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

On XX/XX/XXXX two withdrawls from my online bill pay for {$990.00} and a second withdrawl of {$990.00} both to XXXX XXXX XXXX were deducted from my checking account. Due to lack of funds in checking, a transfer from our linked saving account for {$1800.00} was sent to checking and a {$12.00} transfer fee incurred. My wife and I called our bank, Wells Fargo, and reported these transactions as fraudulent. We did not make these payments or withdrawls and no one else known to us was in possession of our bank cards or had our account information. Wells Fargo opened an online fraud case ID # XXXX. On XX/XX/XXXX Per Wells Fargo instructions our checking and saving account we're closed and we opened new accounts at our local branch. On XX/XX/XXXX We filled out and returned the requested affidavit of online fraud as requested by Wells Fargo. We explained we were at the intersection of XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, PA while waiting for an appointment on XX/XX/XXXX. This is not the best part of town and we were on my new cell phone while waiting for appointment. We believe my phone may have been hacked during our visit to that location. My wife has made several requests to speak with a bank investigator, to no avail. We believe we have the IP address for that location saved in my phone. On XX/XX/XXXX the bank has not returned our stolen money and has denied our claim ( which included an undisputed withdrawl of {$1800.00}??? ). We have disputed this finding and an escalation has begun ... case # XXXX. We requested another call back from an investigator but no response. This whole process with communicating with Wells Fargo has been a nightmare. Being transferred from one department to another, departmerts unable to locate our case number. Call backs were promised but not delivered. Our original case included a withdrawl of {$1800.00} which we did not dispute. Oddly enough our funds appeared back in our new checking account on XX/XX/XXXX and disappeared again on XX/XX/XXXX. My wife called the bank to be told the money was not returned it just appeared that way when transferring over to the new checking account.
Product: Debt collection

Dear Portfolio Recovery Associates : I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof of Claim. As per the Fair Debt Collection Practices Act ( FDCPAL ),

15 USC 1692g, I am formally requesting comprehensive validation of the alleged debt.

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Name and address of the original Creditor. 
XXXX. Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the original creditor. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX Portfolio Recovery Associates ) and me that authorizes the collection of the alleged debt, along with any transaction binding me to an agreement to pay your company. 
XXXX. Proof of photo identification ( i.e., drivers license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
XXXX. Letter of sale or assignment of from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt ). XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX, XXXX ) + information relating to the purchase of a bad debt is not proprietary or burdensome. 
XXXX. Proof that you are authorized to collect the debt on behalf of the creditor by providing the Assignment Contract.

9. Verification of the debt is within the statute of limitations.

10. Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiffs debt, 3. ) How the total amount was determined and 4. ) A list of documents that authorize the collection of debts ).

In the event you will not or can not send all demanded documentation or can not validate every charge you state I have made to make this balance, then I demand this issue be resolved and dropped in full. I wish to point out I am going by the FEDERAL LAWS & I expect for your company to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days, and the creditor has not updated the information nor provided proof or documentation in regards to the late payment. They have not supplied this information and they must the late payments reflecting on my credit report. Under federal olaw they had 30 days to complete this investigation. They must remove these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XXXX XXXX, XXXX, I tried to electronically freeze my credit file with Transunion. At the end of the process, I received an error message with a number to call to freeze it over the phone. Today, XXXX XXXX, I called and after 30 minutes of questions, I was told that the if I froze my credit account that I would have to send them social security verification in order to lift it. They told me someone had filed credit information showing " XXXX '' as a suffix and that was causing them a problem. I 've been living at the same address since XXXX and have always used " XXXX '' as a suffix although on some credit cards do not use the suffix. 
Surprising, I had no problem implementing a credit freeze with XXXX, XXXX and XXXX. The persons I spoke with then gave me a telephone number to answer questions about a security freeze. I dialed it and viola, it is their number to call in order to sign up for their identity monitoring programs. I 'm totally sick of companies like Transunion trying to make a buck on the misfortunes of XXXX XXXX XXXX citizens and, as much as I hate to advocate it, it is time for the US Government to get involved.
Product: Debt collection

This company reported an account from XXXX on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries and asking for their removal 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
Product: Debt collection

The company FINANCIAL ASSISTENCE INC AND XXXX XXXX REFLECTING TWICE SAME ACCOUNT on my credit report affecting my scores adding extra charges interest
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, XXXX, XXXX, And Experian and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX has removed this incorrect negative file off my reports as of today & I feel that Experian and XXXX should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I tried to temporarily lift a security freeze on my Equifax account using the website, at XXXX XXXX. 

