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

Hello, I am hoping I can get some help. I am a XXXX XXXX XXXX in the City of XXXX XXXX. I have a XXXX XXXX XXXX and I bank with Wells Fargo. The only 2 individuals who have access to this business account is me and my wife. On XX/XX/XXXX someone hacked my business account and made a debit of {$15000.00} which I had saved to clear XXXX   checks. The very same day ( in a few hours when I was checking my account if the checks cleared I saw the debit transaction and immediately contacted Wells Fargo to stop this transaction ( the transaction was initiated at around XXXX PST ) and we contacted Wells Fargo at around XXXX while we pleaded to stop this transaction it was not. When we contacted Wells Fargo again we were told that there was no claim opened and a complaint was filed with Exective Office. After about 2-3 weeks we are told that the claim has been closed. We have begged and pleaded with Wells Fargo Claims department and Executive Office for more information and have always reached a wall of " it is internal '' when asked more details and information. We are then provided with " Right to documentation package '' and when we have questions on how this Direct Pay was setup we are given the same answer of it is internal, because if it was online then there has to be a record and an IP address associated and if it was done in person then there has to be an approval. 
My wife was at the bank that day making a deposit and she was there only for the deposit and did not setup the Direct Pay. 
Wells Fargo refuses to share information citing it to be " internal '' while expecting us not to question the {$15000.00} and how it left my account. 
Based upon the login information shared by Wells Fargo it clearly shows that we logged in on XX/XX/2020 at XXXX and logged out at XXXX and the next login was on XX/XX/2020. 
All this is so baffling and frustrating but in the end I am short of {$15000.00} and am pleading to your office to intervene and help us get some clarifications and answers. 
I have to pay my lease, utilities, employee and XXXX  and to loose that big of an amount for any small business is a huge blow and especially during these tough times. I will be more than happy to share any information or documentation that I have from Wells Fargo. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure
Product: Vehicle loan or lease

We have a loan for a boat with BMO. Our loan was originally with Bank of the West, but it was moved due to a merge. We set up automatic payments through the BMO app and BMO pulled out two payments during the month of XXXX ( payments were pulled on XX/XX/XXXX and XX/XX/XXXX ). We called to notify them of the mistake and they claimed they were not able to fix the issue. They instructed us to call our bank. We did this and our bank stated since we set up automatic payments through their website they would be the ones to fix it. We canceled future payments and instead set up billing through our own bank. We asked for a refund for the overpayment and were told they would mail a check. They stated they could not do direct deposit despite having our account information. We were told the check would arrive within 12 days ( a week for processing and 5 additional days for mailing ). We spoke to them on XX/XX/XXXX. As of today XX/XX/XXXX we have yet to receive a check. We called them to inform them and they state we have to wait an additional 30 days for the check. It feels as though we are being punished for a mistake made by them. The amount of payment was XXXX, which isn't a huge amount, but they are also extremely rude each time we call. When we ask to speak to a manager or supervisor they place us on hold for no less than 30 minutes each time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. XXXX 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$96.00} CHARGED OFF - XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Mortgage

Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.
Product: Consumer Loan

My husband and i have a auto loan with SNAAC. We trade our truck in on XX/XX/XXXX. The dealership sent the payment to the company on the XX/XX/XXXX. And it sends it was delivered on the XX/XX/XXXX. It is now XX/XX/XXXX and they say they never received it. When i spoke the gentlemen this morning he said the address was wrong. But thats the address they have on the website for payoffs by mail.
Product: Credit card

As a individual on behalf of the consumer XXXX XXXX XXXX, there is no way I should have been denied by AMEX for extension of credit for PERSONAL, FAMILY, AND HOUSEHOLD PURPOSES in a consumer credit transaction ( my application ) I filled out with my Legal Entity Social Security Card Number that's secured. All credit is backed by the full faith of the UNITED STATES and is federally regulated by the FEDERAL CONSUMER PROTECTION ACT. 
Also please see attached files
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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. 

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/2023, I responded to an offer from XXXX XXXX for internet and television service at my home. The technician eventually came to my home, after the fiber optic line had been installed to the outside of my home. 

Upon arrival, the technician cut the cable that had been providing my service from XXXX. He then came in and attempted to install the XXXX modem inside my home but could not get a signal necessary to provide service. He offered to come back but I explained that I would be on vacation for XXXX weeks and the dates he provided wouldn't work for me. He told me to leave the equipment and the signal issue would be repaired remotely and should be working when I returned XXXX weeks later. At this point, I was not aware the technician had cut my XXXX line. I had to call XXXX back and have a technician come out to repair the cut line, which he did haphazardly. 

When I returned from vacation, I noticed green lights on the modem and assumed there was a good signal. When I called XXXX to activate service, the price I was originally quoted was not the price I was given during activation, so I told the agent I was not interested, and they could come pick the box up. I was then told that I needed to mail the box back in, so I agreed and was sent return instructions on XXXX XX/XX/2023. I returned the equipment, and it was received on XXXX XX/XX/2023. 

