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

Despite the multiple previous written requests, the unverified items listed below still remains 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 verifiedthat these items are being reported correctly? Who verified these items? 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. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to the agencies multiple times because my identity was stolen and Im tired of these agencies causing a defamation of character because of the information thats being falsely reported. I asked them to cease and desist from reporting the inaccuracies to no avail. Im trying to get the issue resolved before I file a lawsuit against all three agencies.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding fraudulent transactions that occurred through Zelle. I have recently learned about ongoing legal actions against Zelle, and I believe my case may be related to the broader issues being addressed. 

I trust the CFPB will address this matter promptly. Please let me know if additional information is required. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : AccountsXXXX XXXX Account Number XXXX
Product: Payday loan, title loan, or personal loan

I opened a loan with XXXX XXXX in 2017. XXXX recently stopped processing payments for military members so another company called SST ( Systems Services and Technology ) handles the loan. I had to wait about 60 days to receive the new account information and I was charged a late fee even though I didnt have the information for the account and when I was finally able to login after getting the new account information I saw that that the loan balance was higher than the original loan amount. I recent made a request to XXXX  to delete XXXX XXXX  from my credit report as they were reporting no payment although my bank statements show the withdrawal from my account. SST has yet to update my account to reflect the correct amount as I have sent them my bank statements as well. I would like to report them as fraud and close this account as paid in full due to neither company able to provide me correct information regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX Equifax and XXXX stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies that are registered as a LLC have no sign documents or authorization to be reporting anything on my credit report. I did not give authorized consent to XXXX, Transunion, XXXX if they continue to report negative items on my report I will seek legal counsel and file a lawsuit for defamation of credit reporting. 

I have consumer rights. 
The original creditors sold my information to a 3rd party debt collector without my written consent!
Product: Mortgage

Fall of XXXX  I applied to refinance my mortgage with AmeriSave. Although I did not go through with the refinance in XXXX I realized that I could eliminate my PMI because my appraisal came back at XXXX. I applied for this and got a denial letter in XXXX. Ive then called and the lady said that my loan had to be XXXX years old. In XXXX I reread that same paperwork and called somebody and the loan did not have to be XXXX years old I just need an appraisal for XXXX which I had already submitted in the fall. I got another denial letter which is attached. XX/XX/XXXX I called and spoke to XXXX the supervisor who said she doesnt know why they didnt look at that appraisal and that now it might be too old. She couldnt tell me why they didnt look at that appraisal in the fall when they denied it the first time. I just want my PMI eliminated as it should be w the appraisal that was done in Fall XXXX  and not have to be XXXX XXXX XXXX as I was told in XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my report that i need removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit card

Merchant agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of one ( 1 ) case of defective/damaged flooring material and three ( 3 ) cases of new, unopened flooring material. When I arrived to deliver the FOUR cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the three unopened material. I filed a dispute with Alliant Visa for the one ( 1 ) case of damaged material that was not refunded. I supplied Alliant representative with a full email chain wherein the merchant agreed to take back ALL FOUR cases of material and provide a credit therefor.

Alliant is a small fintech-type issuer and outsources their credit card operations to a company called " XXXX '' After providing all the information to XXXX and Alliant I received a provisional credit for the {$68.00}.

Subsequent thereto the provisional credit was REVERSED.

Upon seeing the reversal of the provisional credit I contacted AlliantXXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant " already '' agreed to provide a refund. 
When I explained to the XXXX representative that the merchant credit was only for three ( 3 ) not four ( 4 ) cases of material, the XXXX representative said that there was nothing he could do and became defensive and rude. I requested the documentation showing I received a full refund for all four cases. Request denied. 
I subsequently contacted an Alliant employee in Alliant 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. 
I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all four ( 4 ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. 
It also appears now that my online access to my account has been removed so I can not effectively monitor the account. However, I can see my account using the mobile app.
Product: Credit reporting or other personal consumer reports

Citizen Bank have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.
Product: Debt collection

I have repeatedly tried to have company verify debt. I have requested sign in sheet that is required to be seen at this medical provider. They can not produce any proof I was seen.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked XXXX which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
XXXX is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.
Product: Mortgage

My mortgage was transferred from XXXX XXXX, to Shellpoint Mortgage Servicing effective as of XXXX XXXX XXXXI never received any information from Shellpoint with the process to register and submit ACH payments. 

