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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to California FCRA Identity Theft Fraud Laws Dear WELLS FARGO, I am writing to bring to your attention a serious violation concerning the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), California Civil Code Sections 1785.11 ( a ) and 1785.25 ( a ), and identity theft fraud laws, specifically California Penal Code Section 530.5. 

It has come to my unequivocal attention that WELLS FARGO has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as delineated in the FCRA, explicitly mandates that consumer consent is an absolute requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.11 ( a ), emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 1785.25 ( a ) of the California Civil Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, underscore the seriousness of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WELLS FARGO to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing damage to my creditworthiness, and a disregard for federal and state laws.

I demand, with utmost certainty, that WELLS FARGO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Sections 1785.11 ( a ) and 1785.25 ( a ). Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WELLS FARGO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize this inquiry, nor do I have any existing or previous relationship with the creditor or institution listed. As a responsible consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized.
Product: Checking or savings account

I been charged a lot of OOPs fees from XXXX  XXXX. Too many dates to write. I been with them since 2019
Product: Credit reporting or other personal consumer reports

Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, $ 0 monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX., I was shopping at the local XXXX XXXX store, located at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX. Usually when I shop at the store, I use my debit card to pay for my purchases, but occasionally, I write a check from our XXXX XXXX account, also located in XXXX, Washington. I have never before had a problem with writing a check and have been shopping there since the store was built in XXXX of XXXX. On this particular day, my check was declined. I was told that I needed to use another form of payment. I ended up using my debit card to pay for my {$300.00} in purchases, which I did not want to do as the person directly ahead of me in line had a severe XXXX  or XXXX and sneezed all over the card reader. When I asked the clerk why, they said that they used the company XXXX to verify if a check is acceptable or not and that I could call the company directly by using the phone number listed on the receipt to find out why. 

I tried several times to speak to a human but got nowhere. It was an automated service that directed you to submit a request for your information on file to be sent to you, but no information was given as to how to find out specifics or to have errors corrected. The grocery receipt printout stated the following : Date XX/XX/XXXX, Time : XXXX, Check amount {$300.00}, Reference # XXXX, XXXX  XXXX # XXXX, check # XXXX, We are sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from Certegy Check Services , Inc. Certegy provides authentication and risk management services to merchants and businesses nationwide. Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information in Certegy 's file is inaccurate or incomplete, you have the right to dispute it with Certegy. You may reach Certegy at XXXX : toll free at XXXX, or write to Certegy Check Services , Inc. XXXX XXXX XXXX, XXXX, XXXX. 

We have used the same XXXX XXXX  for a number of years, have maintained several thousand dollars in it for a number of months, have not ever been late on any payment, credit cards are for the most part paid off monthly, our home mortgage is paid off, we have a stable income, my XXXX score is over XXXX, and I recently inherited my fathers estate, which is substantial. I can not for the life of me understand why my check was declined. Any help with this would be very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cell phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I should not have to beg for my credit report to be accurate. I have contacted you multiple times about the accounts that are still in litigation, and nothing has been done. My credit score is suffering because of this mistake, and Im beyond frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan company XXXX  XXXX XXXX XXXX XXXXXXXX ( XXXX ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call XXXX they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major security breach and my information was stolen. I did not consent for this to happen, and am now going to have to spend my limited time and money mitigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX Bank about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " Credit Score : XXXX - via XXXX, Equifax, and XXXX. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- XXXX is a XXXX, XXXX is a XXXX, and Equifax is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a Federally Protected Consumer, I am now Opting out of Any and All, Authorizations, I the Cosumer XXXX have given you, written, unwritten, Verbal and non-verbal, per ( XXXX XXXX, Blank and Period XXXX Effectively and indefinitely.Please respond in a timely manner.
Product: Debt collection

recieved a letter yesturday from XXXX XXXX XXXX about a wage garnishment starting XX/XX/XXXX from jefferson capital from a debt from XXXX from a online acct not belonging to me inwhich I currently have a acct with in good standing. I had to reach out to the attorney general because this debt was never validated with me showing i own this debt and it's also reached its satue of limitation to collect or sue fir a debt of 12 years the statueof limitation in ny to collect on a debt is XXXX yesrs. .I reached out to original merchant and they said it was sold to jefferson in XXXX. And had no information on the acct. I will also be going down to XXXX XXXX XXXX house this am to inform them aswel of me contacting the attorney general on this matter. There's also no record of this debt on my credit report. I never got court papers to appear but I get a income execution paper mailed to me. Very strange.
Product: Mortgage

