23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a Wells Fargo customer, I was alarmed to discover on XX/XX/2024, that a substantial sum of {$10000.00} had been debited from my personal student checking account without my consent or authorization. This transaction occurred between XX/XX/2024, and XX/XX/2024, leaving me deeply troubled and bewildered. 

Upon contacting Wells Fargo immediately on XX/XX/2024, I found the personal account banking agents to be perplexed and unaware of the reasons behind the unauthorized withdrawal from my account. Subsequent investigation revealed that Wells Fargo had debited my personal student checking account to offset a debt linked to a business credit card account held by XXXX XXXX XXXX with Wells Fargo. 

I wish to emphasize that at no point did I explicitly authorize or consent to Wells Fargo withdrawing funds from my personal student checking account to settle the debt of my business credit card, nor for any other business-related matter. Furthermore, I received no court order, judgement letter, correspondence from the court, certified letter or prior notification, whether by mail or verbally, from Wells Fargo regarding their intention to garnish funds from my personal student checking account. 

Despite my repeated requests for documentation proving authorization for the debit, I have received no response or explanation from the bank, even after visiting a Wells Fargo branch on XX/XX/2024, where the branch XXXX attempted to contact the agent, XXXX, responsible for authorizing the debit, without success. 

Furthermore, on XX/XX/2024, at XXXX XXXX XXXX, I received a call from someone named XXXX XXXX, who claimed to work for Wells Fargo. XXXX XXXX refused to provide any information but instead insisted on obtaining further details from me. Despite my refusal to engage without proper authentication, XXXX XXXX persisted in attempting to extract information, failing to follow the necessary security protocol. It's worth noting that XXXX XXXX seemed unaware of the withdrawal made by Wells Fargo, which raised significant security concerns. 

This entire ordeal has not only caused me considerable emotional and financial distress but has also prompted serious doubts regarding Wells Fargo 's adherence to legal and ethical banking standards.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report XXXX -700 creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

As of XX/XX/23 this morning I checked my account to see why my funds have not transferred from one account to another. Chase placed a hold on a XXXX check, then cleared the account then two days later closed the account as they said it was restricted for 10 days with no warning. They also canceled money transfers to cover checks written and charged me multiple 34 nsf fees and then canceled my transfers. They also kept my XXXX. Been on phones all day missing work to get this corrected. They keep giving me excuses and Im extremely stressed and concerned. No warnings, no calls, just closed account and kept money. Been on phone for hours and they keep telling they are trying to reopen the account after I told them Im calling the police to file fraud against the bank.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 
Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX XXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
Product: Debt collection

I was in the market to renovate my bathroom, and believed that I made the right choice at the time when selecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, NJ XXXX Ph : XXXX or XXXX a/k/a Aqua Finance to help me. It was done in XX/XX/XXXX. The problems are as follows : 1 ) I asked about the high interest rate of the loan ( $ XXXX ) ;  and why did it look like my balance was not going down. This is all new to me, and I never knew they could short-change consumers with not telling the entire story ( predatory lender ). I called several times, and they alwas blew me off. UPDATE : when searching for XXXX XXXX  on XXXX, it is now out of business. 

2 ) Aqua Finance is the same-they also have same loan and refuses to discuss why/how the amount never seems to change although payments were being made. Again, emails sent ( on their site and they refuse to answer forthright to my concerns ). 

Then to my horror, in XXXX XXXX, we had to get our kitchen ceiling attended to because it looked like it was about to fall any minute. I noticed it slightly, but never knew why. The contractor who has nothing to gain in lying to me, asked me to come downstairs and he pulled out ALL of the cement/debris the contractors stashed in my ceiling! So, not only did I have to pay to repair the ceiling, but also to properly have debris properly disposed of-which was supposed to have been taken away. It was paid for in this loan. 

Now, to date, they refuse to address why they feel no need to care about the out-of-pocket expenses that I have to deal with through no fault of my own. They were rude and abrupt saying " we have nothing to do with it and there is nothing we can do. '' The last time I spoke with them was prior to Covid-19 pandemic, and have not made any further payments because I feel was wronged, and have no need to make this up. 

Solution : My relief should come by way of cutting the loan in half, including interest rate for the fraudulent/shady practices that adversely affect me to this day.
Product: Mortgage

I have a new mortgage servicer - XXXX XXXX. They are unable to provide me a loan number so I can pay my mortgage and they keep telling me to call back. We are past my due date and my transfer date. 

