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

XX/XX/year> I was woken up by an incoming text message from Wells Fargo bank, asking if I had just attempted a {$3500.00} XXXX transfer. I replied NO. I then receive the second text message from Wells Fargo stating that a representative would be contacting me shortly. 
The man called a couple of minutes later and stated he was a representative of the bank and that he was going to assist me in getting my money back. 
After a two hour long phone call the call was disconnected and then I called the same phone number back that had called me and spoke to another representative who said that they had no notes or record of a representative calling me or that any text messages were sent out. 
I then spent several more hours filing multiple fraud claims. 
They had taken out {$7900.00} from both my checking and savings accounts. This apparently was done through numerous transactions in XXXX XXXX, XXXX, XXXX XXXX and internal transfers. The representative told me that someone had gained access to my online banking credentials. I live with my XXXX children and I am in a higher position at an insurance company. I sat there looking at my debit card being told that everything was shut down and I now have no access to ANY money for the next XXXX business days while they work their investigation. 
Today is day XXXX without any money and no one has even called me to ask me questions. I then call in to check the status of my claims as the previous rep had suggested that I do, telling me that they would be able to provide me with a provisional credit while I wait. I called today to be told that my claims were denied and then they hung up on me. 
I drove to my local branch only to be told that they could do no more than I already had which was filing a claim. 
I am sickened, I have been vomiting, severe headaches and anxiety. I am a single mother and that was literally my entire lifes savings. On top of this I recently found out that my XXXX has returned. I have no family and no help. 
Ive been banking with XXXX for over 10 years now and this is the XXXX time Ive had fraudsters hack my account ( only checking previously ), this one is by far the worst. 
Can they truly just steal $ XXXX from someone and thats it? I am devastated and dont feel as though I can believe or trust anyone anymore and I am traumatized by this entire event. I feel helpless and duped. This was an institution that I trusted to place my entire life savings so that it would be safe. I have been saving up for a down payment on my first home. Thats not going to ever happen now. I am sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CLS - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX - Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX It's been more than 30 days for the investigation!!!! 
RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX failed to Provide me with evidence that I gave them written instructions to create a credit profile on my behalf. which by law they would have needed to furnish a report on, a fraudulent consumer report has been created using my personal information. 
Proof of XXXX violation of 15 U.S. Code 1681b ( a ) ( 2 ), which is considered aggravated identity theft under 18 U.S Attached to this default notice, legal notice and demand are original creditor 's personal identifiers Also Attached are certified copies of XXXX filing as evidence. All debt obligations of the XXXX, XXXX XXXX, are owned by XXXX XXXX XXXX is acting as XXXX for XXXX XXXX NOTICE OF XXXX26 U.S. Code 6903 - Notice of fiduciary relationship ( a ) Rights and obligations of fiduciary Upon notice to the Secretary that any person is acting for Another person in a fiduciary capacity, such fiduciary shall assume the powers, rights, duties, and privileges of such other person in respect of a tax imposed by this title ( except as otherwise specifically provided and except that the tax shall be collected from the estate of such other person ), until notice is given that the fiduciary capacity has terminated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal secured credit line at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX. There is also a fraudulent collection account, XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a new complaint. You sent an email saying log in to send feedback, and when we logged in, it sent us here, so this is our " feedback. '' For the record, we are not satisfied with the responses of XXXX XXXX Equifax. XXXX XXXX, the third party involved, did reach out to offer another card ( which we are not interested in, at the rates we are now eligible for ), and we have no further problem with them.

What was done to us was explained in detail previously, but the summary is : Our credit scores were approx. XXXX and XXXX the XXXX of XXXX. The end of XXXX, they were approx. XXXX and XXXX, where they remain today. As a result, we are paying a much higher interest rate than any we've ever paid before -- when we can even get approved for credit. 

We received no real explanation as to how/why both credit scores went down so drastically in about three weeks. We spent the past 10-12 years building credit following a bankruptcy, without one late payment. We have rec 'd many good credit offers at excellent rates because of the hard work we put in, but that's over now.

Both our scores were on the line between " great and excellent. '' They are now " fair. '' We did not do anything in XXXX of XXXX  to make them drop like that. There is no real explanation ; the reporting agencies just answered with things like " credit ratings fluctuate. '' That is no explanation for the unbelievable drops of 70- 80 points in less than a month.

We do not know everything that was wrong on the reports ; we did note that one thing was " earliest credit too recent '' which was ridiculous -- - our " earliest credit '' after the bankruptcy was 10-12 years ago, and it had not been listed the month before. That alone wouldn't drop our scores so drastically, but we can't afford forensic accountants or attorneys to see what else was suddenly " discovered '' in XXXX to destroy our credit like that. 