The website was unresponsive after I got to the " lift freeze '' step, and then after clicking " refresh '' and retrying several times I finally got through to a screen that simply said " We can't complete your request right now ; try again later. '' I also tried to call Equifax but they are closed after XXXX. 

I have a deadline of XXXX to lift the freeze so that I can take advantage of a good mortgage rate and get the rate lock in place. 

Note that Equifax is required BY LAW to lift a freeze within one hour of a request, either on website or phone. Their phone lines are down, and the " unfreeze '' button on the website is broken. 

It's possible I'll miss out on a good interest rate due to Equifax 's incompetence. 

I don't understand why these scammers are still allowed to operate. Clearly the lawsuit they lost hasn't made them fix their corrupt operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX, XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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 consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$8000.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 sent a multiple inquiry removal letter on XX/XX/2021 by certified facsimile in order to dispute information, in regards to 21 hard inquiries, that were being reported on my credit report. They received the letter few days after and completed the requested-on XX/XX/2021, the request that I submitted included all 21 hard inquires that were not factual and I received the same process for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must DELETE the disputed information from it file. The fact that I received a response withing 7 days or receipt of certified mail, one can assume that there was no investigation into this matter whatsoever. Im submitting this complaint due to the LACK of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness a consumer.
Product: Mortgage

I was denied a mortgage after having received a preapproval letter. The reason given was that I could not show regular income. Im recently retired and living on savings. I have over $ XXXX in retirement accounts. I have not started taking money out of the retirement accounts because I have other money available that has already been taxed. My current rent is {$3300.00} per month. I have the cash for the down payment. The loan amount is {$500000.00}. The P & I plus taxes and insurance is estimated to be just under {$3000.00} per month. My wife and I qualify for {$3900.00} per month in social security starting in XX/XX/2020. There is absolutely no risk that we wont be able to make the payments on the loan. We have very low debt and great credit. In our past history of home ownership we have never missed or had a late payment. I was told that their underwriter has stricter rules than XXXX XXXX and that was why we were denied for the loan.
Product: Checking or savings account

XX/XX/XXXX To : Wells Fargo From XXXX XXXX Re : Check Fraud On XX/XX/XXXX I have spoken with Wells Fargo 4 representatives XXXX ; XXXX ; XXXX XXXX and XXXX XXXX regarding claim or Case # XXXX. I was given phone number XXXX regarding this case. I have spoken with XXXX XXXX on the same day by telling him that there are 3 issues especially two cashed checks without my consent in XX/XX/XXXX and XX/XX/XXXX. He has asked me account number over the phone. I told him that my phone could be monitored by someone else that I can not disclose my account number over the phone. Most important due to the terrible experience with Theft XXXX XXXX, I can not release my account number over the phone. XXXX XXXX has asked me to go to banking branch.l On XX/XX/XXXX I went to banking branch located at XXXX XXXX XXXX XXXX in Washington DC XXXX. I have brought over check Image and showed to branch manager. I was misled and terribly treated by this branch staff especially their manager. OnXX/XX/XXXX I was throw out by this branch and all my accounts were closed. Today when I showed two checks images to this banking branch manager, he used all kinds of excuse to push responsibilities. 

I told him according to the checks image, my name was on the check as payee. I NEVER authorized anyone to cash my checks. I was only person who had business relationship with original issuer. My mailing address was on the check. Therefore there was no any second person who has same name with me according to these 3 identification facts. 

On the back of the checks, it clearly showed someone else 's endorsement which I totally can not recognize. I NEVER authorized anyone to cash the attached two checks on my behalf. Each check was {$370.00}, total {$750.00} issued from Wells Fargo. 

As a check fraud victim by suffering such type of insult, I was very upset at XXXX XXXX XXXX Branch. However I never received any assistance when I asked this banking manager to file fraud claim as well as obtain fax number so I can fax over the copy of canceled checks. 

