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

I recently discovered that {$220000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. I asked for this information and Wells Fargo failed to send me any information or statements fro XXXX  through the present. Also, Wells Fargo claimed that monthly statements were mailed to me, but none were. And Wells Fargo failed to produce any of the monthly statements allegedly mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Equifax a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.
Product: Credit card or prepaid card

XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$130.00} XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$170.00} XX/XX/2023 {$23.00} XX/XX/2023 {$23.00} XX/XX/2023 I called Wells Fargo immediately to verify I did not make these charges. 
XX/XX/2023 Wells Fargo opened a fraud case. 

XX/XX/2023 called an inquired about the extra charges. 

XX/XX/2023 Wells Fargo denied my claim. 

XX/XX/2023 called again asking for help when I received the denial letter XX/XX/2023 Wells Fargo opened a claim XX/XX/2023 Wells Fargo denied my claim XX/XX/2023 called again asking for help after receiving the denial letter. 
XX/XX/2023 Wells Fargo has opened the claim again. Stated I should have filed a police report. 

I've never dealt with fraud before, why wasn't that disclosed on XX/XX/2023 when I called??? Filing police report XX/XX/2023.
Product: Debt collection

Collector refused to provide info on debt or breakdown of debt. They did not tell me the amount owed, they did not tell me I could dispute the debt. No written information with name / address of company provided.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Product: Credit card

I was refused Credit card based on filing bankruptcy 20 years back. They are using there information to process credit card rather using Credit Bureau.
Product: Checking or savings account

At the end of XXXX in XXXX Chase closed our account due to suspicious activity. We received the money already in our accounts, however we have not received two checks for {$2200.00} and {$620.00}. 
In XXXX of XXXX we went to a branch and were told these checks were sent back to the Department of Treasury. My husband worked with his commander to have these checks reissued, but they were told they had already been cashed. 
I spoke with Chases fraud department today, XX/XX/XXXX, and was told the did not send back the funds but that they were unable, and are still, to verify the checks in question were issued. We were told there was nothing either party could provide to prove we had not received the funds or that the checks were valid. 
Their resolution is to allow the funds to hang in suspension for up to two years and let them go to unclaimed funds. Which we would likely have to pay more taxes on after we already had them taken out of the checks initially. We do not feel this is an acceptable resolution.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a message that they would be disabling my car for the overdue payment of {$85.00}, at XXXX XXXX  I called and tried to arrange a post-dated payment for XX/XX/XXXX due to me not being sure of the direct deposit that was pending to be released but was denied the due to it falling on the weekend.On XX/XX/XXXX at XXXX XXXX, I went online and paid the amount of {$85.00}. The car was still disabled when attempting to go to work at XXXX XXXX. I called several times and after failed attempts, they are not cutting the car back on. I am almost done paying this car off and after several failed attempts of wanting me to trade in my car, they are acting as if something electrical is wrong with it. This company stated that they could tow it to a location but I would be responsible for the tow cost and repair, I didn't disable it.
Product: Debt collection

On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of Patenaude & Felix. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by XXXX XXXX. The legal firm is the same Patenaude & Felix that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.
Product: Vehicle loan or lease

Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 
2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina.

3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Do not know what this charge is never worked with this company contacted them to see where the original death started from I have not heard from them and can not get in touch with them
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 Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts XXXX, TRANSUNION XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report that were fraudulently created as a result of a data breach. Under the protections granted by XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized accounts removed from my credit file. 
Please delete the following accounts from my credit report : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Additionally, please delete the inquiry by : XXXX - XX/XX/XXXX
Product: Checking or savings account

Account was placed on suspension on XX/XX/XXXX. Ive been sending in documents to get it taken off but nothing is helping and Chime isnt helping me either.
Product: Credit card

Card issuer is sending duplicate cards without justification, sending false e-mails of fraudulent charges
Product: Credit reporting or other personal consumer reports

Addresses are listed on my report that are not mine.Relatives with the same last name resided and are still residing at those addresses.
Product: Debt collection

Midland Credit Management calls via their telephone number, XXXX. They call different times of the day and day after day. I answer the telephone and say " hello '' ; however, no one on the other end ever speaks. If the answering machine picks up, no one leaves a message. Two weeks ago, I dialed XXXX after a call and learned the telephone number calling me is XXXX. I called this number and spoke to a customer service person. The person said that they are trying to reach XXXX XXXX. I informed them that I am not XXXX XXXX. XXXX XXXX had the telephone number that they call 11 years ago. I requested that they stop calling. The person responded that they would stop calling. The calls stopped for a few days and have resumed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I purchased a MoneyGram money order in the amount of {$90.00} from Walmart in XXXX  XXXX, NY which is one of their agents. Preprinted on their money orders it now says mobile deposit prohibited. This was never printed on their money orders before. MoneyGram has no legal basis for printing this on their money orders or for telling depositors that they can not use mobile deposit as long as the money order was legally acquired and is being used for a lawful purpose. I want MoneyGram to be ordered to legally desist printing this on their money orders and allow mobile deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account XXXX XXXX XXXX  Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bureau Information : - Bureau Name : TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Requested Resolution : I request that TRANSUNION conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : ( If applicable, list any documents you are including with your complaint ) Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I transferred {$3000.00} to WISE to convert it in EUR for our coming vacation to XXXX, from XX/XX/XXXX to XX/XX/XXXX my bank already paid them and WISE is showing we have slight delay in our side, but the money should be on its way to us soon we are desperate for our money, please help.
Product: Credit reporting or other personal consumer reports

I have called XXXX numerous times. My XXXX loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. XXXX did not notify me that they started trying to collect on my deferred XXXX loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on XXXX. I disputed with the bureaus and XXXX did not even respond- they provided no proof. I feel so violated. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Debt collection

We sent a certified letter dated XX/XX/2023 requesting that they cease and desist contacting us. We received a letter dated XX/XX/2023 from them alleging we claimed we were victims of fraud and requesting the documentation to prove it. We did not make such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer, looking to resolve a matter in good faith. I am here with new evidence of this company not following regulatory obligations. As of XX/XX/2022 I am showing that National Credit Audit is still in violation of my rights by reporting derogatory, unfair, and inaccurate information. I am aware that National Credit Audit is a debt buyer, however, I have never gave them permission directly to furnish anything to my consumer report. I am also aware that history and transactions between a creditor and consumer are to be excluded from consumer reports and this company is furnishing transactional history between a creditor and I. This company is a XXXX
Product: Credit reporting or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX,, has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that XXXXXXXX XXXX XXXX XXXX is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.
Product: Credit reporting or other personal consumer reports

I was made aware of the following collection being reported by your Agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a VICTIM OF IDENTITY THEFT. 

The following collection accounts were obtained fraudulently in my name, the social security number attached to the account is not my social nor is the address related to me nor the name that was used to obtain credit with the creditor.. Please investigate these accounts and remove them from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled credit placed credit inquiries on credit reports I didnt apply for credit
Product: Debt collection

I am a victim of frod and I wanted to know how did they get access to my info I want to see a forward flow agreement
Product: Debt collection

Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

So they close my husband and Account for fraudulent reasons of disputes and stuff and I called customer service for them to unlock my account because I have {$220.00} in my account they will not let me have it and if Capital One does not let me have my money thats in there because the account was closing when they didnt even tell us they were closing it. I will sue them for that money so I suggest you tell them to give me my money or I will have a lawyer against them them.