23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/2016 at about XXXX, I met with Home Mortgage Consultant XXXX XXXX, of Wells Fargo Bank at his office at XXXX XXXX XXXX XXXX, XXXX, CO XXXX regarding a refinance of a house I own. 
I Provided hard copies of documents requested and made a payment of {$790.00} via a Wells Fargo debit card from my account with them. 
Later that night I discovered that I was able to get an additional loan via my current VA certificate and a refinance was unnecessary. 
I called XXXX XXXX the next morning and cancelled the refinance. XXXX XXXX was very understanding and stated I would get all monies refunded. 
After not seeing anything credited to my account by XXXX/XXXX/2016, I sent an XXXX mail to both XXXX XXXX and his manager a XXXX XXXX XXXX inquiring as to when I can expect to receive my money back. XXXX XXXX replied that a refund was approved on XXXX, however it takes time, and should be credited " Any day. '' As of todays date I have received no refund and believe that with todays technology a refund should not take three weeks or longer! I have an account with them, they got the money from me in seconds! Yet I should wait up to a month for them to refund? This seems quite wrong. 
I XXXX mailed both XXXX XXXX and XXXX XXXX again today and have yet to get a reply. I do not know where the problem lies exactly, as XXXX XXXX and XXXX XXXX have seemingly been vey helpful.
Product: Checking or savings account

On friday XX/XX/XXXX I transferred via XXXX XXXX from my XXXX XXXX XXXX   account to Bank of America. Bank of America put a hold on the transfer and froze the funds until XX/XX/XXXX. I had a bill pay that was set up for XX/XX/XXXX to pay my car payment ( XXXX XXXX ). Realizing that my funds that I expected to be immediately available would not be on XX/XX/XXXX I deposited a check in the amount of XXXX from XXXX XXXX to cover my car payment. On the app of BOA it states that the check deposited would cover all transactions posting on XX/XX/XXXX but that they were going to put a hold on that check also. On XX/XX/XXXX my car payment was returned I was charged a {$35.00} returned check fee from BOA and from my car company and when I called BOA to ask why were there all these holds when I had over XXXX pending to pay a simple car payment their response was that I had not developed a relationship with them and once I had transactions like this might be approved I. The future. Ive been with BOA for over a year and never had this issue. What has changed in the last two Months is I cancelled my direct deposit because I felt they were arranging transactions in orders to where I would occur a fee. Just like this situation. No one could explain why if I have over XXXX pending. I had an immediate transfer through XXXX a product they encourage you to use Boa would return my payment. Their response was I dont understand banking and maybe they will try to break it down into language Ill understand.
Product: Credit reporting or other personal consumer reports

This marks my second attempt to address a concern and serve as a follow-up to my initial complaint dated XX/XX/XXXX. It is imperative to reiterate that, in accordance with FCRA section 605b, Credit Reporting Agencies are obligated to expunge any entries indicated on an identity theft report, specifically identified as # XXXX. As stipulated in Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to eliminate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the need for the removal of inaccurate information currently reflected in my credit reports. The following inquiries have been expressly identified for removal : -- -- -- -- -- -- -EXPERIAN 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXXXXXX 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

I have my auto loan with Wells Fargo and I only have 3 payments remaining but because of the account fraud and auto insurance fraud and merchant services fraud, Wells Fargo has put me out of business taking away my ability to earn a living and generate revenue for my business. And of course I am still in an investigation that has been going on for 12 + months because Wells Fargo refuses to answer all of the questions - I recently filed additional complaints that should have been answered back in XXXX or XXXX but Wells Fargo ignored some of the questions. 

In addition, I have filed a previous complaint and I finally received my refund 3 years later and then the check bounces and no apology - they reissued the check an still no apology. My credit report is still damaged. 

On Friday XX/XX/2020 I spoke with Wells Fargo Dealer Services and was told my account was charged off with no consideration for the multiple Wells Fargo frauds. And I was told by Dealer Services that they don't have anything to do with the other Wells Fargo businesses with the ongoing investigation. So they basically did not care about what happened to or how I had money stolen from my account and more importantly the collateral damage from the frauds. 

