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

Wells Fargo Bank posted someone else 's check to my business account on XX/XX/XXXX. My business account is for my business called XXXX XXXX XXXX and carries this title on the account, not even close to the check attached which says " XXXX XXXX '' as you will see. 

I reported the bank error to Wells Fargo by phone on XX/XX/XXXX, and spoke with their fraud department. They verbally acknowledged the check did not have my account number, or my name on it, and that it was clearly a bank mistake. The representative even said the account number was close to mine, but not my account number. There was no question, this was a posting error by Wells Fargo Bank which was investigated immediately during my phone call with their fraud department on the XXXX of XX/XX/XXXX and this was reported to me during that call as a confirmed bank error. 

They proceeded to open a claim and push it through their 10 day process and noted the transaction as " don't remember this transaction '' and are holding my money for 10 days while they allegedly research the transaction, citing Regulation E. 

Clearly I don't remember the transaction because it's not my check. 

I believe Regulation E indicates the following : " ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. '' Note : Wells Fargo determined an error occurred when I phoned them on XX/XX/XXXX. 

As of today, XX/XX/XXXX, it has been 5 days since the initial report and completion of investigation that determined it was a bank error. Wells Fargo has failed to reverse their error. 

I phoned the bank and spoke with XXXX who told me she was an accounting major and that they had 10 days per Regulation E to research my claim. 

I feel that Wells Fargo is employing uninformed staff and that they are mis-representing the situation and are holding my money for 10 days when it was clearly their mistake, and they completed their findings during my initial call on XX/XX/XXXX and acknowledged their error to me. 

The check is small, but I fear that this type of mis-handling of my funds at Wells Fargo could easily happen for a larger amount that would impact my working capital for my business as this happened on my business checking account. I have concerns about Wells Fargo 's process that would allow another person 's check to post to my account, and their lack of timely response for resolution.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Eye have had several car loans with Wells Fargo and been charged an astronomical amount of fake fees, and interest. On ALL the car loans eye put a down payments down which is against UCC laws. The most recent loan eye had with them they repossessed illegally through a third party and my apartment manager had no idea they were trespassing because permission was not given. Eye traveled to where eye purchased the car because legal wanted to see the paperwork. The manager XXXX there at XXXX 's XXXX was recorded handing me my paperwork saying that it's A LOT of fees on here that may not you not understand out of his own mouth. Like a {$7500.00} car and was charged {$21.00} XXXX on a loan. Tjen after using their covid option they tacked on a bunch of more fees. Eye am still holding 2 or 3 low amount checks from XXXX with them admitting to me being overcharged however, eye know the few checks theyve sent does not even scratch the surface of what eye have been charged. Eye have other loans with them eye would like remedy for as well. Counsel says eye have been overcharged tremendously! In my state MO it is against the law per UCC laws to do a repossession on private property without the landlord knowing. My car was in total disarray once obtained. XXXX is not being honest or acting of integrity! They aren't taking responsibility for all the turmoil they have bestowed upon me. This loan is currently reporting to the bureau incorrectly. Eye will try this last attempt to get this corrected with XXXX and then will proceed with claims for Defamation Of Character.
Product: Checking or savings account

Wells Fargo closed my account stating that I was a security threat like I'm some XXXX without explaining how or giving me good reason. My information was stolen and I put in a fraud claim with them after my account had been used without my authorization next thing I know adverse action was taken against me and my account was closed without my consent.
Product: Credit reporting or other personal consumer reports

Subject : URGENT CFPB COMPLAINT TransUnion Reporting Fraudulent Account Information in Violation of FCRA To Whom It May Concern, I am filing a formal complaint against TransUnion for its deliberate and reckless violation of the Fair Credit Reporting Act ( FCRA ) by reporting wildly inaccurate account information that is causing undue harm to my credit profile. 
False Reporting & FCRA Violations TransUnion is knowingly misreporting an account from XXXX XXXX, falsely marking it as closed as of XX/XX/XXXX, when in reality, this account was closed in XXXX. This is a blatant attempt to re-age the account and extend its negative impact on my credit file, which is illegal under the FCRA. 

