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

In  XXXX  I opened a bank account with Bank of America. I was looking for a loan with an internet company that said they could approve me with a loan but they needed to verify my bank and account info. They tried to make a deposit in my account but it was something fraudulent with my name on it. Bank of America closed my account and wo n't let me open another and I ca n't open one with anyone else either. I did n't do anything wrong other than try to get a loan. I contacted the company and they said that it was n't them who I was talking to and dealing with. They said that sometimes internet companies will use other companies names to give out money but there most of the time fraudulent and not the company they say they are. At this point I did n't know what else to do I did call the actual company to complain but because it was n't that company technically they could n't do anything. I also tried to explain to Bank of America that I was unaware of what happened and that I did n't do anything fraudulent but they still close the account and refused to let me open up a new  one  and now because of this I 'm flagged in some sort of banking system and I can open a bank at any Bank and this is so frustrating I need some help please.
Product: Credit card or prepaid card

I have 1 negative accounts reporting with Kohls Capital One. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Product: Credit reporting or other personal consumer reports

Wells Fargo Bank reporting negative reporting on my credit reports despite DC police report,XXXX. XXXX XXXX report that shows fraudently charges.
Product: Mortgage

Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS. I WANT THESE TO BE TAKEN OF FROM MY REPORT IMMEDIATELY.
Product: Credit reporting

ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX Code XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Product: Credit card

On my credit report there is an account ( Target ) that is not my mine. It belongs to a my x-wife not me. I have been divorced from her for six years. When we separated and she moved to XXXX. put in for a card under her name. I have never had such a card. I ask her four years ago to payoff that card or transfer the balance to other cards, she has not. The company says its in a joint card. The only card she got was in her name only. I need some XXXX to correct the mistake and put the card under her credit report and take it off mine. When I got the Devoice, I paid off the cards the judge requested and that she was to pay off. Please correct this injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

XXXX Quick Pay at CHASE has a very specific definitions of fraud : if you didnt authorize the financial transaction, it is fraud. If you authorized it, even if you got ripped off, it isnt fraud. Federal regulations require banks to fully reimburse any customer whose money is fraudulently stolen from an account. 
XX/XX/2019 I was taken by ambulance to XXXX XXXX Hospital in XXXX XXXX, California for emergency XXXX XXXX. On XX/XX/2019, while XXXX XXXX in the hospital, Ir was the victim of bank fraud via XXXX. {$740.00} was sent to a XXXX XXXX. I have never heard of XXXX XXXX and did not authorize these payments. Despite providing Chase with proof of hospitalization, the damage to my cellphone making use of that device by anyone impossible -verified by XXXX- Chase representatives acknowledging that had no knowledge of the transactions, did not authorize the transactions, nor was my cellphone used to make the transactions, Chase has refused to refund the money stolen from my account. 
" In cases where a consumers bank account or debit card have been compromised, and unauthorized XXXX payments made, consumers have rights under the Electronic Funds Transfer Act. '' -- As defined by XXXX, fraud is unwarranted transactions There is no question that the transactions to XXXX XXXX were NOT authorized. That is the sole criteria -- were the transactions authorized? NO, they were not authorized The fact that Chase can't figure out how the unauthorized transactions took place does not negate the essential point that these transactions were unauthorized. If law enforcement cant figure out how a sophisticated crime was committed, that doesnt mean no crime took place. Robbery, be it with a gun, a fountain pen or unauthorized access to a bank account, is still robbery. There was a known data breach prior to this incident in which my passwords were potentially compromised. I only became aware of this recently. Chase probably knew all along. 
Individual Chase employees have advocated for their institution to refund my money, but Chase says even though I didnt authorize the transaction, nor knew anything about them, they still refuse to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call transunionabout multiple inquiry, coaf  XX/XX/XXXX ,.   XX/XX/XXXX , XX/XX/XXXX     XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX .  XXXX / XXXX   XX/XX/XXXX .  XXXX  set  XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX       XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX  only supposed to be one not 3 times.    XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX / mail  XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX only supposed to be  one not two times    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .
Product: Debt collection

Recorded message> Hello this is " Haris & Haris Ltd, Phone # XXXX, Says that the company is a Debt collector. Gives times to Call! I am not in Debt and never have been! May be tryiong to reach another person with a similar name! I an not here for their information ABOUT SOMEONE ELSE I HAVE RECEIVED 4 CALL IN ONE MONTH!!! Thank You!!! 

