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

I sold a XXXX  and was paid with a cashiers check. i received the cashiers check and then deposited the funds into my Wells Fargo checking account on XX/XX/XXXX via a mobile deposit ( which i consistently do ). Well Fargo held the deposit for review for 10 days ( until XX/XX/XXXX ). Wells Fargo then cleared the funds and made them available in my account on XX/XX/XXXX for use with no limitations or notice as to additional time needed for the funds to settle beyond what already occurred. on XX/XX/XXXX ( approximately XXXX week later ), I received an email notification that Wells Fargo has deducted the full check amount of {$5000.00} from my account leaving me with an overdrawn balance. They told me on XX/XX/XXXX they did not know the reason why this occurred and that I had to wait until XX/XX/XXXX for the reason and that nobody could do anything. hey determined on XX/XX/XXXX that they believe the check was fraudulent and that I need to speak with the fraud department. I have spoken to roughly a dozen different people on the matter and nobody has given me an explanation for why i received the funds and then XXXX week later they were taken from my account even though the check was supposedly reviewed. They have also told me it isn't their problem even though they could have just not cleared the funds in the first place. I am now out {$5000.00} because of Wells Fargo 's negligence. This bank is a criminal organization.
Product: Credit reporting

XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : XXXX XXXX via XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.
Product: Student loan

On XX/XX/2021 I was notified via email ( Juno ) about an incentive to refinance student loans. I decided to get more information regarding the incentive and found that if I applied for a refinance loan with XXXX, I would be eligible to receive a {$500.00} reward if the following conditions were met : not current XXXX client, or received the bonus before, submit completed student loan refinancing application via link, provide valid email address and checking account number in the application, loan must be fully disbursed. I proceeded to click the external link and completed an application which was subsequently approved. I never received my reward. I contacted XXXX customer support. I was told refinance loans did not qualify for reward. I subsequently sent an image of the conditions of the reward offer from which i was referred. The rep then said he was mistaken and refinance loans do indeed qualify for the referral reward, but claims I did not click the link that would entitle me to such. I then sent images of my browser history that shows I arrived from the partner link, including time stamps. After speaking with another rep, who clearly stated that this has been frequently occurring issue with new loan applicant, I was told they have no record of my clicking the referral link despite my immutable evidence to contrary. XXXX representatives claim they have evidence my account is not associated with any referral link, but refuse to provide such evidence. XXXX is actively baiting prospective applicants with a reward they have no intention of providing.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

LVNV FUNDING, LLC/RESURGENT CAPITAL SERVICES has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. LVNV FUNDING,  LLC/RESURGENT CAPITAL SERVICES are in violation of 15 USC 1692.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a compliant on XX/XX/2020 on Experian for inaccurate credit reporting on my Experian credit report. Experian completed my compliant with CFPB on XX/XX/2020. Then I received my dispute response from Experian via email. I never disputed anything by email. My first dispute was by mail and sent to Experian XX/XX/2020. Experian didnt open up my dispute until I filled a complaint with CFPB. Then on XX/XX/2020 Experian sent me an email with the wrong name that is a whole another person XXXX XXXX regarding the XXXX account that is inaccuracy reporting thats not my name and I would like to request a deletion for inaccuracy of the XXXX XXXX account # XXXX. My correct name is XXXX XXXX first and last. I uploaded the email that supports Experian Inaccuracy and the highlighted name
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion because I feel I was a victim of the credit inquiry Issue and they refused to help me.I have several credit inquiries that I do n't even recognize and need Deleted!
I will list them, perhaps something can be done if you contact them!
 XXXX  Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (   XXXX    )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   Do you see errors in your report? SEE OUR DISPUTE   XXXX   XXXX  -130 Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Finance, personal Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (   XXXX   )   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX Type Automotive Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Banks and   XXXX   XXXX   XXXX   Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX
Product: Credit card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX a car was financed through TOYOTA MOTOR CREDIT CORP in the amount of {$29000.00} in my name I believe by persons below. 
Yes, fraudulent accounts or charges appear on my credit report Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX Phone Account now in collections. 
Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} XXXX contacted XXXX and sent all required document 's and only above names and addresses was removed nothing else fraudulent accounts remain on my credit report.
Product: Debt collection

I never received any written notification about the alleged debt, and now they are reporting false information on my credit files, continuing to call telling me they're going to take me to court. This is not my account nor my debt. I am a victim of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter.

