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

I have attempted to fix errors on my consumer report on multiple occasions. I have two accounts that are being inaccurately reported on my consumer report for {$67000.00} & XXXX. 

Other consumer reporting agencies have deleted the inaccurate accounts from by consumer report but Transunion has willfully and knowingly ignored my demand to have them removed. 

Please be advised that " verified '' is not a legal or lawful response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My final resolution is to show proof I have advantageously tried to remove the incorrect and or erroneous credit reporting information on my credit report. 

XXXX has three outdated accounts for different about showing on my credit report from XXXX, XXXX, XXXX ( These accounts are past 10 years and should be removed ) XXXX XXXX ( account showing on credit report ) XXXX XXXXXXXX ( past seven years ) XXXXXXXX XXXX ( XXXX accounts XXXX XX/XX/XXXX XXXX XXXX ( XXXX AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my account as accurate payments on time. XXXX ending in XXXX expiration date is XX/XX/XXXX
Product: Checking or savings account

Wells Fargo advertised a bonus of {$2500.00} to any customer who opened one of its " XXXX '' checking accounts and brought a total of at least {$250000.00} of " new deposits '' to Wells Fargo. I understood* that the CD I bought ( dated XXXX XXXX, 2023 ) could be counted as a " new deposit '', though it had obviously come from a CD which MATURED on XXXX XXXX. 
All my new CD 's -- -totaling {$250000.00} -- -were bought well within the date limitations on the bonus offer. 
Local bank employee ( XXXX XXXX, XXXX branch ) asserts that my latest CD did NOT qualify as a " new deposit '', because it obviously came from the previous CD, and would not count as a " new deposit ''. 
It was my understanding from a discussion on XXXX XXXX with a different employee ( XXXX XXXX XXXX who usually works in WF 's XXXX XXXXXXXX branch ) that if I bought a new CD -- -when the existing one MATURED on XXXX XXXX -- -it would count toward qualifying me for the bonus offer. 
*I dealt with XXXX XXXX on XXXX XXXX when I bought two CD 's and opened up the Premier checking account. 
When my last CD matured on XXXX XXXX, XXXX had automatically rolled it into a new CD -- -at a lower interest rate, of course -- -but I was well within the grace period for cancelling the new CD. 
I could have -- -and WOULD HAVE -- -taken the $ money from the CD which matured on the XXXX, across the street to another bank and then written a check on THAT bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX, XXXX, TX, XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Dear Sir/Madam, I am writing to inform you that I have recently become a victim of identity theft, and as a result, several fraudulent accounts have been opened in my name. I am formally disputing the following accounts and charges that have appeared on my credit report : XXXX. XXXX with XXXX XXXX XXXX XXXX. XXXX with XXXX XXXX XXXX Under Section 1681o of the Fair Credit Reporting Act ( FCRA ), I am entitled to damages for any negligent noncompliance by credit reporting agencies in handling my dispute. Specifically, this section allows for the recovery of actual damages sustained as a result of the failure to comply with the FCRA, as well as reasonable attorney 's fees and costs.

Enclosed with this letter, you will find the following documents to support my dispute : - A copy of my government-issued identification ( e.g., driver 's license, passport ) - A copy of my Social Security card Please remove all fraudulent accounts and inquiries related to these accounts from my credit report immediately. Additionally, I request that you provide me with written confirmation once the fraudulent information has been removed. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went inside XXXX XXXX branch located in XXXX, Ga to do 2 wire transfers in the amount of {$30000.00} and {$40000.00} dollars. I had a mortgage closing on XX/XX/2022 at XXXX. So on XX/XX/2022 I called Wells Fargo corporate department customer service and executive dept. they stated they could not help and directed me to the branch. As I went to the branch I spoke to the manager XXXX XXXX, asking her what happened to my funds? She contacted Wells Fargo wire department. They told her there was compliance issue and needed more information as in date of birth and address. Wells Fargo did not contact me anything in regards to that until I had to go there myself to find out that information. The Wells Fargo branch manager told me that the wire should be there the next day. So the seller of the home alllowed me to postpone for a day only. So the closing was scheduled for the XXXX of XXXX. The next day and till this day no funds has been recieved. 

