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

I have existing Checking / Savings Accounts with Wells Fargo Bank. Approximately 30 days ago I received a Rollover Roth IRA from a former employer and brought the required paperwork to a Personal Banker in the Wells Fargo XXXX in XXXX XXXX, California. It was apparent that he was inexperienced because he sent the wrong paperwork to XXXX XXXX, holder of the funds to be rolled over and a week later I had to resend the paperwork myself. After another two weeks of chaos and confusion on the part of Wells Fargo, I finally received the rollover check in the amount of {$810.00}. I contacted Wells Fargo Bank and was advised to " overnight '' the check to the XXXX, NC address Attn : IRA Processing. I XXXX Priority Mail " overnighted '' the check to Wells Fargo on Thursday XX/XX/XXXX. I checked the track and confirmed that delivery was attempted on Friday XX/XX/XXXX, Saturday XX/XX/XXXX and then the check was delivered and signed for by XXXX at Wells Fargo at the NC address on Monday XX/XX/XXXX. Today, Wednesday XX/XX/XXXX, I contacted Wells Fargo Bank and inquired the status of the check and was advised that the delivery was not in the system. Another " ticket '' was generated and Wells Fargo advised that I should call back at the end of the week.
Product: Debt collection

My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call. 

Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX. 

A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is XXXX furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Capital One Walmart credit card in XXXX of XXXX. My son applied & received the same type of card. I added all of my children to my card as authorized users to help build their credit. I always paid on time & for the majority of time kept my credit usage under 10 percent. My son had a dispute with Capital One about one of his payments. Due to this Capital One restricted my card. I called them on XX/XX/XXXX when I discover the restriction via my phone app. They said it was due to him. I explained not only was I not listed on his account he was just an authorized user on my account. I told them to read what they have listed when adding someone as an authorized user. I also explained that he didn't have an obligation to pay on my card & vice versa. I told them to look at my account history. I also told them if he's the issue to just remove him as an authorized user because I was out of town & needed my card. The only thing I received from that XXXX min conversation was him being an authorized user being the cause of me not having access to my card. They also said I'd receive a letter in 7-10 business days regarding the restriction. I still made my payment on time. 
As of XX/XX/XXXX I hadn't received a letter. I looked at my app before calling Capital One & it still showed restricted. When I called I talk to someone briefly who told me my account was closed than I was transferred so I could receive further explaination. When the second repXXXX " XXXX '' got on the phone. I explained the situation again & never receiving a letter they said I would originally receive nor one stating my account had been closed. " XXXX '' told me that the " system '' closed my account cause of my son 's account. I asked why when I spoke with someone previously. I also asked why hadn't they tried to contact me or even give me the option to remove him if it was an issue to have him as an authorized user. He repeated himself again. I said, " You pulled my credit for me to get the card. You've never had any issues with me but you closed the card negatively impacting my credit for something I have no part of. Why can't you just remove him & cut my card back on? '' He said, " Your account is closed but you can reapply if your want. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some extensive research on my rights as a consumer, it is to my understanding that you are in violation of the FAIR CREDIT REPORTING ACT on both these accounts. You have violated my rights!

15 U.S.C 1681 section 602 A. States that I have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting Agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am demanding this account be updated asap to PAID AS AGREED NEVER LATE ( PAANL ).
Product: Checking or savings account

On XX/XX/XXXX, after several offers to open a checking account and taking into account I wanted to ask for a debit card for my two daughters, I decided to open an account online. 

I followed online steps, replying all questions the process asked me, including my immigration status, so I responded that I am a visa holder who have been working in US for the last four years. Everything was ok, and once I had my account, I opened two more for my daughters, two Chase First account, associated to mine, the main one. Once the account was opened, I made a {$2000.00} money transfer from other account and configured a Direct Deposit to get the checking account offer, {$220.00} premium. 

Next week, on Tuesday XX/XX/XXXX, they locked my online access and gave me a telephone number to solve the issue. After 30/40 minutes at the phone they suggested me to go to a branch to open the account in person. 