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, and XX/XX/2023 I requested that all invalid information such as incorrect name and address be erased. As of today, they have not done it, The names aren't mine and the address is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : ACCOUNT NUMBER XXXX, ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ) Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I received a promotional a credit card application to santader bank. XXXX. 
After completed the application I received a email without any details about the application. After several times trying to communicate with the proper department a agent was able to see the application was in hold due some error. The agent save the application was fix a submitted. Than I received a email saying the credit card was approved. On XX/XX/XXXX i received the credit card with a XXXX limit .even though the credit card didnt appear on my banking profile. That is why i knew something when wrong. 
I spoke with more than XXXX agents and any one provide the solution to the issues. I requested multiple time for a manager and never is available.

Until now the information still incorrect affecting my credit.

Bank manager from customer service provided a email to contact another department and still on waiting.
Product: Credit card

Entered into an account with Wayfair, their lender is Comenity Bank ( now d/b/a Bread Financial. This was approximately XXXX or so years ago. They consistently send the bill after the due date ( for example, I received this month 's bill yesterday XXXX but the due date is XX/XX/year>. Therefore, I have for the entirety of this loan incurred late fees. I have been trying to pay it off for some time now, but I can not because I keep receiving the bill after the due date, and more late fees. ( They are also assessing late fees on the entire balance at the loan 's inception, not on the balance due ). I spoke with their representative on the phone who said he can not waive late fees. They continue to report my being late to credit bureaus, which is affecting my ability to buy a house because of my credit score. I have a perfect repayment history, except for Wayfair/Comenity . I would like for Comenity to refund all late fees assessed during the entirety of this loan, and to report to the credit bureaus rescinding their reports of late payments. 

After reaching out to friends and on social media, I am not the only person that they do this to. If they refuse to resolve the issue responsibly, they are inviting a lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$6400.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XX/XX/XXXX LAST 4 SSN : XXXX FTC Report Number : XXXX EXPERIAN Have to remove immediately the credit inquiries that I never recognize on my credit report that is a FRAUD and they have to remove it ASAP, those credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I signed up for a Capital One Money Market account on XX/XX/XXXX. My account number is XXXX. Under the terms of the bonus offer at the time, the offer stated the following : " Deposit at least {$50000.00} no later than XXXX XXXX ET on XX/XX/XXXX If you have or have had a savings product with Capital One after XX/XX/XXXX, you wont be eligible for the bonus. 
Bonus offer is not valid for multiple accounts. 
If you qualify for a bonus, Capital One will deposit the bonus money into your account within 60 days after completing the above conditions. 
Once its deposited, the funds will be available immediately. Account must be in good standing ( not in default, closed, or suspended, or otherwise not in good standing ). 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them. '' Upon depositing $ XXXX in $ XXXX installments over the period between XX/XX/XXXX and XX/XX/XXXX, I then proceeded to withdraw the funds from this account. I have since tried contacting Capital One on chat and then on phone, and proceeded to speak with a customer service representative and a supervisor who advised that the terms of the offer have since then changed and keep directing me to the renewed terms of the offer which state that the funds need to be in the account for a period of 60 days after the time passes. The terms at the time of the account opening do not have the requirements for the funds to stay in the account for 60 days. The terms of the offer were not honored for me even after fulfilling the requirements. 

I request that the {$500.00} bonus offer be honored by Capital One since I deposited the required amount during the period between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with NAVY FEDERAL CREDIT UNION, Account number XXXX. i do not have a contract with NAVY FEDERAL CREDIT UNION. i am also not liable for the debt of {$8600.00} with XXXX XXXX XXXX, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account STATE OF XXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to XXXX8 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.