23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Business Acct and Personal Acct were attacked / accessed on XX/XX/XXXX at a Wells Fargo ATM machine while the cards were in my possession locked up at home, I never used an ATM in 20 years with this bank. 

Total funds withdrawn are {$20.00} at XXXX, {$680.00} at XXXX. ( Total XXXX ) According to the Well Fargo service rep, the bank provides this service, that, if you forget or lost your card and need money you can call some Customer Service number and they provide you a temporary PIN to access an ATM to get money. Also found out the bank raised the min withdrawals up to {$710.00}. This occurred 3 times, XXXX, XXXX, XXXX, on XX/XX/XXXX without customer verification, validation. 

I am out {$700.00}, discussed with the bank, and they are not being corporative. In addition, the bank rep stated, that they have had so many of these issues, that they are planning to terminate this failed service on XX/XX/XXXX. 

I reported it to the Sheriffs Department in XXXX FL, and they are looking into it, it is not the first case for them. Case XXXX, Identity Theft, Fraudulent use of Personal Information, XXXX -- -- -- -- -- -- -- -- -- - Beware - Worst Banks To Deal With -- -- ->. XXXX Web inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What are the worst banks to bank with? 
Wells Fargo & Company was ranked as the bank with the worst reputation in America, according to the XXXX ( and XXXX! ) XXXX XXXX XXXX XXXX Rankings. For the second year in a row, the company ranks at number 96 and has a reputation quotient ( RQ ) of XXXX out of a maximum score of 100.XX/XX/XXXXThe four banks with the largest total number of complaints included XXXX XXXX with XXXX complaints followed by Wells Fargo & Company ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are consumer reportingagencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. '' Any and all consent to XXXX, Transunion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to these agencies never informed me of my right to exercise my nondisclosure option. 

15 USC 1681C ( a ) ( 5 ) also states " Except as authorized under subsection ( b ), 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 seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law.

15 U.S.Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S.Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed undersection 1681b of this title.

these consumer reporting agencies are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I have opted out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT BALANCE IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT. I NEVER DONE ANY BUSINESS WITH THIS COMPANY AND ITS FRAUD TO REPORT INACCURATE INFORMATION TO MY CREDIT REPORT. INVESTIGATE AND VERIFY THIS ACCOUNT OWNERSHIP OR DELETE FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRAconsumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems is reporting a debt on my file that I do not owe. I recently took a look at my file and noticed this debt is still reporting. This debt is past the statute of limitations in the state of Utah and past the credit reporting limit. I ask that they please remove the account from my file or I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Product: Checking or savings account

Hello, I was a victim to XXXX fraud and now I am being charged by the vendor ( XXXX XXXX ) for something they have already received via bank transfer from my Wells Fargo checkings account. I disputed the charges with my bank and somehow they weren't able to close the case in my favor. I have verbal confirmation from three different account specialist and upper management that the funds did in fact leave my bank account and were not credited back. I also have the bank statements to confirm this. 

According to XXXX, these transactions were reversed, but that is impossible because I never received the funds back and I have hard proof. I tried reopening the dispute, but Wells Fargo keeps telling me that I can not longer dispute the transactions and I have to handle this outside the bank. I also tried disputing it though XXXX and they have told me repeatedly that I have to come up with the funds one way or another if the bank can not assist. I'm basically left with no other choice than to seek legal action, but I'm hoping you can help me, so I don't have to go through that trouble. XXXX has already liquidated my XXXX holdings without giving me a fair shot to resolve the issue and they don't intend to stop there. The total amount being disputed is {$1200.00}. 

XXXX from XXXX below : On XXXX your Wells Fargo bank reversed a charge of {$210.00} for your attempted deposit on XXXX for {$210.00}. The reference code for this transaction is XXXX. 

On XXXX your Wells Fargo bank reversed a charge of {$1000.00} for your attempted deposit on XXXX for {$1000.00}. The reference code for this transaction is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to dispute these hard inquiries from my TransUnion credit report. I am a victim of identity theft and fraud. These inquiries are not mine. Please remove them from my TransUnion credit report as these are fraudulent inquiries. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
Thank you.
Product: Credit card or prepaid card

On XX/XX/19 I purchased a diamond and tanzanite bracelet in XXXX from XXXX XXXX and financed through Comenity Capital Bank. They held my bracelet at the store while they sized a ring I purchased. I believe they switched bracelets and when I came home from cruise the bracelet in the box was defective. I immediately got in contact with XXXX XXXX and went through process of returning it and waited for a new one. Months went by with many emails from me to them with no resolve. I do not have the bracelet, XXXX  XXXX. has continually lied about the status of the bracelet, and I have all the emails for proof. I filed several claims with Comenity Bank who always says they will research the matter. They have removed the {$3300.00} and then put it back on my card numerous times. XXXX  sent me a voucher for {$3300.00} to purchase something else. This bracelet was chosen as a memory of my cruise to XXXX, I don't want anything else. So I returned the credit voucher to XXXX and made a copy of that voucher which I voided and sent it to Comenity. I have a whole file of correspondence from both Comenity and XXXX. The are still billing me for something I do not have. I want my account credited for the {$3300.00} I paid {$1700.00} for the ring I purchased, and I paid that off through Comenity.
Product: Debt collection

I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 

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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are the results of identity theft and fraud.
Product: Credit card

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX and XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  and XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit reporting agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that was on file for the account listed below. To no avail there was no proof provided, agency told me that the creditor validated the debt with no documents which is a violation of fcra. I have called multiple times and sent letters to be told they can not remove it and only the creditor could. The account is a collection and this account is not the creditor. 

Account in violation : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Equifax is reporting an inaccurate date on the Bankruptcy listed in my credit report. I have disputed the item, XXXX times, on their website. The first dispute is still showing as pending ( over three months ago ) the second and third disputes ignored my requests to provide a copy of the document ( s ) they are using. Instead, they take one day, respond back claiming that it's accurate, without providing proof other than an electronic verification which is what I am disputing and I believe to be inaccurate. 

I was clear in my explanation of this in my disputes. I was also clear in my request for an actual copy as proof and not simply an electronic verification. I believe I have to right to view or receive a copy of what they are using under the Fair Credit Reporting Act and I clearly asked them for this. Once, they never notified me of the results as the dispute is still pending since XXXX. Twice, they took a shortcut, ignored what I was disputing and ignored the request. I have been fighting this since XXXX.
Product: Credit reporting or other personal consumer reports

M & T Bank continues to report my payments as late. My payments are on auto draft and prior to that I made my payments before or on time. Every month they report I am late on payments. During the pandemic I was effected and the bank told me my credit would not be damaged due to being effected by the pandemic. I have asked for them to refrain from reported inaccurate information.
Product: Mortgage

Your office advised on  XXXX / XXXX /   17  that a missing items letter was sent on  XXXX / XXXX / 17 , which that letter has still yet to be received - we were told we had until  XXXX / XXXX /   17  to provide the missing items which were 30 days of consecutive paystubs - we were told today  XXXX / XXXX /   17  that the file is complete and those docs needed were in fact received on  XXXX / XXXX /   17  as stated in the missing items letter - today  XXXX / XXXX / 17  we were advised that the file is complete but the review would not be completed and the sale would not be postponed for the review because it was to close to the sale date of  XXXX / XXXX / 17  - this file is being deemed complete in accordance with your missing items letter, therefore the file 's review should be completed in accordance with RESPA and you r OWN  missing items letter.   Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents w ithin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 (  g ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Planet home lending did the same thing to me as XXXX And XXXX XXXX XXXX  Was or were previously charged. 
I was in the process of putting my home for sale after a divorce, and they proceeded with the foreclosure process. Even though? 
I have let them know that the home post it for sand I still continued with threatening debt collecting actions and penalties. 
That seemed unjust. Such a such as a lawyer fee of around XXXX dollars just to have a letter sent to me. I've already sold the home. XXXX XXXXXXXX XXXX  was the closing date. I've since felt robbed and cheated I found discrepancies in my credit report Such as a foreclosure process has been started, have disputed all these things. And have since got them removed. closing amount, pay off amount, fines and fees are another issue. Planet home landing failed to give me give me options on relief. They only gave me a lone to value evaluation over the phone and basically said there's nothing we can do. Either pay the full amount or it will go into foreclosure. Is there any actions being taken against this company?
Product: Mortgage

Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent a conditional acceptance to American Express ( AMEX ) asking for proof and verification of the alleged credit card debt and alleged personal loan debt. In these documents AMEX tacitly agreed that any negative credit remarks would be removed from credit bureaus.

AMEX failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debts ( both accounts ), and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23.
Product: Money transfer, virtual currency, or money service

I have had many transactional and disputes with my account and also have experienced identity theft from several transactions and have been unable to speak with a customer service agent.
Product: Credit card or prepaid card

On XXXX XXXX, I was coerced into providing the host of an XXXX rental additional payment, despite payment in full already being made. In XXXX 2023, I initiated a dispute for this additional charge since XXXX customer service indicated it would be up to the host to provide a refund, but by this time I had closed my XXXX account. Relying on multiple misrepresentions, Citi denied my chargeback claim. Citi failed to provide notification of dispute outcome, and I found out that merchant responded only after the disputed amount was rebilled, some 30 days after merchant 's response, with multiple misrepresentations, was received by Citi. I immediately filed a rebuttal on XXXX XXXX, but have not received a related dispoition.