Then this manager begin to ask me to leave. Same as XX/XX/XXXX. He also stated that He want to close all my accounts if I continue to file complaint. I told him that I brought my complaint to the bank since XX/XX/XXXX to Wells Fargo. Why do you continue to defraud consumer? Why didn't you investigate and put theft to jail? Why discrimination continue existed? 

Since I already went to branch 5 times and filed at least 2 complaints sinceXX/XX/XXXX. Most recently on XX/XX/XXXX I filed claim with case # XXXX. I tried my best to contact this bank to collect stolen funds. I must claim {$750.00} plus 20 % interest plus {$100.00} late fee each month plus my gas fees. ( CHECKS  IMAGES AND POLICE REPORT HAVE BEEN ATTACHED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure that you get a lot of unsubstantiated vague allegations, and I apologize for adding to the pile. However, as a matter of justice, equity, and transparency, I must complain about the how the credit bureaus act arbitrarily, unfairly, and I suspect in discriminatory ways. 

I recently have had the good fortune of being able to pay down {$10000.00} of my credit card balances. My score had dropped because I had high credit utilization ( which makes sense ). In an effort to reduce my credit utilization, I made extraordinary efforts to find a way to reduce my debt by {$10000.00} in less than 3 months. As I result, I have seen a significant drop in my credit score, which is illogical. When I researched why this could happen, I found an abundance of credit industry crafted marketing material masquerading as informal opinion about why a drop could occur. 

1. I ask that the CFPB investigate the credit bureaus to inquire as to why and how they drop credit scores when revolving debt is paid down ( since the information is proprietary ). 

2. Require credit bureaus, financial, credit, or lending industry assn 's, and others to disclose that they are providing advertising information and not objective information when they seek to provide credit information and often suggests that the way to improve your credit score is to seek additional credit, which is very convenient for them. ( there are 1000s of industry written opinion pieces that conceal a clear conflict of interest ). 

3. I also ask that you investigate how the 3 bureaus use an individual 's gender, race, or information that can be used as a proxy for race ( e.g, zipcodes ) to determine credit scores and to what extent they account for documented racial bias in the financial services industry In general, I think the credit bureaus essentially act like a government actor in that they have the ability to prevent your access to finances, educations, homes, and jobs, yet they don't seem to be regulated and they are not required to provide consumers with any transparency about their decision making. In addition, consumers subject to their determinations, without ever formally opting in with the credit bureaus, so consumers have no standing or recourse to get any information from the credit bureaus. They are also notoriously hard to get basic customer service information from as many will not even take phone calls from consumers. 

Americans should not be subject to an all-powerful, private entity without any safeguards against overreach, or any formal public oversight that regular demands that the bureaus provide transparency. Also, I have grave concerns about bureaus funded by the financial service industries and wonder what measures for independence are in place. 

Apologies for any typographical errors. I appreciate your consideration although I understand that this is the type of case that you willl likely dismiss on its face. I want the historical record to show that Americans complained and sought assistance. 

Thanks for your hard work.
Product: Credit card or prepaid card

I have an account with XXXX and I have been attempting to pay my bill online for several months only to be told by the system that I have no balance and no payment is due. I received a bill through the mail stating I have a past due bill totaling XXXX with a past due amount of 80.00.I called the customer service number and after being transferred to 3 different people I was transferred to XXXX id XXXX XXXX. She apologized saying there has been a problem with the system. I again explained how I have attempted to make payments but the system says I don't owe anything. She asked if I had called in to speak with someone and I informed her I had not seeing the system says there isn't anything due. I asked if the past due amounts would be reversed since it was the company 's system that gave erroneous information. She told me they could only remove 1 month and the balance after subtracting the late fee of ten dollars would be XXXX. I told her that was the amount of the bill i have before me and she stated the amount is XXXX. At this point I don't know what is true. I am being penalized for something that is entirely the company 's fault and being reported to the credit bureaus as having late payments
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX  business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. XXXXXXXX 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 XXXXXXXX
Product: Debt collection

Caliber Home Loans is suing me in Massachusetts Land Court for a time-barred loan. The docket # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural persons o Al a living human being. I have rights under 15 USC 1681.

Equifax is govern but 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX