23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I had noticed a addition to my credit report indicating that I had a new account with a personal loan in the amount of {$240.00}. I have never made such a account. I contact the company to ascertain how this account came into existence. 
I was told that it was me yet it was not. After several emails back-and-forth and a phone call I am left with the response being that the account was done by me. I disputed the account with XXXX and the dispute came back, not in my favor. Then the lockbox company responds back in an email saying that I need to have this report that XXXX writing to send them so they can look into it. Again I opened up no such account or borrowed any money from this company the question is who did what account did this money go to because it was not mine. Anyone does their homework like I shouldve any XXXX search of this company will show you nothing but bad review and warnings they are a scam. 

Attached youll find the convo thread with their support as well as a copy of the promissory note I allegedly signed. I did not. But the name on the promissory note is a date. And the beginning date is my name. There is no signature on the note. And its worded awfully. This isnt even a legal contract.
Product: Checking or savings account

In case you all are wondering this is why, consumer financial protection bureau is fining wells fargo and company for {$2.00} XXXX ; lack of integrity. No one is right all the time! Yes I defaulted on my payments that much is given. I have not ever denied this aspect of the situation. That is not a depiction of all the facts related to this repossession. 
In your response dated XX/XX/XXXX a letter was sent to my residence indicating a date of XX/XX/XXXX. It seems to have the right address, now, though in XXXX it must not have had this address because it did not arrive. 
So, again, I will point out : Section 3 paragraph e. 'How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back ( redeem ). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. ' According to my records, the vehicle was repossessed on XX/XX/XXXX @ XXXX XXXX  and was not sold until XX/XX/XXXX. So, why was I prevented from 'redeeming ' the vehicle in the month of XXXX prior to the sale of the vehicle? I also received a letter with a cheque on XX/XX/XXXX for {$400.00} stating 'a set-off was performed in error on my account ending in XXXX. ' I was then sent another letter with a cheque dated XX/XX/XXXX for {$5500.00} stating again that 'a set-off was performed in error on my account ending in XXXX. ' Did this set-off not occur during my redeem period? Can wells fargo and company show proof that I did not transfer funds into my savings in time to redeem the vehicle? It is also important to note that I did contact the bank in relation to the overdraft on my checking account. I was instructed by Wells Fargo personnel to 'log into to the online banking portal and turnoff the set-off feature. This will prevent any funds from being transferred from savings to checking. ' I did exactly that 6 business days prior to transferring the funds to my savings. Also, in a letter dated XX/XX/XXXX wells fargo and company stated that I claimed 'that I received none of the letters sent to me in relation to this repossession. ' That is false I never made that statement and have already attached said letters in a prior complaint to consumer financial protection bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was 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 consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, aresidential leases was signed. 

On XX/XX/XXXX, I provided expressed and written notice that the lease will not be renewed given the monthly rental rate increase. As a result, the lease was fulfilled and a month-to-month agreement was created. 

On XX/XX/XXXX, I moved out of the subject housing unit at the agreed upon date leaving the apartment cleaned and in normal wear and tear condition. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, notified me that there was a rental balance owed of {$2000.00}. I responded shortly after receiving this email that the alleged debt was not accurate, there would be legal action taken if this file was reported to the actual Credit Reporting Agencies ( given there are reporting agencies that handle residential leases and tenant history ) and choosing to post this account would cause financial losses. 

Between XX/XX/XXXX and when I moved out of the leased apartment, I received no correspondence, demands, court filings, service, letters, notification of any amounts owed, evidencing their claim, etc. 

Prior to and after vacating the unit, there were no notification of damages to the unit, charges that would be paid from the security deposit, monies owed, balances for rent due, opportunity to cure, etc. 

XXXX XXXX, Defendant decided to put this fraudulent and none credit account, on my credit report. 

Since XX/XX/XXXX, Plaintiff has been unable to access credit or conduct business, suffered profit losses and faced financial discrimination - due to this inaccurate consumer credit account. 

To date, no debt verification, validation or proof that a debt is owed has been received. Yet, the Account remains posted on Equifax and XXXX after I forwarded proof of payment. 

