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

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally lodge a complaint against Wells Fargo regarding their handling of a recent fraudulent wire transfer incident that occurred on XXXX. 

I received a call from someone claiming to be from Wells Fargo ( the number was the actual WF number XXXX ), stating there was wire fraud in progress. They asked to verify my identity and instructed me to add a case manager 's name XXXX XXXX and acct number ( XXXX XXXX ) with my billing address to my recipients under the wire. They proceeded to tell me to enter the exact amount with the incorrect billing it will cancel each other out but confirm I am the real account holder. They claimed it was an outbound-only call and insisted I couldn't call back without risking the release of {$8700.00} to the alleged fraudster named XXXX XXXX XXXX Despite skepticism, I proceeded, then realized it was a scam, called Wells Fargo on a different phone. When I called Wells Fargo the fraudster was on mute and said they could see that I was calling into the call center which made me believe they were real so i hung up. Followed their instructions till I couldn't take it anymore Called WF back and kept fraudster on mute and they didn't stop the transaction. They advised me to block the WF number, filed a claim.

I immediately took the necessary steps by reporting the incident to the Federal Trade Commission, Maryland Attorney General, and the FBI. However, despite my prompt action, the fraudulent transfer to a XXXX XXXX XXXX account was not halted in a timely manner. 

During the incident, I engaged with a Wells Fargo agent named XXXX, who, regrettably, did not take the necessary steps to prevent the unauthorized transfer. Instead of advising a block on the transaction, I was instructed to report the claim, leading to a delay in stopping the transfer. 

Furthermore, my concern deepens due to the lack of cybersecurity measures in place that allowed this fraudulent activity to proceed unchecked. I am troubled by the apparent knowledge that Wells Fargo may have about such specific types of fraudulent wire transfers, raising questions about the adequacy of their efforts to protect loyal customers. 

Additionally, I am dismayed by the absence of XXXX disclosures associated with this incident. It is my understanding that such disclosures are crucial in ensuring transparency and accountability, especially in cases of financial fraud. 

I am reaching out to the Consumer Financial Protection Bureau to request a thorough investigation into this matter and to seek guidance on the steps Wells Fargo should take to prevent similar incidents in the future. I trust that your intervention will not only address my concerns but also contribute to enhancing the overall security and customer protection measures within the banking industry. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Mortgage

I have never missed a payment during the entire time Ive had loan and company states that payment to insurance was sent on XX/XX/year> yet they have sent several communications stating that unless I can show proof of insurance theyre going to place forced ( and more expensive ) insurance onto my property. Additionally this potential lapse negatively impacts my financial future by increasing my risk level and additional costs on future consumer insurance policies. Please advise
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 

The accounts are XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Product: Debt collection

I received a phone call from phone number XXXX and they were alleging that they were from Transworld systems Inc. They stated that on XX/XX/2014 I accrued a {$110.00} debt from the company XXXX XXXX. They allege that my account number is XXXX. Today is roughly 5 years after the alleged debt. And until my conversations with this company today Ive heard nothing about the debt. No notices have been sent nor they will they released me any information or proof the day The debt to me. 

Im not sure that this is a legitimate company nor a valid debt. I did call XXXX XXXX and they have no record of a debt.
Product: Debt collection

My complaint is against Brown & Joseph LLC dba XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter and called my phone to collect {$3900.00}. They have the year make model of my car, my name, my address, and my telephone number. They are collecting for an 'insurance claim ' that on XX/XX/2022 I side swiped a car and sped off leaving another car to repair damages on XXXX & XXXX XXXX '', two avenues that do not intersect, in XXXX XXXX XXXX CA. The date they claim, XX/XX/XXXX is impossible for me to be at the scene because I was in XXXX, MD at that time and my car had been parked for a two week period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting account XXXX XXXX Account # XXXX, 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
Product: Debt collection

XXXX to file an official complaint against the following Debt collector SPS XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX n XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if XXXX XXXX n XXXX XXXX XXXX already released my mortgage debt.
Product: Credit reporting or other personal consumer reports

I noticed XXXX years ago that I had accounts I never opened on my XXXX accounts. I then started filing disputes about them along with inaccuracies on my credit report. I am a victim of identity theft. My information is all over the black web. They know it because it comes up on the identity theft portion of my monitoring. I am very upset i have to keep fighting. They say it correct. Of course it looks correct the black web has all my information, How do I fight this?
Product: Mortgage

SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short Sale package was submitted XXXX/XXXX/16. We called SLS and they told us they would not review for a short sale due to the sale date on XXXX being within 30 days of receipt of the short sale package. The auction was then postponed to XXXX. The rep I spoke to today said they would not review for a short sale due to the package being received within 38 days of the sale date. There are 37 days between XXXX when the package was submitted to the new auction date of XXXX. Yes - it was 30 days at first, then it was changed to 38 days. Coincidence? I think not ... .. 

