23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear CFTC : please open an official inquiry on Wells Fargo. I am also filing a complaint in the CFTC portal and a complaint with the Federal Reserve. Their mistake and gross negligence has cost me time, denied me access to my money without any cause, and cost me money ( both {$40.00} out of pocket and an estimated lost time of {$600.00} and rising - with each communication ). 


As background : Wells Fargo offered to replace my card with one it claimed was more secure. I declined and explicitly asked them to leave the card and account as they were - working and good through XX/XX/2017. Instead, contrary to my written request ( see below XXXX, Wells Fargo closed the card. They attempted to force me to receive and to use another card - which would cost me money, time and inconvenience to do so. Rather than admit the mistake and correct it - by returing the card and accounts to their original, Wells Fargo seeks to further inconvenience me and to waste my time. That result is unacceptable. Is is lawful? 

I want Wells Fargo to re-establish the original and functioning card, which is in my possession now. Also, I want Wells Fargo to reimburse me the {$40.00} of additional car rental cost I incurred because Wells Fargo provided a temporary card - which does not have my name on it. Car rental companies require the name. Otherwise an another driver must be used - which costs $ XXXX+ each day. I just did a XXXX day rental - which is the {$40.00}. 

In addition to this complaint, I will share the facts of this situation with at least XXXX additional advisor ( either regulator or social media ) in an attempt to expose Wells Fargo 's incompetence or potential lawlessness. Perhaps it 's just poor client service, because apparently they do not read what is written, that merits some financial penalty. 

Please investigate and advise. I will follow-up this email offline. 

Best regards, XXXX XXXX. 
Email : XXXXXXXXXXXXTel. : XXXX [ I prefer written communications so that there is a record, as the Wells Fargo evidence shows below ) NEXT MESSAGE : -- -- -- -- -- -- -- -- -Team Wells Fargo. Please retain the current Card ( do not open the one that was mailed ). I will arrange to pick-up the new card at a local branch.
Product: Student loan

After filing XXXX  XXXX bankruptcy that included all my debt specifically students ' loans originally XXXX but transferred to Aidvantage for the amount of {$94000.00}. I have sent attached the original discharge letter dated XX/XX/XXXX, that is listed as debt. I am currently in a forbearance because for obvious reason can not afford to pay. These student loans date back as far as XXXX - XXXX. Dept of EDXXXX Aidvantage formerly XXXX fail to acknowledge. I have sent several certified letters, and nothing was done. I have filed a report with the FTC, which is attached with complaint. FYI, My former name was XXXX XXXX XXXX, and my current name is XXXX XXXX XXXX.
Product: Debt collection

Back in XXXX ERC stated that I owed original creditor XXXX XXXX XXXX equipment fee of {$100.00}, they posted it negative to credit bureau 's. I disputed this and proved to the credit bureau 's that I paid the account in full, so ERC agreed to take the negative report off, I also told ERC not to contact me back in XXXX. 
Now ERC Has called called me twice in 2 weeks and sent me a collection letter for the same account from XXXX XXXX XXXX recently. 

I called XXXX XXXX XXXX ( now called XXXX ) and spoke to XXXX XXXX ID ; XXXX on XXXX XXXX XXXX, she verified that I paid this in full on XXXX XXXX XXXX account # last four : XXXX. 

ERC keeps on contacting me on this settled account please help me with this or inform me on how to take further legal action against this company. 

I very frustrated with dealing with this every couple of years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX I do not recognize this account and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Product: Credit reporting or other personal consumer reports

I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXXXXXX XXXX $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

COVINGTON CREDIT- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


COVINGTON CREDIT ( 2 ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

XXXX XXXX ( 2 ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

COVINGTON CREDIT- {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX XXXX ( 2 ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

XXXX XXXX XXXX $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have send letters disputing my credit report through Experian, XXXX and XXXX with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.
Product: Debt collection

i checked my credit recently and This collection account list the following company as the creditor ( MIDLAND CREDITMANAGEMENT, INC. ). This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. they are abusing my rights and i never received a letter from them and if they did ( i honestly do not recall receiving one or i would have for sure dispute it ) so my potential failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court ( 15 usc 1692g. ( a ) ( c ) as i just found out looking at my credit online. this is stressing me greatly! I sent Notice & Demand for validation of debt, Dispute letters, see attached This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. MIDLAND CREDIT MANAGEMENT , INC.- Last reported XXXX Reported balance {$1800.00} Thank you for your help getting me proper remedy.
Product: Debt collection

I contacted EOS in regards to a XXXX debt. We made arrangements for me to pay off {$540.00} of a {$720.00} debt. The representative told me that once the debt is paid off, it would show as a zero balance on my credit report. I asked for them to put that in writing, but they refuse to.
Product: Checking or savings account

Opened current bank account for first stimulus check. Changed phone numbers and the only way to get into account is with number I no longer have. I am unable to get into my account sent them prove the money was deposited in that account. Someone emailed me asking for all my info so they can open account that was weeks ago and they are not responding to my emails. They are holding my money. Please help me I have all the proof its my account. I have an email from current that says the money was deposited. 


