical banking practice. If rates were on the decline, I am sure they would make sure I honored the lock on my side. 
I respectfully request the CFPB investigate this situation with Rabobank and unethical lending practices so it does not happen to others. While honoring what I believed to be a commitment with their bank, I sacrificed precious time when I could have been using another institution to refinance my loan prior to rates going up. I have been asking the manager to help find a resolution, extend me a loan at the agreed upon rate, but without success. After a week of no response, I emailed him requesting an answer and was still promised that he was working it " internally ''. 
Please help.
Product: Vehicle loan or lease

I was charged a property tax for XXXX county when I have never been a resident of XXXX county. The lease holder ( US Bank ) assed it to my account. I have been trying for months to request a copy of the tax bill showing my name as the tax due by me to which I have had no success. I have reached out to every department, I have made every call, submitted in writing all the requests ; all to no avail. I am worried about this impacting my credit. I have reached out to XXXX county for help and they helped me as much as they could. I have been stonewalled by US Bank. Even then supervisor at Personal Property and business license division at the XXXX county department of Tax administration suggested I seek legal counsel in order to get a copy of this bill. A bill that was assessed to my account that is not my charge.
Product: Debt collection

I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for?
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to Synchrony Bank to close my CD. 

XXXX XXXX XXXX I logged in to the Synchrony website to check the CD amount. The website still says " Your CD is approaching maturity and will automatically renew at the same term. '' This is in direct opposition to the instructions I gave on the phone. Either 1. the CD will be closed at maturity per my instructions and the website is lying to me about the status of my account 2. Synchrony does not plan to follow my instructions to close the CD at maturity Either option is unacceptable. 

Please clarify what will happen at maturity. If the website is providing false information, please fix that as well.