All we know is, it will take years to build our credit back to where it was the first of this year. The whole thing is unbelievably unjust -- we have owned three houses with never a late payment, had the usual credit cards with never a late payment, were able to consolidate, pay off, and close accts because we were offered low interest rates on consolidation loans.. People with our credit history should be XXXX or so -- - which we were the first of XXXX -- and were not, as the month drew to a close. 

There is no rational explanation and it appears there is no way to fix it now. You were our last hope. If we were wealthy, we would have attorneys and forensic accountants taking care of it. We do not, so we will be hit with high interest rates for the next several years while we build our credit back up.

We do not deserve this. Nobody deserves this.There are no words to describe the anger and frustration we feel.

Maybe we can get a journalist interested.It 's a real human interest story when a couple wakes up and finds their credit destroyed overnight. If your agency has the power to do anything else, let us know. Thank you.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, XXXX changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through Equifax twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.
Product: Debt collection

On XX/XX/23, received response from XXXX XXXX XXXX of an alleged debt. The lease attached is a lease from XXXX. Trying to be used as evidence. Unable to furnish actual proof. Please remove.
Product: Mortgage

My name is XXXX XXXX and I purchased a home in XXXX and was given a ARM mortgage with the XXXX when I complained about the Arm and requested a modification in XXXX the XXXX transferred my Mortgage to XXXX and I tried to contact XXXX but did not receive any response and the mortgage was transferred to a number of mortgage servicers when XXXX the mortgage was transferred to XXXX servicer and XXXX the mortgage was transferred to Ocwen Loan servicing Inc. I never knew who had my mortgage and no one communicated with me in reference to my mortgage and XXXX XXXX I received a letter from an Attorney XXXX stating that he represented Ocwen and that he had published in the local news paper notice of foreclosure I had not received any communication from Ocwen whatsoever the only communication from Ocwen was from this attorney XXXX i filed a cease and desist later in may and demanded any and all paperwork from Ocwen and any other group or company they sent some paperwork along with another letter informing me that they were still going forward with the foreclosure process and because I had no communication with Ocwen and because Ocwen did not contact me with any options and i believe that my loan was robo signed, and I was a victim of predatory lending practicing and denied any form of communication with any options failure to give proper notice and because Ocwen acted in bad faith violated the Fair Debt Collection Act and the Consent Decree in which they entered into with this very Agency for alleged misconduct in XXXX XXXX, XXXX filed a pro se complaint in XXXX XXXX XXXX XXXX XXXX asserting the fore mentioned violations bearing cause Number XXXX my email address is XXXXXXXXXXXX phone number XXXX,
Product: Checking or savings account

Dear CFPB, Wells Fargo closed a {$300.00} dollar account for no apparent reason. I have received about 10 letters every month stating they will be in touch within 10 Days with no resolution or respo

nse via phone. I have mailed letters to WF to address this concern. This is the 2nd or 3rd tim
e I have reported this issue to CFPB with no response from you. 

I am appalled to say the least! I need to understand why Wells Fargo Bank is " managing their risk with my name '' Why are they " associating '' any risk with my account! 

I spoke to XXXX at the Executive Offices today to learn they are not able to " escalate this '' any further but provided no explanation as to why. She stated WF had to " manage their risk '' and " associated '' this {$300.00} dollar account with XXXX XXXX XXXX in XXXX, CA as a RISK! 

I am asking CFPB to address this. I will not stop seeking for support until there a better understanding of the issue, period. 

XXXX XXXX XXXX XXXX " XXXX '' XXXX XXXX
Product: Debt collection

Getting frequent texts from an alleged debt collector called Sunrise. Have blocked their number but they are texting me from multiple numbers to get around the block. They do not provide any information about the amount of debt, who the debt is for, or how I can dispute this claim. Just daily harassment.
Product: Mortgage

Ive submitted an appeal over a month ago and still havent heard back from Amerihome.

