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

Subject : Request for Claim Wells Fargo Settlement Dear Settlement Administrator, I am writing to formally request my claim as an Eligible Settlement Class Member under the Wells Fargo settlements related to the following issues : Excessive Overdraft Fees Unauthorized Identity Theft Product Enrollment Mortgage Account Mismanagement Improper Credit Card Fees GAP Insurance Fees Excessive Renters Insurance Fees Unauthorized Account Opening I understand that Wells Fargo has reached multiple settlements related to these issues, including but not limited to : XXXX {$140.00} XXXX Class Action Settlement Addressing unauthorized account openings and improper credit card fees. 
XXXX {$570.00} XXXX State Settlement Covering deceptive sales practices, including unauthorized enrollments in identity theft protection and mortgage mismanagement. 
XXXX {$3.00} XXXX Federal Settlement Resolving criminal and civil investigations related to unauthorized accounts. 
XXXX {$3.00} XXXX CFPB Settlement Addressing excessive overdraft fees, XXXX insurance fees, mortgage mismanagement, and improper renters insurance fees. 
XXXX {$1.00} XXXX Shareholder Settlement Related to misleading information provided to investors about Wells Fargos corrective actions. 
Based on my eligibility, I would like to claim any compensation I am entitled to for the unauthorized charges, fees, and account activities listed above. Please provide guidance on the necessary steps to complete my claims. 
Additionally, if a written request is required for uncashed settlement payments, kindly confirm the appropriate email address or mailing instructions. 
I appreciate your time and assistance in processing my request and look forward to your response. 
Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS.

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

MY INFORMATION WASS DOLD TO A DEBT COLLECTER, I WAS TOLD THAT POSSIBLE TRADE LINE WOULD BE DELETED FROM THE CREDIT BUREAUS THAT IT IS BEING REPORTED TO, NO ONLY WAS THE DEBT PAID OFF THROUGH INDEBTED, I WAS TOLD THAT I HAD TO CONTACT POSSIBLE FINANCIAL WHERE THERE IS NO DIRECT NUMBER AND THAT THEY ARE STILL REPORTING A BALANCE WHEN THERE ISN'T ONE SO I AM DEMANDING POSSIBLE TO DELETE IT FROM MY CREDIT BUREAUS, BECAUSE IT IS IN VIOLATIONS OF MY RIGHTS BY SELLING MY PERSONAL INFORMATION AND REPORTING FALSE INFORMATION WITHOUT MY WRITTEN CONSENT AND WAS NEVER NOTIFIED THAT IT WOUL BE PUT ON MY CREDIT REPORT WITH THE CREDIT BUREAUS...
Product: Credit reporting, credit repair services, or other personal consumer reports

Southeast Toyota Finance was asked to verify a debt owed within 30 days and they failed to do so. This means, the account should be deleted from my report. 

Southeast Toyota Finance has sold this account to a debt collector whom I pay {$50.00} a month currently. 

They do not own this account but is reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  will not give me credit for equipment and payment. They continue to keep reporting that I owe them and I do n't. I paid them and returned equipment  XXXX   XXXX ,  2014
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX, XXXX, and equifax several times regarding inaccurate late payments that are being reported for my credit acceptance account. Please see attachments
Product: Debt collection

This is a follow up to my complaint # XXXX. Today I received contradictory and confusing foreclosure documents from Select Portfolio Servicing, along with forms to be completed that would negate the foreclosure of my home. I think SPS is engaging in possibly illegal tactics. This behavior has repeated occurred heretofore with SPS. Please see attached documents and my original complaint.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian Credit Reporting Agency to inform them of the inaccuracies being reported on my consumer report. Last year I pulled my credit report on XX/XX/2022. Around that time my credit score was at XXXX and now had plummeted drastically due to the mishandling of my consumer report. I have sent numerous letters to them and still, nothing has changed. The last one was sent 30 days ago, and I have still not gotten a response or removal of the inaccurate information. 

According to 609 Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

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 these items are being reported correctly? Who verified these accounts? You have NOT provided me with 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.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Mortgage

I had my loan with GreenTree mortgage and I was went through XXXX trying to get a modification on my loan. I was threatened that they would take my home. I was talked to and humiliated. I finally received a loan modification. I lost my my home on XXXX XXXX, 2015 it was sold on XXXX XXXX Steps at the courthouse. I received no warning and I did not have time save my home after owning it for 23 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX  or Transunion does not have any files to verify these accounts, nor will they delete it.
Product: Mortgage

I am filing a complaint against Select Portfolio Servicing as they blatantly did not work with me to keep my home of 18 years. 