====This constitutes multiple violations of federal law, including but not limited to : ==== ****Failure to Report Accurate Information ( 1681e ( b ) ) TransUnion is legally obligated to ensure the maximum possible accuracy of consumer credit reports. Reporting a completely false closed date is a direct violation. **** ****Illegal Re-Aging of a Debt ( 1681c ) Extending the accounts closure date from XXXX to XXXX fraudulently prolongs its negative effect, which is strictly prohibited. **** ****Failure to Properly Investigate Disputes ( 1681i ( a ) ) I have disputed this inaccurate and misleading information, yet TransUnion has failed to correct or remove it, further violating consumer rights. **** ====Ongoing Harm & Demand for Immediate Deletion==== **This continuous and intentional false reporting is severely damaging my credit profile, misrepresenting my creditworthiness, and violating my rights under federal law.

**I demand the immediate deletion of this fraudulent account from my credit report due to continuous FCRA noncompliance.

**Additionally, I request : A full investigation into TransUnions failure to correct this blatant inaccuracy. Written confirmation that the account has been permanently removed from my credit file.

**Compensation for any harm caused by this reckless reporting if the issue is not promptly resolved.

**I expect a prompt resolution to this matter and a written response detailing the corrective actions taken.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a CFPB intake agent this morning. I think her name was XXXX. My call was dropped so I don't know whether she has submitted any type of report already. 

I think it was XX/XX/XXXX or XX/XX/XXXX that I called XXXX because my insurance reates had gone fro $ XXXX  monthly to more than $ XXXX   monthly in the past year or so. I was told that they were just normal rate increases. I called XXXX to get a quote and the rates were much lower. I told them I would switch and they had me hold on while they ran a report. I later learned this was a C.L.U.E . report provided by Lexis Nexis. There was an accident report that belonged to someone else named XXXX XXXX along with another incident that was a hit and run for a rental car that was mine but no claim was filed. 

I declined the much higher rate because of the report and was told I would receive a report shortly. I received the report dated XX/XX/2019. 
The report contained an accident from a XXXX XXXX whose address is XXXX XXXX, with a different insurance company. Not my accident! 

I received a credit report from Lexis Nexis dated XX/XX/2019. This report included 43 additional mistakes on my credit report including the wrong SSAN ( they even provided me with another XXXX XXXX ' SSAN ), wrong addresses, phone numbers, insurance companies, Assessor Records, deed records, marketing records, email addresses and business association records. 

The amount of mistakes is staggering. These are well beyond data entry mistakes. Why are they sending me the SSAN belonging to the other XXXX XXXX? And what about my personal information that is probably on his or someone else 's report? Not only and I am paying higher insurance rates because of this company 's errors but there is apparently no concern for the handling and care of my very personal information or others indicated on my report. There must be thousands of people named XXXX XXXX. So data entries should be made by unique identifiers such as SSAN 's. This is obviously not happening at Lexis Nexis. So I am additionally concerned as to where else my information might be located and there is no way of knowing.
Product: Debt collection

I made contact through written communication with the collection agency ( Resurgent capital services ) a subsidiary of LVNV Inc. for an alleged debt validation request. My first attempt was on XX/XX/XXXX and sent via postal mail. and receive a response written response to my request attached was a bill with my name association, I did not receive the proper documentation requested in my letter for validation under the FDCPA such as ie : Proof of ownership, proof that the acct was sold or assigned to LVNV, Detailed acct statements that details the acct history and amount. and any original signed agreement or contract I continued to request such documentation and continued to receive documentation that has not meet the legal standard required to prove their claim. 
In addition, LVNV Inc. has place two additional acct. on my credit profile without proper notification that may have violated my consumer rights by '' debt parking '' tactics. ( FTC vs. XXXX XXXX XXXX makes clear that Debt Parking without proper notification is a violation ) XXXX  has Three unvalidated collection accts entered on : XX/XX/XXXX for {$2400.00} no notification XX/XX/XXXX for {$1700.00} no notification XX/XX/XXXX for {$1900.00} disputed account
Product: Mortgage