I just want to pay! The reason I want to pay is obviously each payment lowers the principle amount therefore the interest that is accruing is less after each payment. However, now my principle is not being lowered as I can not pay so daily interest is higher! 

The last representative just hung up on me. I've spoken to many people. All reading from a script - no information about your loan is available. Please call back tomorrow or next week.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I, XXXX XXXX XXXX am lodging this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its relevant provisions, concerning discrepancies in the reporting of late payments for my XXXX XXXX XXXX XXXX card across multiple credit reporting agencies. 

Upon reviewing my TransUnion credit report, dated XX/XX/XXXX, it has come to my attention that XXXX payments for my XXXX XXXX XXXX XXXX  card account were reported as XXXX days late. Conversely, my XXXX report, dated XX/XX/XXXX, asserts that the account is current, with no late payments. Furthermore, my XXXX report indicates a single late payment without specifying the precise duration past due. 

This inconsistent reporting is in direct contravention of the FCRA, particularly Section XXXX, which mandates the accuracy of information within consumer credit reports. Moreover, Section XXXX imposes a duty upon furnishers of credit information, such as XXXX XXXX XXXX, to provide accurate and complete data to credit reporting agencies. 

The aforementioned discrepancies have resulted in material adverse effects on my credit score and financial integrity. As such, I implore the Consumer Financial Protection Bureau to initiate a comprehensive investigation into this matter XXXX, in accordance with Section XXXX of the FCRA, which stipulates the timely investigation of disputes and the duty to correct or delete inaccurate information. 

In light of the foregoing, I respectfully request the Consumer Financial Protection Bureau to take expedient remedial action to rectify the inaccuracies present in the credit reporting provided by TransUnion, XXXX, and XXXX regarding my XXXX XXXX XXXX XXXX  card account. 


Thank you for your attention to this matter. I anticipate a prompt resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Experian. They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my disputes from XX/XX/2020 or XX/XX/2020 where I requested method of verification. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I keep disputing a debt with the credit bureaus about a so called XXXX account. Enhanced Recovery Systems is the collection agency reporting this debt but have not provided written proof of the original contract. XXXX has ignored my requests to provide proof of the original contract as well as ERS. I have disputed this debt multiple years including 2021. Please ask them to provide proof of the original signed contract. I know my rights as a consumer and I know they have 30 days to provide proof of debt or delete it. They have not been in compliance. 

Enhanced Recovery Systems Account XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian, XXXX and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX XXXXXXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Experian : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current.

The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
XXXX. High Credit Discrepancy : XXXX and Experian : List the High Credit as {$510.00}. 
XXXX : Lists the XXXX XXXX as {$0.00}, which is incorrect and inconsistent with other bureaus. 
XXXX. XXXX XXXX Dates : XXXX and Experian : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of inquiries on my credit reports on XXXX, XXXX and Experian that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report : XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a notification to my email that an account had been opened with Chime ( without my consent ). I thought maybe someone did this by accident, so I contacted them. However somehow someone used my maiden name, social security number & email address to open an account with chime. They were able to request a credit card to be sent to an address in XXXX which has never been associated with me. I tried to change the phone number ( which was also never historically associated with me ) on the account to recover it & shut it down myself, but was unable to do so despite providing a copy of my drivers license and taking a selfie to confirm my ID matched. Additionally they issued a bank account/routing number to my email as well. Luckily because my email was used I was able to catch this pretty quickly. 

Having worked in banking & XXXX auditing specifically, this was INSANE to me. Their CIP procedures definitely need to be scrutinized as this all occurred within less than 24 hours ( XX/XX/23 ).
Product: Debt collection

On XX/XX/2020, I got a voicemail from one XXXX XXXX who claim to work for Viking client services LLC and he said I owe a creditor ( XXXX cooperation ) a sum of {$290.00}. I have not had any dealings with this people before. Even though I am a XXXX XXXX member, I never had any rental with XXXX without payment or any issue. Ive been renting with XXXX for a long time and never had any issue, so this people from Viking service just started calling me with all sort of threat and demanding that I pay them {$290.00} and if I refuse, they would get a judgment against me and all sort of rubbish. 
For the sake of this communication, my XXXX member ID is XXXX I know that XXXX   went belly-up few weeks ago, but is that a good reason to start charging people fraudulently? Asking them to pay for a rental or other fees that they never used? 
Even if there was any issue, shouldnt XXXX suppose to reach out to a valued member who gives them lots of rental business year after year? I see why the XXXX  company is crumbling down, when you dont value your members and people that gives you business, bankruptcies is not far away. 
Pls help me stop this dubious and fraudulent people off my back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}