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

WELLS FARGO BANK Fraud Case XXXX On Tuesday, XX/XX/2021 I became a victim of wire transfer fraud when I responded to an email that appeared to be from XXXX XXXX XXXX of XXXX XXXX. 

My wife and I are in the process of purchasing a home in XXXX, Washington and the wire transfer was intended for the down payment and closing funds for this purchase. 

A wire transfer in the amount of {$33000.00} was sent to Wells Fargo Bank on XX/XX/2021. The account was allegedly in the name of XXXX XXXX XXXX of XXXX XXXX and was sent from my bank account with XXXX Bank. 

On the same day the wire transfer was sent to Wells Fargo I learned I had been spoofed by a fraudulent email request and a wire recall request was placed by my bank to Wells Fargo. 

Wells Fargo Bank requested a Letter of Indemnity from XXXX Bank in response to the wire transfer recall. 

After filing a complaint with CFPB due to XXXX Banks lack of timely action and follow through on this matter, XXXX Bank responded to Wells Fargo Banks request on Tuesday, XX/XX/2021. 

The Wells Fargo Bank fraud department has confirmed their wire department is in receipt of the paperwork from XXXX Bank. The paperwork is under review by Wells Fargo Bank. 

Wells Fargo Bank has acknowledged they are holding the wire transfer funds pending response from XXXX Bank. 

During the course of communications with XXXX Bank and Wells Fargo Bank, all parties were made aware of the time sensitive nature of the matter and that prompt action was needed to not only ensure return of the wire transfer funds, but to also prevent losing our ability to purchase the home of our dreams and suffering additional financial loss by losing our earnest money deposit. 

I am submitting this in hopes of expediting the process of getting my wire transfer funds promptly returned so that I may finalize the purchase of our new home.
Product: Checking or savings account

BofA is discriminating against us as XXXXXXXX XXXX Consumers & U.S. Veterans and not allowing us to utilize our overdraft protection and is penalizing us because they were sanctioned by the SEC/OCC regarding their prior fees they have over-charged various consumers and now as a retaliatory tactic, not allowing us to have our debits paid when they come through the account, although we signed up for the Overdraft feature to be turned on which is not associated to a savings account being linked to your checking. 

I was informed by a Customer Service Rep on the phone this morning during a Customer Service call around XXXX that our account had been blocked from allowing debits to be paid on our account. In hindsight, they have not been allowing us to utilize the Debit OD feature for the last 3years and it is unfair to us as XXXX XXXX XXXX Banking Consumers who have been with BoA for over XXXX. They allow the XXXX XXXX to utilize this feature without having a XXXX XXXX monthly balance in their accounts. Why are we being informed that is the only way you can utilize the OD Protection Debit Program. 

When I called the other day to dispute a {$200.00} ACH which I did not authorize for XX/XX/XXXX which was debited from my account on XX/XX/XXXX, I was informed it would take up to 15 days to receive the money back, although they were provided proof that it was paid from our other bank on XX/XX/XXXX and the merchant was not to debit our BofA Account until XX/XX/XXXX, as I did not approve the amount to be debited out of my BofA account on XX/XX/XXXX. The representative who opened the claim did not create the escalation form and I had to visit the bank on yesterday to have them review the claim and take additional actions, and the monies have still not returned back to our account. 

In turn, this has caused a major financial hardship with monies we were anticipating to still be in our account and if we had access to the Overdraft Protection, I would not be reaching out in the current forum. However, we have been maliciously blocked due to systemic XXXX tactics exhibited by BofA and the Banking Data Models which also identifies a Clients XXXX XXXX XXXX  These Discriminatory and Biased practices are unacceptable and we should be able to utilize the Overdraft Feature on our Debit card especially during emergencies as such, when the funding has not came back into your account. 

There are also very XXXX  connotations and beliefs made by BofA towards XXXX XXXX American clients as wellthe belief that we do not deserve to have access to Capital or Resources and think we should suffer under the old XXXX XXXX XXXX which are also discriminatory. 

The Banking Practices and rampant retaliation during this political platform is also contributing to the maltreatment of XXXX XXXX XXXXXXXX and U.S. Veterans as well which is also unacceptable.
Product: Credit reporting