Regarding the alleged past due balance of {$24.00}, I am not sure what XXXX was trying to charge me for since I never had service activated. In fact, I was on vacation the first XXXX weeks of XXXX and did not attempt to active service until after XXXX XX/XX/2023. Another error I noticed is a charge for {$7.00}. XXXX for XXXX XXXX XXXX when the itemized bill clearly states that amount as a, " multi product discount ''. Finally, the {$90.00} phone equipment charge relates to the equipment that was clearly returned and received by XXXX. 

I have made numerous attempts to resolve this issue with XXXX and have spoken to agents there via phone at least XXXX times. Each time I was assured the issue would be handled and that I would receive a return phone call verifying it was addressed. This never happened. 

XXXX final comment I have is that I am now being harassed by the collection company. I received a call at XXXX this morning ( XXXX XXXX ) from phone number XXXX, during which a rude agent attempted to collect this alleged debt. My dispute letter, which I downloaded from this website, clearly stated that I was not to be contacted. 

Thank you for looking into this issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to XXXX XXXX and TransUnion Inconsistent incomplete and inaccurate errors are as following XXXX reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all TransUnion reports account open no past due no term no payment no past due balance XXXX TransUnion and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, I have found some information that is inaccurate on my credit report. There are reports of late payments, This is not true, I was not late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
Please address this matter promptly and confirm the removal of the disputed entries
Product: Mortgage

A corporate raider took over the company where I had worked for 40 years, sending my job to XXXX and my XXXX to XXXX only knows where. 

This resulted in a financial disaster. A situation made worse after my lengthy hospital stay and my wife 's XXXX XXXX ( She recently passed away from XXXX  XXXX. ) Financial and credit advisors recommended a reverse mortgage on our house. This was not something I wanted to do but had little choice. 

We took a second mortgage to get some debt relief. We were told that we would get to live in the house until we died, as long as I kept the insurance and taxes paid. Which I have done. 

The mortgage went through a half dozen or so lenders with no problem. Finally, ending up at Novad and it has been a hassle ever since, with Novad even ordering me out of the house on two occasions. 

Novad is evicting me again ; a letter dated XX/XX/2021 directs me to be out of the house by XX/XX/XXXX. That I should empty the house and leave the key in the door. 

They never state plainly why this has come about, only that I have not kept one of the mortgage agreements and the payment is due. Which broken agreement is never stated. Only that I should empty the house and leave the key in the door. 

My calls to Novad have not resulted in my learning what the XXXX is going on, or what I have done to be kicked out in the street. I have never received the return calls promised. 

It is not easy on a Social Security income, but I have paid all the taxes and kept the insurance in force. If there is some problem, I would think they would let me know by mail or phone and give me a chance to correct it before evicting me from my home of 50 years. 

I am XXXX years old, suffer from myriad ailments, take 18 prescription drugs a day plus XXXX, and have nowhere else to go. 

A cursory internet check shows Novad has a poor reputation among many customers. I can see why.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 
I have submitted all required documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions involved. Despite the severity of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been sparse, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling neglected and unsupported by the institution I trusted to protect my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that you implement measures to prevent such incidents from recurring, as it is evident that my personal information was mishandled and exploited. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a letter from Best Egg that stated I inquired about a rate for a loan with XXXX XXXX XXXX XXXX  XXXX I have never heard of any of these entities and this is yet another attempt at fraud using my name. I did not make this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LOUISIANA CHILD SUPPORT, XXXX XXXXXXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXXXXXX was fraudulently open using my information. Equifax has played apart in my identity being stolen due to my compromise during their data breech as well as reporting this account as been late collection account every month! Pursuant to XXXX XXXX XXXX, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I received an email from Chime Bank stating my account was suspended due to suspicious activity. I had zero warning. I immediately called customer service, after they already verified that I was the account holder, by my phone number, email, address, date of birth, and SS #. They told me I needed to provide proof of address and two forms of ID, which I sent in on the XXXX at XXXX XXXX. I have yet to get a response from anyone or a status update. I have multiple deposits going into my account and have no access. My rent is currently late because of this. I have called everyday since and have gotten no where. After seeing a number of complaints from other people, this looks like its their MO. They close peoples accounts for suspicious activity then steal their money.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and XXXX  are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I feel Navient misled me about the public service loan in XX/XX/XXXX. Navient led me to believe that I was on my way to being qualified for a public service loan due to making nearly 10 years of student loan payments on time. I completed all the paperwork including having former employers to sign off on my service and submitted everything only to be told after the fact that because I had not combined my two Stafford Subsidized loans I would not qualify, although both loans are servi

ced by Navient. I have since thrown away all the PSFL
paperwork believing I did not want to risk changing anything to my federally subsidized loan and that I would be able to pay off the loan before XX/XX/XXXX.

Thanks for hearing my frustration. It is sad that financial institutions are allowed to take advantage of students in the way I and others -- I'm now learning, have been taken advantage of.