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

The event happened, in XXXX XXXX I made a cash deposit at a branch located in XXXX XXXX on XXXX XXXX, or " XXXX XXXX XXXX '' I used the branch atm, where there are multiple cameras present at the machine. The deposit amount was {$3000.00}. at the time of reporting the funds not being deposited, or showing that it was in a pending state ; the atm claims department opened the claim. I asked for a provisional credit, and they mentioned that could take up to XXXX days. After two weeks, and calling in multiple times for an update I was told later that the claim had been closed 2 days after the claim had been opened. I asked why it was that I didn't get any notification that the claim had reached a resolution? In which they responded that there wasn't any kind of policy that was consistent with that kind of notification. In which I responded with the fact that's how I have been notified in the past with two other claims. 

This conversation with the claims manager ranged from explaining all of my interactions with the machine, and to understanding how the machines perform, and correspond with the server, or in other words, what kind of pings get created within that process. In which I learned that there are such things as " XXXX '' pings that are associated with every interaction with the machine. Thus my response, that their statemen that there was no evidence that I interacted with that machine is inconsistent with there statement about how the machine sends that relay information in pings to the server. And to top off the fact that they hadn't checked any cameras, was also included in their response by default as I offered the question about if that had been checked or not? 

There were forms of retaliation that followed in including deposits being denied, or stopped after the claim was opened, and through multiple atm 's I wasn't able to make deposits, which further pushed back my late payments that I was trying to pay for with the original deposit. 

These forms of communication or lack of were outside the time frames of operating a claim in accordance to the OCC. They also had lied about certain known truths of the information I gave in a statement, and their outcomes. This was essentially stealing from a customer, and lieing about the findings within the investigation. 

1. ( the provisional credit wasn't initiated until approx. 3 weeks later after the claim had been opened. ) 2. ( The provisional credit was later re-absorbed by someone from the office of the executive branch who said it would be effective XXXX XXXX. which actually was executed on XXXXXXXX XXXX. ) Both of these events had significant negative effects on my financial life, and abilities to keep legitimate payments to the respective lines of credit I had at the time and conitinues to this day as it is an outstanding debt with a freeze on my account until it is paid back in full also effecting my credit and ability to pay bills including car payments, rent, insurance, phone bill etc. 

This bank was WELLS FARGO in Washington State.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a request to investigate the accounts below due to inaccuracys. I received a response from Experian stating both accounts have been verified and are accurate. I disagree with this decision and I would like a detailed explanation on how these accounts where verified and the process used for verifying these accounts. If this can not be provided please remove these accounts listed below. 

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

I contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called XXXX XXXX  and nothing was changed. The status shows on Equifax and XXXX that I paid as agreed but on XXXX it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Open Date XX/XX/year> Account Amount XXXX Dispute letter for inaccuracies This credit report is a violation of the FCRA 1681eb.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a late payment reported on my credit account with Possible Finance, in accordance with 15 U.S. Code 1666b. 

Account Information : Account Holder : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX and XXXX Creditor : XXXX XXXX I recently discovered that a late payment has been reported on my credit report, stating that I am 60 days late. I believe this reporting is inaccurate and unfair due to significant technical issues with XXXX XXXX 's app, which directly affected my ability to make timely payments. Specifically : App Glitches : XXXX XXXX XXXX app has been extremely glitchy, making it impossible to schedule payments properly. Despite multiple attempts, the app failed to process my payment scheduling. 

Support Delays : When I reached out to XXXX XXXX XXXX customer support for assistance, the response was significantly delayed. By the time support adjusted the payment schedule, it did not reflect correctly on the app, and the payment did not process as intended. 

These issues were beyond my control, and I made every effort to ensure my payments were made on time. The technical failures and support delays directly resulted in the reported late payment, which I believe should not impact my creditworthiness. 

I kindly request that you investigate this matter and delete the late payment from my credit report with all three credit reporting agencies : XXXX, XXXX, and Equifax. Attached to this letter are copies of relevant documentation, including communication with XXXX XXXX 's support team and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your time and understanding. 

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

After reviewing my credit report, I am not happy to see the below items still showing in there even though How many times I've sent you a disputes and how come these items still can be find in my credit report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX a victim of XXXX XXXX please remove this XXXX  inquiry from XXXX  XXXX  report.
Product: Credit card

Kindly examine the attached documents, and I urge the bureau to initiate an investigation into these accounts, as I have never been behind on payments, but they are incorrectly indicating that I am late.
Product: Payday loan, title loan, or personal loan

We have repeatedly told XXXX at the telegraph canyon location, XXXX, AND the XXXX XXXX, to not send anything to a particular address. We have provided the correct address many times and they keep sending correspondence and specifically collections letters to an address that is incorrect! 