So, I did it. On Wednesday XXXX, I was at the branch trying to solve the issue, and after more than 2 hours, my banker was able to open my account after revision of all the needed documentation they asked me. My banker, XXXX, transfer my {$2000.00} to the new account and told me I was able to open my daughters accounts online. I pointed out she to wait some days to close the account because it had a Direct Deposit configured and I wasn't able to change the payroll payment with this short notice. Of course, they didn't listen to me, and they close the 3 accounts, due to that, I didn't receive my payroll. 

Perfect, no problem, again, I opened two Chase First accounts for my two daughters and transfer them some money from the principal account. 

On Wednesday XX/XX/XXXX, I realized my online access was locked again. Same, several telephone calls trying to understand what the problem was, jumping from one operator to another... 

On Thursday XX/XX/XXXX, I go back to the branch but I wasn't able to talk to my banker, and I was helped by another employee. After several calls with other departments, he told me that Chase doesn't want to work with me, giving me no reason and worst of all, he didn't let me withdraw my money, {$2000.00}. He told me, Chase would send me a check which I don't get yet. 

The way Chase is treating me is completely unacceptable, I would like to receive a reason why they denied my account application, an apologize for all the inconveniences this situation is creating me and, off course, my money back.
Product: Credit reporting or other personal consumer reports

The credit score has decreased without any negatives added to the credit report. 

The other models for lending mortgage, credit cards, auto are even lower and unattainable. 

It list late payment there are no missed payments XXXX, XXXX, or XXXX and recent collections and there is nothing recent. 

Inquiries on the account are duplicate and unauthorized as I only do soft pulls and they need to be removed, along with the late pays, and disputed other accounts instead of leaving a comment of consumer disputed. 

The scores are being lowered also from what's displayed. 

I am so XXXX by credit that I have a constant headache and XXXX XXXX. 

Next round I sue. It's been a long XXXX years of dealing with this.
Product: Debt collection

Santander took ILLEGAL action on XX/XX/2021 when they illegally sent a third party my information and they trespassed my private property TO repossess my property! They admitted to this theft in my complaints under XXXX Santander claims the total reinstatement amount to get it back was XXXX yet charged my card for XXXX false misleading and as stated ILLEGAL. my property shouldve never been taken in the first place because I dont owe Santander any debt. The amount financed is what I, THE ORIGINAL CREDITOR, EXTENDED. If we as consumers financed it? ITS ALREADY PAID FOR in full! The finance charge is the sum of all charges! Thats why Santander can NOT validate the debt in which they claim owe. In Santanders deceptive and fraudulent contract it does not state right to rescind it does in fact state No cooling off period Which is a violation of TILA ( truth in lending act ) 15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind any violation found in the TILA a consumer shall be compensated double the finance charge! Santander ignored my first letter so I recently sent a second and a cease and desist. I am hereby exercising my Right of rescission THIS CONTRACT is CANCELLED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies  on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies  to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.
Product: Credit card or prepaid card

Synchrony bank. 
I disputed a transaction with XXXX for around {$1000.00}. 
This was around XX/XX/2020. 

XXXX did not transfer ownership to me and then took the vehicle. Vehicle was returned to XXXX and synchrony did not investigate the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, XXXX, Transunion, and XXXX. XXXX  removed the negative item based on the documentation I sent them. XXXX  and Transunion XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

XXXX  is showing the negative item on the report twice which is further impacting my credit score.
Product: Credit card or prepaid card

Comenity Bank did what they called a planned system upgrade. There was no notice of the upgrade to customers. That happened about XX/XX/XXXX. A few days later it was still not up and I got a possible fraud alert on my card and it was declined. It has not work for 2 weeks now. Their website is down. Their phone system is down or they have nobody at their phone center. Unable to make a payment view a statement or use the card. They have cookie cutter updates that do not help on their XXXX page
Product: Debt collection

They failed to validate and remove inaccurate information on my credit report. I've been disputing the inaccurate information for months on my credit report.
Product: Debt collection