In XXXX, I wrote to SPS to ask them for a load modification after losing my job in XXXX. I paid my mortgage until my 401K was depleted, to which I reached out to SPS in desperation. The agents lead me on and then foreclosed my home. 

I am still in counseling due to this devastating event of losing my home, depleting my 401K, and having my credit score plummet. I am XXXX XXXX XXXX with no retirement savings and I don't own a home due to my credit score. 

SPS subsequently sold my mortgage to XXXX XXXX XXXX XXXX, to which they foreclosed my home. I have already filed a complaint against XXXX XXXX XXXX XXXX for the surplus money owed to me after the sale of my home in XX/XX/XXXX. 

See attached emails.
Product: Money transfer, virtual currency, or money service

Hello, two weeks ago my aunt sent me two transactions using your company in the form of {$400.00} and then again {$400.00} because she was saying it was not working. The date of the transactions was XX/XX/XXXX. You'll be able to see that I transferred the first sum to my bank account in the form of {$390.00}. Turns out my aunt made a mistake on her end and I had to send her back the {$400.00}. Now here is where the issue lies. How come now, Venmo says I owe them {$400.00} even though I sent the money back. I have my driver 's license ID as well as my bank statement to prove that I did not get paid and that I did in fact send the money back. My aunts name is XXXX XXXX and she also had to go through the unfreezing account process. I will attach both pieces of information to this email TODAY to save time and get the process started. You guys also took {$80.00} that I received today and put it towards paying off the {$400.00}. So now please help me ASAP before the long holiday weekend. Let me know if I need to do something else to get my Venmo account TEMPORARILY UNFROZEN. 


I know that this process can be complicated, but I can explain whats happened from our side of things. On XX/XX/XXXX, we received notice that the following payment was disputed by the senders card issuer : payment from - XXXX for {$400.00} on XX/XX/XXXX ( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX. : We disputed this chargeback with the buyer 's card issuer. In this case, the card issuer has decided this case in favor of the buyer. Were unable to dispute further on your behalf. The held funds have been permanently removed from your account to cover this disputed payment. 
( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX : I know this isnt the outcome you were hoping for. We encourage you to contact the sender directly for any further resolution. 
( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX : You can find more information and settle the amount owed by following the prompts in the app. Tap Restore your account to get the process started.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 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 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 or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the XXXX credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX 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. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit card or prepaid card

I filed a fraud dispute with this company back in XXXX XXXX over the phone. I later found out that I needed to fill out a form and send it back to them. I did so in XXXX and they confirmed receipt and assigned it to Case ID / XXXX. As of XX/XX/XXXXXXXX, they finalized my case and it was denied, with no just cause ... Again, this was a FRAUD dispute. Meaning someone stole my card and used it without my permission. These clowns completely mishandled my claim.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I walked into XXXX to cash my US treasury Stimulus check XXXX $ Provided my state ID and social security number, they would not cash it. 
The reason was not given. 
I was denied by this company : Certegy check cashing I called the number provided on the recipes however the representative declined to give me any information on why It was denied. 
It seems odd that a us treasury check can be declined, as the funds are backed by the Us treasury, and electronic verification systems can instantly verify the validity of the check. 
I ended up having to go to XXXX instead.
Product: Money transfer, virtual currency, or money service

Dear Sir/Medam, I am writing to formally raise a complaint regarding an unresolved issue with a {$200.00} transfer I made via the TapTap app on XX/XX/year>. According to the app, the money was marked as delivered. However, my recipient in XXXX has visited two different bank branches, and both have confirmed that the funds have not been received.

Despite multiple attempts to resolve the issue through your customer service helplinethree calls in totalI have not received any meaningful assistance. During my most recent call, I requested to speak with a supervisor, but the agent refused and disconnected the call without offering a resolution. This level of customer service is unacceptable and has only added to my frustration. 

It has now been 12 days since the transfer, and my recipient still has not received the funds. This delay is causing significant inconvenience and financial distress. I kindly request that you investigate the issue promptly, provide a clear explanation of why the transfer has not been completed, and ensure that the funds are delivered to my recipient as soon as possible. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I signed for a credit card at best buy since more than a year now I always paid on time my minimum pay. 
Everytime I notice that the amount is increased more the {$300.00} for unjustified reason. 
I have been paying all these months but the amount of the credit always increases and decreases. 

This a a theft. I have notice that my credit was wrongly impacted and i lost XXXX point because of a debt i am paying since more than a year. 
This is wrong
Product: Credit reporting or other personal consumer reports

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