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

1. The complaint I filed back in XXXX was a mistake. At that time, I filed a complaint about my credit card account. I never knew I had another account number ; I thought I only had one credit card number. Therefore at the start, I thought that the account number was not mine. Later on, I found out that that account number was mine, it belongs to the same account as my credit card number, so I called customer service to explain the situation and canceled the complaint. Because I do not speak fluent English, my son made those calls for me. The bank can look up my call recordings. 
2. The account that is currently closed is my checking account. Nobody stole my information, I opened the account by myself. The branch is Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I opened the account on XX/XX/XXXX, and the account opening amount was {$10000.00}. All the balances in the account are from the checks paid by my company -- it is my legal income. I can offer any proof for identification. When my account was closed, there was a balance of {$3900.00} left.

3. Specialist XXXX contacted me, and I picked up the call myself. I do not speak good English, but I explained to her that there was a mistake, that the account I filed a complaint on is mine, that my identity did not get stolen. She said she wanted to ask a few security questions, I said that I am going to work at the moment, we can do it at XXXX XXXX  or after, but there was no further contact. Then I received an email notification on XX/XX/XXXX, that the account was about to be closed, and the email clearly stated that if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. But now, the bank refused to pay back my account balance, as the {$3900.00}.

4. In the reply, specialist XXXX mentioned, decline your request for any additional monetary compensation referenced in your complaint. This reply was preposterous because I never asked for any additional monetary compensation but to get back all the balances left in my account. In fact, the specialist dodged my question in her reply, and never even mentioned how the balances in my account will be dealt with.

5. I demand the bank to answer clearly how the balances in my closed account will be dealt with. I demand a refund for all the balances left in my account, just like what the email the bank sent to me stated, if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. 
The Wells Fargo case ID : XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I've mailed two letters with supporting documentation and they never responded to either letter. Then I called talked to someone she said the address on file didn't match and I told her the right address and still haven't gotten my report freed up from them.
Product: Debt collection

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Product: Debt collection

Debt purchaser attempting to force me to pay after account has already been paid
Product: Checking or savings account

I previously submitted a complaint, # XXXX, about {$140.00} in overdraft fees my Regions Bank account incurred for certain electronic transfers that went through without my knowledge. I received a letter dated XX/XX/2022, from XXXX XXXX with Regions Bank in which he explained that the bank had mailed me notifications. XXXX XXXX provided a phone number for me to call with any questions or concerns. I never received anything in the mail from Regions bank -- not account statements, not notices of overdraft fees, and not the letter from XXXX XXXX. I have attempted to contact XXXX XXXX at the phone he provided, but it goes straight to voice mail and he will not return my calls. I tried calling into the Regions call center and they had no way of contacting him either. They explained that based on the information provided to them that XXXX XXXX was not able to call customers back. This seems extremely unfair to have a bank representative send out a letter, asking a consumer to contact him by phone with questions or concerns, when that bank representative is not set up to field questions or concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$7900.00}. 

Account Name : XXXX XXXX Account Number : XXXX Description : Date open : XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

High Credit : XXXX is currently showing {$12.00}, XXXX, XXXX and Equifax show XXXX. 

Lasted Reported : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX. All three XXXX XXXX XXXX are showing difference dates. Please delete Date of Last Active : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX. 

This is a violation of the FCRA and is also in violation requisite XXXX XXXXXXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the item above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are 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 generally, 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 supposed 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.
Product: Student loan

XXXX - Now XXXX - used ambiguous language to get me to agree to pay an up-front service fee to get me on an income-based repayment plan with my student loan service. While they did do that, they led me to believe that a monthly fee of {$39.00} would be paid toward my student loans. In reality, that fee was not going towards my student loans at all, it was going to some random insurance company I never heard about at any point during my dealings with them. So, they got me to believe that I was paying {$39.00} a month toward my student loans using faulty language over the phone, and in reality that money was not going where they told me it was going. I just found out about it when I checked my payment history with my actual loan services ( XXXX XXXX XXXX / XXXX ), and a representative there informed me that there are many 3rd -party companies scamming people in this way. I filed a complaint with the FTC, and I'm seeking legal council, but I need to follow through with cfpb as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair INQUIRIES that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has damaged my Experian credit file and due to their reporting tactics my credit score has been reduced by 44 points and counting because of their unauthorized reporting and of {$100.00} past due and erroneously stating my account is Joint and that the original debt was $ XXXX. Since XX/XX/XXXX, I was sold a vacation plan as a mortgage for a property I have not seen. Based on the plan I was advised that I would accumulate points for my family and to take vacations bi annually since I was highly reluctant to sign up for a resort vacation plan. Once I had enrolled I found several road blocks to using the points all resulting in additional out of pocket money being required. This plan was supposed to be unique for me since I stated I am less likely to travel a great distance annually for vacation and would not be a good fit. They told me I could use points for other resorts near my home. I found that I had to pay steep fees to exercise this option including rolling points over annually to use for other options like hotels, car rentals etc. I have repeatedly complained about XXXX experience stating I no longer want the account. I agreed to attend an Owner 's meeting in XXXX XXXX in XX/XX/XXXX where I further told them about my difficulties with using the plan. I was told by the sales person, " Your plan is not a favorable one and should not have been sold to you because it does not allow for the use of the plans benefits ''. He further offered to upgrade me to another plan which I declined. Of the 8 years, the owner 's meeting in XXXX XXXX was the only time I stayed at their Resort for the owner 's meeting. Since XXXX I have paid {$9600.00} plus $ XXXX in taxes and annual fees. My account is now down to $ XXXX and there should be no reason they would not release me from this life sentence package. On XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX to request our timeshare be cancelled. The sent me a foreclosure threat letter on XX/XX/XXXX and a letter dated XX/XX/XXXX declining to cancel the timeshare. My Experian report reflects 1 negative account throughout my credit history and it is for XXXX XXXX XXXX XXXX 's {$100.00} past due as of XX/XX/XXXX. I specifically told them I had no desire to purchase a product that would impact my credit, nor did they get permission to obtain my credit file. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX as 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. I attempted to dispute with Experian and the returned results in less than a few days with erroneous report.
Product: Credit card or prepaid card

