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

I informed Wells Fargo bank that in late XX/XX/2023, My debit cards was left at the XXXX XXXX while I was flying out of the state to XXXX, Florida. I was out of town for a week with my book bag being left at the airport. My bag included my social security card, my pin card, computer, and phone. I believed originally that my bag was left at the airport, but when I returned a week later to the lost and found, I found numerous charges on my personal and business debit cards. I contacted Wells Fargo multiple times to dispute the issue and open claims. I contacted Wells Fargo, but Wells Fargo has continued to decline my claims without any evidence or further resolution of my dispute even though these charges were done fraudulently. While my personal card and business cards were both stolen and used at the same time in the same manner, Wells Fargo approved and properly addressed my personal debit card claim, but refused my business claim. Again, all these transactions on the personal and business claim occurred at the same time. They had duplicate transactions on both accounts, and were done the same day at the same locations. This makes no sense whatsoever that one claim would be approved and the other denied. 

Business Name : XXXX XXXX Wells Fargo XXXX XXXX # XXXX Business Checking account Number : XXXX Personal Name : XXXX XXXX Personal - Claim Personal Checking account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has for past several months denied me of validate a debt. That I do not owe over the course of several months I sent letters disputing this fraudulent account via certified mail. Asking TransUnion to do a proper investigation and asking for any documents or contacts to verify this debt that I do not owe. I have been denied that right by law they have 30 days. Its now been several months and I have yet to receive any proof. Spoke with a TransUnion dispute agent. And was told its my job to contact the furnished to verify the debt. Wich is totally false and another violation of my rights under the fair credit act. We are now going to the 8th month and yet I still havent received any documents to show that this is a legit debt I owe. TransUnion just send it back as verified. This has cause a lot of emotional distress, wich caused me jobs, housing and credit. Because if TransUnion not following the laws under Fcra. Wich is required of them to do and my right as a consumer to have a proper investigation done for inaccurate information being furnished to my consumer report. And also TransUnion has denied me to be able to check my credit report. I had to call them about this multiple times and they still are denying me my rights.
Product: Debt collection

Credence Resource Management has placed a collection on my my account claiming that I owe {$540.00} to XXXX. I have NEVER had any services with XXXX.
Product: Debt collection

DRS IS A MEDICAL COLLECTION COMPANY WHO UNLICENSED UNREGISTERED IN FLORDA AND HAS NOT VALIDATED this collection which I requested THROUGH XXXX XXXX OR XXXX. MAILED A CEASE AND DESIST LETTER TO DRS AND they RECEIVED AND SIGNED ON TRACKING by USPS ON XX/XX/2022. Also u see Florida state statues and constitution XXXX. There are rules and regulations for out of state collection agency. 
This DRS HAS NOT VALIDATED DEBT AND ARE POSSIBLE VIOLATION OF STATE REQUIREMENTS TO COLLECT IN FLORIDA.
Product: Credit reporting or other personal consumer reports

XXXX was to remove the negative report off my credit report once they did the profit and loss during covid. The car is still reporting negative on my credit. ( Fraudulent ).
Product: Payday loan, title loan, or personal loan

I was charged a interest rate of 39 % .. I do not believe my credit constituted such a high credit score.. I was sold XXXX insurance when I was already XXXX. The checks to the insurance companies were signed before the loan documents. I was not told it was voluntary because the checks had already been cut to the insurance companies and I was not even asked if I wanted yet.. I was told I had to give my consent to withdrawal payments from my account and later found out it is illegal to make that a condition of the loan. I believe XXXX XXXX violated the EOCA of XX/XX/1989 by charging me a int rest rate that was discriminatory. I am on XXXX for XXXX XXXX and I take m di cations to XXXX me. Including XXXX and XXXX medication. I could not keep up with the salesman who was rushing through the paper work.. So I'm not sure what I was signing.. I believe I was taken advantage of by XXXX XXXX Because of my deminished capacity to understand the seriousness of what I was tricked into signing..
Product: Mortgage