Our XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ, XXXX. We received initial notice from them in the form of marketing materials in XX/XX/XXXX, saying they had bought our loan and more information was to follow. They never followed through with any further information. We received a letter from our old servicing company, XXXX, dated XX/XX/XXXX, advising us that XXXX XXXX XXXX was our new servicer after XX/XX/XXXX. That letter included the new XXXX XXXX XXXX loan # XXXX. XXXX XXXX XXXX has never sent us a welcome package, any kind of statement, nor instructions as to where payments are to be made. I called their customer service and they don't have any information about the loan number and wouldn't talk to me. We registered on their website and the loan number cross references to our address, but there is no loan information. The next payment is due on XX/XX/XXXX and XXXX XXXX XXXX has not provided us with a statement, payment booklet, account information, or any useful information to assist us in making our payment on time. We find this to be quite absurd given the fact that they have been sending us marketing materials and calling us with marketing offers since XX/XX/XXXX. The last payment that XXXX will accept was made on XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX I commenced a pre-qualification process with synergy one Lending ( XXXX XXXX ) because I was advised that I needed to cross qualify with the home builders preferred lender. Though I previously secured a lender, the builder offered a monetary incentive of $ XXXX to use their lender. On XX/XX/XXXX I received a loan estimate worksheet stating $ XXXX to close. On XX/XX/XXXX I received a loan estimate reflecting $ XXXX to close. I declined the offer as it was not competitive. On XX/XX/XXXX I advised that I was not interested in using synergys services. XXXX XXXX ( Sales Manager ) emailed me on XX/XX/XXXX asking me to provide her with the estimate from my lender and that she would work out the lender costs so that I could retain the $ XXXX builder credit. Subsequent emails ( available for review ) from XXXX XXXX ( Loan Officer ) and XXXX XXXX ( Loan Officer Assistant ) offered $ XXXX in builder credit and $ XXXX in lender credit. I agreed to these terms and the Los estimate reflected these terms. However, at the time that I prepared to move forward with Synergys Loan, I was told that the credits offered were applied in error and that a new loan estimate  would be sent to me. At this point I received my 3rd loan estimate which reflected only a $ XXXX builder credit, the lender credit was removed. I contacted the VP of Sales for the builder ( XXXX XXXX ) by the name of XXXX to file a complaint. I was advised that I would receive her loan estimate ( 4th estimate ) with the correct amounts. On Saturday I bet with XXXX to provide him with requested documents to process the loan af which time I was advised that I would receive a new estimate which would supersede all previous estimates. Upon receiving the estimate, the cash to closed increased by $ XXXX and the $ XXXX credit was removed and no lender credits remained. This bait and switch tactic was predatory and I advised XXXX XXXX that I was aware of what was transpiring. After I sent emails showing proof of the offers both to XXXX and XXXX, XXXX failed to respond and XXXX provided no explanation as to why these offers were made to me or why they were offered dishonestly and in bad faith. Quite frankly this process attempted to distract me as the consumer from the games with the loan being offered. Another issue is that, synergy proceeded with underwriting my file and processing although I never agreed to process my loan with synergy. I was simply trying to obtain the pricing info. Synergy proceeded with processing the loan with my authorization. I am within one week of closing on my home and had I stopped the process with my current lender I would have been forced to work with Synergy just so that I wouldnt incur charges for dejayung close if sale. There are several online reviews to this effect for XXXX XXXX and the predatory practices that plague consumer experiences with their company. I am requesting a follow up call to investigate this matter.
Product: Debt collection