Property was sold and closing occurred on XX/XX/2020. Final Payment of loan balance was paid to PennyMac on XX/XX/2020. PennyMac has not issued a check for a refund of escrow account. I have contacted PennyMac customer service 3 times, and in all occasions I was informed that a check would be sent on that same day ( meaning previous phone calls never triggered a check to be sent out ). 
I have run out of options.
Product: Student loan

Good afternoon, I spoke with someone in 2024 about taking my student loans out of in-school status. I called and they said I had to submit a form, after speaking with employee today they said they see I submitted the form and as of today my loans still say " in school deferment ''. This is a huge issue for me because these months do not count towards public service loan forgiveness. After speaking with a representative today at XXXX XXXX I was told my form was submitted and in the old platform before Mohela switched over. I am currently being transferred to another representative and told the wait will be XXXX hours and XXXX minutes. I really need immediate assistance as I asked for this request was last year. My number is XXXX. 

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

Experian is updating incorrect information about fraudulent account from XXXX. The XXXX account has no account number in my credit file. There's no signature by me agreeing to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when XXXX XXXX tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

XXXX XXXX says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and XXXX XXXX refuses.
Product: Credit reporting or other personal consumer reports

I do not agree with the previous response received from this company!! I am not liable for this debt of {$430.00} with LVNV FUNDING LLC, LVNV FUNDIN LLC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested wit my wet signature and ID verification. Also on my recent report it is showing a positive payment history of on time payments going up to XXXX and that the account opened in XXXX of 2022 but how is that possible if I never had a contract with lvnv funding llc! I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hi my name is XXXX XXXX ( XXXX ) XXXX, and I received a direct deposit of {$10000.00} on my American Express Serve Prepaid card XX/XX/2021 from SBA.Gov Dept of treasury and I was able to access my funds that day only withdrawal {$750.00} from atm and transferred {$1000.00} to my card secondary savings account. Come XX/XX/2021 I tried to access my card via web at first it said temporarily closed, so then I called customer serve number on the back of the card XXXX spoke with a lady she act like she could not give me any info, so then she transferred me to a guy he said it seems I violated their card policy but could not tell me what the violation was!? So we got disconnected I called another number my mom found on XXXX got ahold of a rep explained issue and they put me back through the line to the number I called above, however this time a lady listened to me but told me it was nothing she could do on her end with, y account being closed, however I could write their corporate office and get my situation resolved in 7-10 business days after receipt of letter, asked what to put in the letter she was no help with that, and I told her ma'am how can they hold someone money and not give them access or no real explanation about and I stress that I felt they have scammed me! the lady gave me XXXX XXXX XXXX XXXX, Ga XXXX address to sent a letter. I talked to my mom and she told me to write a letter asking for release of my funds left in the account of {$8200.00} and that my funds was legit from the SBA Dept of Treasury and we included my card aact number, my ID, and all the paperwork from SBA showing proof funds were legit. The letter and all this was set same day XX/XX/2021 and tracking showed they received the letter XX/XX/2021 and now it is XX/XX/2021 and still no response back from the company, and now when I called they have all my access info blocked unless I call from another phone!? Please someone help me retrieve the rest of my funds!! I called SBA about said they was not able to retrieve the funds but encourage me to update my banking info in their system to stop further funds from going to that account and that I did hopefully in time!! 


( my address ) : XXXX XXXX XXXX XXXX, Tn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX XXXX and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card

I had an issue with Wells Fargo and their ACH Payment system. 
The first payment ACH was set for the minimum payment. But they charged me the full amount. This happened on XXXX/XXXX/16. I called them about it and they fixed it. And the automatic payment was XXXX after-that. However, they made another attempt AGAIN on XXXX/XXXX/16. I called them yet again and they said they fixed it. BUT on XXXX/XXXX/16, they tried again. Therefore, I have XXXX insufficient item. I did not authorize the second and third payment! OTher people are having this problem and Wells- fargo even though I called them XXXX, IT DID NOT GET fixed when they said it did.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about multiple inaccuracies on my credit report. Upon review, I have identified several errors, including incorrect account listings, inconsistent billing information, and accounts that do not belong to me. These discrepancies jeopardize my financial well-being, and I urgently seek your assistance in resolving them.