Thank you so much
Product: Mortgage

We paid off our mortgage. A refund check around {$1500.00} was mailed on XX/XX/XXXX. We were not contacted until letter dated XX/XX/XXXX that it had not been cashed. After calling them on XX/XX/XXXX, they assured us that a stop payment would be issued and a new check mailed. After not yet receiving the check today, XX/XX/XXXX, we called to check on the status and were told they would check on it and get a call back by next Tuesday, XX/XX/XXXX. Unacceptable that a company would retain someone else 's money for an indefinite amount of time.
Product: Credit reporting or other personal consumer reports

I have been notified by XXXX, XXXX, XXXX XXXX, Cash App, XXXX, XXXX and Illinois XXXX XXXX XXXX XXXX XXXX XXXX Data Breach within their company. My information has been compromised and someone is using that information to try to obtain credit fraudulently. The following inquiries were made and I did not authorize any of these transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Signature XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. These inquiries are causing undue hardship because they are affecting my ability to gain credit. By law I have a right to privacy and by the credit bureaus reporting these unauthorized activities they are in violation of that law. I had to file bankruptcy due to this matter keep happening, I had to because I was a victim of identity theft. I also feel reporting
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CREDENCE RESOURCE MANA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND XXXX CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681cXXXX REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. states I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a collection from XXXX XXXX XXXX XXXX was reported to my Transunion Credit Report. On XX/XX/year> I attempted to file a dispute regarding this collection as I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. I do not know this company and I am unaware of any debt owed to them as I have never signed anything with them. I was unable to file a dispute online so I made a call at XXXX to continue the dispute process with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : XXXX XXXX Equifax Credit Reporting Agency for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Equifax reporting agency for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 



I previously disputed an account XXXX XXXX XXXX bank account number XXXX on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required five business days. This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. 
The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately. 
Attached is a screenshot of the account reappearing on XX/XX/year>, including my initial dispute letter, and FTC identity theft report. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 



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

I am filing this complaint regarding inaccurate information on my credit report. Despite my best efforts, this issue remains unresolved. I am requesting an immediate investigation and removal as the information is inaccurate and doesn't reflect my true credit history. After moving from rental property on XX/XX/XXXX. The rental property sent it with full amount instead of with our payment included. I tried to have rental property correct the collections but they said thar there was nothing they could do but they emailed me the revised statement. When I submitted it to the XXXX debt collection company in XXXX of XXXX and asked them to get an updated statement, they sent the the original statement that was sent in XX/XX/XXXX instead of inquiring with the rental property for the updated statement. I have tried to dispute with XXXX on XX/XX/XXXX and Equifax in XX/XX/XXXX and they both are saying the information is correct. Even with the updated statement provided. XXXX replied in 12 hours after my complaint. I submitted it at XXXX est. How can an investigation be done overnight?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Debt under 15 U.S. Code 1692g Dear CFPB I am writing to formally dispute the validity of the debt referenced in your communication received on [ insert date of communication ]. Under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692g, I request verification of this debt.

Please provide me with the following information : The original creditor 's name and address.

The amount of the debt.

A detailed statement verifying that I am obligated to pay this debt.

Copies of any documents that substantiate your claim.

I request that you cease all collection activities until this debt has been validated. Please note that if you do not provide the requested information, I expect you to cease contacting me regarding this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did agree to remove the inaccuracy from my credit report and i advised experian of this and they are still refusing to remove from my credit report and delete its entirety, also the representative i spoke with was very rude and acted as if he did not understand what i was saying. i have disputed this from over and over again but they are refusing to cooperate and delete from from my credit report. I want them to know i am getting ready to persue legal action because per the report resolution on this site, it was stated that they would remove ( XXXX ) was the response from XXXX **** I AM DISPUTING ALL THREE CREDIT BUREAUS*************
Product: Debt collection

In the last CFPB complaint XXXX. I asked this company for very specific information, which to date has still not been provided. 

I am requesting an actual physical transactional statement of all loans and transactions both successful and declined, which as an organization should not be taking this long to provide!
Product: Debt collection

I contacted the company diversified consultants via certified mail requesting specific infomation and the company has failed to provide me with the information in my request. Instead the company sent me a letter acknowledging my request and then a copy of a billing statement form the company they are collecting the debt on behalf of. in my written request I asked diversified consultants to provide me with proof that the debt belongs to me ( ( XXXX XXXX ) My request was sent via certified mail. The response given by the company is not proof that this debt belongs me at all. In my request I also requested that they cease and desist all reporting and collection efforts on my credit report. As of today the company is still reporting negative/incorrect information on my credit report and has provided me with the information in requested in the certified letter I sent to them. In accordance with FCRA they must comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

after I deposited XXXX XXXX party checks into my business checking account for a total of {$23000.00} the bank closed my account. I have a business and part of the services that I provided is check cashing. All checks were good, all checks cleared and 2 months later the bank hold the funds and now they are asking to bring to a branch all XXXX checks issuer to confirm the check. 
Because they company checks and XXXX party, I have not relation directly to the check issuer. 
I am asking the bank to give me the money or to give me the checks. They do not want to do it neither. Just bringing the XXXX check issuers to the bank will release the funds.