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

On XX/XX/2023, there were a series of three XXXX withdrawals from my checking accounting with Wells Fargo. These three withdrawals totaled {$3000.00} and were not authorized by me, and were fradualent attacks on my account. I have tried numerous times to get this issue resolved by Wells Fargo and have my money refunded into the account with no luck, and them stating that their research showed the transactions were made through a secure online banking through me or someone who had my authority. This is absolutely not true and far from the truth - someone has stolen {$3000.00} from my account and for some reason Wells Fargo won't do anything about this. I did not authorize these transactions and someone has made off with {$3000.00} with no further action from the bank. I don't really understand how these transactions could be authorized by Wells Fargo and I would like my account to be credited back for the {$3000.00}.
Product: Credit card or prepaid card

I sent a physical check to Citibank for {$1200.00} to pay my balance in full. They misapplied the payment to another customers account, cleared the check via ACH from my checking account on XX/XX/XXXX. I contacted them to file a claim and they filed a claim. I was supposed to submit the copy of my statement to 'prove ' they have my funds, they put a provisional credit on my account and I have been trying to get ahold of any claims department to get the address, fax or email address of where I can send this proof they require to get my funds, fees and credit reporting corrected. I've tried calling and I get put on a silent hold for over 10 minutes and no one will send me to the correct area to discuss! Citibank gave me a customer satisfaction fee reversal, as a courtesy, when I filed the claim. I need to know they are correcting my profile to clarify all fees, interested and credit reporting was due to their bank error, not my error. Please assist me in getting my credit card corrected due to their incorrect payment processing error. A simple search of their account database would have found my account, if they bothered to confirm where they were placing the credit.
Product: Debt collection

Midland Funding, LLC representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$3100.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard credit inquiry from Bank of America on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from XXXX XXXX and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from XXXX was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which I did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Product: Mortgage

New REZ-ShellPoint mortgage continues to state my mortgage is in deferment on all three of my credit reports, since the CaresAct was enacted in XX/XX/2020. This dropped my credit score! 

I have been on time with EVERY monthly morgtage payment since New Rez took over the servicing of my loan in XX/XX/2020. Furthermore, I am not in a deferred payment plan and even if I was, mortgage servicers are not allowed to use this remark on credit card reports. 

I have emailed NEW REZ at least 4 times regarding this matter. I have received an email stating they received my correspondence but they never send me anything after that. 

I have disputed this with all three credit bureaus numerous times. New Rez will not remove the incorrect deferment remark that is hurting my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681 151 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account with my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX has reported late payments to the consumer reporting agencies. By law it is Illegal to report transaction history! This being said, the account shall remain in error status until this is rectified. 

Also after opting out, my letter was to this day unanswered. Ive attached a copy of the letter sent to XXXX XXXX XXXX. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Product: Debt collection

XXXX XXXX XXXX  collecting debt for XXXX XXXX XXXX that I never opened or knew about, have asked for a copy of where I signed up for this card and nobody is able to provide information. I have contacted XXXX XXXX to be told contact XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ancima credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.
Product: Checking or savings account

Chase bank terminated my bank checking and savings account and credit card account without any notice. Online account access was blocked citing " ... locked due to suspicious activity ''. I called the telephone number provided and was told no details would be provided per Chase policy. I spoke with a supervisor who told me the same. I visited a local bank branch who repeated the same information after making a call to Chase headquarters. " Chase is terminating its relationship with you '', was the only statement provided. The branch refused to refund my money and refused to pay any possible non-payment fees for upcoming auto-payments affiliated with the accounts. I was told I would receive a cashiers check in XXXX days for the account balances. In the meantime I have no cash and no credit card for daily expenses.
Product: Credit reporting or other personal consumer reports

After my last dispute requesting documentation of verification of the public record on my credit report the response I received was the public record was verified by the address listed/filed on the bankruptcy along with social security number and date of birth from national reporting agencys. This is not sufficient. The public record must be verified by the original furnisher, US bankruptcy court. The public record is not verifiable and the credit reporting agency knows this which is why they are trying to verify by going around the furnisher and looking for other sources. I know this because I received a letter from the clerks office at the U.S bankruptcy court stating they do not verify for credit bureaus. If documentation showing that this public record was verified by the furnisher can not be provided by this credit agency who insist that they verified the public record it must be deleted. 

Attached is a letter from the bankruptcy court.
Product: Mortgage

In XXXX of XXXX, NewRez LLC DBA Shellpoint Mortgage acquired servicing rights to my mortgage from XXXX. My county issued a tax bill in XX/XX/XXXX that was due at the end of XX/XX/XXXX. NewRez followed prior experience on the loan and made a payment in XX/XX/XXXX as though it was a semi-annual bill. They paid approximately half of the total amount at that point. Per previous years that were handled by XXXX, that would have put them on target to pay the remainder ( the second semi-annual payment ) in XXXX of XXXX. But, since the county ( XXXX County, MD ) issued the bill as an annual bill, the total amount due was expected by end of XX/XX/XXXX. The remainder of the amount due to the county was issued by NewRez on XX/XX/XXXX, and included penalties imposed by the  county. That payment was not posted to XXXX County until XX/XX/XXXX, and included over {$300.00} in penalties. This amount came from my escrow. 
Late in XXXX, NewRez did an escrow analysis and determined that I needed to increase my escrow payment by approx $ 385 monthly beginning XX/XX/XXXX to meet the escrow amount needed to pay the bill when it becomes due again in XXXX. This was on top of an analysis that added over $ 100 monthly beginning XX/XX/XXXX. 
On XX/XX/XXXX, I called NewRez and asked to speak to someone who could correct this error, and was told that my only path was to email to the servicing group there. I did so. I got an acknowledgement of receipt of inquiry 6 days later with a notice that it can take 30 days to respond. I have gotten nothing from them since, other than to recognize the increased payment due. 

They have mishandled my account from the day that they got it. They are not servicing it properly. Their failure to pay my full tax bill resulted in a notice received by me that my property would go to tax sale. Additionally, my federal and state income taxes have been impacted as my real estate tax payment amounts were short in XXXX.
Product: Debt collection

XXXX sent me an account for {$62.00} dollars to the company Southwest Credit SYS for collection. My credit history is being affected. I have no service and I did not have service with XXXX. I contacted them twice informing them that the account did not belong to me and that I would not pay for something that I do not use. I have struggled with this situation for over 1 year. They are violating my rights to good credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I received information that I had a XXXX XXXX 2012 I spoke with the told them I never had this vehicle and also a house as well I dont have any information they wont give it to me Ive been living here in XXXX XXXX all my life Ive never lived in no other state I never bought a house a car either can I get a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX  XXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX on XXXX XXXX, XXXX and Equifax continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Five Fruad Accounts on my credit report and Two inquiries. 
XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX {$3500.00} 7 ) US Dept of ED/XXXX {$200.00} 8 ) US Dept of ED/XXXX {$900.00} 9 ) US Dept of ED/XXXX {$350.00} 10 ) US Dept of ED/XXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. 


I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed. 

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the following account below : XXXX XXXX XXXX Acct # XXXX NATIONSTAR/MR COOPER Acct # XXXX XXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " 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, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, anyConsumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) The financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. Any and all consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate 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 do not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
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. 

Account Name 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 has violated my rights. Or list of inquiries 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 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.