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

I am writing to lodge a formal complaint against Wells Fargo for its failure to make funds available from a state-issued check, leading to severe personal and financial hardships over the past XXXX weeks. 

On XX/XX/2023, I deposited a check issued by a state organization into my account at Wells Fargo. Subsequently, I reached out to the bank on several occasions to inquire about the delay in making these funds available. The following Saturday, I spoke to XXXX separate customer service agents, both of whom claimed that the bank suspected the check was fraudulent. Furthermore, that Monday, I met with a branch manager who stated that the funds from the check were not available. It was bad enough, that I had to wait almost an hour to be seen and was told he had to leave to run an errand. I insisted on being seen, especially after waiting for almost an hour without being asked by him or the security officer why I was sitting there for so long. Instead, they both were visibly upset I asked to check why I could not have access to my funds to be told a lie without any way or help to recover my funds. 

To verify the authenticity and status of the check, I contacted the State comptroller 's office directly. They confirmed unequivocally that the check already cleared within XXXX days and that the funds had been transferred to Wells Fargo 's accounts. 

Because of Wells Fargo withholding of my funds, I have experienced significant financial distress. I am unable to pay critical bills, including rent. My phone service was disconnected, and I was forced to borrow money from my supervisor at my new place of employment a deeply embarrassing situation. Most distressingly, I couldn't send money to support my spouse and child, leaving them without the means to cover essential back-to-school expenses. 

It's deeply concerning and distressing that a reputable banking institution would withhold legitimately sourced funds beyond the legal allowable time, leading to such profound personal and financial ramifications for their customers. At the time of writing this letter, I still do not have my funds. 

I urge your office to investigate this matter thoroughly to ensure that such mishandlings does not happen in the future to myself or other customers. I would also like guidance on how to proceed further and any remedies available to address the financial and emotional hardships I've endured due to Wells Fargo 's actions. 

Thank you for your attention to this critical matter. I look forward to your prompt response. 

Respectfully,
Product: Credit reporting or other personal consumer reports

on XXXX  i sent Transunion a request to block The collection account ending in XXXX an identity theft item which appears on my trans union consumer report, Trans union seems to ignore Federal law, Transunion is really out of compliance, willful non-compliant and reckless. Uses unfair practices, runs a foul when it come to Fair Credit Reporting Act ( FCRA ). CFBP I want this issue resolved.
Product: Debt collection

This is the 2nd complaint I have files against the CBE Group! I have never had a XXXX Account at the address they are showing. I have asked for documents showing where I approved for an account to be in my name and they can not provide. I have NEVER AUTHORIZED ANY XXXX  ACCOUNT TO BE PLACED INTO MY NAME!!! They agreed last time I filed a complaint and here we are again Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to get Equifax to follow FCRA and in turn respect my rights in this matter. I have asked Equifax to on at least 4 occasion to validate this account, as well as on multiple occasions as Equifax to present me a description of the procedures used each of these disputes. Equifax refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax email pertaining to this issue attached you will see that stated the reinvestigation will take up to 30 days. Under FCRA listed above they have 15 days from the date they received the letter from me. Tracking number and such will be in attachments. Futhermore this was a procedural request.. as stated under FCRA 611 ( 15 U.S.C. 1681I ) and which was clearly notated in the letter i sent equifax, as well, being that this is at least the 3rd time Ive had this issue with equifax pertaining to this i asked for this to be expedited
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/2022 I sent a payment in to Ally Auto by money gram. Company has not applied payment to my account. ALLY HAS VIOLATED 12CFR XXXX PAYMENTS. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 
Ally Auto Financial violated the U.S. Fair Debt Collection Practices Act and the U.S. Fair Credit Reporting Act. Ally Auto reported derogatory and inaccurate statements and information regarding myself the consumer to third parties on XX/XX/2022. 
The allegedly inaccurate information negatively reflects upon my credit repayment history, my financial responsibility and my creditworthiness. 
attached is my proof of payment. 
Ally collection agents have been harassing me for payment since XX/XX/2022 calling me late at night XXXX and during work hours. which is a violation of my rights under the FDCPA. even thought they can see my payment in the system and refuse to post it. 
ALLY FINACIAL DID NOT CLEARLY AND CONSPICUOUSLY SEND ME ANYTHING SAYING THEY WOULD SHARE MY INFORMATION WITH A THIRD PARTY. I NEVER GAVE VERBAL OR WRITTEN CONSENT TO SHARE MY PERSONAL INFORMATION.ALLY FINACIAL NEVER SENT ME ANYTHING TELLING ME I EVEN HAD THE RIGHT TO A NONDISCLOSURE OPTION. 
with this being said As of today Im opting out of any and all Authorization that I the Consumer given you verbally, or written.
Product: Mortgage

Gateway mortgage company was the servicer of a mortgage I obtained in 2016. Last year, during XXXX, I was told that my mortgage was in forbearance. However, I still made every payment on time. Gateway sold my mortgage to a different mortgage company. When the interest rates dropped really low this past year I attempted to do a refinance. At this time I found out that my credit report was showing XXXX late payments when my mortgage was with Gateway. I have reached out several times to Gateway to have this corrected with no success. I am now in the process of seeking legal advise to remedy the actual damages that I incurred by now being able to refinance at a lower rate and for having misinformation reported to the credit reporting agency.
Product: Debt collection

Well over a year ago I was sent a book in the mail from XXXX XXXX. I had subscribed to their magazine for my elderly mother. I did NOT open the package and marked on the outside of the package, " Refused! Return to Sender. '' Since then I have been sent a bill, at least once a month, for the book in the amount of {$27.00} from a collection company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. I didn't order the book and I returned it and I will NOT pay for something I did NOT order.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute.

Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing.

Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning System sent me my report. They are reporting fraudulent information on my report and are negatively affecting my ability to get a checking account. I never opened a XXXX account. They are also reporting a Checking account from XXXX thats not even my social security number. I have gave them my FTC report and XXXX and XXXX was both listed on the report along with XXXX XXXX. My identity was stolen and multiple checking accounts were opened in my name. My XXXX account I actually opened was closed due to it being compromised. XXXX stated I dont own them anything so I shouldnt have any negative information in Early warning system at all.
Product: Debt collection

On Friday, XXXX XXXX, 2017, at approximately XXXX., I received a call from my supervisor, stating that she received a call from a XXXX XXXX XXXX who was claiming to be a dispatcher from a XXXX XXXX XXXX , who was en route to serve me papers for a debt. I am off work sick, and am not at work. I found this to be odd, as payday loans do not use these tactics. I then returned the call to the phone number provided which is ( XXXX ) XXXX. 
I called this number and asked for a XXXX XXXX, which at that time, I was advised that that individual is not a representation of the company I called. I assumed at this time I was speaking to a rep from XXXX XXXX, but realized I was speaking to a rep from XXXX XXXX XXXX. I then immediately asked the person on the line what is this pertaining to? I expressed displeasure that this is the second time in about 2+ years that I received these types of calls. The caller ( who I never identified ), asked for my social, which I confirmed the last four. He then proceeded to tell me there is a legal case and that any information would be provided at discovery. I immediately stated that I do not wish for him or any of his representatives to contact my employer for any reason. I stated that I would have my attorney contact them as well with this request. The male caller, and I had a semi-heated discussion. He felt that I was rude and threatened to hang up and not help me. I may have become upset during the conversation, because the tactics of threatening to serve someone with papers is not only extreme, but not a practice Ohio uses in this manner. He also then stated that since I would need a lawyer, they can contact him. I stated I will handle my own affairs, and if I need representation then I would get it at that time. After repeatedly stating that I had no issue paying the debt with proof, and getting no where with the caller. He stated that I am a " Quality Debtor or " Experienced Debtor '', or some reference similar and hung up. I then called back wanting to speak to a supervisor, and got the same male on the phone. I then advised him, that I called, but since a person was hiding behind the phone, I could not get anywhere, I am calling back. He then stated " hiding behind the phone? '' and hung up again. I then called ACE Cash Express, and a spoke to XXXX at approximately XXXX XXXX., and advised her briefly of the incident. She did mention that my debt was sold to XXXX XXXX XXXX ( Account # XXXX for {$720.00} ), I had this similar experience about 2 years ago, where I received threatening calls from a " law office '', and upon dialing the number given, it linked back to XXXX XXXX XXXX. It appeared that they are one company representing themselves as attorneys instead of the collection associates they are. I have asked them repeatedly to not contact my employer, and if I had or was given and address or email, would request in writing. Also, while speaking to XXXX from ACE Cash Express, she stated that their company does not practice, or condone practices of legal or lawsuit threats, or any aggressive collection actions.
Product: Student loan

My father, who is now estranged, took out a loan for approximately {$15000.00} with XXXX while I was in school for my XXXX degree ( XXXX ). My mother, who is divorced from my father, has been making on-time payments for over a decade. XXXX never mailed or emailed any statements. When we would call XXXX to inquire about the balance, they refused to provide us information on payment history, since we were not the borrower. 

Recently, Navient acquired the debt from XXXX. We were dismayed to find that not much progress has been made with reducing the amount owed. A similar loan taken out at the same time has been payed. Navient also refuses to provide the payment history from when the loan was with XXXX, and we are unable to speak with an XXXX representative due to their restrictive automated phone system. 

Even with an interest rate of 6 %, there should not be over {$10000.00} remaining in the account. Viewing the payment history is the first step to understand how on-time monthly payments did not reduce the payment balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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

I am writing to dispute the presence of certain hard inquiries on my credit report, as detailed in your response from the Complaint ID Your complaints XXXX. Despite your assurance that the creditor responsible has an internal fraud process, I find it unacceptable that Equifax allowed such inquiries without my explicit consent as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am purchasing a new construction townhouse with Pulte XXXX and signed a purchase agreement on XX/XX/2020. As part of the purchase agreement to receive the builder 's incentives totaling {$9500.00}, I submitted a loan application to Pulte Mortgage on XX/XX/2020. The purchase agreement and Federal REG B guidelines required the lender to provide a " Notice of Conditional Loan Approval '' within 30 days of the loan application. I did not receive the conditional approval until XX/XX/2020. This is a violation of Federal REG B and a breach of contract by the builder. Now that I am within 45 days of the home being completed, I have not heard from anyone on my loan team since early XX/XX/2020 even though I have made repeated attempts to contact. I am concerned that the loan financing will not be complete in time for the closing. However, even if the lender approves the loan insufficient time for the closing, this does not negate the fact that the lender did not meet the 30-day requirement for the conditional loan approval. The lender also did not send out an Additional Information Request letter, which would have extended the 30-day requirement. I provided all documents within a timely manner, so I honored my portion of the purchase agreement. The Lender is in violation of Federal law.
Product: Debt collection

I am in the middle of refinancing my home mortgage when I was told my credit score dropped from the XXXX to the XXXX because of a $ XXXX collection. When I pulled my credit reports there is a company, XXXX XXXX claiming I owe an education debt of $ XXXX. I have two student loans, one with XXXX and one with XXXX, both of which are current and I have never missed a payment. When I contacted XXXX XXXX I asked for the original creditor or account holder. They would not provide me with that information, only that it was XXXX XXXX University. I never attended XXXX  XXXX University, I 've never had a student loan in this amount either. I asked for the original documents and I was told they would be mailed to me. I called Convergent back a second time requesting some additional information and I was told that there were no notes in my file to send me the original documents. Convergent also told me this is from a debt in XXXX, which is far outside the Florida Statues of limitations. I have never had any other collections on my credit report regarding this account XXXX XXXX is claiming I owe. Please investigate XXXX XXXX. I have researched them myself and they are well known for fraudulent collections similar to mine. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX PL XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I was a patron of the casino hotel and suffered food poisoning at one of their restaurants. The casino insisted that I was to be transported by ambulance to XXXX hospital and be taken care of per the casino. I have been disputing these bills since the casino assumed responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA these unauthorized inquiries and accounts must be removed
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.