Source Receivable Mangement sent me a letter on XXXX-22 claiming they were trying to collect a debt I owed XXXX  original account number is XXXX reference # XXXX in the amount of XXXX. I responded back to the company on XXXX22 asking for validation of the alleged debt you sent me back a stack of statements from the original creditor and claimed it was proof I owed this alleged debt. I sent you a letter asking for the original contract or agreement with both parties ' signatures agreeing that I would be lawfully obligated to owe you a debt you have not sent it to me as of today. Pursuant to my rights I approached XXXX and asked the following questions? Have they sold the alleged debt? they said yes. I asked to whom they sold the debt to? they said Source Receivable Mangement. I asked are they still in the process of collecting this debt? They said no since they have written it off, they are no longer in the process of collecting this debt. But in your response on the CFPB Complaint website you stated that, and I quote Source Receivable Management do not purchase or own any debt. Through the response received from the creditor I would like to inform you that your company has violated 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any forms knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is attempting to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating, your company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. Pursuant to 15 USC 1692j ( b ) any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC XXXX XXXX for each violation. If you do not remove this alleged debt off of my consumer report. I will report this to the Attorney General, FTC, XXXX and I will sue you for deformation of character and violations of the FDCPA. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone call, email, social media, or any credit reporting agencies, any further contact by your company, except a communication confirming your acknowledgment of this letter, is in violation of the FDCPA.
Product: Mortgage

My bankruptcy case has been dismissed and I just asked SPS to send me a modification. Instead of sending me a modification package they threatened me to short sale my home. It is illegal for SPS to force me into a short sale and also it is illegal for SPS to not send me a modification package. Every homeowner in my neighborhood has received a modification package. SPS is not sending me a loan modification packs because I am XXXX. I have contacted my attorney and I have placed SPS under investigation.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern ; On Friday, XXXX XXXX, XXXX I initiated a transaction in amount of {$1500.00} USD on Coinbase.com ( Page 1 ). 
On XXXX XXXX, XXXX I found out that my purchase of virtual currency was not credited to my account. I opened a ticket with case number XXXX at Coinbase customer service center and made a phone call to escalate the issue ( Page 2 ). 
On XXXX XXXX, XXXX I sent another email to check the status of my case ( Page 3 ). 
Still waiting for a response on XXXX XXXX, XXXX I made a phone call and for the second time, I escalate my issue and a representative sent me a conformation email of our conversation ( Page 4 ). 
As of today XXXX XXXX, XXXX still my account has not been credited. Hereby I seek your help to resolve this issue, and get credited by Coinbase for the total amount of {$1500.00} USD for the purchase of virtual currencies, Ive never received. Please refer to attachment on page 5 for a copy of my account activity on Coinbase website which indicates I never received XXXX ETH in total amount of {$1500.00} USD. You may also refer to page 6 for a copy of my bank account statement showing the withdraw amount made by Coinbase on XXXX XXXX, XXXX and the transaction ID. 

Please do not hesitate to contact me if you need any further information. 

Thank you so much for your time and consideration. 

Sincerely,
Product: Credit card

On XX/XX/23, credit card that I did not authorize was issued in my name by someone else for the amount {$6800.00} Credit card company that opened the account is called XXXX XXXX XXXX . I called the company on XX/XX/23 and spoke with the fraud specialist and was told investigation will be done on the case. Awaiting further action and responses from the company. I called XXXX and spoke with the fraud specialist as well about the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a written debt validation letter certified to Hunter Warfield in regards to an outstanding balance from XXXX Properties. 

On XX/XX/XXXX I received a verification of debt letter dated XX/XX/XXXX from Hunter Warfield. On XX/XX/XXXX I contacted Hunter Warfield in regards to outstanding debt, and was notified that the account had been reported to the credit agencies on XX/XX/XXXX, during the 30 day Debt verification process. 

Account reported during Dispute period, which I believe may have violated my rights under the Fair Debt Collection Practices act and may constitute as fraud.
Product: Debt collection

I contacted the credit bureau all of them and they removed it now its back on my report also I report the issues about unknown phone numbers addresses jobs that not related to me and they want remove them
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with { XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ).
Product: Credit reporting

This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, Experian.com of XXXX XXXX and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a Experian credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec 605B to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. 605B. 
Experian supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate Experian to block negative inaccurate items from my CR under FCRA sec 605B. Experian supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for Experian and ask for it to be removed. XXXX promised me that if I convinced Experian 's subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in America for ALL XXXX CRAs! 
Incredibly, Transunion has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my Transunion and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all three CRAs in XX/XX/XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order Experian, XXXX, and XXXX to delete this Public Records based on identity theft content from my file. Experian supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :