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

Wells fargo has allowed XXXX XXXX to harass me and my son along with XXXX XXXX. They would give good car loan deals with their friends. But she doesn't want me to have anything. This is the type of employees they have working for them. XXXX has stalked me had her renters follow me around and stalk me I don't know if they are employees at wells fargo. But I do have dash cams in my car along with house cams that record everything on my property and my door bell camera to show the police when I leave they leave. XXXX XXXX keeps falsely accusing me of harassing her, while I was at the back around XX/XX/2015. I didn't run into her the whole week I was at the XXXX XXXX branch in XXXX XXXX. But I know now this was all a set up for them to have me arrested at the bank because how come I never saw her at the bank the 1st day. This was why my online account was compromised because I was being set up by wells fargo and XXXX XXXX to get rid of me as a customer. This was down right criminal what XXXX XXXX, and the other employees who ever was involved with her to do this against me. This was a low down dirty thing to do someone. Wells fargo chose to go along with her that makes them just as responsible for my pain and suffering. I just couldn't believe this was happening to me a neighbor who is a manager at a bank, using their position to get the police against me. I wasn't treated fairly. I don't feel my life should be ruined. Wells fargo should be aware what type of employees they have working for them and what they are doing to their customers. Wells fargo feels the same way they didn't want me as their customer anymore. But it wasn't until XXXX XXXX falsely accused me of harassing her while I was at the bank. They refused to settle for the pain and suffering and mental anguish XXXX XXXX has caused me and my son. Then for her to have her renters follow me harassing me is a new low for XXXX XXXX. I feel betrayed by wells fargo for what they did to me. I never wanted to have a checking account with them in the first place. But I was forced by one of their employees at the XXXX wells fargo in XXXX XXXX al. XXXX XXXX who then made fun of my sons facial features. XXXX XXXX wasn't fair to me at all he didn't investigate XXXX XXXX accusations against me he rushed to to judgement and refused to listen to my side of the story like wells fargo didn't. I never harassed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous times to have this information blocked and this company continues to report this harmful information on my credit report Ive sent in my identity theft report as Ive stated I dont know who this information belongs too. I have been a victim of the equifax data breach. This information is not allowing me or family to be able to move on both bureaus removed this information except exquifax. They have also made it to where I can call in an report the inaccuracies or even state my behalf I feel this is not fair. 
XXXXXXXX XXXX collections Should not be able to do this to me According to facts 605B these items must be be blocked until the investigation is completed by the FTC Ive filled a civil Litigation against exquifax for Unauthorized and fraudulent accounts on my consumer report. I have also filed complaint with the cfpb as I await my court date for deceptive practices by this credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims no hard pull, but same day a hard pull shows up on report from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit report.

15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.
Product: Mortgage

Our home mortgage was sold to Wells Fargo. We currently have a 65 % - 75 % equity position in our home. Under our original lender, we had voluntarily escrowed for taxes and insurance. The Impound Authorization indicated it was a voluntary escrow that was not required by the lender and indicated no time frame exception for discontinuing the escrow. We contacted Wells Fargo to stop the escrow account. They sent us back a letter stating that we were required to continue escrow for 24 months from our closing. We called Wells Fargo Home Mortgage to inquire about this " requirement '' since there was nothing in our loan documents to this end. After getting to a supervisor, we were told that the investor required that we escrow until 24 months of payments have been made without being late or any other issue. Once again, I asked where this was in our loan documents and referred them to look at the Impound Authorization that clearly showed the escrow was voluntary and not required. The supervisor said that due to the investor requirement that they would not be able to stop escrow. I requested a letter that stated this position. He said that he would " request '' a letter but could not promise anything. He also stated that he could request an exception. We aren't requesting an exception. We are requesting that our loan documents be followed.
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX  but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.
Product: Checking or savings account

On XX/XX/2023 my XXXX was stolen by a XXXX  that saw my screen lock password. They were able to access all of my banking information and digital wallet. They made several fraudulent transactions including XXXX XXXX to purchase money orders. I disputed the charges with ( my bank ) Chase Bank. At the time they refunded the money, but later pulled it out of my account based on compelling evidence that the charges were legitimate. I supplied a police and FTC identity theft reports to back up my claim, but Chase is refusing to accept them. They refuse to re-open my claim and will not tell me what information I can supply to support my claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. XXXXo, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, JPMCB AUTO, XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 



Under 15 U.S.C. XXXXi, credit reporting agencies must investigate disputes within XXXX days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. XXXXo, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are Attached to FTC Consumer Report
Product: Credit card

PayPal Credit is practicing deceptive lending practices by not including on their monthly statement any indication of how " Standard Purchases '' are paid when you have a Promotional Balance and paid the " Amount to avoid Standard and Deferred Interest on your next statement '' each month. I was told by " XXXX XXXX '' ( a supervisor with PayPal Credit ) that their policy is to pay the next promotional balance with the " Amount to avoid Standard and Deferred Interest on your next statement '' and not the " Standard Purchases '' in a given month. They then roll the " Standard Purchases '' onto the next statement and do n't charge interest ( because you paid the " Amount to avoid Standard and Deferred Interest on your next statement '' ) - BUT do n't show this rollover of " Standard Purchases '' on the next month 's statement, they just bundle it in the line item " Standard Purchases '' under " INTEREST DETAILS '' making it impossible for the consumer to see where the extra amount is coming from. i.e. the " Account Summary '' shows " Purchases & Adjustments '' ( supported by the line item detail under " CURRENT ACTIVITY '' ) and on the next page, under " DEFERRED INTEREST CALCULATION '' they list the " Promotional Balances '' expiring in the statement month - but they do n't ( and he said their policy is to never show ) the amount of last month 's " Standard Purchases '' rolled over detail on any statement -- because " our language on the statement regarding " Amount to avoid Standard and Deferred Interest on your next statement '' only reflects how Interest is handled - not how payments are applied ''. 