XXXX XXXX sold my loan to XXXX XXXX and added {$25000.00} to the loan after making a payment to them at the same time. Behind one payment. Only transferred half of the payment to XXXX XXXX and this was the beginning of my problems. This put me behind and had to make up the difference. My original purchase of this single family home was purchased for {$22000.00} on XX/XX/XXXX. After XXXX sold the loan after acquiring the mortgage from XXXX XXXX went bankrupted and added {$25000.00} which made the loan {$250.00}. We lived in this home for 7+ years and stated we were 381 days late with payments.. Payments began at $ XXXX a month, after the loan was sold, I was NOT allowed to refinance this loan using my XXXX. or VA benefits. The story is incredible and I have just found the right people to voice my concerns. Bottom-line was I had to do a Dead-in-Lieu to avoid Negative Credit Implications. The house was sold in XX/XX/XXXXand my family and I moved to XXXX AZ after during a deed-in-lieu to make a new start. I am a Veterans of 22 years service, XXXX XXXX and this issue has plague my mine for years and I truly need to try and recoup my funds that appears to have been stolen. I have the receipts for the payments as well which makes this unbelievable. XXXX XXXX did an audit as requested of the account and their documentation looks to be okay but confusing. I was in Bankruptcy during this same time of the transactions and all my funds were accounted for by the Courts why payments were still being paid at the time to XXXX XXXX and too much info to explain here. See attached documents to explain the documents received from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX XXXX and Chapter XXXX Bankruptcy
Product: Credit card or prepaid card

I was charged about XXXX dollars in XXXX from XXXX. I was also charged an additional about XXXX dollars from XXXX as well as 2 separate charges billed through XXXX for wish orders roughly XXXX dollars and the other XXXX dollars. I also hard a random XX/XX/XXXX charge for roughly XXXX dollars all in XXXX. More recently I have seen multiple XXXX XXXX purchases and transfers on my account all in the month of XXXX for XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars and XXXX dollars. All of these transactions were never once made on my behalf let alone my account. I did report every single one of the charges and usbankreliacard decided to close my case in only a 14 day time frame without even doing the proper investigation because if they had that done they would of clearly seen that there is absolutely no proof whatsoever that I got any items to my household let alone any proof that I ever made any of the charges on my account. They have been reported as fraudulent charges on identity thief, XXXX and now cfpb. All I want is my money back that is rightfully my money back. I never gave permission or authorized anyone to use my card anywhere in anyway and at any given time. I need my money. And I need my money back now. I was supposed to get a provisional credit within 10 business days but I never even got that. I need help. And I need help now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXXXXXX XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX XXXX Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX charge off XX/XX/XXXX
Product: Mortgage

Reverse mortgage solutions had my parents sign a mortgage they were not capable of signing in XXXX and also never provided and allowed them by law to take the mandatory XXXX seminar for reverse mortgages before signing paperwork not allowing them the opportunity to insure their mortgage. Also a banker went to their home after they had XXXX just recently been hospitalized from surgeries and had then sign paperwork while under the influence of heavy marcotics from their doctors and my father was not able to read and write and he was just told to sign anyway. My father told me before his passing he did t understand what the reverse mortgage was and what was going on and how my mother and father would have never signed it if they had understood what it was.they have refused sinc XXXX XXXX to provide me paperwork, to speak with me about reconstructing this illegal mortgage and refuse to provide all documentation my mother and father have signed. I have been refused and they respond with either silence or a crazy answer having nothing to do with what I requested dozens of times. They are purposely threatening and using intimidation tactics on behalf of their legal tepresentative who feels it is legal to add {$1200.00} weekly and sometimes twice a week to my parents reverse mortgage and call it corporate advances and refuse to give me any break downs of the " corporate advances ". 
They have also sold this low. After XXXX of my parents passed. 
They continue to do illegal things.
Product: Debt collection

I have received the response to the claim I made against SIMM ASOCIATES and they indicate that the debt was paid to the university. So I don't understand why the collection is reporting it, if the payment was made at the university as they themselves indicate. This account should not be in collection.
Product: Mortgage

My mortgage loan was purchased by Dovenmuehle Mortgage on XX/XX/2017 from XXXX. XXXX bank sent a notice they would no longer accept payments effective XXXX XXXX, so I mailed my XXXX payment to the address provided for Dovenmuehle Mortgage. They cashed my payment on XXXX XXXX, but never applied my payment to my loan. Today is XXXX XXXX, and they still have not applied the payment. Dovenmuehle earning interest off borrowers money and causing borrowers principal balance to increase because the payment is never applied. I am confident this violates banking and consumer laws, and this must be stopped immediately.
Product: Mortgage

