23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I had just received a replacement card upon reporting card stolen due to previous charges. I recieved a text alert if a one time password that I did not request. I logged in and placed a hold on my cards. Thirty minutes later someone created a virtual account and my balance was reduced by almost {$1000.00}. While my account was frozen. I have made multiple request to get this resolved.They have repeatedly allowed someone else to access my account and change my usernames and passwords.Their call center requires that they call you back from a different number and then they ask you to verify everything on your account. Their fraud department repeatedly freezes my account but allows someone else to access it illegally. I have filed police reports as well as disputed these transactions within thirty minutes of them taking place.i believe my calls are being rerouted somehow and I am actually speaking with the scammers. I have changed passwords usernames and pins and am currently unable to access my funds as thos is the third or fourth time I am waiting for a new card to arrive after them forcing me to report both of my new ones stolen which I had one that I had not even activated recieved only two days ago. My check is direct deposit and will go in today. They refuse to settle my disputed transaction that happens XX/XX/2024. I have contacted customer service and their fraud department many times and spent over four hours on the phone, filed written disputes, and submitted all documents.
Product: Mortgage

I CONTACTED THE SERVICER OF THIS LOAN THE MOMENT MY INCOME INCREASED. I WAS TOLD THAT I NEEDED TO PROVIDE PROOF OF THE INCOME AND TO RESUBMIT WHEN I HAVE THE INCOME, WHICH I DID. NOW I AM BEING TOLD THAT THE SALE DATE IS TOO CLOSE TO REVIEW MY MORTGAGE LOAN FOR MORTGAGE ASSISTANCE. I EXPRESSED THIS MONTHS AGO, XXXX OF LAST YEAR TO BE EXACT. NOW I HAVE PROOF OF MY INCREASED INCOME AND NOW I AM GOING TO BE FORECLOSED ON WITHOUT A REVIEW OF MY MORTGAGE ASSISTANCE REQUEST WITH MY NEW INCOME.
Product: Debt collection

Debt Validation letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Diversified Adjustments ACCT # XXXX Diversified Adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear Diversified Adjustments, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : Diversified Adjustments collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility. 
If the information can not be verified, remove it from my credit report immediately. 
Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution. 
Provide me with a corrected and updated copy of my credit report. 
Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ). 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

As stated in my previous complaints Wells Fargo is refusing to refund my money from unauthorized charges. I have since reached out to the merchant and sub merchant. ( XXXX XXXX and XXXX ) who have said my bank has put a hold on the funds and it should be cleared within a few days. This has not happened. I also reached out to Wells Fargo who have closed my claim and said they will not reopen it. I will attach the conversations Ive had with the merchants showing they see the declined unauthorized charges on the account. Please help me.
Product: Money transfer, virtual currency, or money service

I received a text message with the following content : Before and after receiving phone calls from XXXX XXXX XXXXXXXX XXXX ( This number appears on the back of my debit card. ) Attempts to call back resulted in ringing and and disconnection. The text message ( XX/XX/year> XXXX ) stated : BOA : did you use your debit card at XXXX XXXX, {$53.00}, declined XXXX XXXX XXXX WIRE TRANSFER {$8900.00}, Approved XXXX If you recognize this activity, reply YES If not. Reply NO STOP to end. 

This was followed by a phone called and the caller identified himself as XXXX XXXX, a Bank of America XXXX XXXX and the phone number appeared as XXXX. He reported that he was the fraud agent assigned to handle the case and that a wire transfer was approved in the amount of {$8900.00} and that I needed to transfer funds to a secure account to protect it from further wire transfer fraud. He stated that in order to protect the rest of your money, you will be transferring it to my boss XXXX XXXX. He provided education on how to protect yourself from fraud and seemed insistent with regard to the urgency with which I should address the matter. The phone call between myself and XXXX XXXX was initiated at XXXX and concluded at XXXX. I spoke with my spouse at XXXX and initiated a phone call to Bank of America at XXXX. 

Bank of America instructed me to cancel my debit card. I was told at several intervals that Bank of America would never and does not contact account holders, yet, they have done so on multiple occasions leading to increased susceptibility to fraud. The representative I spoke with, XXXX, made further inquiries about the wire fraud that occurred and I was given a case number. As of XX/XX/year>, I was notified that my claim was denied and that Bank of America considered the inquiry closed despite my best efforts to report the fraud in an extremely timely matter and police report filed with my local jurisdiction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate info listed in background report under County Searches section. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect. I have never lived in XXXX XXXXXXXX XXXX I have only lived in XXXX XXXX my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo Card Services in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see Wells Fargo Card Services Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.
Product: Bank account or service

A deposit I made to Well\s Fargo Bank was returned by them and reason was refer to maker when I requested that the Check be returned to me they complied and gave me written notice that it would be removed from my account within 3 business days. I then took said check to my credit Union and verified the funds as it was from an insurance company and made deposit into Credit Union. 6 days later the check bounced at the credit Union because Wells Fargo had resubmitted the check electronically and taken the funds, later I found that they indeed had been paid for that check on the evening I deposited the check so the letter that was generated to me was in fact a false hood. do to the fact that they had released the check to me and were to remove it from my account I in good faith deposited it into credit union and since it bounced I have incurred numerous overdraft fee 's and numerous accounts have put me on a cash only basis. I have on numerous times tried to negotiate with them for reimbursement of what I am out because of their mistake and have yet to get a fair dealing from them. they have skirted around the issue and changed the case number so many times that they do n't know what the main issue is. having tried and failed to deal with XXXX departments in resolving the issue I was forced to file a small claims case against them and have not gotten any response from them. being that I am on a fixed income and these fee 's totaling about XXXX now it is about securing the funds to maintain a meager lifestyle that I have. this has gone on now for 7 months and I am now at the point of filing bankruptcy because of the loss of these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account XXXX : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different?