A company named XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX had erroneously invoiced medically related charges from dates in which they can not substantiate on a date of XXXX This medical conglomerate keeps attempting to sell a fraudulent collection account in which RMP services/XXXX XXXX XXXX XXXX XXXX ( XXXX ) has dismissed in its entirety on XX/XX/XXXX. The legal matter was escalated to the state government and the parent company XXXX. XXXX XXXX has now once again placed my good credit in question by placing unsubstantiated medical debt in collections which they have reported as opened on XX/XX/XXXX. I had never received any letter of demand or invoicing from RMP after they wrote to me that they were going to request tradeline deletion of any derogatory credit reporting for the collection matters. I am currently unemployed and a veteran of the armed forces. I have opened disputes with the credit reporting bureaus and I am happy to report that XXXX has already removed this fraudulent collection attempt. Please write to RMP and reference their letter to me and ask them why they still reported the collection account. Please also ask them to substantiate the medical debt by sending proof of a valid contract or consent for treatment with XXXX or XXXX XXXX from the alleged date of service XX/XX/XXXX or XX/XX/XXXX.
Product: Student loan

I worked with Navient to reduce my student loan payments on an income based plan. I got a letter stating that my payments would be {$0.00} per month ... but I am still being charged a {$180.00} per month fee, stated as a " Life of loan '' fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, Equifax, and XXXX  and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report
Product: Credit card or prepaid card

HSBC charged an illegitimate late fee to my credit card account. Although I did NOT opt in to paperless statements, HSBC stopped mailing me paper statements. I had not used this card in a while. A merchant made a charge to this card because I had it stored in my account with that merchant. To date, HSBC has not sent me a statement reflecting the charge. I discovered the charge when I looked for it on a different credit card that I thought I had given the merchant. When I could not find the charge on the correct card, I called the merchant and learned my HSBC card had been charged. I don't even have the card in my possession anymore. So I looked all over for my HSBC online log-in details, and even had to log in to an old computer to find it. Once logged-in, I found not only the charge to my HSBC credit card, but also a late fee. I have no printer, and need a paper copy of the bill for my records. I contacted HSBC to ensure I would receive all future billing statements by mail, and asked HSBC to mail me a copy of the one I still did not have. HSBC threatened to charge me {$5.00} for every mailed statement. I refused to pay for what I should already be receiving. I paid the merchant 's charge, which brought my legitimate account balance to zero. Now HSBC is harassing me with at least 10 collection calls per day for the illegitimate late fee, which HSBC deliberately set me up to incur by refusing to mail me billing statements.
Product: Mortgage

*Since XXXX, I am still " fighting '' with Nationstar regarding this mortgage ; they will not comply to the financial security standards as binding by Frank & Dodd Law . After fighting with them for two years when I overcame an illegal foreclosure in XXXX XXXX for filing a CFPB claim ; forging modifications documents ; I ward off another illegal modification and became current, and STILL NATIONSTAR IS CLAIMING MORTGAGE IN THE REAR! 

I had to pay {$6200.00} by XXXX/XXXX/XXXX to be reinstated ; it will not include the XXXX mortgage. An electronic transfer was submitted in the amount of {$6000.00} with a promise for the balance of the {$250.00} to be paid within 90-days. I have attached the payments for XXXX, XXXX, XXXX, XXXX, and XXXX. I have also attached Nationstar website claiming I owe them for XXXX. 

I have forwarded through their webpage multiple inquiries ... .with no response other than to call them. I want a written response no verbal. 

I have forwarded a separate electronic email transmission via worksite with receipt confirmation ... ..still no response other than to call them. I want a written response, no verbal. 

I have submitted a copy of the bank check for XXXX XXXX, and the XXXX other electronic payment processing documents for their validation, but they have not reconcile with the reinstatement documents with the amount {$5100.00}, which would leave my account current up to XXXX XXXX. 


These are harassment tactics that consumer should not have to endure because Nationstar bought her contract ... ..I DID NOT SEEK OUT NATIONSTAR. I DID NOT CHOOSE THEM AS MY LENDER. THEY WERE FORCED ON ME. Now, that the property is still underwater I can not refinance this property, but I will when the opportunity arise! Until that time, GOVERNMENT REGULATOR GET THIS DOGS OFF ME.