A less vague guide to improving a credit score could be provided by the designers of the credit score analytics ; FICO and XXXX. The bland recipe for starting, maintaining or correcting scores is not very helpful. Things like, pay your bills on time and do n't use too much a of a credit line can be arrived at through the use of some common sense.These " tips '' are much too generic to be truly helpful to consumers. They should advise us what the real story is. Tell consumers exactly what they should do to improve their scores and be specific. If paying off that past due XXXX card would raise my score by XXXX points than let me know. If paying of that {$400.00} balance on my auto loan will raise my score by XXXX points than tell me that. Bobbing and weaving through the vagaries of credit scoring for the average consumer is impossible. A transparent, easy to follow, step by step formula for increasing consumers credit scores would do a world of good for everyone from the most unsophisticated consumer on up. The credit scorers will come back, once approached with this idea, and claim it is impossible to do. They will assert that they do n't know what other factors may occur affecting your credit score to enable them to make a specific prediction as to a drop or increase in a score. My answer to that is for them to add a disclaimer saying, " If no negative factors related to your current score are reported your score should increase by approximately " xyz ''. This will at least give some guidance as to which specific accounts are more important to your score. I received my free XXXX report and score ( based on an Equifax credit report ) from XXXX to XXXX, XXXX substantial items changed on my credit report yey my score did n't change at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my transUnion, XXXX, and XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, XXXX and Transunion ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.
Product: Debt collection

I wanted to file against Portfolio Recovery Association, LLC that they called me often time without left the message on my telephone, XXXX. 

I do not know if there's a rule for them " must leave the message '' if I am not available on the telephone? 

Also, Portfolio Recovery Association is violated to use my debt collection of CareCredit ( for medical expenses ) under XXXX Bank for my privacy XXXX  rights. Also, I am complaint against them because they submitted the summon document with the county courthouse without reasonable due my XXXX privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently view my credit report an i can see an unauthorized credit inquiry made by XXXX XXXX made on XX/XX/2022 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above.
Product: Mortgage

Carrington Mortgage Services refuses to return our escrow funds to us after closing on our home where they serviced the mortgage on XXXX XXXX, 2017. We already paid the county our portion of the annual taxes at closing, and Carrington Mortgage Services says they are " choosing not to return '' our escrow funds to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

The late payment entries are not aligned with my consistent payment history.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( S ) 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 or crimes which antedates the report by more than seven 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 the information is inaccurate. 
These inaccuracies are hindering me from future lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUinon, XXXX continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. 

( 3 ) Inconsistent reporting by XXXX, TransUinon, XXXX.
Product: Debt collection

Credit Corp Solutions-Account rep XXXX XXXX XXXX to tell me ( most recently XX/XX/year> ) that the only way I can make a payment arrangement is to have it auto-drafted from my bank account. Otherwise I'm not considered to have arrangements. I've been told that I must call every month to make payments if I don't set this up. 

Additionally, when attempting to use their online payment portal to make timely payemnts, the website does not work. attempts at getting technical assistance have been unsuccessful. This results in late payments. The company states customers can make payemnts via the portal. 

Spoke to Account XXXX XXXX ( no last name given ). She set me up on a payment plan where I mail my own check by XXXX each month.
Product: Credit reporting or other personal consumer reports

SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I had a visa account with cabelas. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.
Product: Vehicle loan or lease

Bank refused payment multiple times over 2 year period, XX/XX/XXXX to XX/XX/XXXX. I had to drive 45 mins to the nearest wells fargo location multiple times to sort the issue out with a bank manager until the summer of XXXX. In the end, I either missed a payment in XX/XX/XXXX, or they wrongfully didn't add the payment into the loan. I continued to make payments until they charged off the account and refused to accept the continued payments of the loan. 
They have also mischaracterized details of the loan on my credit report. Total loan amount was over {$23000.00} with the remaining balance between {$14000.00} and {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DPT EDXXXX XXXX US DEPT ED XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX US DEPT ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my XXXX credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

There are XXXX XXXXXXXX XXXX accounts being reported on my transunion and experian reports that are from fraud. Thr original credit cards have been removed. that the collection agency that are listing these on my credit report. How can I XXXX responsible for charges that were fraud in the first place. The charges never existed. I've disputed multiple times and asked them to remove it, with no success.
Product: Debt collection

I contacted XXXX on two separate occassion asking them to validate a debt that they claimed belonged to me. This last letter I sent out to them was sent out around XX/XX/XXXX I sent out yet another letter to the credit reporting agency and a letter to XXXX  XXXX XXXX asking them to validate the debt. What they sent to me is a bill on their letter head with my name XXXX XXXX as being the patient along with the dates of service and the amount due. But the actual bill was addressed to XXXX XXXX. They said that they believe that the bill is valid yet they did not send me anything from the company itself. If they are legally able to collect on this debt then they should be able to validate the date with more than an amount and a bill with two different name on it I have been the victim of fraud and I am very careful as to anything on my credit report that seems suspicious
Product: Debt collection

I have repeatedly told the people calling that they are calling me after XXXX XXXX CDT. I get calls repeatedly all day long after I have spoke with another representative to make arrangements. I am now being called late at night on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX CDT.  This company threatens and bullies during phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My signature was forged on fraudulent activities in my account this happened in XXXX  from what the report says. They ended up closing my account resulting in me not having an account with them anymore.
Product: Debt collection

I got a installment loan for {$250.00} for a 7 month term. I have paid this back and its still on my credit report after 6 years and they have not updated payments Ive made. They keep adding extra money to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX