23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have deposited the check with Wells Fargo Bank in the amount of {$4700.00} on XX/XX/22 to the second alternative account I opened around XX/XX/22. Prior to this check deposit I also deposited cash to the same account. A few days later I received the letter stating that the check 's full balance will be available to me only XX/XX/22 citing " new account ''. On XX/XX/22 I immediately called Wells Fargo saying that there is no fraud or falsehood involved since I had already deposited a hefty cash sum to the same account and demanded the release of my money before XXXX-I connected my credit cards for the scheduled auto pay. The complaint was logged, but the deposit remained frozen. On XX/XX/22 I called Wells Fargo again asking to release my funds. I was connected to the escalated service department, to the agent by the name of XXXX. That said XXXX refused to provide his identification number and said that this is the bank 's usual practice to hold money for the so called " new account ' for more than 6 business days and hung up on me! In fact Wells Fargo has been holding my money for eight ( 8 ) business days!!!! Please take into consideration that the officer who opened my account did NOT say anything about these restrictions of a " new account ''. Wells Fargo put me in this frustratingly absurd situation where I should ask for my own money to be available to me?! And meanwhile should I suspect Wells Fargo using my money for its own purpose?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX Mortgage Reporters  XX/XX/XXXX Experian XXXX XXXX  XXXXXXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Real Estate, Sales and Rentals XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX  XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit
reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with Charter communications, THIS DEBT IS NOT not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft.

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform CHARTER COMMUNICATIONS bank that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

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

I have a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not XXXX  nor Equifax. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?
Product: Debt collection

XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7 . XXXX XXXX/XXXX  XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX/XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX/XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX/XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX/ XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX   XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX/ XXXX XXXX XXXX XXXX   XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX  XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30.XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX 34. XXXX XXXX XXXX XXXX XX/XX/XXXX 35. XXXX XXXX/ XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX   XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX  XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX  XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX   XX/XX/XXXX 48. XXXX XXXX XX/XX/XXXX 49. XXXX XXXX XXXX XX/XX/XXXX 50. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a previous address listed as my current address, and my current address listed as a previous address. Attempted to file a dispute online to correct address information, but the system could not confirm my identity. Attempted to call, but have only gotten the automated answering system, which connects to a busy dial tone ( not even put on hold ) when I attempt to speak with an actual agent. Because I can not contact Equifax to correct my current address, I am unable to get identity theft protection, because the identity theft protection company can not verify my identity while one of the three credit bureaus is reporting a current address that is incorrect.
Product: Student loan

Nelnet loan servicer has lost my income-driven repayment application. The customer service representative suggested that I give a verbal application via phone call. They did not send a confirmation after the conversation was complete and my verbal application did not save to my account.
Product: Checking or savings account

In the week of XXXX XXXX, my dad tried to make a deposit to my son 's bank account at Wells Fargo and discovered the account had been closed with no notification. The account name is XXXX XXXX XXXX, a XXXX by XXXX XXXX XXXX. 

Wells Fargo had targeted the account for closure and a move to XXXX XXXX. I received a letter about this sometime in the summer of XXXX. 
On XX/XX/XXXX, I met with a banker at the branch. I live in XXXX but was there on vacation. The banker cleared up all the issues with the account so that it would no longer be targeted for escheatment. I listened to him make the phone call to another department about changing the status of the account, and I updated my contact information. I have a summary of that meeting, but the summary doesnt include the phone call to get the account out of escheatment. 
A new ATM card was issued. 
Wells Fargo sent a statement dated XX/XX/XXXX. That statement notes that on XX/XX/XXXX, the entire proceeds of the account, {$3800.00}, were transferred to unclaimed property and the account was closed. My dad did not read this statement until XX/XX/XXXX. 
On XX/XX/XXXX, my dad made a {$100.00} deposit to the account. It cleared on XX/XX/XXXX. 
On the statement saying the money went to XXXX XXXX, a number for XXXX  unclaimed property was listed. While the account was originally opened in XXXX, it has been in XXXX for XXXX years now. The money is in XXXX XXXXXXXX XXXX, but XXXX XXXX system seems to think its in XXXX I was able to track it down on my own. 

On XX/XX/XXXX, I emailed the banker with whom Id worked in XXXX and never received a response. My dad emailed the branch XXXX on the same day, and she responded that she couldnt help because my dad wasnt on the account, and she gave a customer service number to call. I talked to two CS reps at that number the following day. One seemed unable to understand the problem and was very busy reading her flow chart and talking over me. The other gave me a Wells Fargo website, saying they could help me get our money back, but it wasnt a real website. Neither could see in their system why the account had been closed, just that it was closed. Neither had any idea how to deal with my problem. 

I emailed the branch XXXX on XX/XX/XXXX and have not yet received a response. On the same day, I went for the Hail XXXX on XXXX, where you @ the company hoping for competent CS doing PR control. A rep contacted me and I explained the problem. They said theyd investigate and get back to me, but no one has gotten back to me. 

These are my questions : XXXX. Why was the account closed and the proceeds transferred to XXXX XXXX a mere XXXX weeks after meeting with them to clear up Unclaimed Property issues with the account? 
XXXX. Why didn't anyone bother to notify me that this was going to happen? XXXX has my updated contact information. 
XXXX. If it was closed on XX/XX/XXXX, why did XXXX accept a deposit on XX/XX/XXXX? Where is that money now? My dad has been trying to track it down from his end, and no one will help him either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing up under my name that does NOT belong to me and I kindly request it to be removed. Please see attached letter.
Product: Checking or savings account

I am trying to link my personal checking account to XXXX  to invest and you are not letting me..please let me let my account link to XXXX  XXXX  XXXX invest with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX # XXXX have 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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, credit repair services, or other personal consumer reports

To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$2600.00} OFFICE OF THE ATTY GEN XXXX {$0.00} US DEPT OF ED/XXXX  XXXX {$24000.00} XXXX/XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$2600.00} XXXX   XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX   XXXX {$2100.00} XXXX/XXXX  XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$0.00} XXXX  XXXX {$500.00} XXXX XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED   XXXX {$7100.00} XXXX XXXX A XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Mortgage

I was in process of purchasing a house through United Wholesale Mortgage. The loan was funded however seller didn't sign the documentation and the transaction cancelled. I never took the commitment.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

On XX/XX/year> I purchased a vehicle. I specifically told the dealer they were not authorized to run my credit as I already had a pre approval from XXXX XXXX. They went against my instructions and submitted it to several banks. The dealership even sent letters to Equifax and XXXX to have them removed. When they were not removed I filed a dispute with equifax, and within 24 hours received an email that they were valid and would remain. This is not true and they did not investigate at all.
Product: Checking or savings account

A charge of {$490.00} was taken out of my account from an online cybersecurity school ironically! I didn't even know what this was until it showed u on my banking account! I called my back as soon as it was on there to see if they could stop the transaction they were like no it's pending what?? Never got a fraud notice from the back because of a large abound which they definitely should have and I even have an alert for anything over XXXX to text me nope didn't get anything from them. I called the online school which sounds shady because I have called twice and both times I have gotten XXXX is the persons name said he put the note to his boss! The online school is XXXX just want my money back! Plus o told the gentleman from the bank do not charge me an overdraft fee because my account is low and they did! The bank investigation came up with I was browsing on my phones d must have signed u for it that way! Never saw the online school ever! I need my money I can't even get back to my job because I don't have gas money and during XXXX!!