I have tried repeatedly to call the company, but they do not have a customer service line that will allow you to speak to a representative, therefore there is no way to send a payment.
Product: Payday loan, title loan, or personal loan

I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. 
Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. 
Criminals applied a load in Wells Fargo bank account online, I did not apply this load. 
At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. 

Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. 

One of criminal has a WellsFargo Bank account. 
Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. 

The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Constantly being charged overdraft fees that don't apply because I have a deposit coming in the same day however they won't reverse the overdraft fees.
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 XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name XXXX XXXX Account 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 am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX, XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX, XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

My XXXX  experienced difficulties resulting from the XXXX shutdown. We work closely with the Department of Defense and essentially there was no XXXX or training occurring. During this time we had credit card debt that we were slow to pay, namely with Wells Fargo Bank. 

We managed to pay a ~ $ XXXX card off in XXXX, but had another ~ $ XXXX outstanding. I spoke to a representative in XXXX, XXXX regarding my options and I was told at that time, the full amount was due with no exceptions ( payment plan, etc. ), other than an offer to settle at 80 % of the balance - again due right away. 

In XXXX, XXXX, we received $ $ from a family member in our Personal Wells Fargo account ( not business ) to purchase our son a used vehicle for his birthday. Wells Fargo took that money without notice and applied it to the debt owed. 

I proceeded to call to ask what was happening, what other options i had, etc. and was told by XXXX, our " representative '' that multiple attempts were made to settle with no response and that " time had passed. '' I reminded her that I called in XXXX and was told my only option at that point was to settle in full. She replied that there were other options, but they had not heard from me since, so this action was taken. I asked why would I contact them if I was told my only option was to settle in full, which I could not do at this time. She reiterated that is was done now and nothing else they can do. My last statement was " Wow, '' and she proceeded to hang up on me. This occurred on XX/XX/XXXX.
Product: Debt collection

Midland Credit Management continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a XXXX credit though Ive never used that in my life and on two occasions ( most recently being today XX/XX/2021 ) XXXX confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for XXXX credit ~ which wouldnt happen if I had been sent to a collection agency for XXXX credit being unpaid... 

The MCM company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.
Product: Mortgage

First of all, Selene Finance LP is a corrupt organization, and they need to be investigated for their activities that violate consumer protection laws. 

My most recent issue with Selene ( who is the servicer for my loan which is owned by their parent company XXXX XXXX has to do with the two most recent mortgage statements that I received. 

On XX/XX/XXXX, we received our mortgage statement with the coupon for the XX/XX/XXXX mortgage payment. This statement was dated XX/XX/XXXX. It is common that Selene does not actually send out its correspondence on the date listed on their correspondence, but 14 days is a little ridiculous -- and we were getting worried that we hadn't received our mortgage statement. ( As everyone is aware, Selene is not kind about late payments. ) Then on XX/XX/XXXX, we received a second mortgage statement for XXXX -- this statement was dated XX/XX/XXXX -- so it arrived about 20 days after the date of the statement. That statement listed XX/XX/XXXX as our payment date, but we didn't even receive it until XX/XX/XXXX. 

Furthermore, I am uncertain why Selene sent out multiple statements for the same month. It made us wonder whether there was something wrong with our account, or something wrong with Selene 's managing of our account. 

Selene has continued to show reckless disregard for clear communication with its customers. Its consistent practice of back-dating correspondence exacerbates the issue ( and may be a violation of law ). 

As you investigate this complaint and other complaints against Selene, I would ask that you please consider removing the license that allows Selene to practice debt collection due to their substantive and consistent abuses of their customers. 

Thank you for your time, XXXX XXXX