23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Wells Fargo in XX/XX/XXXX stating that they have charged me late fees for the months of XX/XX/XXXX and XX/XX/XXXX. They further stated that the late fees were for payments received on the XX/XX/XXXX of the month. This is contrary to the monthly statement, ( a legal document ) which is sent out by Wells Fargo which clearly states that late payments are those that are received after the XX/XX/XXXX of the month. I have attached and circled a monthly statement showing where Wells Fargo is saying that late payment is after the XX/XX/XXXX of the month. This lines up with the terms of the VA loan at close. 
It is not true that I was late either of those months, and both payments were received on or before the XX/XX/XXXX. In fact in nearly 10 years of payments, I have only one payment that showed up a few days late. In the month of XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX and in XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX, both on time according to the monthly statement furnished by Wells saying late after the XX/XX/XXXX,  which again is in-line with the terms of the VA closing contract That contract has been made available before here at CFPB during the 3 years of complaints lodge here against Wells Fargo.. 
Over the past 3 years XXXX XXXX has been many things in its relationship with me, but professional is not a term I would choose. Every month they send late statements before the payment deadline. They use that to pilfer the very solvent escrow account by taking money that would otherwise be place in escrow and put it in an undeclared funds account. They manufacture and enable this misapplication by pretending that the account is late, when in fact is its not late until after the XX/XX/XXXX according to both the Veterans administration and Wells own statement, ( see attachment ). 
They have back tracked numerous occasions, including having to restore miss appropriated funds, falsely billed for shortages then a few months later and send me checks for overages. These backtracks only happen after Wells burdens me to complain and escalate those complaints before they act. They have been inconsistent and certainly not meeting the bar expected for accounting professionalism and ethics. I am, like many others, without trust in Wells Fargo, due to the lack of honesty and their abuse of laws. I really dont understand why the Federal Government continues to do business with them.
Product: Credit card or prepaid card

Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a request to Equifax to investigate Account Name : XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. Equifax responded on XX/XX/2022, and said that XXXX XXXX XXXX had been deleted from my credit file but I learned later that this was NOT ACCURATE after obtaining my consumer report. XXXX XXXX XXXX was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. On XX/XX/2022, Equifax also reported that XXXX XXXX XXXX XXXX was not reporting on my consumer file but I later learned that was NOT ACCURATE after obtaining my consumer file. This account was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. Equifax responded on XX/XX/2022, that they completed the reinvestigation and they verified XXXX XXXX. Who is XXXX XXXX?? I did not request an investigation for this account because it is not on my consumer file. How did they do a fair and accurate investigation if they verified an account that is not on my consumer file? Equifax also responded that XXXX XXXX XXXX was verified but how was it verified if they reported to the CFPB on XXXX XXXX XXXX, that this account was deleted. Equifax has violated my right to privacy in accordance with 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 an account without my written instructions. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the consumer file. I demand that these inaccurate accounts be deleted.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX  Open Date : Account # : XXXX Routing # : XXXX Bank : XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX Open Date : XX/XX/XXXX Account # XXXX Routing # : XXXX Bank : XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  Open Date XX/XX/XXXX Account : XXXX Routing # XXXX Bank : XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

My checking account was closed with {$700.00} in it and I have yet to received it. I called Citibank and then not telling anything Just that I cant get the funds in account
Product: Bank account or service

I logged in to view my online banking and the top of my account listing it welcomed another person with their account information. 
BB & T Corporation ( Branch Bank and Trust )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , HI XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXXI, HI XXXX ; XXXX XXXX XXXX XXXX , HI XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I was contacted by a collections agent in XXXX XXXX regarding a late payment to TD Bank, NA, for a XXXX XXXX account. When setting up the account, I elected the autopay feature, which effectively paid my balance monthly. I stated this to the agent, and she confirmed that I was enrolled in autopay. However, she then told me that when the phone is paid off and the account reaches a XXXX balance, the autopay feature stops. This was never communicated to me prior to enrolling in autopay. 

Although there was a XXXX balance at that time due to the phone being paid off, the insurance for the phone was still being billed to that account. I assumed the account was being paid off because I had previously been enrolled in autopay. TD Bank, NA, then assessed late fees and negative reports to the credit bureaus. The " late '' payment ended up significantly adversely affecting my credit score and history, although I have never had any adverse actions in the past. 

I was instructed to fill out a XXXX XXXX Credit Report Dispute Form and wait to hear back from their institution.
Product: Debt collection

The debt collector called me on XX/XX/23 and said this was a " financial matter '' I told him I was not interested and hung up the phone. He called me again on XX/XX/23 and said this was a financial matter. I said I was not interested in buying anything. He said he wasn't selling anything and he worked for XXXX and wanted to collect on a debt I owed. I explained that I know you are a third-party debt collection agency and you don't actually work for XXXX, and besides, the debt I allegedly owed was already handled by my insurance company. He did not give any disclaimers that this call was an attempt to collect a debt. He misrepresented himself as working for XXXX when in fact he works for a XXXX party collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact   XXXX   and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculous.  XXXX  is the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the  date  of Settlement  is  XXXX / XXXX / XXXX . I am requesting from the   XXXX   a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's credit score. Thank you!
Product: Checking or savings account

SINCE XX/XX/XXXX CHASE BANK LEGAL DEPARTMENT HOLDING MY CHECKING ACCOUNT # XXXX FOR NO REASONS AND ON XX/XX/XXXX THEY WITHDREW {$1500.00} WITHOUT ANY NOTICE. NOW I AM TRYING TO GET FACTS AND INFO BUT THEY ARE NOT PROVIDING ANY. 
I STOPPED BY AT CHASE XXXX BRANCH TO GET JUST LETTER TO SHOW MY CPA ATTORNEY XXXX BRANCH MANAGER XXXX XXXX NMLS ID:XXXX REFUSED TO COOPERATE AND FLATLY REFUSED TO PROVIDE ME LETTER, CHASE BANK NOT PROVIDING ME WHAT I WANT TO KNOW. 