Its been over 6 months and Amerihome is still giving me the run around without justification for their denial. The only feedback they give is to let my mortgage be behind/ late 3-6 months before they will consider offering a flex loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold an item on XXXX and on XX/XX/XXXX the payment was sent via Paypal. The item was photographed and sent on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX and signed for at the home. Then on XX/XX/XXXX the buyer said that " Bought this item as a gift. Finally giving it as a gift it was just removed from packaging and the connector beads fall apart separating the pendant from the necklace. '' WHICH WAS A LIE, BUT FORTUNATELY I'd taken a shipment photo and the case was closed by XXXX in my favor! NOW another 45 days have past and I get an email from Paypal ABOUT THE SAME TRANSACTION, but a different lie! This time it's the " pendant '' that is loose and falling off! MY PROBLEM WITH THIS IS THAT Paypal is pushed by XXXX for " ease '' of transactions and the Paypal Seller Protection covered " delivery of item '' and XXXX who offers " buyer protection '' takes care of " not as described '' item which I'd already endured. NOW Paypal is holding funds and requested THE SAME INFORMATION THAT HAS ALREADY BEEN INVESTIGATED BY XXXX! It doesn't matter if they are no longer co-companies or subsidiaries duplicate investigation should allow them to have a common site for transaction evidence so that money isn't held twice whilst some OBVIOUSLY LYING buyer plays games! There is a " duplication of services '' that is in conflict and XXXX and Paypal need to develop a common ground for their transactions to prevent SELLER ABUSE! I'm not sure if the buyer took the necklace apart to steal the gold beads or what. I do know that it was as shown and pictures were submitted to show that fact! In my Auction is was stated that the item was SOLD AS IS and not returnable. This morning I woke up and Paypal has told the buyer that they could sent the item back which is broken and that they can get a refund. The buyer requested all sorts of additional shipping ( insurance and signature ) as well. According to the " seller protection '' agreement that is attached I as the seller was protected so long as the " payment was authorized '' and " the item was sent '' which it was. My item was EXACTLY AS SHOWN AND DESCRIBED AND I SUBMITTED PICTURES TO XXXX PRIOR TO SHIPMENT. This was a final sale and the item is not mine, but this my claim since I listed, photographed and shipped it! I have attached pictures, showed where XXXX decided in my favor and the policies which say that Paypal has erroneously authorized a return. The contract is SOLD AS IS and this double jeopardy is not acceptable. The necklace had 14k beads and they purchaser could have broken the necklace to take them off or done any number of things to cause the breakage which are not the fault of the seller!
Product: Credit card

I got email stating there is a problem with my account, and it is closed until I fix it. It comes from a bank but not the banks email. Bank is Chase, email is XXXX.
Product: Debt collection

Company bought my debt from a payday loan company when I didnt even know I still owed on the original debt. The original debt is not listed on my credit report but I didnt find out about this debt till it showed up on my credit report, I got in contact with them and tried to argue that I didnt owe it but they made threats against my assets if I didnt at least set up a payment plan. The debt theyre asking for is far more than I could have possibly owed, and I had no chance to dispute it before it showed up on my credit report. This caused me to loose out on a mortgage I have been working towards over 12 years.
Product: Mortgage

Bank of America - I have left strict instructions that I should not be called on my cell phone during business hours with BofA many times. I was involved with the Country Wide Bank of America scandal back in 2008 and have a long history with BofA. Currently, I am current on my mortgage. I have been getting collection calls from BofA that are threating in nature and very rude. They were threatening foreclosure when my mortgage is not even 15 days late yet. I do n't even have a late fee at this point. I have been over 15 days but under 30 days late in the past. I have been late 1 time over 30 days in the past 12 months. To get a threatening call ( i have the voicemail ) about my account at this point is harassment. They are calling my cell phone during business hours to leave these messages. Can you help stop these harassing calls? Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft. As a result of this theft, there are several unauthorized inquiries on my credit report that I did not initiate or authorize. I would like to explain the situation and request your assistance in addressing these fraudulent inquiries. 

The unauthorized inquiries appear to have been made as a result of someone using my personal information without my consent. 

3. I have submitted a report to the Federal Trade Commission ( FTC ) through the IdentityTheft.gov website, which provides additional documentation of the theft. 


I would like to request that you review the unauthorized inquiries on my credit report and take appropriate action to remove any fraudulent inquiries related to this identity theft. These inquiries were not made by me, and I did not authorize any of the accounts or credit checks associated with them. 
this includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM/TDBANK XXXX XX/XX/XXXX Please let me know if you require any additional information or documentation to process my request. I appreciate your prompt attention to this matter and your help in resolving this issue. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my partner made a Deposit of {$1000.00} inside XXXX XXXX, PA XXXX of Citizens Bank. At the end of the month i noticed i have {$1000.00} short in balance since i maintain an XXXX sheet for my deposit and withdrawal. I called the bank and they told me yes there was a deposit on XXXX but clerk made a mistake and deposited the fund twice and made a {$1000.00} withdrawal to balance is out. I was like, based on the statement i only see one deposit and one withdrawal. Basically clerk deposited and withdrawal my money. 
Its been more than 3 weeks and i have not received any claim update from the bank. They made me file a fraud claim saying it was a check ( changed their statement ) which was cashed in the branch, and failed to provide a copy of that check. All i want is my money back and also action taken against this bank/cashier if it was intentional. My Full XXXX statement attached with highlighted one deposit and one withdrawal on XX/XX/XXXX.