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

I am refiling a complaint. My original complaint was closed. 
Reference XXXX I had {$50000.00} dollars stolen from my business account via XXXX wire transfers. Here is a brief summary : XX/XX/XXXX I received a call from XXXX Wells Fargo about " fraudulent '' activity on my account. The person identified them self as XXXX XXXX employee number XXXX. XXXX " scammer '' reviewed about 15 transactions at various locations/vendors in Texas. I confirmed I did not have a transactions matching the described activity. XXXX then confirmed a recent deposit in my personal account shared with my mother. He, XXXX gave an amount and who the deposit was from Social Security. He, XXXX said they had identified the perpetrator as a XXXX XXXX XXXX. He, XXXX asked if I wanted to press charges and I said absolutely yes. He, XXXX said my accounts would be frozen and or closed for pending investigation. 

First wire was sent from my old business account XXXX to XXXX XXXX XXXX in the amount of {$25000.00} Online transfer from my old business account XXXX to my old personal account XXXX in the amount of {$25000.00} Transfer received to my old personal account XXXX in the amount of {$25000.00} XX/XX/XXXX I received another call from XXXX Wells Fargo. The same person identified them self as XXXX XXXX employee number XXXX. He, XXXX said he was calling to give me my new account number. New Account # XXXX. I then said I wanted to call back the number to verify his information. He agreed. I called the same number and reached a Wells Fargo representative who I believe identified herself as XXXX. XXXX asked XXXX for his Soda number (? ) he gave her XXXX. She said she could not verify him. I immediately drove to a Wells Fargo branch to close my accounts and determine what was happening. 

My old personal account XXXX was closed and transfer to my new personal account XXXX XX/XX/XXXX Second wire was sent from my new personal account XXXX to XXXX XXXXXXXX XXXX in the amount of {$25000.00} Wells Fargo has taken the position that the activity was originated from my cell phone which is not accurate. They have not provided and documentation or recordings. There should be a recording on XX/XX/XXXX where I am trying to verify the information. Wells Fargo also allowed the second wire to leave my new personal account XXXX on XX/XX/XXXX after I had notified them and closed the account.
Product: Mortgage

In XX/XX/XXXX, I began to have repeated financial setbacks. At that time my mortgage was serviced under XXXX XXXX. I was making payments but they were not always full payments. In XXXX, I sent two part payments {$500.00} and {$1000.00} to XXXX XXXX. Both were returned. In XXXX, XXXX sold my loan to PennyMac. Payments to PennyMac were to begin XX/XX/XXXX. I set up my online account but was never allowed to make online payments in XXXX. 

Part of my financial struggle in the early part of XXXX was from overdraft bank fees. In XX/XX/XXXX, I started using XXXX ( XXXX ) XXXX as they do not have NSFs. This is an online back and has restrictions on what can be done. One of those restrictions is that there is not a bill pay option. This means I either have to process a payment through the vendor or will be sent from XXXX as a hard check. Since PennyMac would not allow me to make online payments, I had to use the hard check method. 

On XX/XX/XXXX, I contacted PennyMac with a two fold purpose. 1 ) to have my mortgage payment corrected. XXXX was ALWAYS over charging me and it was a fight with them every year to stop over charging me. PennyMac did not calculate my true mortgage but instead is charging me the {$1900.00} that XXXX miscalculated. 2 ) I also asked to have the balance needed to bring my loan current sent to me on the foreclosure prevention paperwork necessary to submit it to my 401K company. 

On XX/XX/XXXX, I did not receive the paperwork from PennyMac, but instead I received notification of the foreclosure process on my home. I immediately called PennyMac. I had the information faxed to me which was dated XX/XX/XXXX with three payment figures listed. One for 24, one for 72 hours and one for 14 days. I sent the paperwork to my 401K company who assured me that the payment amount due was the 1st one listed. So that is the amount that was processed. 

Now for the banking issues. XXXX allows for a max of {$10000.00} in checks per month. And the most that can be sent at one time is {$5000.00}. They do not do bank wires and if I were to transfer the money to another account, that bank was going to hold it for XXXX to 5 business days. I sent 3 payments to PennyMac in XX/XX/XXXX, {$1000.00}, {$5000.00} and {$3400.00} which were my limits per the banks guidelines. I then sent two payments on XX/XX/XXXX as the limits reset for the month. Those were for {$2500.00} and {$4000.00}. 

I also sent and a second request to have my payment re-evaluated. I received notification that my request was received but nothing further. Upon logging into my account today, I noticed that the {$4000.00} check had not been applied to my account however foreclosure fees and a late fee had been. When I contacted my bank, I was informed that the check had been returned. The only good thing that came out of logging into my account was that I could make a payment online. So today I made a payment for {$1900.00} for XXXX and I set up a payment for {$1900.00} plus {$130.00} of the {$330.00} late fee for XXXX to come out next week.
Product: Mortgage

I am writing to file a formal complaint about an issue with my mortgage company that has resulted in incorrect late payments being reported on my credit report. I have been paying my mortgage on time for over with no issues, but recently, due to personal circumstances, I have encountered a situation that I need help resolving. 

In early 2024, I began providing care for my brother after he returned home from XXXX  XXXX  and was injured. Due to the level of care he required, I eventually lost my job, and I began seeking assistance for caring for him. Before his passing, I called my mortgage company to explain my financial hardship and asked for assistance with my mortgage payments. The company took all of my information and assured me that they would send me something in the mail, but I never received any correspondence from them. 

When I followed up, I was given more options by another representative. This person informed me that they would call me on a Monday if they needed more information, and I was under the assumption that I was enrolled in the program they offered to assist with mortgage payments because they never called for more information. This program would have allowed me to roll over the missed payments to the end of the loan and make me current, and it was supposed to prevent any late fees or negative reporting to my credit. 

Unfortunately, the situation became overwhelming, and I ultimately had to sell my home. During the sale process, I was called by the mortgage company and they informed me that the mortgage company had never completed the necessary paperwork for my hardship assistance. They needed to ask me some questions to close the case and cover themselves so they do not get in trouble for leaving the case open. I was confused and frustrated by this, especially since I had been led to believe that the issue was being handled appropriately. 

As a result, I now have three late payments reported on my credit, which is extremely upsetting, as I have never had anything negative on my credit report in over 30 years. I have reached out to the mortgage company to explain the situation, but they have told me that the late payments are accurate and will not be removed. 

I have also written goodwill letters and contacted the companys legal department, but they have refused to assist in removing the late payments. I am requesting that these late payments be removed from my credit report, as they were caused by miscommunication and a failure on the part of the mortgage company to properly process my hardship paperwork. 

I understand that I can only follow the instructions I am given as a customer, but I feel that I have been misled and treated unfairly throughout this process. I would appreciate any assistance you can provide in helping me resolve this issue and have these late payments removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY.. 

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit of ( XXXX ) that i was supposed to get on XX/XX/XXXX  from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  ; Account XXXX, Account XXXX and Account XXXX have violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.
Product: Bank account or service

Myself and a family member opened up a joint checking account with Union Bank of California, now known as MUFG Union Bank, in 2002. The checking account was for the benefit and use of that family member. Subsequent to opening the account, that family member applied for and received a personal line of credit affiliated with the account. That line of credit, while not technically an overdraft account per Federal Law, is an open-end credit account that includes the ability to transfer funds from that account to the checking account and fulfills an overdraft protection function. According to Union Bank, I am listed as a joint account holder of the line of credit account even though I did not consent to that line of credit application. According to Union Bank customer service supervisor XXXX, Union Bank considers me to be jointly and severally responsible for payment on the line of credit account along with that family member just by virtue of me having a joint checking account with that family member. Union Bank refused to provide any substantiation of my responsibility for the balance of this line of credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed this information with Experian prior to repeated phone calls also complain with you # XXXX. Then contacted them again and submitted a identity theft report along with a police report on XX/XX/year> # XXXX. I received a updated reported today and also called them. I am keep being told that those inquiries stem from prior inquiry to me purchasing my vehicle in XX/XX/year>. Which I know was untrue and ask to call XXXX which I did when paying my car note and which I was informed that those companies have no affiliation with them at all. Then XXXX told me to call Experian back and I did but no change. I called Experian today and spoke to the fraud department and was told that the inquiries from XX/XX/year> was a previous inquiry to XXXX which it not true. I never applied for a vehicle in XXXX so how could someone know I was looking for a car. I drove XXXX hours out of state to purchase my vehicle and drove it back to XXXX. It make no sense and those inquiries are months apart. It is Identity theft. Me calling, writing letters to dispute, filing complaints etc. I Submitted a Police report and Identity theft report as needed but they refusal is beyond me and is hurting my credit and/ or to obtain credit. 

Please see new Credit Report I received today. Inaccuracies still remain in the brackets
Product: Debt collection

Dear CFPB Representative, I am writing to formally dispute all collections reported on my credit file by [ Name of Collection Agency ]. Additionally, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requesting the following actions and documentation from the collection agency : 1. Debt Validation : I am requesting full validation of the alleged debt, including a detailed accounting of the amount owed and proof that I am legally responsible for the debt. 2. Purchase Agreement Between the Collection Agency and Original Creditor : I am requesting the purchase agreement or assignment documentation between the collection agency and the original creditor, proving their legal right to collect this debt. 3. Proof of Licensing and Bonding : Please provide evidence that the collection agency is licensed and bonded to collect debts in my state of residence, as required by law. 4. Revocation of Communication Rights : I am revoking the collection agencys right to contact me via phone or text message. All future communication regarding this matter must be conducted through written correspondence only, sent to the mailing address listed above. I expect the CFPB to ensure that this matter is handled with full compliance under the FDCPA and all applicable federal and state laws. If the collection agency can not provide the requested documentation, the debt must be removed from my records and reported accordingly to all credit reporting agencies. Please confirm receipt of this letter and update me regarding any progress or findings related to this dispute. I trust that the CFPB will facilitate a fair and transparent resolution to this matter. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

I filed a dispute on chime on XX/XX/XXXX apparently on XX/XX/XXXX there was a credit of {$120.00} on my chime account no there was not it was never posted it was never refunded I just want my money I have proof that it was never posted or refunded
Product: Credit reporting

I have disputed an account with Equifax that was discharged on my Chapter XXXX. We have completed and received our discharge on XXXX 2015. One of the debts included was our XXXX mortgage from XXXX XXXX XXXX XXXX. It is being reported as a charge off when it should be reported as included in bankruptcy and should show closed. This loan was avoided upon completion of our Chapter XXXX and was not even a charge off prior to us filing Chapter XXXX. I have sent court docs to Equifax and XXXX XXXX XXXX XXXX and the charge off is still showing. Is this not a violation of some kind?
Product: Credit card or prepaid card

I had many fraudulent charged in XXXX and XX/XX/2019. Imagine 55 per day for the same amount of {$96.00} and this went on for days. Their security department didn't pick it up. I reported this in XXXX but every month they continue to post these charges on my account. I have to call them every month to ask what my payment should be. 
On y last statement they charged me interest on the unpaid fraudulent charges. I started trying to call, Fist call on hold for 42 minutes, the disconnected. Startyed sending emails to the fraud department. No response for 6 days. Called agin and disconnected after a 58 minute hold! 
Finally after contacting the parent company I got to talk to a human being but? 
Incredibly horrible customer service. Unbelievable. No one is concerned. How do these people continue in business. 
Costco Citi card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Debt collection

I moved here mold in wall rats the floors filled with water everday from my head to the floor in wall in bedrooms the standard was not meet I was tould to move by state & city requirements an the owner was informed no rent will be paid there where supposed to make repairs they gave them time they housing office showed up to my home once a week an it failed every-time. I put in work tickets had to send that to housing They never wanted to come to fix I was sent to a hotel room in XXXX paid by city after formal meeting for the volitions I was not responsible for it was the owner when city did inspection city of XXXXwith my children This is only only XXXX I call theprocollect the office in XXXX for help they tell me i can only speak to XXXX XXXX he doesnt answer me anymore after talking to him an we went over this well i did he send send my doc i did an he doesn reply he doesn send documents he He said in a message he doesnt even know what im talking bout with the account number as header please help onky on XXXX no other reports accept this in lawfull act
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate ; XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00} - I was never late on this acct. It was paid in full.. Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP. 

Lastly, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.