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

I have a Fraudulent Account on my credit reports for XXXX, Equifax, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : Medical Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$410.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$1800.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$900.00} Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Cash app close my account and when I have tried contacting them about getting back into my account, they keep saying theyre gon na have to issue my account to a higher manager, but the manager never gets back to me. Nothing ever gets fixed and the process happens over and over again with no outcome
Product: Mortgage

XX/XX/XXXX I received an email stating that my loan had to be seasoned for 2 years to request PMI removal or pay {$86000.00} to remove the PMI. XX/XX/XXXX I received an email stating that I could proceed with PMI removal based on current property value & I had to pay for an appraisal or bpo. I paid for the appraisal & on XX/XX/XXXX I received an email stating that my appraisal left me with an LTV of 79.90 % but I didn't qualify now because my loan is between 2 to 5 years and the LTV needs to be 75 % but I can appeal the appraisal or pay {$23000.00} to remove the PMI. I appealed the appraisal & on XX/XX/XXXX my LTV was changed to 75.80 %. I have jumped through hoops to have the PMI removed and the LTV is being configured on a silent second due to a COVID 19 payment deferral that I had to have because I had lost income in my household, but I have since resumed making regular mortgage payments. I'm requesting to have the PMI removed from my loan based on the fact that my loan amount is {$420000.00}.
Product: Mortgage

XXXX XXXX? XXXX from the Wells Fargo Executive Office on a recorded line called me and refused to allow me to record the call also.
I am trying to work through a loan modification with them.
So, they can record calls and when I ask to be able to do the same, they refuse.
I need to record the calls to document for accuracy and legal reasons just as they probably due too.
What do we do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX AND XXXX XXXX XXXX I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of  violation of {$1000.00} per each and litigation.
Product: Credit card

I applied for a charge card and was turned down in the bank 's letter tome dated XXXX/XXXX/15. The letter invited me to call XXXX withquestions but even though the personal at that number worked for thebank 's credit card operations they purported to have no way for meor even them to contact the banks credit card decision personal. 
The letter from the bank also invited me to appeal thedecision in writing which I promptly mailed XXXX/XXXX/15. 
Many attempts to obtain a written response tomy Appeal Credit Decision letter since have beenunsuccessful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Debt collection

Construction Credit & Finance Group LLC contacted me via phone and left a message attempting to collect an alleged debt.

Construction Credit & Finance Group LLC as of today 's date is not licensed to collect debt in the state of Washington.

I called the Washington Department of licensing and verified this and verified via web search.

Washington law requires debt collectors to get a license from the Washington State Department of Licensing ( DOL ) and post a bond before attempting to collect debts. They must renew their licenses yearly. Out-of-state debt collectors also have to get a license before attempting to collect from Washington residents. ( Wash. Rev. Code 19.16.110 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : equifax : XXXX XXXX XXXX rpts ar XXXX XXXX XXXX eqifax XXXX XXXXs 5 times XXXX XXXX XXXX twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted my complaint or dispute to TransUnion and XXXX last XX/XX/2024 about these accounts that reported negative/late. These accounts are paid in full and was never late. It should be deleted from my credit report immediately. This XXXX  and XXXX are reporting 100 % incorrect on TRANSUNION and XXXX. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also shows multiple accounts on the report with the same account number. The currently reported XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address have 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 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 of 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized XXXX Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.
Product: Checking or savings account

The Wells Fargo website offers services that Wells Fargo has no intention of providing to its customers. 

I have had a Wells Fargo checking account for over twenty years. On XX/XX/2023 I used Wells Fargo online banking to make many attempts at opening a savings account. I tried to do this with both XXXX and XXXX. Regrettably, none of my attempts were successful. 

When I telephoned Wells Fargo about this bug, several Wells Fargo reps stated that Wells Fargo is unable to troubleshoot its website. After several telephone calls to Wells Fargo, my issue was finally escalated to the Executive Office on XX/XX/XXXX. 

As of XX/XX/XXXX, my case has not been assigned to a Case Specialist. Wells Fargo has stated that I will have to wait until XX/XX/XXXX before further action is taken on my case. This is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within XXXX business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to XXXX, TransUnion and XXXX previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of XXXX, TransUnion and XXXX investigations, XXXX, TransUnion and XXXX stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, XXXX, TransUnion and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, TransUnion and XXXX are required to ... promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

SOUTHWEST CREDIT SYSTE This company is reporting information on my credit thats not mines. 

This has been the XXXX time they do this. 
I will be looking into hiring an attorney for a XXXX  law sue.