WHICH LEGAL DEPARTMENT HOLDING MY ACCOUNT??? 
WHY THEY ARE HOLDING? 
WHY THE WITHDREW {$1500.00}? 
WHERE THEY SENT THIS {$1500.00}? 
HOW LONG THEY ARE GOING TO PLAY WITH MY ACCOUNT? 10 DAYS? 10 MONTHS? 10 YEARS OR LONGER?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I am submitting substantial proof that my XXXX credit card account is current and paid as agreed. I contacted XXXX in regards to a deragatory remark that is on my credit report. I received this supporting documentation that the account is current and remark to be removed. This account is showing as potentially negative when it should be showing as account that is satisfactory.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Crediting Reporting Act ( FCRA ) to reasonably re-investigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection ( CFPB ) bureau recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of disputed outcomes adequately. These failures align with my experience where experience has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experienced in action, valleys, federal law, and my rights as a consumer.
Product: Credit card or prepaid card

Everything thats on my credit report is due to identity theft and fraud CAUSED BY MY EX WIFE, XXXX XXXX ( AKA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX. She has opened mass amounts of credit cards without my permission or my consent which has to talked over {$80000.00} approximately 18 credit cards IN MY PERSONAL NAME. NOT OUR OR US. 
* IT WAS ALL HER OWN DOING WITHOUT MY KNOWLEDGE. My ss # XXXX DOB : XX/XX/XXXX. 
TIL THIS DAY, SHES ALSO DOING IT TO OUR YOUNGEST SON, XXXX XXXX. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX. 
*** SHES OPENED MORE CREDIT CARDS IN HIS NAME WITHOUT HIS KNOWLEDGE, PERMISSION NOR CONSENT! SHES RACKED UP/MAXED OUT THOSE TOO. She's ALSO opened a false NEW YORK STATE UNEMPLOYMENT claim under XXXX name. HE got stuck paying unemployment ( SHE WAS POSING AS XXXX EACH WEEK CALLING IN HIS CLAIM ACTING AS IF IT WAS HIM CALLING. WHEN INDEED, IT WASNT HIM. IT WAS XXXX XXXX XXXX ACTING AS IF SHE WERE HIM ) back after he found out, in order to claim it when he, himself came time he really did need it. AS OF TODAYS DATE, SHE HASNT BEEN HELD RESPONSIBLE FOR NOTHING SHES DONE. ( Shell never stop. Been doing thus for years. I divorced her due to this, partly ) SHE, ALSO RECEIVED OVER {$50000.00} FROM AN INHERITANCE FROM HER PARENTS AFTER THEY DIED. BUT HIDES IT IN HER SISTER 'S BANK ACCOUNT IN ORDER TO COLLECT MEDICARE, SOCIAL SECURITY ETC. THATS ALSO FRAUD! SHES NOT, BY ANY MEANS DISABLED AT ALL. SHE LIED AND FAKES IT TO BENEFIT FREE FOR HERSELF. 2 DWIS SO FAR, TOO. SHE LIVES JUST TO SIT IN BARS ALL DAY. I want charges against her to the " FULLEST EXTENT OF THE LAW. '' JAIL TIME. AND FURTHER, BUT A THOROUGH INVESTIGATION. AND ALL NEGATIVE MARKS IMMEDIATELY REMOVED FROM MY CREDIT REPORT! I WANT HER TO PAY ME AND MY SON ALL MONIES BACK ONLY AFTER ALL CHARGES ARE FILED.
Product: Credit reporting or other personal consumer reports

My husband and I paid a XXXX XXXXXXXX XXXX  company to assist with exiting from a time share agreement. The XXXX XXXXXXXX XXXX XXXXompany ended up securing an Attorney who on behalf of several XXXX XXXX holders was able to enter into a settlement agreement with the XXXX XXXX. We paid the settlement agreement in full and received documentation that our account was settled/closed with a {$0.00} balance. All credit bureaus, except for one, are reporting this account accurately. The credit bureau in question has the account listed as a " repossession '' which is negatively impacting both myself and my husband. It was disputed with the credit bureau and the legal document from the attorney was provided but the credit bureau is standing by their reporting status. We attempted to contact the company but no one there will speak to us because we " had '' attorney representation. I have called the Attorney who represented us and left numerous unanswered voice mail messages. At this point we are not sure where to turn but do not feel that after paying several thousands of dollars to exit our time share legally and several thousands of dollars to settle with the time share company that we should be negatively impacted by this particular credit reporting agency.
Product: Credit reporting

It is taking Equifax XXXX times longer to review the activities of alleged creditors on my report than it took XXXX. I even provided them evidence XXXX concluded their investigation, and found in my favor. Yet, nothing has happened with my dispute since the day I filed it. 

I am. Trying to buy a home and this inactivity on their end is standing in my way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX card account is currently reporting open : XXXX XXXX XXXX and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a ZERO BALANCE