Also, I had a promise to pay arrangement with XXXX the XXXX, for the beginning of XXXX and despite this, they went ahead and called a phone number I specifically told them they should never ever call. They spoke to an unauthorized third party and provided details of the loan and the nature of the call etc. 

I work in consumer lending so I am familiar with what is correct and what is not, and this is not only unethical, it is against the law. I am very upset about this and am seeking some help in getting them to stop these practices. I have warned them several times not to do this or theyd leave me no choice, and they refuse to list the proper address, they refuse to stop calling phone numbers I specifically asked them not to call, and they are causing havoc on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an inaccurate item being reported on my credit report from XXXXXXXX XXXX XXXX I have never been late on this account and they furnished information to you stating that I was 60 days late during the month of XX/XX/2021 and 60 days late during the month of XX/XX/2021. Furthermore, they also claim that I have a balance of {$3000.00} left to pay and a High Credit of {$1500.00}. This information is false and incorrect. I have never been late on this account and I do not owe a balance on this account. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, CA XXXX. 
As you can see, I have uploaded a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item information is updated to no late payments and a {$0.00} balance owed.
Product: Vehicle loan or lease

I purchased a truck ( XXXX ) from XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX. Wells Fargo financed this loan. At the time of purchase, I had paid the sales tax of {$1000.00} to the state of XXXX ( I am not a resident in XXXX  ) but was also required to pay the sales tax in my local county. XXXX registration goes through the county Tax Collector office. My address is XXXX XXXX XXXX. XXXX, XXXX XXXX, therefore my local branch is XXXX XXXX Tax Assessor located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the tax collector they stated that they need the sales tax paid and the title in hand to process my registration. Wells Fargo Auto had stated every time that I requested the title that they wanted a document requesting the title from the tax collectors office. The tax collectors office did not have any process that included requesting the title. Titles are mailed there directly with included check to cover the taxes due. I have processed several cars through the tax collectors office and can confirm that this is my usual experiences. After countless attempts to work with Wells Fargo Auto to properly register my truck so I can use it for its business purposes, I have still been found without my registration or taxes paid so I can drive my vehicle for business purposes. The official process of Wells Fargo Auto has left the question of did the title get processed. After an automated review I get a simple statement showing where the title was processed. I did have on success early in XXXX where they agreed to send the title, but they sent it to XXXX XXXX XXXXXXXX of some nature, and did not accomplish me properly registering my truck. I have been lost in this loop. As the consumer, I truly feel that I have been taken advantage of by both XXXXXXXX XXXX by selling a sabotaged vehicle with accidents for more than {$18000.00} ( 60 % ) over value. Wells Fargo Auto has a management team at the executive office that has been blunt with their statements in not assisting any further because the title was processed and that I need to pay my balance because they are repossessing the vehicle. Regardless how many times I mention that I can't properly register the vehicle, they finally say the investigation will begin and after a time, closes all the same with no results in my truck being registered so I can use it for my business. I purchase the truck XX/XX/XXXX, and the day prior I had purchased a XXXX ' climate controlled enclosed car hauler. The business insurance was immediately added and I began to use the truck and trailer as part of my logistics operation and additional revenue. Once the temporary registrations expired I ceased operations and began an endless loop of miscommunication with Wells Fargo Auto. XXXX XXXX is very manipulative with their selling tactics and did not offer any support at all, simply stated " not our problem ''.
Product: Debt collection

I purchased a mattress from Sears in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from Sears. I never again used the Sears Citibank MasterCard and called the Sears credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with Sears that the credit card had any current unpaid balance. I received a letter from XXXX XXXX XXXX this week that said my Sears MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from Sears or Citibank to notify me of three separate fraudulent charges on my credit card.  XXXX XXXX told me today when I called them that my card was used fraudulently three times in XXXX  XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my Sears MasterCard once to purchase my mattress. XXXX XXXX advised me today that once my Sears Citibank Mastercard was charged off and closed that it would not show up on my credit report. XXXX at XXXX XXXX told me it was the policy at Citibank to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. Sears, Citibank and XXXX XXXX XXXX are attempting debt collection on fraudulent charges.
Product: Credit reporting or other personal consumer reports

The late payments reflected on my account do not align with my consistent payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due tXXXX XXXX XXXX XXXXbt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with XXXX  and Equifax. XXXX  is still looking into it at the time. However, Equifax refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called the number that was provided by XXXX XXXX and the gentleman that was on the phone who use my credit for this inquiry said another person name that I didnt authorize to use my credit and this person was in XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally writing to express my regarding Zelles handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that lost funds were impossible to recover and trying to track these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
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. XXXX XXXX XXXX XXXX  # XXXX 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 finish 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, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$7600.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$8000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : XXXX Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$6100.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3500.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3500.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$8400.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$11000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXX AMOUNT : {$1.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$12000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$16000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX