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

I am a Wells Fargo customer. On XX/XX/XXXX, I made six small purchases under on XXXX under {$10.00}. My Wells Fargo balance was about {$200.00} at the time, easily enough to cover these purchases. The same day I wrote a rent check for {$920.00}, knowing I would be able to deposit the funds to cover this check within 12 hours. 

Before XXXX XXXX on XX/XX/XXXX, I wired {$1600.00} to my Wells Fargo account. I checked my Wells Fargo balance and the money I had just wired was fully cleared and available. There were no overdraft fees marked on my account at this time. 

A day later on XX/XX/XXXX I checked my Wells Fargo account again to find out that I had been assessed not one, but three overdraft fees of {$35.00} each, totalling {$100.00}. Wells Fargo has creatively decided to debit my rent check first, putting me in the red, and then debit two more paypal transactions, putting me farther in the red, as a means of justifying the multiple overdraft fees. 

1. These fees were assessed after Id put in funds to cover the payments Id made. 
2. My payments were reordered from the way I made them, so that Wells Fargo could justify multiple overdraft fee charges. 

I contacted Wells Fargo customer service very politely and a friendly agent apologetically said she understood my situation and offered to refund {$8.00} of each of the fees totalling {$26.00}, which I accepted. I asked her what I could have done differently and she said nothing, and actually thanked me for being a good consumer. 

I am writing to try to get the rest of these fees reversed, in the amount of {$78.00}. It isnt a huge amount of money, but I believe it was taken from me wrongfully. My motivation for complaining is obviously financial, but I also believe I have a civic duty to add my story to the public record in light of the shameful history of consumer unfriendly behavior at Wells Fargo. Despite their repeated settlements with the government for wrongdoing, this misbehavior continues. 

Thank you for the good work you guys are doing at the CFPB
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and XXXX XXXX XXXX XXXX has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to sur in court or by arbitration by thff to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to both companies they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts experian and XXXX has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account As of now im also requesting that the CFPB request for a notarized affidavit that has all the information that was sent to Experian and to XXXX as saying information was valid, because nothing was giving to me, under the law fair credit reporting stated that the information needs to be provided and processed to the individual requesting such information and documentation that has never happened so please remove and I demand that these accounts be removed immediately
Product: Mortgage

Wells Fargos letter dated XX/XX/XXXX by mail stated they would provide a response by XX/XX/XXXX to my complaint XXXX XXXX. They had addressed their letter to XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX, see attached. Wells Fargos letter dated XX/XX/XXXX as posted electronically on the CFPB website as an answer stated we noticed your name did not match the name on the account youre inquiring about and we dont have a legal name change document on file. As Wells Fargo knows in my previous correspondence via mail, I had stated XXXX XXXX formerly XXXX for Loan number # XXXX. 
See attached document displaying case details as per XXXX Supreme Court showing the case for the foreclosure was filed against XXXX XXXX and representation prose XXXX XXXX. I am resubmitting my former complaint for Wells Fargo to address. 
As I had previously written, I continue to review my mortgage and the eventual foreclosure. After Wells Fargo sent me back the check for the XX/XX/XXXX mortgage payment and refused to accept further payments, I began to search for an expert in the field of mortgage fraud, which turned out to be XXXX XXXX, owner of XXXX XXXX. XXXX is well known to Wells Fargo. Please see the attached credentials. Soon after receiving her Mortgage Serving Analysis Report, I could not review the report at that time due to personal issues. Since my situation has now stabilized, I have completed the review of the report. For the very first time in Wells Fargos recent letter dated XX/XX/XXXX, they indicated that my payment problem which resulted in foreclosure was between XX/XX/XXXX and XX/XX/XXXX. They wrote as follows The account was referred to foreclosure on XX/XX/XXXX, at which time you were due for XX/XX/XXXX through XX/XX/XXXX payments. Attached is a copy of the report showing the dates I supposedly had a payment problem. As you can see, there was no payment problem, as my payments were current and were the correct amount. Wells Fargo posted my payments. You can see the dates on the report as well. Accordingly, there should not have been a foreclosure. This appears to be a deliberate mistake. When I discovered there was a consent order created for the purpose of settling errors and mistakes, I knew that what they did to me and my family was more than just a simple mistake. Since there is a pending consent order, Wells Fargo needs to make me whole and has to compensate me for the severe damage to me and my children within the context of the consent order. Files attached : Report pages XXXX, Credentials See report page XXXX of XXXX payments XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, FIRST INVESTORS SERVICING CORPORATION is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in XXXX, XXXX  and XXXX  respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. FIRST INVESTORS SERVICING CORPORATION also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. FIRST INVESTORS SERVICING CORPORATION also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by FIRST INVESTORS SERVICING CORPORATION show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to FIRST INVESTORS SERVICING CORPORATION REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and FIRST INVESTORS SERVICING CORPORATION needs to be held accountable for this improper tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX/XXXX XXXX XXXX   Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

Name of opposing party : Lien Enforcement inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My Customer # XXXX Parties to the contract/event, or the persons name, requesting the demand : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been contacting me nonstop since XXXX. They are calling me almost every day and harassing me. On XX/XX/XXXX lawyer XXXX XXXX wrote them a letter to stop contacting me as this debt is not mine. They still continue to call. 

I sold my car on XX/XX/XXXX. I did all the correct paperwork to transfer ownership to the new owner XXXX XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I completed the release of liability, the sell as is letter and online notice of transfer up to the United States law in California code standards through the XXXX. XXXX did not do his end of the deal and transfer it under his name. I have proof of this as well. The new owner XXXX had the car towed on XX/XX/XXXX which was after I had sold it to him. 

The police sent me a letter or notice of pending lien for an impounded vehicle around XX/XX/XXXX. I spoke with one of the officers and showed them proof that I had completed everything on my end, and the car is no longer in my possession, and they told me to not worry about the notice as the car is no longer my responsibility.

I am not responsible for this debt, the collectors need to stop contacting me.
Product: Debt collection

I received your letter regarding my request. I then repsponded with a follow-up letter regarding the matter. I've now decided to file a complaint with CFPB and the FTC. As what was provided to me does not meet the standard as pursuant to the FCRA requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification I requestedfor VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. None of the information provided me met the legal standard. 

I have attached the documents sent to me by Midland Credit Management they do not meet the legal requirement of the FCRA
Product: Debt collection

AA Recovery contacted a relative and left voicemails and spoke in person, revealing specific details about my payment arrangement, the original debt, and pending payments. I made an initial payment on XXXX and had a payment scheduled for XXXX. I rescheduled the second payment to XXXX. On XXXX, AA Recovery attempted to process the payment anyway. After this payment did not go through ( as it was not the amended payment date ) AA Recovery called an unauthorized third party multiple times. Contacting AA Recovery regarding this on XXXX, I was told that the person I made the arrangement with was no longer with the company, and the case was assigned to the person who violated my privacy. The manager took over the case from that phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I was a victim of the Equifax data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate
Product: Credit reporting or other personal consumer reports

Debt Validation Letter sent Cert Mail XX/XX/XXXX CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Account [ XXXX ] and Failure to Provide Validation To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit reports and to address a failure to respond to my previous debt validation request. On XX/XX/XXXX, I sent you a formal validation letter requesting proof of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response, validation, contract, or any supporting documentation regarding this account. 

Furthermore, I have noticed that despite failing to provide me with the requested validation, you have continued to report information regarding this account to the credit bureaus. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure that all information provided to the credit bureaus is accurate and substantiated. Since I have received no documentation or explanation from your company regarding the nature of this debt, I demand that all reporting of this account to the credit bureaus cease immediately and be deleted completely from my credit report. 

Please consider this letter a formal dispute of the account. I request that you provide written documentation verifying the details of the alleged debt, including but not limited to the original contract bearing my signature, itemized accounting, and any other evidence proving the validity of the debt. 

