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

In XXXX we had XXXX In our saving account in Wels Fargo bank and XXXX income per month. Because Mr. XXXX and I wanted to buy a condominiums for his old age with elevator and myself because of The age gap. I was much younger than him. so we filed an application for purchase loan loan with Wels Fargo was denied because of his age ageism and I was a woman. so we had to get loan from an XXXX  lender to purchase our property even with XXXX Savin in that bank and a good monthly annuity. 
We didn't do anything about it. But we know was discrimination. 

Then in XXXX Mr. XXXX started having memory issues and we needed to create a joint account so I could manage our finance in one account since he was not able to. our finances and mortgage and some mistakes and most importantly he wanted me to deal with them. 

we went to the XXXX XXXX Wels Fargo branch. We were insulted assaulted and accused and they literally detained Mr. XXXX for questioning him not letting him talk to me. XXXX XXXX interrogated him and me even with our marriage certificated they refuse to service us. Desperate We had to close our account and go to XXXX XXXX  to open an account and create a joint account. He was at the time at early stage of memory loss he was Still driving. so disturbed about the incident he started having XXXX  that they wanted to take him away from me and take our money. so he insisted that he wants to leave America. I had to assure him and not to let him see my tears. which Has caused me So much XX/XX/XXXX and XXXX since he has passed away in XXXX. I am seeing a XXXX  now. That incident has caused us so much financial damages and caused him pain and anguish and XXXX. And me to be humiliated threatened me to call the police on us. I need to let them know they abused my elderly husband discriminated us for loan and caused us so much pain and anguish. I am planning to file a lawsuit against them.
Product: Vehicle loan or lease

I spoke with Wells Fargo 's representative on Thursday XX/XX/XXXX and I was addressing to her my concerns that I have had for Wells Fargo for all the hardship that Wells Fargo have caused in our life from their knowing negligence. 
Unbeknownst to us, we were charged for insurance that we did not need nor request. As a result, we have received late payments marks on our credit report as well as even had our vehicle repossessed. Because of your negligence in overcharging us for a service we did not need nor request, we have experience numerous hardships. 
On XX/XX/XXXX my husband sent an email and letter to XXXX XXXX XXXX regarding our account. At that time, Mr. XXXX was informed that we were trying to purchase a home and asked for help in debt forgiveness for late payments on the account. Mr.XXXX   was also informed him that we were leasing to own because of the credit history with Wells Fargo. We were not late due to the charge of the insurance we did not need because we had our own insurance. Our vehicle was even repossessed due to the CPI that was caused by Wells Fargo overcharging and as a result we had to pay so many fees to obtain our vehicle. My husband also informed Mr. XXXX that I have a chronic illness that has impaired my ability to work and we were on one income and have been for the past few years. 

Mr. XXXX disregarded our email and the letters that were sent to him. So once again because of your negligence we ended up being XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report & there were 2 outrageous charges on my report from 2 different banks that I do not bank with.
Product: Student loan

Naviet States that it will not go back to XX/XX/2014 an apply the payments that I sent in to the correct loan that was in repayment. They applied my payment over XXXX loans although only XXXX loan was eligible for repayment. Again they have record of me sending in payments but will not give me, well my mom seeing as it was a federal parent plus loan, credit for the only loan that is eligible for repayment.They turned the loan over back over to U.S. Dept of edu. In a default status.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX  XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$790.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$5400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment for XXXX/XXXX for 30 days late. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I saw some incorrect accounts on my credit report this morning and have no clue how they got there. I checked my report as usual, but unexpected errors appeared. I refreshed my browser to check for any glitches, but the accounts remained. Because of this, Im requesting a detailed review of the documents I submitted to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX bankruptcy cases on my credit report XXXX and XX/XX/2022. XXXX and Experian states the information was furnished from Bankruptcy XXXX XXXX of Wisconsin .I have attached a letter from the Bankruptcy XXXX stating they do not furnish nor do they verify or validate this information XXXX and Experian is reporting in this report and I have furnished them and added to this report the information from the Wisconsin Bankruptcy XXXX stating they do not verify this information. XXXX and Experian is falsely stating this information on my credit report.
Product: Credit reporting or other personal consumer reports

I did file a complaint for the negative items that is on my report that I already settled and escalated to the company. they are still showing it on my report despite the creditor saying they will be removing it! some of the items has been paid but they still want to shpw it from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

incorrect information reporting on my credit report. Please delete.
Product: Debt collection

It is an Illegitimate Debt, incorrect and false report on my credit file.

XX/XX/XXXX send letter requesting more info about their report and the investigation.

XX/XX/XXXX re-resent previous letter, due to a non response XX/XX/XXXX sent a new letter requesting investigate and send me the results ( response received XX/XX/XXXX ; but, failed to give consumer required notices and disclosures under the FDCPA. Response was unethical and disrespectful ) XX/XX/XXXX send letter notifying that, they failed to investigate their entry ; provide consumer info, and disclosure of documents, and that after more than 30 days constitute to promptly drop this info according to Section 611 ( a ). ( Response on XX/XX/XXXX, stating they have reviewed the dispute and verified and it is accurate. Fail to provide me with the information, documents, disclosures ) As of now, I don't know this alledge debt to whom belongs, when was opened, what was it, where was opened, as per request on my correspondence.

Attached Letters Attached Report from XXXX
Product: Credit card

I received a credit card offer from Bank of America about XXXX XXXX XXXX XXXX XXXX credit card in the paper mail. I am attaching that offer to this complaint. As per the offer I was offered {$750.00} in statement credit for making {$5000.00} in purchases. To avail of this offer, I had to call a XXXX XXXX XXXXXXXX whose contact information was provided in the paper offer. I contacted that XXXX by phone and email ( email attached ) and told him that I was interested in using this offer. I also emailed him a copy of the paper offer that the bank sent me. Upon checking this offer with his supervisor and the bank, the XXXX XXXX XXXX told me that this offer was good and proceeded to take my application for this credit card. Being a XXXX XXXX member, I trusted the bank XXXX and applied for this card. Once I received the credit card, I met the qualifying criteria for this offer but I only received {$500.00} in statement credit as opposed to {$750.00} statement credit that was promised in the offer.
Product: Mortgage

I have submitted tons of documentation to Wells Fargo home mortgage proving my financial hardship and they continue to hound me over and over for more proof as to deter me from the process. They are clearly trying to declare more earnings to their shareholders and wont lower my mortgage after making XXXX k last year and the prior year I was unemployed My taxes increased so much where I live my mortgage went from XXXX to XXXX. They wont remove the escrow. I am fed up with dealing with them I have proven my lack of funds and I just got a job this month. I have given them every doc they have requested
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

The online credit report at XXXX states " XXXX steps to your free credit reports ''. Its is not true, these steps dont work and havent worked for over a year as far as I can tell. After you fill in all the info about yourself they tell you that you must write them. When you write them they tell you some information is missing and you do n't get your free credit report. Why do they falsely tell you its an online credit reporting system when it is not. I got an alert regarding my credit and dont think I have time to wait for all this unnecessary delay. Its obvious, they want to stop doing this by putting these roadblocks in front of people. When is something going to be done about these crooks? I know that Im not the only one this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name and Number XXXX XXXX XXXX XXXX XXXX # XXXX account has been paid in full, a balnce is still appearing on my credit report. Vehicle has been paid off since XX/XX/2023.
Product: Debt collection

I requested a verification of the debt. The collector, Transworld Systems , Inc. stated the account was closed to their office and referred me to the original creditor, Ohio XXXX XXXX XXXX. The hospital has also failed to provide verification of the debt leaving me unable to determine prior payments or the nature of the debt.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681o Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX  credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
Product: Credit reporting or other personal consumer reports

I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers?

Did the furnishers supply documented evidence substantiating their reporting?

2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy in credit files. Why has demonstrably false information remained on my report? 

3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under XXXX XXXX TransUnion XXXX ( 1997 ) and similar case law? 




Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : Immediate Removal of Erroneous Information All incorrectly reported bankruptcies and late payments must be expunged. 
Disclosure of Investigation Findings Provide a comprehensive written statement detailing the methodology and criteria applied during the reinvestigation process. 
Written Confirmation of Corrections Issue a formal confirmation indicating the completion of necessary amendments to my credit report. 

Final Notice Before Regulatory Escalation Should you fail to rectify this matter within the legally mandated timeframe, I will be compelled to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. Additionally, I reserve the right to pursue legal remedies under XXXX XXXX. XXXX and XXXX, seeking statutory damages for noncompliance. 


XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX AccountNumber : XXXX
Product: Mortgage

My mortgage company, New American Funding, debited a double payment this month. I think they double clicked a key and took out XXXX duplicate payments. I contacted them and they said i had to email my bank statement showing the double payment. They wouldn't remove the extra payment. They also wouldn't accept a screenshot of my online bank account showing the double payment. In the process of this mistake, my account was overdrawn by a XXXX dollars and I was charged a NSF fee of {$32.00}. They weren't interested in resolving this issue. So, I called my bank and put in a dispute. The bank refunded the extra payment and removed the NSF fee and started the investigation. This evidently XXXX off my mortgage company so they sent me an email with this response : This notification is to advise you that your bank recently rejected an automatic payment draft that you had authorized New American Funding to make on your behalf. A returned payment fee has been assessed to your account. 
They charged me " XXXX '' payments, not XXXX. Only XXXX of the payments was reversed, the one they mistakingly charged me and overdrew my account without my authorization. I have autopay so they can take out whatever they want. 
I'm very upset. I have never been late and have autopay so I'll never miss a payment. This company has done other sketchy things, causing me problems on my closing day and overcharging me. I can't afford to refinance right now and I feel I'm being intimidated by this company. I need help. I am calling my bank again, but don't know if they are going to take this payment out again and overdrawing my account, which they threatened to do on the XXXX. My next payment isn't due until XXXX. Please advise.