I have spoke to several people in Wells Fargo corporate office and the bank manager is ignoring me Ive sent several emails. All they are telling me is that they cant do nothing. 

Wells Fargo has my {$70000.00} I cant afford to pay rent, food, pay bills due to all the funds being taken by them. There telling me to wait another couple weeks. I lost money on the closing as well.
Product: Debt collection

Debt recovery Solution LLC. 
ref # XXXX Pin # XXXX XXXX XXXX  XXXX failed to file with my insurance company. 
Is issue was dispute a yr ago and keep reoccurring each year.
Product: Checking or savings account

I HAVE ACCOUNT WITH BANK OF AMERICE ( P.U.A ) UNEMPLOYEDMENT WITH FUND ON IT SINCE XXXX IT IS NOW XXXX OF XXXX THIS I BEEN HAVING PROBLEM WITH ACCOUNT FOR A XXXX XXXX XXXX  SOMEONE HAD GOT A HOLE OF MY ACCOUNT AND STOLE MY MONEY OFF IT AND WHEN I FOUND OUT AND DID A CLAIM TO GET MY MONEY BACK THEY TELL ME THAT I NEEDED TO VERIFY MY IDENTITY SO I DID THAT I EVEN RICH OUT TO UNEMPLOYMENT TO HELP ME WITH THIS MATTER BUT BUE TO THE FACT THAT THEY DO NOT WORK WITH ( B.O.A ) ANY MORE THAT COULDN'T HELP ME I EVEN FILE A POLICE REPROT ON THE MATTER I EVEN HAD ( P.U.A ) ISSUE ME A LATER TELLING THAT TO ISSUED ME MY MONEY THATS ON THE ACCOUNT BUT THEY TELL ME THAT CANT HELP ME ..I SEND THEM ALL THE PAPER WORK I HAD SO THAT CAN HELP ME BUT STILL NO HELP. I THEN LOST MY APARTMENT SINCE ALL THIS MY KIDS HAD BEEN PLACE WITH MY SISTER BECAUSE I COULD NOT FEED THEM ARE HAVE A PLACE FOR THEM TO LEAVE MY BOYFRIEND GOT KILLED I COULD EVEN PAY FOR HIS FUNERAL BECAUSE I CONT GET TO MY MONEY..I NEED MY MONEY SO I CAN FIND A PLACE FOR ME AND MY KIDS ..PLEASE HELP ME
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i sent XXXX dollars to a trusted source who was being impersonated by a scammer to purchase a vehicle. I had gotten a call to find out it was not the correct person i immediately contacted the bank several times to try and get my money back. I even requested the money back from the recipient. I submitted a claim through zelle and through chase they were unable to help me and told me my money was gone XXXX dollars of hard earned money down the drain due to a complete scam. I was so disappointed to find out neither parties were willing to help the app zelle let me send money immediately unfortunately they said they couldnt take the money out of the other account that received the XXXX dollars and was completely gone which i didnt understand considering its being sent through them. I proceeded to contact the FBI investigation of fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX has sold my personal information to a third party company LVnV funding LLC which is a breach of contract I did not authorize, I have told them to cease and desist from all contact phone call, emails and reporting on my credit account.I have requested a copy of the the contract from LVNV Funding LLC they have not provided.
Product: Vehicle loan or lease

On XX/XX/2020 I traded my vehicle and the dealership over paid credit acceptance by {$630.00} and they also owe me for {$1500.00} for gap insurance and {$1400.00} for my warranty. We have contacted them several times and they refuse to give us back our money. Straight out said they were keeping it and will not explain why. They said they would give us {$7.00}. This is fraudulent and I want my money back. 