Also in complaint # XXXX filed on XX/XX/2020, Wells Fargo denied me the opportunity for working capital by ignoring my multiple communication attempts regarding lenders/investors who wanted to provide working capital and they gave the poor excuse that I did not sign a borrowers consent form - it took Wells Fargo 7 + months to craft this poor excuse. This was an opportunity to get working capital and put my business back on track. 

So now my credit is much worse thanks to Wells Fargo.
Product: Debt collection

Have received 8 calls in 3 days. They have also started calling my references asking for me. Called them and made a payment.
Product: Debt collection

To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The Transunion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate Addresses : 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 or other personal consumer reports

XX/XX/year> sent letter requesting agreements XXXX XXXX card Various other credit cards reporting late
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXXXXX  & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX XXXX XXXX ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This company I have no knowledge of.It appeared on my credit report for no reason at all.Im assuming it belongs to my XXXX  spouses name.
Product: Debt collection

I entered into a rental contract on XX/XX/XXXX with XXXX through XXXX XXXX XXXX. Per XXXX XXXX after 13 months of rental equipment becomes property of patient. Around XXXX XXXX I started receiving threatening messages from XXXX that they were coming to pick up equipment because I did not have insurance coverage. Please note that I informed XXXX if they stepped foot on my property the XXXX XXXX Police Department would be called to remove them and charge them with trespassing and harassing the XXXX for life threatening equipment. I have attached my proof of coverage. I switched to a different XXXX XXXX plan in XXXX. Nonetheless, XXXX opened up several investigations to XXXX 's threats and correspondence those can be found yellow attached post it note beginning with # XXXX ...., XXXX also reached out to XXXX to inform them of the XXXX guidelines as well as the fact that I owed them nothing. XXXX has ignored XXXX and myself and has now turned me in to State Collection Service. I am now receiving calls and collection notices from both State Collection Service and XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX Equifax Account names : XXXX Auto : 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  and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - XXXX XXXX XXXX section XXXX A states that I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my my written instructions. XXXX XXXX XXXX C ( A ) ( XXXX ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then XXXX years. - XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX  XXXX and AZ XXXX XXXX XXXX  XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

My credit will not be penalized for the late payments caused by Truist Bank 's failure to calculate all the fees. This was a mistake on the company 's part, not mine. The reported late payment amount of {$66.00} was a result of their negligence. I contacted Truist and authorized the automatic deduction of that amount due from my account. However, they failed to include it in the total due, leading to my late payment being reported. I was unaware of this fee.
Product: Debt collection

Original complaint filed for verification of debt on XX/XX/2020. The company failed responded without requested requested verification.
Product: Credit reporting or other personal consumer reports

I tried to fixed this issue for several times but still reflect in my report please delete this account now or else i will file a case. Please delete this account now. Here 's the list XXXX XXXX XXXX XXXX Inquiry : 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 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 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

Transunion Confirmation # XXXX Filed a dispute with Transunion about inaccurate and non verified information on my credit report. I also disputed this information with the creditors, whom were unable to verify or validate this information. I am not sure how transunion was able to, if the furnisher could not. I am filing this complaint with transunion because they've ignored my request to provide me with the documents that their company has on file that was used to verify accounts that i disputed. Being that the accounts can not be verified, under section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 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 card or prepaid card

On XX/XX/2020 there was a {$27.00} charge in the card. First off I dont know what card this even is I just pulled my report and have no recollection of getting a credit card from a bank in Delaware. 
On XX/XX/2020 it added another {$27.00} Im also unsure what this was for or why this happened. There was no attempt to reach out to me via phone or email. Which leads me to believe this card was opened illegally.
Product: Credit reporting or other personal consumer reports

Transunion : The below are hard inquires on my Transunion report that are unauthorized. 

XXXX  XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 According to 15 USC 1681 Section 604A. States that a consumer reporting agency can not furnish an account without my written instruction. They have violated my rights.