You have fail to provide this information, I will consider the debt invalid and expect that you cease all reporting of this account to the credit bureaus and stop all collection efforts, and delete the debt from my credit. Responding by telling me to file a complaint on another agencies doesn't mean that they are not responsible for supplying me with the Validation of this debt per my request. 
If this situation is not rectified promptly, I will consider pursuing legal action. This is my 2nd filing Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister XXXX XXXX added me as a authorized user to her XXXX account. Experian listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between LVNV Funding LLC and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX
Product: Debt collection

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
WELLS FARGO CARD SER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Product: Student loan

My loan was originally put on deferment surrounding my parents bankruptcy. During this time my account was inaccessible and all payments and interest were halted. I called to try and regain access to my online account but was denied.

After the bankruptcy cleared I was never notified interest and payments had re-commenced. I was in no way notified or informed of payments resuming prior to seeing a negative impact on my credit score. I have since made all payments on time and the account balance will be at {$0.00} as of the end of next month ( XX/XX/2023, well ahead of schedule ). 

Despite this upstanding record of payments and a total failure to communicate that payments had re-commenced Sallie Mae has refused to remove this wrongful late payment strike from my credit report. They have made arbitration impossible as they refuse to communicate directly.
Product: Debt collection

They have called my house today on a XXXX XXXX and wo n't stop. 

XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number is # XXXX
Product: Checking or savings account

My PNC checking account has been linked to my XXXX account for XXXX years. Today while trying to complete a transaction on XXXX I received a notification asking me to verify my bank information. After verifying the information, I received a message saying that PNC has made a change that prevents me from being able to link my bank accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I created a transaction for {$830.00} USD which was supposed to be ( per their disclosure on their website when creating the transaction ) available " within minutes ''. The transaction was held and held and held until I had to call on XX/XX/XXXX to resolve the issue which they claimed at first was because the local bank needed to verify my identity ( being a bank in the XXXX, why would they require the sender in the XXXX to verify their identity, and why would WorldRemit be the one to verify the information? I once again attempted to send money via WorldRemit on XX/XX/XXXX in the amount of {$460.00} USD. After multiple phone calls and many back and forths, my family member finally received the money on XX/XX/XXXX. This with WorldRemit claiming it was the local partner, then that it was a bug in their system, then that it was the local partner again, then that their support team was taking a look at the issue. Then on XX/XX/XXXX, I created another transaction in the amount of {$460.00} USD again, to the same recipient as the previous transactions and after multiple calls and backs and forths again with the same XXXX  of its the local banks fault, then that its their system that has a bug, then that they needed to verify my identity ( on XXXX different calls they needed to verify my identity then promised the money would be released within XXXX hours ) only for me to finally cancel the transaction XXXX days later on XX/XX/XXXX and do the transaction with XXXX XXXX which went through immediately. Now, me being the forgiving and loyal-to-a-company kind, decided I'd give WorldRemit another chance this month and created a transaction on XX/XX/XXXX in the amount of {$1100.00} USD. It is now close to midnight on the XXXX of XXXX, and wouldn't you know it - my recipient still doesn't have the money I sent, and on WorldRemits website it's stuck at " Local partner processing transfer '' which I'm assuming is the same XXXX.
Product: Student loan

I am filing a complaint regarding a privacy violation involving unauthorized access to my Federal Student Aid ( FSA ) records. XXXX XXXX accessed my student loan information without my consent, which raises serious concerns about data security and compliance with consumer protection laws governing financial records. 

This incident could represent a violation of : - The Fair Credit Reporting Act ( FCRA ) if my financial data was accessed without my permission. 
- The XXXX XXXX ( XXXX ), which mandates protections for consumer financial records. 
- The Dodd-Frank Act, which prohibits unfair, deceptive, or abusive practices in financial services. 

I request the CFPB to : - Investigate how and why my FSA records were accessed without my consent. 
- Determine if unauthorized access was facilitated through weak data security protocols. 
- Ensure that my records and those of other borrowers remain protected. 
- Take corrective action against any party found responsible for this privacy violation. 
- I am filing related complaints with the Federal Trade Commission ( FTC ) and the U.S. Department of Educations Office of Federal Student Aid ( FSA ). 

Please let me know the next steps in this investigation. I can be reached at XXXX or XXXX for any further information.