This policy makes it so the consumer is unable to reconcile the amount being paid for " Standard Purchases '' with the " Amount to avoid Standard and Deferred Interest on your next statement '' - which leads to the consumer 's inability to predict how much they will need to pay in any given month " to avoid Standard and Deferred Interest on your next statement ''. 

" XXXX XXXX '' agreed that this was confusing, and he offered to raise my concern with his management - but everyone needs to understand that this practice makes it impossible to budget in advance for paying for non-promotional purchases and promotional balances and you have to wait each month to see the " secret '' " Amount to avoid Standard and Deferred Interest on your next statement ''. I was able to handle the surprise this time around - but it certainly could cause someone to be tricked into not being able to pay off their promotional balance in advance and avoid interest charges.
Product: Checking or savings account

Bank of America ATM ID : XXXX at XXXX XXXX EST on XX/XX/year> began processing a withdrawal from my XXXX account in the amount of {$450.00} plus {$6.00} in out of network ATM fees. The funds were withdrawn from the XXXX account. The Bank of America ATM dispensed my card and began the process to dispense the cash. I selected the option for the ATM to choose the type of bills for me. The ATM was louder than usual and sounded empty. An error message displayed on the screen indicating that there was an issue dispensing the cash and that the transaction had been canceled. The ATM screen said to note the ATM ID and contact the bank to report the issue. I called Bank of America, which I am a customer of. I planned to withdraw the cash from the XXXX account and deposit it into my Bank of America account. Customer service logged the ATM ID and stated that the funds would automatically be reversed in 1 to 2 days. The problem is that the money is need for rent that is due today, XX/XX/XXXX with no grace period. XXXX customer service stated that the reversal my take up to 5 days. Bank of America indicated that nothing can be done if I incur fees for the late rent since the canceled withdrawal was not from my Bank of America account.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXXXXXX {$430.00} XXXX XXXX  XXXX {$430.00} XXXX  XXXX XXXX  XXXX {$770.00} XXXX {$360.00} XXXX XXXX XXXX XXXX {$55.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bmw dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a XXXX XXXX. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the bmw rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching covid. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.
Product: Mortgage

On or about XX/XX/XXXX, PNC stated that it had declined my loan modification because I had had 4 loan modifications in the past and that number is for the life of the loan I am therefore never again eligible for a loan modification again per PNC. 

PNC has FAILED to provide through CFPB 4 ( FOUR ) loan  MODIFICATION AGREEMENTS signed by me since the INCEPTION OF THE LOAN on or about XX/XX/XXXX. 

PNC FAILED to attach any policy which supports its decision not approve my loan modification per policy. I HAVE ASKED FOR COPIES OF POLICIES ON MULTIPLE OCCASIONS. POLICY SHOULD BE MADE AVAILABLE FROM AT LEAST XX/XX/XXXX, THE MONTH I INITIALLY APPLIED FOR THE LOAN MODIFICATION.
Product: Credit card

Cash App. I DID NOT OPEN AN ACCOUNT. This outfit signed me up for a card and account. I have complained and they will not close the account. They sent me a debit card today. I posted this with the XXXX XXXX that was evidently used to create this account. I could tell from the email trial that it was used. 

I have no idea who, but someone opened a Cash App account in my name. I discovered that, apparently the day it happened and wrote to XXXX and ash App about it. Today, several weeks after this, a debit card arrived. I immediately tried to call Cash App.no one answers their customer service phone number. I looked up a number and called that XXXX. I explained what had happened and he refused to close the account or freeze it. Then, he told me this sort of thing happens all the time! I recorded that call, so I can provide that to the FTC and FCC about XXXX featuring this App when they full well know an account in my name was fraudulently created. Who knows if someone did this as a joke or if some fraudster is racking up charges in my nameor you name. Shut this outfit down.
Product: Debt collection

I disputed this account because I did not recognize it. I have never done business with a company named PRA. All of the credit bureaus told me it was verified as accurate. They only send me two credit card statements. They did not send me anything that shows I am legally required to pay them. I don't just send out checks to everyone who sends me a bill in the mail! There are way too many companies out here ripping people off. I am not going to get ripped off by this company. I have already seen online where PRA has a history of cheating and ripping people off. What if XXXX comes back and tells me I did wrong and should have paid XXXX instead? I don't have the money to pay this two times I am not even sure this is mine. No one has done enough to show me it is. So, at XXXX an account was opened in my name some years ago. Now the only thing left of it is two computer-generated statements? Anyone could have made these. I can go on my computer and make statements in someone's name. That doesn't mean that person really owes the money.
Product: Credit card

I am disputing the collection account with CHRYSLER CAPITAL account number XXXX dated XX/XX/year>, with a balance of {$10000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CHRYSLER CAPITAL provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Experian allows XXXXXX/XX/XXXX to report inconsistent information to XXXX, XXXX and Experian. Each credit report states different information which is in violation of my consumer rights per the FCRA. Please remove the information immediately since its not being reported accurately!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX XXXX does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.
Product: Debt collection

I contacted XXXX XXXX they gave me dates that I stayed in XXXXXXXX XXXX  XXXX XXXX, but I had insurance. XXXX XXXX XXXX XXXX. I called my insurance and they confirmed it as well. I gave them the dates, and then called XXXX once again ... They confirmed that they sent over proof of insurance to XXXX XXXX and they have not taken off the collection accounts from my credit report. I contacted XXXX XXXX and they're saying it is still active, at this point I do not know what to do. I DO NOT OWE ANY MONEY TO THIS COLLECTION AGENCY.