They lied about the amount on the check they received from XXXX XXXX XXXX sales for the pay off. XXXX XXXX sent a check for {$15000.00} and Credit Acceptance admitted the pay off was {$14000.00}. They put it on the account like they didnt get the overpayment of {$630.00} put there is a paper trail at the dealership that says different. Also they admit they owe for gap insurance refund and refuse to give it back.
Product: Credit reporting or other personal consumer reports

URGENT MATTER Dear XXXX XXXXXXXX, TransUnion and XXXX I XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off, am writing to address the violations of 807 ( 3 ) and 807 ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 3 ) ,1 ( 1011 ), and 1031 ( a ) and 1036 ( a ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( A ).

For clarity, I would like to provide definitions relevant to this matter : - " Charge-off '' : The accounting action to remove a Debt from financial statements by treating it as a loss or expense.

- " Charge-off Balance '' : The alleged due amount on a Debt at the time of Charge-off.

- " Collection Suit '' : Any civil action commenced by Defendant against a Consumer for debt collection purposes.

- " Consumer '' : Any natural person obligated to pay any Debt.

- " Creditor '' : The person that owned a Debt at the date of default giving rise to a cause of action.

- " Debt '' : Any obligation or alleged obligation of a Consumer to pay money primarily for personal, family, or household purposes. 
- " Defendant '' : XXXX XXXX XXXX XXXX XXXX, and its successors and assigns. 
- " Effective Date '' : The date on which the Order is entered by the Court.

- " Enforcement Director '' : The Assistant Director of the Office of Enforcement for the Consumer Financial Protection Bureau, or delegate.

- " Originator '' : The person or successor in interest who extended the credit creating a Debt.

- " Pending Collection Suit '' : A Collection Suit filed prior to the Effective Date that is pending in court as of the Effective Date.

- " Related Consumer Action '' : A private action by or on behalf of one or more consumers or an enforcement action by another. 
I must bring to your attention the decision dated XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX, New York, which rejected XXXX XXXX XXXX attempt to collect on a charged- off debt. XXXX XXXX 's denial of XXXX 's motion for Summary Judgment highlighted XXXX 's own records indicating a " New Balance of {$0.00} '' and an " internal charge-off '' of the previous balance of {$4600.00}. XXXX was represented by XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX XXXX contacted my wife and I on XXXX XX/XX/XXXX to ask if we were interested in refinancing our home with an Interest Rate Reduction Loan ( IRRL ). His company had secured the financing for our home in XX/XX/XXXX so he already had signed disclosures on file. 

I was out of the country at the time so my wife, XXXX XXXX, called him that afternoon to discuss options. She specifically asked " Will you need to run our credit? '' The response that XXXX gave was " We will not need to run your credit at this time. '' During the phone call. 

On XX/XX/XXXXh, my wife and I both received notices that someone had run our credit. XXXX contacted me through text. I checked my report and it showed that Advantage Credit Inc, had Inquired about my credit on XX/XX/XXXX. 

I sent XXXX a text that day asking if he had run our credit. He stated " Yes, I pulled your credit so I could start moving forward with your VA IRRL streamline refi. '' Following that exchange he made a number of excuses as to why he did it after I told him that he was not authorized to access our credit reports. 

He then promised to send us our reports, which has not happened and to review them with us. This was on XX/XX/XXXX and we have not heard from him since then.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE items XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXXXXXX/CONTFIN this company is trying to collect a debt of {$790.00} that do not belongs to me since 2015.
Product: Mortgage

To Whom It May Concern, I am contacting you to express my ongoing concerns and to file a formal complaint regarding persistent issues with the XXXX  analysis and mortgage payments managed by your company. As a 100 % XXXX veteran, I am exempt from property taxes in the state of XXXX XXXX status that has been valid since XX/XX/XXXX. 