Around XX/XX/2011, we were receiving solicitations from WELLS FARGO Home mortgage to enter a loan modification program. So, we did. This application process was brutal. We were given the run-around for 4 straight months of lies and deception, falsely accusing us of not providing current documentation. With these four months, over and over were assigned many different Home Preservation Specialists. The Stone Wall effect was in full swing. For months and months, they deliberately requested the same information, and no movement was being made on their behalf. We were getting very angry and worried that they were purposely delaying the loan modification. After continuously giving them everything they asked for within hours of request, nothing was happening. Wells Fargo was foreclosing on our house, while telling us that we are still in application mode. Now, there was Sherriff Sale Date. We were so scared of losing our home. What they were doing was criminal. We had never been late on a mortgage payment. We finally hired a Law Firm to fight for us and eventually kept us in our home. Finally, after 9 months of fighting and months of sleepless nights, our lawyers we able to set us up with some bogus trial period that they ultimately created. Years later still makes me tear up. Attached will be Docs showing the hardship we endured.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights.

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late.

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system.

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter.

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries/ Date : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX In according to FCRA ( XXXX ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 
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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Information Services - Employer : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

XX/XX/2021, {$9700.00} was supposedly sent to XXXX credit card ending in XXXX. The balance was less than that but Marcus would not accept the other credit card so I added it to this and XXXX said once they received the funds I could do a balance transfer. 

The funds have not been received by XXXX now I have 2 credit cards that are ruining my credit that should have been paid. 

I contacted Marcus by Goldman Sac XXXX and was continuously told that it cleared on their end and to contact XXXX. XXXX states they have not received it and wants a paper copy of transaction sent to a fax number or their mailing address which they provided. Marcus rep XXXX, myself and XXXX have been on three way calls and nothing can be done without this confirmation. 

XXXX was the processer that Marcus used and is not cooperating with Marcus, XXXX or myself with supplying this information, What should have been a great move has turned my credit score from XXXX to XXXX in two months and I still do not have the funds. 14 more days and it will be 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these XXXX hard hit on my reports as will in XXXX & i want them off. I 've submitted request with no results.
Product: Student loan

Issues with repayment of loan and processing payments incorrectly. Please evaluate the issue and find a solution.
Product: Debt collection

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX  XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; MO CHILD SUPPORT DIVI XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXX XXXX  Balance : {$1.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX.
Product: Debt collection

Southwest credit systems is trying to collect on a debt not owed to them. I have no signed contract with that debt collector nor the original Creditor. This company southwest have threatened to mess up my credit if i didnt pay or jail time. I asked southwest to prove how this debt is owed to them from my person and all they send are bills from another company.
Product: Debt collection

In XX/XX/2018, I had a procedure performed at XXXX XXXX XXXX. Subsequent to that procedure, I received thousand 's of dollars in medical bills. If the bills appeared to be correctly allocated and consistent, then I paid them. THOUSANDS of dollars of bills that I paid timely. 

There were a small subset of bills that I received monthly with varying amounts. XXXX could not identify how much I owed for these activities. Every month was a different amount. 

Please keep in mind I had already paid XXXX and my doctors THOUSANDS of dollars. In the Fall of 2018, I decide, " No more! I will not blindly pay these bills. XXXX needs to figure out precisely how much I owe. '' So I called XXXX, and they told me their billing system had recently changed and that they would straighten out the billing issue. I never received a call back or a corrected consolidated statement ... 

Instead, XXXX sent all of the bills with differing amounts ( {$59.00}, {$84.00}, {$130.00} ) to Creditors Collection Service. 

Now, Creditors Collection Service is sending monthly delinquency notices to XXXX, XXXX, and XXXX  that I am delinquent ... I am only delinquent because XXXX, and subsequently Creditors Collection Service, does not know how much I actually owe!!! 
- XXXX has been removing the delinquency notices from my credit report at my request ; however, Creditors Collection Service is adding new notices every week. 
- XXXX deferred to Creditors Collection Service and did not remove the deliquency. 
XXXX XXXX decision is pending. 

I am sorry if I sound frustrated. It's because I am. Please keep in mind that I have already paid XXXX XXXX THOUSANDS of dollars. I am fighting over the {$59.00}, {$84.00}, and {$130.00} out of principle. These companies should not be allowed to just make-up numbers and instead of rectifying their own inadequacies in their billing system. 

Please, PLEASE, help me get these delinquencies removed from my credit reports at XXXX, XXXX, and XXXX. And please punish XXXX XXXX XXXX and Creditors Collection Services for their inadequate billing processes.