23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo was intentionally and unintentionally negligent by releasing the {$12000.00} that I deposited to a fraudulent account at their institution after they had been notified that this was a fraudulent account and a scam. There was a police investigation by the financial crime unit of the XXXX County Sheriffs Office ( Case # XXXX ) and there were several complaints entered against them to prevent release of these funds while there was a criminal investigation. At the time, complaints were filed with the Florida Attorney General 's office, the Florida Office of Financial Regulation, the Federal Trade Commission and the Consumer Financial Protection Bureau. As per information released by subpoena and included in the police report, Wells Fargo allowed the account to be closed on XX/XX/2018 with the withdrawal amount of {$11000.00}. Wells Fargo confirmed that the money was sent to the name and address listed on the fraudulent account. 
The police report and previous Wells Fargo correspondence is available upon request. The OCSO also has evidence on a CD of investigative subpoena items.
Product: Vehicle loan or lease

Toyota Financial Services is incorrectly applying schedule payments. Every month I have informed customer but aren't getting anywhere. XXXX XXXX XXXX  as record of all schedule payments including Principal payments. Principal and regular payments are mixed together.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On Transunion it shows last activity was ( XX/XX/XXXX ), On XXXX it shows that the last activity was ( XX/XX/XXXX ) & On XXXX it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across all so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( e ) ( 6 ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between XXXX, Transunion XXXX XXXX, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies may be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.
Product: Debt collection

This so called debt was not incurred by me. My identity was supposedly used to create some form of card/account using a banking institution with whom I have never had an account. I called the collection company to request more information but none was given. The company ended the phone call abruptly as well.
Product: Mortgage

I do not want my loan to be serviced by XXXX XXXX. I Have been a loyal Chase customer for 14 years. I have other account contingent on my home loan with Chase. Do Not switch my loan to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is fraudulently using my credit information to fund a loan I have no knowledge of. I have not made the charge or gave XXXX XXXX XXXX a written or verbal consent to use my credit information to fund the fraudulent account. Ive asked for XXXX XXXX XXXX to remove my information from their system because this is fraud and a violation of my rights
Product: Credit reporting or other personal consumer reports

I filed a dispute on account # XXXX, XXXX XXXX XXXX XXXX due to the payment never being late. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
Product: Credit card

I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things that were incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Checking or savings account

Originally complaint : I was charged multiple different times today, XX/XX/XXXX for a company called XXXX XXXX  the transactions total of {$540.00}. No idea who these charges are or what this company is. This is the second time this has happened with Venmo Current status of complaint : Venmo has denied two of the claims. This is why Im writing you. Two of the claims totaling {$180.00} XXXX  were denied ( not in my favor ). Two were approved ( in my favor ) at {$180.00} and {$180.00} is still pending review. How does this make any sense??? 
Theyre all from the same day, same company!
Product: Student loan

In 2016, I filed a complaint regarding the misrepresentation of information provided at my enrollment to XXXX XXXX XXXX. 

I was advised at enrollment that I would receive 1 ) receive assistance through their career services in obtaining a position in my field of study and 2 ) that the school was accredited and I would be able transfer my credits to another school.
Product: Debt collection

Not only am I suddenly unable to login to my account online but I am being charged " interest '' on a paid in full credit card account. 
There was a balance transfer and then there was a payment made to pay the remaining balance in full. 
I am being charged interest for the day it was paid off. 
The representative, whom I can not understand, rambled off some reason why and its not accurate. 
When I logged in the account stated the balance remaining ( not the statement balance ) and I paid that amount. 
I owe nothing. 
Called twice, transferred several times, hung up on twice ( the phone calls drop ), and so I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase : Suspicious login attempt has been detected on your account visit https : //sflexurl.com/chase.com-updateyourinfo to restore access. 

I received this text on my mobile phone from XXXX
Product: Debt collection

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company
Product: Debt collection

I breached my contract with XXXX and paid every penny owed to them on the bill received in including the penalties, and the bill from XXXX was clearly stated " last bill '' because I also knew it was the last bill of XXXX dollars. My service was switched over XX/XX/XXXX to XXXX and my tablet had also been turned off also, and that was my doing. 
I recently received a bill from a certain Convergent Outsourcing , Inc. to pay another XXXX dollars. Seeing the XXXX name on the bill also, I called Convergent, who told me that I had to pay. I told them it had to be a mistake. So, I sent Convergent proof of everything. 
Well, they insisted that I pay the fraudulent bill, because that was the order received from XXXX. 
So, I decided to call XXXX myself to get to the bottom of fraudulent bill. They could n't even tell me how it came about after spending an hour yelling at the representative from XXXX, who was clueless about the bill, and yet insisted that I pay it. I even asked to send documentation to XXXX, because the first set of documents were sent to Convergent, not XXXX. XXXX refused to accept the documents to prove that I do n't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

J have an account showing in collections from a collection agency Called ERC in XXXX, Fl. It was for a XXXX bill of {$490.00}. 
I have paid this in full and have receipt from XXXX. I demand that ERC remove this from all my credit reports Immediately!
Product: Checking or savings account

I opened a US Bank personal smartly checking account XXXX  on XX/XX/year> and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I had {$460.00} in the account. I have not received it back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.
Product: Credit card

As youre well aware, next to XXXX XXXX companies, Wells Fargo has ripped off consumers, based on their fines, more than any lender. On XXXX occasions, I have put payments in to their website and XXXX times with mortgage and now XXXX times with credit card and they magically disappeared. Now they just scammed me for a late fee for the credit card. I tried to contact them to obtain their legal address and the XXXX was in a fighting mood. Im in no mood to deal with a company that tries to commit fraud against the working person. We have went through XXXX hurricanes, and we still are suffering through damage. I want you to open an investigation against Wells Fargo, its time to stand up to crooks that continue to rip off the public. How many fines does Wells Fargo have to get before they stop trying to swindle the working class. Their website makes it impossible to email them about issues, and their Customer Service is always combative. XXXX times is not a fluke, XXXX times of payments disappearing. I dont have this issue with any other creditors, things go smoothly when I schedule my payment, but not with Wells Fargo XXXX Based on my credit history and Wells Fargo history of being sanctioned for ripping consumers off, I believe there is an issue with this company running a con game.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. XXXX XXXX does not have my consent to have and share my private personal information. 

Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of XXXX delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit card or prepaid card

On XX/XX/2020, while shopping in XXXX at XXXX XXXX XXXX XXXX in XXXX, CA XXXX, my wallet was stolen sometime between XXXX XXXX and XXXX XXXX. When I discovered my wallet missing, I immediately went home and called my bank and all credit cards. Several credit cards were stolen. I am contacting you about an REI card issued by US Bank. REI stolen card was used XX/XX/2020 at XXXX # XXXX in XXXX XXXX, CA to purchase {$850.00} in gift cards. I made a Police Report to XXXX XXXX Police XXXX XXXX XXXX. XXXX, CA XXXX, phone XXXX. I spoke to Officer XXXX XXXX. His email is XXXX. My case number is XXXX. 

Im contacting you because US Bank Fraud Prevention has denied my claim. They are at Cardmember Services Fraud Prevention.  XXXX   XXXX XXXX. XXXX, ND XXXX. Their phone is XXXX. Their fax is XXXX. My claim number is XXXX.
Product: Debt collection

XX/XX/2019 date of notice received by mail from CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fictional debt owed to a XXXX firm {$8.00}. Yes XXXX dollars and XXXX XXXX cents.
Product: Mortgage

I have a VA loan, I faced a FEMA disaster XX/XX/XXXX with the Ian Hurricane that hit Florida, I had damage in my roof my insurance did not cover that, I called at the beginning of XXXX to Flagstar Bank and the institution offered me a disaster forbeacence. Due to that I have arrears on XXXX, I am paying my mortgage since XX/XX/XXXX good bc I can pay my mortgage, I have income to pay my mortgage. On XX/XX/XXXX they denied my loss of mitigation application. XX/XX/XXXX and XX/XX/XXXX I appealed the decision asking the lender to put the arrears on the back of the loan as VA CARES ACT stated is allow to do and they continue to not wanted to do and giving me only option to foreclosure. The lender is violating the veterans CARES Act. I called my VA Loan Technician and he stated to me that they should put the arrears on the back of the loan as the CARES ACT comply. The CARES ACT stated that the missed payments may be paid back over time with no time frame of pay specifying and my lender should provide those to me by law ; however, they are in violation of this act and not giving me that option, only to foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts and inquiries detailed below were not authorized by me.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to initiate a credit report freeze with Experian, but have been unable to get enough information from the company to do so. The online system won't allow me to complete this online, and provides me with information on how to mail in my information. However, I need to know what the process would be for unfreezing the account before I do this. 

I tried calling, but can't speak to a human. Instead, I get a recording of the information I would need to mail in -- but I'm afraid of doing this as I have no idea of how I would then be able to unfreeze it. 

The only option I see to easily freeze/ unfreeze is to pay Experian XXXX XXXX month for both me and my husband to lock it. The barriers for the free freeze are intense, and I'm afraid of doing it because I have no idea how I would then unfreeze it. 

If I could just find a way to speak to a human, I might be able to do so. I've called many times, but the phone tree leads me to only recordings. I feel stuck, and forced to pay a fee to protect my credit account. The other credit bureaus made this freeze process easy, creating an online account and providing a pin number to easily freeze/ unfreeze as I need. I feel like I have no control with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Mortgage

My wife and I sold a condo in XXXX of this year. We accepted a down payment from the buyer and agreed to let the buyer make interest-only monthly payments of {$3400.00} for a few months until he paid off the remaining principal of {$910000.00}. 
At our realtor 's suggestion, we enlisted Del Toro Loan Servicing Inc to collect the buyer 's payments and deposit them to our bank account, all loan expenses to be paid by the buyer. 
The buyer paid off the loan on XX/XX/XXXX along with his final interest payment. 
We expected that payment to be {$910000.00} plus {$3400.00} equals {$920000.00}. 
Instead, the deposit to our account was for {$920000.00}. 
When I asked Del Toro why the payment was {$110.00} shy, I was told it was because the buyer was one day early with his payment.

My agreement was with Del Toro, not the buyer. I really don't care about the timing of the buyer 's payment to Del Toro.
Product: Credit reporting, credit repair services, or other personal consumer reports

This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX Lets correct this or otherwise remove it immediately.