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

XX/XX/2023 Wells Fargo own Transaction record clearly showed that {$4500.00} disappeared from my checking account without any knowledge or approval. The missing money was paid to another person account under " XXXX XXXX '' Wells Fargo blamed me for the origination of the " Bill Pay '' ( see attached Wells Fargo finding ). While Wells Fargo transactionrecord clearly showed 1. XXXX XXXX initiated the funds transfer on another computer ( Wells Fargo own reference number XXXX ) This clear evidence refutes Wells Fargo claim this originated from my account which is farcical at best. 

2. No bill payee detailed on my account under " XXXX XXXX '' was ever established from my account. This clearly refutes Wells Fargo blame and assessment this originates from my own account. 

I strongly believe this accounting error originated from Wells Fargo. 
Wells Fargo later than redacted this same transactional record from my access ( point 1 ). Not before me capturing the details. Further avoided any reference to these facts. 

I believe these irregularities ( theft ) is further exacerbated by Wells Fargo own finding which blames me for these missing funds. 
As I've shown these details to Wells Fargo, they have clearly ignored any evidence of findings submitted ( submitted here again ). 

This is clearly theft by an internal employee or an accounting error, which Wells Fargo refuses to research and follow any leads on. What I would expect from banking fudiciary responsibility that is clearly owed to a 40 year account owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX BANK XXXX Balance : {$2700.00} ; XXXX BANK XXXXBalance XXXX {$2200.00}.
Product: Student loan

I have an account with  ACS Education Service.  I called and asked for the paperwork to do an income based repayment plan. I stated that I want to start paying the loan but I could n't afford the  XXXX  dollars monthly payment. I also asked about the deferment since by the definition on their website, I fall under this category. The individual was rude and told me that I 'm not on  XXXX   XXXX . I asked her to explain since this was and has. been my status for the past 10 years. She stated that I did n't qualify but of course she could put the loan in forbearance ( of course, because it accrues more interest and they always give this option instead of trying to work with me to actually get the payments to an affordable amount ). She stated she could send me the paperwork, fill it out and send it back to them. I did this, then I was told o, your application was n't accepted because that 's the wrong application. But this is the application that you sent me. I was very specific in I wanted to apply for an income based repayment plan. Then I was told to redo the paperwork. I did this. This time I was told that my tax return was illegible. How is the application legible ( which was handwritten ) but the tax return, printed directly from the tax servicing company illegible. Then AGAIN, it was reported to my credit report that I 'm past due. I keep going in circles with this company and I will reconsolidate with another company. It is ridiculous that this is the second complaint I 've had to make about this company. When I call into customer service, the agents are so rude and they either want you to pay or put it in a forbearance. They are absolutely no help. My last complaint, the agents kept telling me to call the  Dept of Education, k nowing fully that they have nothing to do with a pre-existing loan. I 've faxed my application to this company several times and as much as I follow the directions given on the paperwork and by the agent, I still get a letter saying my paperwork is denied. The only time I 've gotten anyone that actually wanted to help and took the time was individuals who called after I made the complaint. EVERY call to customer service has been rushed, rude, given misinformation/false information and made no progress in resolution to pay my student loan.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/2023 I withdrew money from my XXXX account to huntington in increments of XXXX - XXXX in order to take advantage of a promotion huntington offered. The total amount transferred was XXXX. I was on vacation XX/XX/2023 in XXXX and tried to sign in to my huntington account online and was unable to so I contacted customer service. They said they would put a ticket in to have this fixed by the next day. then the next day it still didn't work so I called and discovered they closed my account without reason. They said I had to go to the bank in person or wait and they will send a check to my address. I had to wait until my vacation in XXXX was over to go to the bank. Just this Monday when I went they told me they sent out a check so they were unable to give me my money. I called customer service and they told me they didn't send my check and my account was under investigation and I could not get my money back. I asked when the investigation will be over and they gave me no time and said they didn't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} TransUnion : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX
Product: Debt collection

THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I'm seeking your urgent assistance in addressing a concerning issue related to inaccurate information on my credit report. The credit bureaus are reporting an incorrect and inaccurate negative/delinquent account, and there are inaccuracies in my personal information as well. I am deeply concerned about the potential impact on my creditworthiness due to this incorrect reporting. 

I have attached a detailed letter outlining the discrepancies and have provided copies of my utility bill and driver 's license, both containing my accurate personal information. I believe these documents will support my case for the removal of the inaccurate negative account. 

I kindly request your prompt intervention and assistance in rectifying this matter. I understand the importance of maintaining accurate credit information, and I trust that your involvement will help ensure a fair and accurate representation of my creditworthiness. 

Thank you for your immediate attention to this matter. I appreciate your assistance in resolving this issue. 

Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX - XXXX Violations Identified : Payment History : The late payments reported ( XX/XX/scrub>30/60/90 days ) lack a clear and complete timeline as required under the Metro 2 guidelines. 
High Balance/Credit Limit Discrepancy : High balance inconsistently matches the credit limit, creating unclear reporting. 
Date of Last Activity ( DLA ) : Inconsistent reporting of the DLA between the bureaus. 
Closed Status : Closed account reflects a {$0.00} balance but retains a delinquent status, which is inconsistent with FCRA guidelines. 
Remarks : Incomplete or conflicting remarks regarding account status ( e.g., " Account closed due to inactivity '' and " Paid as agreed '' ). 
XXXX. XXXX XXXX XXXX  - XXXX Violations Identified : Late Payment Reporting : Late payments fail to reflect uniformity across all three credit bureaus ( XXXX, XXXX XXXX TransUnion ). 
Date Opened : Inconsistent date opened across bureaus. 
Account Status : " Open '' status while remarks suggest " Closed '' under Metro 2 coding inconsistencies. 
XXXX. [ Account Name, Account Number ( e.g., XXXX XXXX XXXX ) ] Violations Identified : Dispute Resolution Status : No " XB '' code indicating investigation under FCRA guidelines, despite a dispute having been submitted previously. 
Payment Frequency Reporting : Missing monthly payment data fields for an account listed as active. 
Credit Limit Reporting : Failure to accurately reflect the balance owed upon closure or reflect true terms of the loan agreement.

Legal Basis : Pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ), information furnished to consumer reporting agencies must be accurate, complete, and verifiable. The identified discrepancies demonstrate violations under : 15 U.S.C. 1681e ( b ) : " Maximum possible accuracy '' standard.

Metro 2 Compliance Guidelines : Uniformity and consistency requirements across credit bureaus. 
15 U.S.C. 1681i : Obligation to reinvestigate disputed information.

15 U.S.C. 1681s-2 : Furnisher obligations for reporting accurate data.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I was informed of negative information reported by the XXXX Federal Court-XXXX in  my file that Equifax XXXX XXXX Maintain. Upon receiving this information, I immediately sent a letter to Equifax challenging the accuracy, compliance and reportability of the listing. Equifax XXXX XXXX never responded to nor sent any documentation associated with this account, bearing my signature. Therefore I sent another letter on XX/XX/XXXX as a follow up to my original letter dated XX/XX/XXXX regarding the entry being reported under XXXX Federal Court- XXXX XXXX In this letter I stated that they were in violation of federal law by not replying to the first letter in a timely matter and that they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. In response to the follow up letter, Equifax sent results of the dispute after not responding to the very first letter. The problem I have with this, is the agency they have listed as being the agency the information was verified through, is XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX, I had my files frozen and suppressed by XXXX XXXX per my request and received confirmation in the mail on XX/XX/XXXX of doing so. Upon receiving the results from Equifax XXXX XXXX, I was puzzled on how they obtain information on frozen and suppressed files, so I telephoned XXXX XXXX XXXX and was told, no agency called to request information on my files and that my files were frozen and suppressed.I have a serious problem with companies that blatantly lie and blow me off, because they can not prove accuracy. This is the reason why I am filing the complaint. I have included attachments as proof. Thank you
Product: Debt collection

PORTFOLIO RECOV ASSOC I sent certified mail over 30 days ago I havent received a response yet. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.
Product: Credit card

I obtained a credit card from US airways that became a Barclay card. There was an associated member fee that I did not pay due to the fact the card name was changed from us airways to Barclay and i did not realized the fact until late. the account was closed. I wanted to pay them whatever was due at the time of the account closure but they refused and keep adding an exorbitant fee each month on an closed account. I need you to help me find a fair solution to XXXX parties. I want to pay what the money for the annual fee but I do not want either to fall victim of extorsion. I believe the fee should be around one hundred dollars but now they want {$270.00} by early XXXX.
Product: Debt collection

Called and wouldnt give the name of the company I owed as I knew it and wrote checks to, repeatedly. Refused to provide proof, other than phone calls, that they were authorized to collect the debt despite my asking for this over and over. Refused to talk with me after bankers hoursalways when I am working. Asked them to send correspondence to my work address, they refused. Refused to allow communication with them by email or faxthis is 2019 folks. Even the debt they are trying to collect was executed electronically. Refused to stop cutting me off in mid-sentence. Attempted to intimidate me by ignoring things I said when I talked and cut me off. Refused a call back from a supervisor. Their accounting of the amount owed is wrong even though I have bank records that show that Im right. Refuse to look at that accounting. A company based in XXXX GA keeps displaying a XXXX, IL area number because my cell phone has a XXXX number, leading them to give me incorrect times as tomwhen they weee open. Made light of my job in television as a news reporter who has done story after story about scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected 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
Product: Credit reporting

I am currently trying to remove things from my credit by disputing them. I noticed on transunion things fell off then got added back. When I called customer service and asked questions the lady was very rude and refused to help me. Attached is a screenshot of the stuff removed and put back on. Thank you for your time.
Product: Mortgage

County taxes were due in XX/XX/year>, I was contacted by the county of requested notice of payment due, despite NewRez LLC informing they paid in XXXX XXXX ( which was deducted from the escrow account ). The taxes were still not paid, I was not informed of where the money was, so I paid the taxes directly on the county website. 

I have inquired multiple times as to why the amount they deducted from my escrow account was approximately {$800.00} more than what was listed as due for county taxes, and why this amount is still missing from my account since I already paid the county taxes directly. 

It has been over XXXX months, NewRez LLC has not responded to any of my inquiries and the " tax payment '' money they withdrew from the escrow account is still missing.
Product: Bank account or service

In XX/XX/2016 I opened a checking account with TD. At that time, if you opened either a premier checking or convenience checking, you would qualify for a reward. 
I spoke with the branch manager, XXXX, to open a checking account with {$150.00} reward and she assured me that if I am making direct deposits and debit card purchases in a certain amount I will qualify for the reward. 
After I did whatever it was told, I was denied from getting the reward. every time when I was calling to dispute the reason, it was told me something different. 
First they told me that I have to wait for another couple weeks for the reward to post. Then they said that I opened the account over the phone, so i will not get it. Going back to the branch and talking to XXXX ( that opened the account for me and making sure I will get the reward back in XX/XX/XXXX ) she told me that I would not get the reward because I switch the premier checking with convenience checking and that 's why I will not qualify. Last, calling another supervisor - XXXX I was informed that will not get the reward because only one per household is given!! 
I 'm sure that if I continue to call they will tell me whatever other reasons. 
At this time I am looking for a lawyer.
Product: Vehicle loan or lease

My issue does not have to do with an auto loan, but I did n't seemy issue as a choice. It has to do with a faulty car part. Not sure if you all deal with cases like mine, but I do n't know where else to turn for help. 

Wed XX/XX/XXXX I brought my car to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, because my XXXX XXXX XXXX which I bought in XX/XX/XXXX, was having difficulties starting. My XXXX XXXX XXXX has 58k miles on it currently. 

It turns out my starter is going out and they told me it would cost about {$700.00} to fix it. I was very upset, of course, because there is no way my starter should be giving me problems at this point with 58k miles on the car. 

On the same day, Wed, XX/XX/XXXX, XXXX XXXX 's, manager, XXXX XXXX, contacts American Honda and because this is a " known '' issue -- - I 'm informed American Honda offered to split the repair cost with me 60 % Honda and 40 % me. When I ask if I can speak to the contact person or decision maker at American Honda, XXXX XXXX tells me he " ... is prohibited from giving me American Honda 's  number. '' XXXX XXXX advised me to find the number myself in my owner 's manual. Needless to say that should have been an indication as to Honda 's helpfulness in this matter. 

When I called American Honda on Monday, XX/XX/XXXX, I protested the 60 % 40 % split, because I do not believe I should be on the hook for a part that is " known '' to be faulty. I was told by an American Honda representative or " case manager '' XXXX to take it or leave it. That my car was out of warranty and that this was a limited time 30 day courtesy offer extended to me, because I was a " loyal '' customer and the issue with the starter is a " known '' issue. When I asked for an email so I could correspond with American Honda in writing, I was told by XXXX that they would only speak to me on the phone. Even if I wrote a letter, my " case manager '' would only call me back and never return my letter in writing. 

I looked into this starter problem and apparently the starter is going out on a lot of XXXX XXXX  and XXXX XXXX, XXXX, XXXX models. There is also a class action law suit  forming on the east coast, law firm is XXXX XXXX XXXX XXXX. 

My question is do I have any other recourse? Can the CFPB put any pressure on American Honda to correct their problem and not hold consumers accountable for their faulty part? American Honda are denying culpability and hiding behind the fact that the vehicles are out of warranty as their excuse for not covering the entire cost of the repair. Is that legal? 

My case reference number with American Honda is # XXXX. American Honda 's phone number is XXXX ext. XXXX. Address : XXXX XXXX XXXX, XXXX CA XXXX
Product: Debt collection

he HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications.

They are in violation of HIPPA law privacy this should be reporting on my credit report.
Product: Vehicle loan or lease

I have tried contacting Hyundai Motor Finance multiple times to inquire about lease termination or lowering monthly payments due to financial hardship, and I have not been able to speak with anyone regarding this matter. Each time I call I speak with someone who informs me they need to transfer me to a different department. While I'm on hold for the transfer the phone call hangs up about 2-3. When I am given a direct line to call for the lease termination department, it just brings me to Hyundai Motor Finance 's main number. This is very frustrating because we need to address our account but can't seem to contact the people to help us.
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 XXXXXXXX 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
Product: Credit reporting 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 XXXX XXXX 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 an 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.