Its without question, if the Company had not acted in fraud, negligence, retaliation, and unjustly - I would have not suffered monetary damages in the form of credit denials from business lenders that use personal Credit Reporting Agencies to determine funding. Since the Company 's actions, I have been unable to refinance or purchase any properties given the drop in credit score directly affecting commercial transactions, business performance and economic opportunities.
Product: Debt collection

As in my other complaint, in XXXX of XXXX, I started working on fixing my credit. Upon getting my credit report I find the 2 Collections. The company is GLA Collections. Said amount owed is {$620.00}. In the last 4-6 months I have emailed, got on there site to make an inquiry attempting to pay/settle/negotiate my debt with them. Not one single time has anyone attempted to reach out back to me. Not one. I don't know how I can pay them if they won't get back to me. If it's because I demanded that my credit report be updated upon payment to " paid in full '' or removed and that no payment would be made until I had agreement in writing. These guys, pardon my french, are XXXX! They truly don't care about anyone or trying to help someone. It's ridiculous. I had also disputed this debt because datescarw incorrect. Denied. I just need someone to help me out with these guys. It's been 6 months and I have not got one single step ahead with them.
Product: Debt collection

Midland Funding levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a retired and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX XXXX who charged off the debt in XX/XX/XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to Midland Funding in XX/XX/XXXX for pennies. Midland Funding filed a civil suit and never serve me and got a default judgment in XX/XX/XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact Midland Funding and spoke to XXXX XXXX at XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without Midland Funding authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
Product: Debt collection

This company failed to provide any official mail to my address to verify this debt, I asked for footage of me physically entering the gym and I also asked for a liable signed document that I obtain a membership and this gym and they failed to provide no evidence
Product: Mortgage

In XXXX XXXX XXXX XXXX transferred my mortgage to Selene Finance in the middle of a loan modification that I had been trying to get since XXXX. Well I was denied that modification and forced into bankruptcy. My bankruptcy closed in XXXX so I again requested a loan modification, I was denied modifications twice in XXXX, then twice in XXXX. Finally in XX/XX/XXXX XXXX  XXXX XXXX said I was approved for the HAMP modification, problem was the new payment amount was over {$100.00} more per month than the original payment, the principal did not go down it went up and I was never ask to fill out a new modification application after the original modification was denied so my income was not even the same 3 years later. Then I made my first two modification payments to XXXX XXXX XXXX and they transfer my loan to Selene Finance, and I sent them my 3rd trial payment ... .after that fought them over a year for the modification. They say they could not get the paperwork needed from XXXX XXXX XXXX, however they end up sending me the modification paperwork in XXXX and once again does not have me fill out a new application so this is like five years after the original application was submitted, the payment was still over {$100.00} more than the original and the principal was now {$30000.00} more than the origiinal loan amout was, but I was desparate to keep my home so I signed them. Then in XX/XX/XXXX I lost my job when the company I worked for decided to give all 300 employees a 30 min notice to get out of building because they filed Chapter XXXX and in XX/XX/XXXX I had a XXXX so I have fallen behind in my payments. Two days ago I received a notice that my home is being forclosed on and the forclisure sell ia set for XX/XX/XXXX ... .I was notified 18 days before they sale my home of 30 years.They say they dont have to gi thru the courts, I never received a copy of my deed after they took over my loan ... .but seriously 18 day notice in the middle of the winter??? And where was the home affordable modification I applied for ... .everything went up not down and I fought for this since XXXX. The whole thing is just nonsense since my income went down twice since XXXX qnd no one even gets any updated information since XXXX when processing the modification ... ..just why did the government give them all the bail out money ... .I don't get it.
Product: Credit reporting or other personal consumer reports

added information to the first dispute .... 

This additional letter provides further details to support my initial dispute, with a focus on ensuring compliance with XXXX XXXX standards. I am requesting the immediate removal of inaccurate items and corrections to my payment history. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have attempted to reach out to the company degrading this alledged debt. I specifically request red proof this debt is infacr mine. I was sent the documents attached. I am now demanding this debt bone removed from all major credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the XXXX Report XXXX, you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Checking or savings account

I am writing to file a claim against Wells Fargo based on an unauthorized charge that appeared on my account ending in XXXX on XX/XX/XXXX. The charge in question is for {$300.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and it also included an international purchase fee of {$9.00}. 

I immediately reported this unauthorized charge and filed a claim with Wells Fargo. However, on XX/XX/XXXX, I called to check the status of my claim, and I was informed that it had been denied because the system detected that it was not fraud. I escalated the issue to senior management, explaining that I had never heard of the company in question, and that it was not even searchable on XXXX. Therefore, it was clear that it was a scam. I also questioned how the bank could approve an international charge without verifying it with me first. 

In addition, Wells Fargo suggested that I try calling the company to get my money back, even though it was clear that the charge was unauthorized and fraudulent. 

The response I received from Wells Fargo was unsatisfactory. They could not provide any details about the merchant or how the system determined that it was not fraud. This is unacceptable, as it is clear that the charge was unauthorized and fraudulent. 

I am requesting that Wells Fargo refund the unauthorized charge of {$300.00} and the international purchase fee of {$9.00}. I also request that the bank conduct a thorough investigation into this matter and take steps to prevent such unauthorized charges from occurring in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from Regional Acceptance XXXX, a XXXX XXXX XXXX. On XX/XX/XXXX, I was in a head on collision and the car was totaled, and reported as a total loss. In the month of XX/XX/XXXX I signed the car over as a total loss. XXXX XXXX XXXX company was to pay off the car in full that was the agreement before I signed the car over. XXXX XXXX sent the payoff amount to the wrong company and the other company cashed the check. It was never reported to me that Regional XXXX had not received the payment until XXXX when I went to go purchase another car and the finance company told me at the dealership I still had an open car loan. I then called Regional Acceptance about the car not being paid off and was informed they never received the check from the insurance company. I notified the insurance company and they said as soon as they received the check back they would re issue a check and pay Regional Acceptance. A couple weeks later Regional XXXX received payment. Never again did I hear from the insurance company or Regional XXXX that there was any left over balance. Until I went to get a mortgage in XXXX and it was reported on my credit XX/XX/XXXX that my car was repossessed and I had not paid {$930.00} left over on the vehicle. I notified Regional Acceptance that the vehicle was never reported repossessed and that it was never repossessed the car was totaled. They kept saying they never reported the car repossessed but I have a copy of my credit report and it clearly says repossessed. I also did an address change with the post office in XX/XX/XXXX. Regional Acceptance never attempted to notify me before reporting this to the creditors. They had my correct phone number and again never contacted me about the balance leftover. I then called again and spoke with a gentleman at Regional Acceptance that said they misreported and that the late payments that had been reported from XXXX-Present should be removed. He said he would put a note in for me to file with the credit bureaus because they refused to remove what was on my credit report claiming that they don't have the power to remove that stuff only XXXX or XXXX can. I have filed XXXX claims with the credit bureaus trying to get this information removed off my credit so I can purchase a home. No one will help me, No one will explain to me what happened, and its still remains on my credit. I am just trying to get the repossession and the late payments removed from my credit so that I can purchase a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I had medicaid and they keep sending me letters and i called and told them i had medicaid and XXXX XXXX XXXX any time i went to dr or hospital, so maybe someone else used my identity and didnt have my medicaid info, ,and i am getting charged,,, ,my sister and i were close in age she is deceased now but had to go to hospital alot ... .she died from XXXX last year but she may have went as me,,, not saying for sure but i should not be responsible when i had gov insurance to pay it,,,,,
Product: Checking or savings account

XXXX XXXX, This is a follow up of complaint made yesterday. Complaint Number XXXX XXXX has again charged fees for overdraft without providing credit for returned payment. 

They again charged overdraft fee for another transaction This is the third overdraft fee they have charged for the same incident. 

Their first 2 overdraft fees of XXXX $ has caused my bank balance to go into negative. Again they conveniently charged fees by exploitating my situation. 

So they have charged a total of {$100.00} for the same incident. 

Following is email received at XXXX XXXX  I.S.T On XX/XX/2021 your available balance for your Wells Fargo account XXXX was insufficient to cover the following transactions. 
Transaction Description Amount Action Fee BILL PAY XXXX XXXX XXXX, XXXX ON-LINE No Account Number ON XXXX {$80.00} PAID {$35.00} Total Fee ( s ) : {$35.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.