A family friend opened a Credit Card account without my permission. And I didn't know of the account until I received a letter in the Mail stating that I owe {$970.00}. I don't even have a Job so why would I apply for a Credit Card when I know I wouldn't be able to pay it back. The account was opened without my knowledge of it and I tried to explain that to the company but they rejected my dispute and still trying to collect money that I don't owe them cause I didn't create the account.
Product: Bank account or service

I called wells fargo about a transaction on XX/XX/2016 or XX/XX/2016 XXXX transaction stated from XXXX money was put back in my account of XXXX in which wells fargo claims they never did and now XXXX says they did also but the bank says no also have an id number for the XXXX XXXX they have all the info want my XXXX back now fighting this for 2 months or almost on my bank statement
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX IS XX/XX/year> EXP -- -- - Unauthorized Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage application was denied by my bank, on the basis that corelogic credco is showing a foreclosure, by XXXX XXXX XXXX, which was false and never took place. I had sued XXXX in Federal district court, and the court ruled that the foreclosure never happened. I sent this court ruling to the 3 credit reporting agencies nd Fico, but Corelogic never removed this foreclosure from their report. 
Also, XXXX had posted that in XX/XX/2014, I had been late in payments to the XXXX XXXX XXXX, and this also appeared on Corelogic 's report. 
This was untrue as the XXXX XXXX  had no interest in the property, and no payments were due to the XXXX XXXX XXXX. 
XXXX XXXX
Product: Debt collection

I asked several times for lvnv Funding to verify my 2 debts. Lvnv Funding has continously sent me blank statements saying that it was verification. I asked if they would delete if paid. They said no. I recently removed dispute comments from all of my credit reports, to start the mortgage process ... ..I took a significant hit on my points. Less than 2 weeks later ... .LVNV funding has decided to ruin my life a little more and put the comments back. This is rediculous!!! Now to remove the comments again ... .I 'll have to take another hit on points. I want these 2 accounts they hold deleted!!!!
Product: Mortgage

I am in the process of selling my home and have moved the closing date twice due to Ditech not having the title on my home. I have a little over XXXX acres and a doublewide and they are showing it as real property and have a deed of trust. The title company attempting to handle the purchase for the buyers and myself have attempted to speak with someone from Ditech since XXXX to explain the situation but they will not let us past customer service. They keep saying they will do a work order and send it in but when I call back as they will not return calls I am informed there is nothing they can do as they are not required to have a title. Here is the background. We purchased the doublewide and had it set up on property we also purchased and done the mortgage through XXXX who went out of business. XXXX XXXX XXXX took over the loans to my understanding. At a later date, Green Tree purchased my loan from XXXX XXXX XXXX and Green Tree later changed its name to Ditech. The title never exchanged hands from XXXX apparently as when I called XXXX XXXX XXXX they stated that they also showed the home as having a deed of trust as Ditech does. The XXXX company however has found an active title on file in the state of TN and it has XXXX listed as lienholder. I went to my local county clerk 's office and they were able to pull it up and show it to me with no problem so the title company is correct. Now the problem is, I 'm blocked from apparently selling my home because my current lender ( Ditech ) refuses to accept the fact that there is a title out there and all that is needed is for them to simply apply for and {$11.00} duplicate title!! Customer Service is not allowed to transfer calls to anyone we can explain this to that will understand what we are talking about. Even if I was to keep the home and pay it off I would not own it without the title!! I am about to loose the sell of my home over a senseless disrespect of customer service and {$11.00}. Please help ... Ditech is treating their customers wrong by not answering questions correcting, returning phone calls, nor assisting in matters that are their responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the amount from XXXX consumer in full in XXXX of 2022. I checked today to make sure everything was okay and then I see that it says that I missed a payment and owe XXXX dollars which is false information. I do not owe any money to them and confirmed with them that everything was paid off. This is false information and dropped my credit score for absolutely no reason. They are refusing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was sick and almost died on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has an incorrect piece of information on my credit report that there is no way to dispute it. I keep logging in and it says it's not my login information and that I need to create a new account. When I try to do that it prompts me to login with my existing account, only to tell me the login info is wrong and I need to reset it. When I try to reset everything including the login name it says " unable to retrieve login information. '' It's just taking me in circles at this point and this is really frustrating because there is a fraudulent charge on my credit report that is negatively affecting my credit
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and frustration regarding the multiple unsuccessful attempts to remove the late closed and charge-off accounts on my credit report. These inaccuracies have persisted, despite previous disputes, and continue to have a detrimental effect on my creditworthiness. I hereby request an immediate and thorough investigation to finally resolve this matter. 

Despite multiple prior attempts to rectify these inaccuracies, they persist on my credit report, negatively affecting my credit score and financial standing. I have provided documentary evidence and information in each previous dispute to support my claims. 

I kindly request that you conduct an immediate and thorough investigation into these late closed and charge-off accounts, ensuring that my true financial history is accurately reflected on my credit report. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request a written explanation of the steps you have taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and has hampered my ability to secure credit, loans, and financial services. It is imperative that these issues are resolved promptly to restore my creditworthiness and financial stability. I am asking for your immediate assistance to remove the following accounts in my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.