Previously, I submitted the necessary documentation to demonstrate my tax-exempt status on XX/XX/XXXX, which included my tax bill showing a {$0.00} amount due for the remainder of the year. After several communications, my mortgage payment was corrected to the appropriate amount of {$1700.00} for XXXX, as determined by the earlier XXXX  analysis. However, a new issue has arisen with the recent XXXX  analysis performed by your company. 

In this latest analysis, property taxes of {$7400.00} were incorrectly added back into my XXXX, leading to an erroneous increase in my scheduled mortgage payments starting XXXX. I have repeatedly informed your company of my tax-exempt status, yet the improper charges continue to be applied, which not only contradicts the state law provisions but also the documentation I have provided numerous times. 

This mistake has been causing significant financial distress and has contributed to us falling behind on our mortgage payments since XX/XX/XXXX. It is imperative that a corrected XXXX  analysis is conducted immediately, which should reflect my exemption from property taxes and adjust the mortgage payments back to the correct amount of {$1700.00} for XXXX and onwards. 

I request your immediate attention to rectify this error by conducting a new XXXX  analysis and adjusting the mortgage payments accordingly. It is crucial that your company addresses these issues promptly to prevent further financial harm and to ensure compliance with the legal benefits I am entitled to as a XXXX veteran. 

Thank you for your prompt response to this serious matter. I look forward to your swift action to resolve these ongoing issues. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent me to a collection agency called XXXX XXXX XXXX. 
I tried several times to resolve this account issue but every time I try to contact the company no one has any notation of my contact and I just keep getting sent and transferred to different extensions and disconnected. Someone used my credit card information to make purchases Without my authorization. XXXX XXXX then transferred my account to an attorney which threatened to sue me for a total of {$840.00}. I called the company and let them know that I am trying to dispute this debt but in order to stop them from moving forward suing me they said they required me to make payment which I did for {$71.00}. The only reason why I made the payment is because I do not want them to send me to court and further damage my credit. I did tell him that in the into room I will be fighting and disputing The charge account.
Product: Credit card

I had a Best Buy store card. Several months ago, I received a Best Buy XXXX Credit Card. The offer did not include the credit card terms and conditions to explain the fees, etc. so I called Best Buy. I said I did not want the XXXX card without knowing the terms and that I would keep the store card. I was told that unless I activated the XXXX card that it would not be implemented. I did not activate it because I did not have the terms and conditions. I shredded the XXXX card. Best Buy has since converted my store card to a XXXX credit card and moved over my balance. I called Best Buy on XXXX and the card department said that I would not be getting my store card back. If this is an unfair practice, I would like my store card back. I do not want their XXXX credit card.
Product: Debt collection

XXXX of Source RM was horribly rude and refused to provide documentation about a XXXX debt. When I asked for him to send me proof of the XXXX debt, he shouted that I received one from XXXX, which I did not receive. He was very rude and unprofessional and refused to sent me proof. This make me that this is fraudulent since they are not providing proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute. I disputed the alleged bankruptcy again and they claim the alleged bankruptcy was verified through LCI. This is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in several data breaches and I need help removing a lot of fraudulent accounts.
Product: Credit reporting or other personal consumer reports

HI, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX date- XX/XX/XXXX I did not authorize nor do I have knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX.. on behalf of XXXX XXXX XXXX Inquiry date- XX/XX/XXXX I did not authorize nor do I have knowledge of this inquiry
Product: Debt collection

Southwest credit systems has unconfirmed and lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET Section 604 of the FCRA. I accept no responsibility for ownership of this debt ; however, Im have tried in good faith to compromise and offer a settlement amount in exchange for written terms. I have tried in good faith, but it is apparent that Southwest credit systems does not wish to settle and accept any form of payment for the alleged Debt. If they are unwilling to, I can only assume that southwest credit systems intentions are that of a malicious nature and does not want or has ever wanted to settle this matter timely, good faith or with intelligent resolve.
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. 

XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Co ) : Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ) : Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Account # XXXX, XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, CAPITAL XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX : Account # XXXX has 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 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.