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to all three credit reporting companies, TransUnion, XXXX, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I have tried to resolved this matter on 3 different occasions and nothing has been done, I have exhausted my resources and I demand this fraudulent account to be removed immediately. I have submitted an affidavit to back up my claim and to my understanding an affidavit stands as TRUTH if not rebutted. Please help me stop unfair debt practices from LVNV FUNDING LLC XXXX
Product: Debt collection

Sunset Solutions is repeatedly calling a friend 's number XXXX ( third-party ) regarding an alleged debt. Once he answers the phone there is a recoded message that plays stating I owe an alleged debt and if I do not call back I will be sued. On Tuesday XX/XX/21 I called the number back to find out what the calls were about I spoke with a Mrs. XXXX with the company and advised her I was recording the call as well. When Mrs XXXX asked for my social security number I asked why would I give that when I have no clue why they are calling and proceeded to advise her that the company was in violation of several FAIR DEBT COLLECTION PRACTICE ACT laws, she hung up on me twice after stating that they were not a debt collection agency even after the pre-recorded message states that THIS IS AN ATTEMPT TO COLLECT A DEBT. Initially I was told that the company name was XXXX XXXX XXXX, today XX/XX/21 I was told the company name is Sunset Solutions by a representative named XXXX. XXXX stated that there was a judgement sent to my county by their company on behalf of a company named XXXX XXXX. I have never done business with a company by that name. I have attached photos of calls made to the number listed above. As I am typing my friend called stating they just called again after I called them and asked for them to not call him again. They have never tried to contact me directly. Sunset Solutions is in violation of the following : 15 USC 1692d ( 1 ) 15 USC 1692b ( 1 ), ( 2 ), ( 3 ) 15 USC 1592c
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I dont know why. I review my report regularly, and these discrepancies are completely out of the blue. I refreshed my browser hoping it was a technical issue, but the inquiries persisted. This has left me extremely frustrated, and I need my submitted documents to be checked thoroughly to resolve this issue and prevent future worries.
Product: Checking or savings account

On XX/XX/2023 I received a phone call from chase representative stating a transaction of almost {$900.00} was being done in another state. I informed the representative that it was not me doing the transaction. The representative proceeded to closing my existing debit card and issued a new card in the mail same day. 

on XX/XX/2023 ( one day after my card should have been closed ) multiple ATM transactions on my card were done. A total of {$9300.00} were transferred between my savings account to my checking account and withdraw. 

I called chase bank and nothing was done about this fraud!
Product: Credit reporting or other personal consumer reports

Unauthorized inquires on my credit report that does not belong to me and I did not authorize them
Product: Credit reporting or other personal consumer reports

This serves up to a follow up dispute regarding the inaccurate information on my report with the following accounts XXXX XXXX XXXX ACCOUNT # XXXX BALANCE {$31000.00}, XXXX XXXX ACCOUNT # XXXX BALANCE {$500.00}, XXXX ACCOUNT # XXXX BALANCE {$5900.00}. According to 15 U.S.C. 1681i ( 4 ), you must consider all relevant consumer information during the investigation process. My official FTC and CFPB complaints directly address the removal of these fraudulent accounts and must be taken into account for their permanent removal within the next 4 business days of this written notice. It has surpassed the 4 days and is now a violation of the FCRA concerning the time frame for identity theft information removal. I request for immediate action or I will pursue legal action.
Product: Checking or savings account

See attached BMO Complaint for easier reading. 

Opened a new checking account and a money market account with qualifying activities and am entitled to a {$500.00} bonus. The company will not pay the bonus, saying the direct deposits do not count as qualifying transactions. With this I disagree. The details of the activity and offer are as follows. 

*Offer 1 : Get a {$400.00} bonus when you open a new BMO Harris Smart Money Account , BMO Harris Smart Advantage Account , or BMO Harris Premier Account and complete the following steps : 1 ) Have a cumulative total of {$6000.00} in direct deposits of a paycheck, pension payment,  Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. 

1. XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  XXXX XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  2 ) Enroll in BMO Digital Banking and set up paperless statements within 120 days of account opening. You must still be enrolled in paperless statements when the cash bonus is credited. 

Done 3 ) Have at least 10 qualifying transactions post to your account within 120 days of account opening. Qualifying transactions include ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. 


1 XX/XX/2019 {$100.00} ACH DEPOSIT 2 XX/XX/2019 {$50.00} ACH DEPOSIT 3 XX/XX/2019 {$50.00} ACH DEPOSIT 4 XX/XX/2019 {$50.00} ACH DEPOSIT 5 XX/XX/2019 {$50.00} ACH DEPOSIT 6 XX/XX/2019 {$50.00} ACH DEPOSIT 7 XX/XX/2019 {$50.00} ACH DEPOSIT 8 XX/XX/2019 {$3000.00} ACH DEPOSIT 9 XX/XX/2019 {$3000.00} ACH DEPOSIT 10 XX/XX/2019 {$3000.00} ACH DEBIT
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$38.00} ; XXXX XXXXXXXX XXXX Balance : {$690.00}
Product: Debt collection

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file