23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo hasn't provided original documentations when asked by the three credit bureaus ( XXXX XXXX XXXX XXXX ). I submitted disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX has since removed this account from my file but it still remains on my XXXX  and XXXX credit files. Wells Fargo has had a long history of ignoring laws and shady tactics, that sadly affected the lives of millions in this country. In the documents attached below, you will see when I first submitted my 609 letters and XXXX  removing Wells Fargo Card services from my account. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.
Product: Credit card or prepaid card

Credit card was not usable and could not get to speak to a representitive.
Product: Debt collection

On XX/XX/XXXX, I had no choice except to follow my lawyer 's advice for filling XXXX XXXX  Bankruptcy to stop foreclosure initiated by XXXX XXXX, counsel for XXXX XXXX XXXX XXXX XXXX XXXX I had only a few hours to comply with the requirements for filing XXXX XXXX bankruptcy in an expedited electronic filing with the United States Court. XXXX XXXX tricked me in early XXXX of XXXX into postponing the hearing, scheduled at the County Courthouse for a temporary injunction by the court to stop collection activities and take the case to jury trial. 

To become a lawyer, one has to go through an extensive law school, learning all sorts of subject studies, including ethics and upholding justice for all. In fact, that is not the case for this lawyer. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and his associates, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), are crooked, dishonest, greedy. They conspired to commit approximately multiple felony counts of California Penal Code 115 by viciously and intentionally inflicting harm to my family and me to take away everything that I had worked hard for the past thirty years. It was like pointing a XXXX at my head in a robbery incident compared to the foreclosure proceedings scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, when the fraud was discovered with the help of a judge in XXXX XXXX XXXX XXXX XXXX for checking at the Recorder Office, I immediately filed a complaint with the District Attorney 's Office. I swore to the investigator, XXXX XXXX XXXX, " I bet my life that I am a victim of fraud. '' He looked at my eyes and told me he was a criminal investigator, but he had no experience in real estate crimes. 

Anyway, I intend to fight this case until justice prevails. XXXX XXXX XXXX and his associates risk felony charges, banning from practicing laws, and a hefty jail time and fine if all of you are still pretending to act viciously to massive fraud due to greed and dishonesty. 

Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both XXXX   and Equifax.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Consumer Center, I hope this letter finds you well. I am writing to bring to your attention a matter of disputed accuracy concerning the bankruptcy information within my consumer report. Upon reviewing my report, I have identified discrepancies related to the bankruptcy entry. I believe the information reported is inaccurate, and I am formally disputing its validity. DELETE IT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Experian is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Experian verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Experian that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.SXXXX Bankruptcy courts, they deleted the unverified account immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with their error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We are in the process of refinancing our current home loan that is with XXXX XXXX. We are refinancing with XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX. However, in the title search processing, it was discovered that an old loan ( XXXX ) that we had with U S Bank NA, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX MO XXXX has not been properly released per the Recorder of Deeds in XXXX XXXX County. We paid that loan off in XXXX XXXX XXXX. 

The Deed of Release for the XXXX payoff was improperly worded. Instead of releasing the actual title, U S Bank release the Assignment of the Deed of Trust that they had with XXXX XXXX. 
The document that U. S. Bank needs to correct is the XX/XX/XXXX Deed of Release. They released XXXX XXXX but they did not release us. The loan was completely paid off on XX/XX/XXXX. 

We contacted them via email ( see attached response from U.S. Bank department of Purged Releases. This was on XX/XX/XXXX. We also contacted them on XX/XX/XXXX and they told us they would get back to us asap. We have heard nothing from them. 

We can not get a refinance loan until they correct the Deed of Release, dated XX/XX/XXXX, and completely release us from this loan. In fact, we can not sell our house if we wanted to until U. S. Bank corrects the mistake that they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in conjunction with XXXX XXXX, XXXXXXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....
Product: Credit reporting or other personal consumer reports

A power of attorney which cancels all others and shall be provided in any situation from it creation. Along with written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section 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 and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ) amount of {$6700.00} XXXX - account XXXX XXXX XXXX XXXX ) amount of {$4000.00} XXXX - account XXXX XXXX XXXX XXXX XXXX amount of {$5800.00} XXXX XXXX XXXX- account XXXX XXXX XXXX  XXXX ) amount of {$1400.00XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ) amount of {$3100.00} has violated my rights. 15 U.S.C. 1681 Section 602 A, states one has right to privacy. 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written consent
Product: Debt collection

I have been getting phone calls from Phoenix Financial Services for a few years about a debt for some person that I do not know. When I have answered the phone, they asked to speak to XXXX ( I never know his last name ). I have told them repeatedly that I do not know this person and that they have the wrong phone number. They have continued to call me regardless of me not knowing the person they are trying to contact. They call me about once a day ( sometimes more ). I usually ignore the calls, but today I received a call at XXXX XXXX. I called the number back because I loathe phone calls before XXXX XXXX. I was hung up on and had to call back to speak to someone to tell them AGAIN that they have the wrong number. I received another call from them at XXXX XXXX. This is 2 calls within 4 hours -- after I JUST told them they had the wrong number. I tried to call the number back ( again ) and they hung up on me multiple times before I could even say a word. Their tactics and multiple hangups are absolutely ridiculous. I can't get anywhere with this company to get them to leave me alone. I have blocked the number they call from, but then they just call from another number. I'm tired of this harassment. I want it to stop.
Product: Checking or savings account

I received a letter from Chase Bank that they are closing my checking account and also closing all of my credit cards associated with them. The exact words in the letter state that Chase Bank " decided to close your account because of unexpected activity on these or another Chase account. '' I called their support number and they would not give me any information as to why they are closing the accounts. They would not tell me what the " unexpected activity '' was and they would not give me the option to work with them to resolve the issue that they have. There has not been any unusual activity on the credit cards or with checking account itself. The account they are closing belongs to a business that I have used through them for many years and it is going to cause huge turmoil to move to a different bank. The customer service rep told me that their system flagged me and that I will not be able to open another account with them for myself, my business, or with any other businesses that I have for an indefinite period of time.
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. 
Account Name : XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Name XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name XXXX 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 1681c. ( a ) ( 5 ) Section State : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1691s-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

I 've paid a debt that has been reporting on my credit and was told after I pay it, It will be remove from all three of the credit bureau
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX - XXXX # XXXX - {$710.00} - the account does not belong to me. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} - the account does not belong to me. 
XXXX. XXXX XXXX - XXXX # XXXX - {$2900.00} - the account does not belong to me. 
XXXX. XXXX XXXX - XXXX # XXXX - {$200.00} - the account does not belong to me. 

INCORRECT CREDIT INQUIRIESI am disputing the following inquiries which I did not authorize:1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help.

15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX, and they made me do a 1 month term loan after getting out of school they demanded i pay the loan back in full during the first and only month to repay it, i could not afford of pay the loan back in all of one month, this has effected me and i cant get certain loans because of the payment history of this loan even though i eventually paid it off. 
ive disputed this through the 3 major CRA and they have denied to take it off my report DO NOT get a loan through them you will regret it.
Product: Checking or savings account

Td bank closed bank account for no reason they said a legitimate check from the government was fake and it wasnt. I had all proof check was real, even brought them the proof and they would offer no help at all. Even though they cashed the check and it cleared they still shut down accounts. I have no way to get any money none of my bills are getting paid my credit score is being affected, my mortgage everything. This is horrible what they did to me for no good reason they said they can close an account anytime they want. You should be able to sue this td bank leaving me with no access to money or any way to pay my bills. The manager was horrible the way they treated me and XXXX XXXX and treated me like a criminal. Do not do business with TD BANK!
Product: Student loan

My federal student loans are currently being serviced by MOHELA. I am enrolled in the SAVE plan. The Biden administration has announced that due to the ongoing litigation surrounding SAVE, all accounts enrolled in SAVE will be placed into a zero-interest forbearance for at least six months. 

I logged into MOHELA to make sure that my account would be included in that zero-interest forbearance for at least six months. Instead I am seeing an alert on my account saying that my forbearance will end in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

have identified likely malicious and certain unproven complaints reported personal identifying information on my credit file. I am within my federal and state consumer and or civil right to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 section 151 the ambiguously obliges a recount all of the motis operandi used by your agency in the pic here a minute this these alleged it yet unproven true, correct, complete, much less compliance items of personal identifier information that I believe is possibly incorrect, including this was obtained by third-party information trafficker and soul to your firm. I have enclosed copies of my state issued identification and Social Security card to validate my identity. I believe it is false and misleading information that you are reporting is likely directing resulting in or will in the future results and incorrect account mergers on my credit file and that this is injuries to my credit Health and credit wealth. The following reporting derogatory allegations of information or either untrue, incorrect, and complete, and timely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standard and must be eradicated immediately, do so today, even right now! The obvious and fractions are as follows : Please delete this erroneous information immediately! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Personal Statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. XXXX XXXX Inquired on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, after receiving endless mail from Prosper Bank regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, Prosper began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
Product: Credit reporting or other personal consumer reports

I recently got a credit report from Experian, it had false former addresses attached to my credit report as well hard inquiries of auto loan attempt.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report.

XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, Section 605 ( h ) ( 1 ). This section ensures the accuracy of consumer reports, including the personal identifying information reported by credit reporting agencies. 

I contacted Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed the item may not appear on my credit report if it can not be supported by any evidence or proof. Please remove the following items from my credit report, immediately. 
CAF
Product: Checking or savings account

It began with my XXXX account. Funds were being sent to someone else. Then funds were being charged to my checking account in another country. They issued me 4 more debit cards none of which would activate because someone else was using them before I received them. I called over and over and spent HOURS on the phone with them asking them to stop the transactions but they didn't. Chase bank
Product: Checking or savings account

On XX/XX/XXXX, I had a check for {$660.00} and a cash of {$1400.00} to deposit, since i got off at work at XXXX, by the time I traveled to my bank location in XXXX XXXX it was past XXXX, so I had to use the ATM for my deposits. There are XXXX cameras watching the ATM and there was a security officer sitting near the ATM also, the machine asked if I wanted to deposit check or cash or both, so I selected both. It asked me to deposit the check first which I did, then it asked me to deposit the cash, I also obliged but the ATM sucked in both the check and the cash and would not return anything. 
A notice appeared on the screen saying that this transaction could not be completed, that I should contact the XXXX number which is the same as the number on the back of my debit card which I did. The customer service rep said not to worry, that a temporary credit will be issued to my account pending their investigation which they did. So I didn't care to check again since a credit was issued. Last week, I had another check to deposit, i went to the same location and made that deposit, the machine said that a portion of the check amount is cleared while the balance will be reflected on my account the following day. The following day, I logged on to my mobile Chase app to see if that balance cleared which it did, so I kept scrolling in my mobile app to see my expenses, that is when I noticed that on XX/XX/XXXX, they reversed the credit they gave me for the cash of {$14000.00} citing that they couldn't find the cash. I took a day off from work and went to the branch where I always made my transactions and officially made a complaint that i need my money returned to my account. 
They told me that I should give them from 1-3 business days to do their investigation, that someone will call me. After 3 days, nobody called me so i gave them a call and they said, they couldn't locate the cash. I asked them, of all the cameras watching the ATM, and when they came to work the morning after I made the deposit, they found out that one of their ATM isn't working, who was the technician that fixed the broken ATM that my money was stucked in?, I couldn't get any response.