23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On or about XX/XX/2021, I entered into an auto retail agreement with Wells Fargo Auto Finance. Subsequently, I contracted XXXX and was unable to make payments on the vehicle as I was temporarily unable to work. 

I made contact with Wells Fargo Auto on or about XX/XX/2021. During the recorded conversation with a Wells Fargo Auto representative I requested a 'COVID 19 ' related deferment. The Wells Fargo Representative denied my deferment request stating, 'Wells Fargo was no longer offering a deferment program. ' The representative stated the COVID 19 deferment ended and as a result, I was not eligible for any type of relief. ' Additionally, to prevent repossession, the representative did not offer or allow me to make payment arrangements. 

However, to date, Wells Fargo has made available on its website the option for deferments options to its current customers who have fallen behind on payments for non specified reason. 

Although Wells Fargo was in possession of my current address, as I'd updated the address through the internet portal, 'it ' ( Wells Fargo ), refused to comply with government regulations in sending a 'Notice of Intent to Repossess ' to my current residence, although my current address was the physical location where my vehicle was repossessed. 

On or about XX/XX/2021, my vehicle was repossessed by Wells Fargo without proper notice and without affording me the same opportunity as other Wells Fargo customers. 

Wells Fargo has consistently FAILED to address each instance and/or violation listed above. 

The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), was designed to eliminate abusive, deceptive, and unfair debt collection practices. It also protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.

Wells Fargo 's actions are unfair as equal treatment was not provided to my account as was provided to other Wells Fargo customers who were allowed to take advantage of COVID 19 relief.

Wells Fargo 's actions are deceptive as 'it ' ( Wells Fargo ) was aware of my current present address, however, continued to send mailings and the 'intent to repossess ' to the incorrect address. However, when Wells Fargo illegally repossessed my vehicle they did so at the address which I provided as an updated address in their 'internet based ' portal. 

Wells Fargo 's actions were deceptive as 'its ' ( Wells Fargo XXXX representative refused to allow me to make a payment arrangement which would have prevented the repossession of my vehicle. 

IT IS WELL DOCUMENTED WITHIN WELLS FARGO 'S OWN RECORDS 'IT ' ( WELLS FARGO XXXX HAS MADE EXCEPTIONS BY ALLOWING OTHER CUSTOMERS WITHIN ITS SYSTEM TO TAKE ADVANTAGE OF THE COVID 19 DEFERMENT PROGRAM. 

Conclusively a thorough investigation is required.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX Citizens XXXX XXXX Citizens XXXX XXXX, RI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter One Deposit Checking XXXX To Whom it May Concern : On XX/XX/XXXX, I applied online for a YourStyle Checking at Investors Bank in response to a promotional offer to earn {$25.00} per month for 10 months. Investors Banks was subsequently acquired by Citizens Bank and my YourStyle Checking was converted to a XXXX Deposit Checking. I met all offer terms but have not received my final payment of {$25.00}. 

Now, I respectfully demand that Citizens Bank pay the outstanding bonus of {$25.00} and close the XXXX Deposit Checking. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to Citizens Bank. 



Sincerely, XXXX XXXX
Product: Debt collection

I have been disputing with the company since XX/XX/2015. I also submitted a ftc report regarding this complaint on the original company with no validation of the debt. I viewed my credit reports and also contacted the other 2 bureaus and they removed/deleted with no problem. I have contacted Equifax several times. I have spoke to different reps and came out with no results. I have sent in my police report 3 times and yet they still have not sent me any information. I have asked for proof that this account is mine. I have been dealing with this going on 4 years. This is not fair to me as a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 furni
sh a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 Equifax Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XXXX XXXX Client was approved for {$4400.00} in XXXX funds. {$1700.00} of the approved amount was applied to the Client 's delinquent property charges and {$2600.00} was set aside for anticipated tax and/or insurance payments. In XXXX XXXX Client received her XXXX property tax bill in the amount of {$1000.00}. On XXXX XXXX, XXXX we called Financial Freedom and confirmed that {$530.00} of XXXX funds remained in Client 's escrow set-aside. During the call Financial Freedom directed us to submit a written request so that the set-aside amount can be applied towards Client 's property taxes. A written request was submitted to FF that same day. On XXXX XXXX, XXXX we called Financial Freedom to find out a status of the property tax payment - FF advised that the set-aside balance was applied to Client 's reverse mortgage loan balance. Financial Freedom acknowledged that it received Client 's written request to apply the set aside funds towards her property taxes BEFORE Financial Freedom applied the funds towards Client 's loan balance. Financial Freedom 's explanation for applying the funds to the loan balance, rather than the property taxes, is that Financial Freedom is not allowed to hold the set aside for more than one year and that any XXXX funds held in the set aside for more than one year must be applied to the borrower 's loan balance. This statement/reasoning directly conflicts with the XXXX approval letter which specifically states that " the funds for the anticipated property taxes and insurance cost will be held in a set/aside escrow account by your servicer/lender for the express purpose of paying taxes and insurance until the funds are depleted ''. 