It is obvious they have been trained to lie and deceive. 

Does the investor even know they received a short sale package? Is this evidence of SLS postponing a foreclosure date simply to defraud the investor out of further servicing fees? 

We have another file with SLS that they are doing the same thing on. It is very apparent this is a pattern of behavior for SLS, and they have no intention of working on any of their short sale files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I leased new XXXX XXXX from local dealer XXXX XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call BMW and tried to dispute this info with credit bureau and BMW still refusing to take it off. I also got a letter from local BMW dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, BMW credit department refused to delete late payment of off my credit.
Product: Debt collection

I keep getting repeated calls from  XXXX . When I tried to return the call, I could not understand the person who answered. I believe these people calling are trying to rip people off.
Product: Debt collection

appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.
Product: Checking or savings account

WELLS FARGO ARE STILL REFUSING TO USE MY XXXX MAILING ADDRESS AS INDICATING ON MY ACCOUNT PREFERENCES , WELLS FARGO ARE INSISTING ON USING MY HOME ADDRESS FOR SENDING MAILS REGARDING MY ACCOUNT. EVEN AFTER MORE THAN 2 YEARS OF COMPLAINTS ABOUT THE SAME ISSUE 
TODAY XXXX AGAIN I RECEIVED A LETTER FROM WELLS FARGO REGARDING MY ACCOUNT TO MY HOME ADDRESS. 
 I FAILED TO  PENETRATE MY ISSUE IN THE BRAINS OF WELLS FARGO EMPLOYEES WHO ARE WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION OR MANAGEMENT THAT I DO NOT WANT ANY MAIL TO MY HOME ADDRESS ALL MAILS SHOULD BE DIRECTED TO MY XXXX XXXX MAILING ADDRESS.
FOR MORE THAN 2 YEARS OF C0MPLAINTS TRYING TO MAKE WELLS FARGO RESPECT MY PRIVACY RIGHTS  BY DIRECTING ALL  WELLS FARGO MAIL ADDRESSED TO ME TO MY MAILING ADDRESS WHICH I PROVIDED ON MY ACCOUNT PREFERENCE BUT TILL TODAY XXXX  WELLS FARGO  FAILED TO  RESPOND TO MY ISSUE PROPERLY , FAILED TO INVESTIGATE MY ISSUE AND FAILED TO OBEY THE LAWS AND REGULATION AND MY PRIVACY RIGHTS.
IF I WAS DEALING WITH MONKEYS IN THIS LAST 2 YEARS BY NOW THE MONKEYS WOULD 'VE KNOW WHAT TO DO, OPPOSITE THAN WELLS FARGO EMPLOYEES. 
I HAVE TO KEEP COMPLAINING EVERYWHERE HOPING  AT THE END WELLS FARGO WOULD ACCEPT TO UISE MY XXXX MAILING ADDRESS FOR ALL THE MAIL AND TO RESPECT MY PRIVACY RIGHTS AND DIRECT THEIR MAIL TO MY MAILING ADDRESS AS INDICATED ON MY ACCOUNT.
THE WELLS FARGO EMPLOYEES WHO ANSWERS HERE SEEMS TO BE UNPROFESSIONALS AND  NOT INTERESTED IN SOLVING MY ISSUE , FOR THAT I HAVE TO KEEP COMPLAINING HERE AND EVERYWHERE TILL WELLS FARGO FOLLOW THE RULES AND REGULATION AND MY ACCOUNT PREFERENCE.
ALL THE ANSWERS FROM WELLS FARGO ARE MISLEADING, THE ANSWERS   ARE SORRY WE CANNOT MAIL TO YOUR XXXX MAILING ADDRESS BECAUSE OF COVID-19 OR BECAUSE OF USA PATRIOT ACT OR BECAUSE OF THE WEATHER OR THEY MISLEAD AND SAY IT HAPPENED ONE TIME ONLY OR ..... 
NOT ONE TIME WELLS FARGO TRIED TO FIND A SOLUTION.
 READ AT XXXX HOW MANY THOUSAND OF CUSTOMERS ARE COMPLAINING ABOUT SIMILAR ISSUE.
I ATTACHED XXXX OF LETTERS THAT WELLS FARGO SENT TO MY HOME ADDRESS FROM THE TIME I COMPLAINT HERE TILL NOW.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in Chicago blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.
Product: Credit card or prepaid card

I did not give permission to charge my corporate credit card while visiting a local business while on work travel My corporate card was charged various times without my knowledge totaling {$1700.00} on XX/XX/2019 I disputed the charges after seeing them appear on my statement. 
Suntrust bank 's lack of communication and misunderstanding of my dispute brought them to refuse my claim. Even though my other banks had no issue with the claim. 
They wouldn't answer my phone calls or call me back, they would tell me one thing and send me an email stating another. Their customer service is absolutely horrendous. 

They basically told me there was nothing they could do for me, and are trying to force me to pay for something I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. 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. I have never been late on payments for the account : XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Product: Credit reporting or other personal consumer reports

Experian just sent me this email again wanting bank statements and other information provided 3 times and I refuse to send this crooked fraudulent company anymore information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Carmax XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave Carmax or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission : XXXX and will address each credit bureau separately. I demand that they work on my file with in 24 hours in  compliance with FCRA. I will fax an affidavit and will list errors.
Product: Debt collection

I got a notice from XXXX XXXX stating I owe a debt. The original creditor was XXXX XXXX. 

I explained to XXXX XXXX on more than occasion that I did n't have a XXXX account and never have I ever had a XXXX account. 

This has been going on for about a year now. I reach out to XXXX XXXX and explain the situation. They did an investigation and found that what I said was the truth. 

They send me there finding from that investigation, and I sent the same letter to XXXX XXXX proving that I had nothing to do with this account, yet they refuse to remove this negative account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, *XXXX XXXX XXXX XXXXXXXX has violated my consumer rights. * XXXX XXXX XXXX  has violated my consumer rights. * XXXX XXXX has violated my consumer rights. * XXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy. 
15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be XXXX XXXX and resolve their reporting Innaccuracies.Thank you
Product: Debt collection

On XX/XX/18 a door to door salespeople came to my door to sell XXXX XXXX XXXX phones and tablets and internet. I took them up on the offer before I realized that my phone number could not be transferred Over to their network. I returned the products within the 30 day time frame and they continued to send me a bill. I use d the return labels issued to me for the products and I have that they received the products from me in an email. I never used the products nor did I use their services as soon as I couldn't use my phone number. All items were returned by XX/XX/18 and I continued to receive bills even after calling them repeatedly to shut the services off and stop sending bills. I called in XXXX, XXXX and XXXX of 2018 where I was left on hold for over an hour before my phone was disconnected from the call. I have mailed the collections agency and informed them of the same and they are refusing to remove the debt.
Product: Credit card or prepaid card

They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt. I have tried disputing numerous times and they keep sending a generic message that says the same thing each time. This is my final time disputing this before taking this to an attorney.
Product: Vehicle loan or lease

I am unemployed for several months now. I have informed the company about my situation monthly. All they are were worry about is when I will make a payment. You are x days past due so when can you make a payment. I just told you I was unemployed and I send what I can. They did not offer no long term solution to help at all. 
I am having a financial hardship at this time but they do not have a program to help out. This is very disturbing to me. 
During the week of XX/XX/XXXX - XXXX, XXXX, the vehicle was repossessed. I was very upset about the situation. I called the lender and ask how much to get my vehicle and they told me {$3100.00}. I could not believe this to accumulate more fees to someone that is unemployed. I have had this loan since XXXX and been paying what is due. You should know something was wrong if the payments were not getting paid in a timely manner.
Product: Credit reporting or other personal consumer reports

Amazon charged an old account for a purchase instead of using my card or bank account. I was unaware I even had a charge on a card until I saw my credit score drop XXXX points. I was able to get the situation handled but this has destroyed my credit.
Product: Credit reporting or other personal consumer reports

Why is Chime staying in my credit report until XX/XX/. This is recidiolus since I closed the account on good terms and did not owe anything or anyone.
Product: Bank account or service

We opened a cd with XXXX XXXX saving in XXXX XXXX XXXX Calif. During the term of the cd Union bank bought XXXX XXXX XXXX . Our 5 yr. cd matured and rolled into a new cd. XX/XX/2016 without receiving any notification from Union. When I discovered the cd rolled over I went to Union to cash it in. It was Monday. XX/XX/2016 I was upset about the penalty and the conversation with the teller was not having a beneficial effect. I ended up yelling and making a scene and abruptly left the bank with out cancelling the cd. Then on the following Wednesday, two days later, Union Bank called and said they were cancelling the cd and another account under my family name. I told them I was ok with them cancelling my cd figuring if they were cancelling it there would not be a cancellation penalty of {$1400.00}. but said I did not want the other account closed. The representative said he would have to ask the office if we could keep the other account open and would call me back. He called right back and said Union was requiring all my accounts be closed. They said they would be overnighting me a cashiers check for the cd. The next day when I looked at the cashiers check they had taken a {$1400.00}. penalty fee and claimed that they were closing the cd by my request. I did not cancel the cd, did not fill out any cancellation paper work and was planning on sitting on the cd till I figured out what I was going to do. Union did not call me on that Wednesday morning because of their desire to provide me with good customer care, not. They called because they wanted to cancel my accounts.