Moreover XXXX funds are a loan and the client has to give a mortgage. Client is not receiving the benefit of the loan. Applying the funds that the client is entitled to use towards her proeprty taxes and insurance towards client 's loan balance does not benefit the client in any way and the client may be at risk of defaulting on the reverse mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and XXXX  reported it. I again disputed it and was successful. Then again another credit agency reported it and XXXX  once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now XXXX  says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XX/XX/XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX  and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX  house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX   house in XX/XX/XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.
Product: Debt collection

Around the end of XXXX I had randomly wondered what my credit score was since I had not looked in some time. When running my credit report it brought up an odd issue of collections for {$1200.00}. When I proceeded to look into the debt owed I quickly noticed it was not mine and someone had fraudulently opened up this card in my name without me knowing until it was too late. I contacted XXXX which then transferred me to Midland Credit whom were forceful in being adamant the debt was mine and I owed them. I requested proof which they sent thinking was proof when in fact all it does is confirm it's not mine. There is an address located in XXXX, SC attached as well as a XXXX XXXX in XXXX XXXX, SD and the transactions are for things I don't even own ( XXXX XXXX, XXXX, prepaid cards ). Since then I have established police reports here in XXXX XXXX ( where I actually live ), XXXX XXXX, SD and after numerous calls to XXXX their police force seems inept and failed to ever return my calls. Ever since then I've been slowly filling out the recovery plan through identitytheft.gov which has led me to this point now. Midland Credit are a bunch of bullies and I will not lie down without a fight.
Product: Credit card

I have XXXX credit cards with Capital One, XXXX card with XXXX limits, and XXXX card with XXXX limit. On XX/XX/XXXX, I attempted to use card # XXXX for an {$8.00} purchase and it was declined. I called Capital One to check my balance. I was told by customer service rep named XXXX that the annual {$59.00} charged to my account. This resulted in {$500.00} over the limit. I requested that Capital One wave these annual fees on all my credit cards because ; 1. There is NO added benefit to any of these cards. 2. I have had a Capital One credit card holder customer since XX/XX/XXXX. And 3. I have XXXX cards with them and they are charging me {$59.00} on each card. 
The XXXX XXXX told me he could not wave the {$59.00} fee because I was over my limit. This was because of the annual fee charge. I do not agree that they should have the right to charge the fee and put you card over its limit, then tell the customer that they can not wave it because you are over your limit. 
Next, I have ask Capital One on another occasion to combine these XXXX cards and their response was that because I had an outstanding balance, they could not do so until they were paid off. I have since realized that these are not written policy but they simply refused because they are gouging me with annual fees and interest. They indicated that the card I have are not eligible for line increases and that to have the annual fee waive you must have a credit limit of {$3000.00} or more. I have applied for line increase, and always declined, poor level of service, never offered any up- grades, even though I have been with capital one since XX/XX/XXXX, my accounts are always paid on time ; even when I have called to dispute a charge or service, I have received push back from Capital One not want to handle the dispute. This is the joke! And equates to predatory lending. I do not think my purchases show go declined while they debit my account for an annual fee and refused to waive it because my account is over the limit due their charges. They also refuse to transfer you to a manager when ask or escalate these issues when ask. 
At this time I am requesting that they combine all XXXX cards to XXXX and refund my annual fees. They do not have the right to levy annual fees for no particular reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.
Product: Credit reporting or other personal consumer reports

XXXX did not fully investigate an amount showing negatively on my credit report. XXXX account on my credit report when from off my account to back on. Failed to remove an address in XXXX that I never lived at along with another account from XXXX XXXX thats not mine and keep being reported late, causing negative impact on my scores. XXXX is violating my fair credit act right according to 15 U.S. Code 1681i. Theres been a data breach with XXXX and Equifax and all negative items must be removed from my account.
Product: Credit reporting or other personal consumer reports

I haven't been able to get my credit report with TransUnion and XXXX for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.
Product: Checking or savings account

someone stole my information and opened this account im a victim of identity theft I tried to get this remove and was unable to
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle at XXXX XXXX XXXX ( Michigan ). As a part of the transaction, I traded in my XXXX XXXX truck. 

Since that date, I continue to receive invoices for the amount due to Ally Auto Financing. I have attempted to contact them many times and left voice mail messages to return my call to straighten this out. I never got a returned call. 

In XX/XX/XXXX, a repossession representative showed up to claim the vehicle. I explained that the vehicle was traded in during XX/XX/XXXX. 

Today, I received another invoice from Ally, so I called them again and finally talked to " XXXX '' who placed me on hold. When she returned, she informed me that I still owed over {$19000.00}, which was different from the amount of the statement which totaled {$2700.00} ( and unpaid balance of {$18000.00} ). I explained that her system had an error and that a check to pay off the remaining balance was handled by the dealership. 

In addition to clearing up this payment mess ( balance plus fees since XXXX XXXX ), I expect Ally Financial to clear up my credit report on all three credit bureau sites. 

Should this continue past XX/XX/XXXX I will contact my attorney and request that his fees also be paid by Ally Finanical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX Account # XXXX and Account # XXXX h

as Violated my rights. 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 Account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$1800.00} ; XXXX XXXX  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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I was notified by mail regarding accounts that were open without my knowledge and I reach out to Wells Fargo and connected all credit bureau and was amazed how they can not find out who did because Wells Fargo advised they account was done through there website and I ask if they were able to find or retrieve the ip address to charge who took all my information. Banks need more security actions when accounts are be open on the website.
Product: Credit card or prepaid card

I have 3 unknown inquiries on my credit report. Amex on XXXX XXXX, XXXX XXXX XXXX on XX/XX/2019, and XXXX  on XX/XX/2019. I just saw this on my credit score and it is greatly affecting my score.
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 confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish an 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 or 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.