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

( Complaint in more accuratedetail ) On XX/XX/XXXX - XX/XX/XXXX I lent my smartphone to a long time no see family member ( whom I will remain anonymous ) get access to my Wells Fargo login using a saved password to my Wells Fargo app transfer funds from my Market savings account to my checking account, and use My saved Wells Fargo info on XXXX which I have an account with buy {$23000.00} worth of XXXX currency using my stored data and send it all to their XXXX address, the purchase online only required my XXXX not my physical chip, to make this purchase for online I only found out who it was weeks later after my family member was long gone and blocked my communication with me. I Trustingly and mistakenly trusted them. Thinking the unauthorized purchases couldn't have happened unless someone close used my stored auto saved passwords on my phone to login to my XXXX account and use their own crypto address to steal {$23000.00} of savings and investing money that took 10 years to build. This is 2nd time this has happened and Wells Fargo denied my claim twice, I let the first claim go, but this 2nd time I caught on and it was severely devastating to my life and I had extremely depressing thoughts this is something I can't overcome. Wells Fargo still believes I authorized these transactions since It was my IP address but It wasn't me behind the smart phone!, Wells Fargo denied all my claims twice. I Spoke to a banker they're now saying I could of prevented it because of a family member? How can I prevent a family member whom I once trusted scam me and disappear? It doesn't make sense for me to put {$23000.00} in savings and suddenly to make a big purchase and make it disappear I need help getting my money back I've lost all hope, since Wells Fargo has also now disabled my online access and restricted my debit card. I am saddened that I couldn't get help and with my police Report coming if I still can't resolve this Wells Fargo will lose a valuable member and close my savings instead using their Market Savings account service that once had {$23000.00} in it. Help please I have a police report ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 5 previous letters to you including one FTC report which was confirmed on the phone by one of your reps- XXXX ( confirmation # XXXX XXXX. He said the inquiries would be marked as fraudulent and would be off of my report within 72 hours which the call took place on XXXX. Today XX/XX/2021 they are still on my report., I am requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a XXXX XXXX XXXX and qualified for XXXX loan forgiveness. In XX/XX/2017I submitted my loan verification form to navient. They did not fill out the form correctly. They did not put the right amount I owed on my student loan. I was told by XXXX to have them fill out the paperwork again and resend. In the last 10 months I have called monthly and sometimes even every two weeks to get them to fill out the paper work. They have told me it was resent when I call XXXX they have not received. Ive asked for it to be sent to me multiple times. After ten months they finally sent me the paperwork but it was not filled out. I am having to fax the documents to them again to try and get them to put the correct balance. Meanwhile my loan would have been paid off last year by XXXX but since the did not fill out correctly I still have a balance and they are collecting interest daily.
Product: Mortgage

My home was damaged as a result of Hurricane Ida. In XX/XX/2022, my insurance company issued a check to me, my wife and Carrington Mortgage Company, in the amount of {$110000.00}. Those funds were turned over to Carrington Mortgage and we have incurred obstacle after obstacle when attempting to have Carrington issue funds to us for repairs.

1. CONTACT WITH FILE OWNER : We could never get in contact our original designated file owner ( XXXX ). This is the person who is designated to handle the disbursement of our loan funds. In spite of several phone calls and voicemail messages, XXXX never responded to us and we were always rerouted to other representatives who had no knowledge of our case. 

After TWO months of total chaos, we were issued two disbursements of {$15000.00}, for roof replacement and {$33000.00} for replacement and finishing of all drywall. 

Due to the issues with our prior file owner, we were assigned a new file owner XXXX XXXX XXXX. 
Nonetheless, we have experienced the same difficulties in contacting XXXX that we experienced with the previous file owner. We have made several calls and left several messages for XXXX. However, we have not been able to speak with him regarding our file. 

2. REFUSAL TO ALLOCATE FUNDS UB GOOD FAITH : Carrington Mortgage Company has consistently declined to issue OUR insurance proceeds to us and allow us to manage our repair process ourselves. THESE FUNDS BELONG TO THE HOMEOWNER, NOT CARRINGTON MORTGAGE COMPANY.

Carrington is insisting that it can only issue checks to contractors. Thus, forcing our proceeds to be placed into the business of accounts of contractors who we do not know. This is problematic and we have already experienced an issue with one of our contractors.

One of the previously referenced checks was endorsed by us ( homeowners ) and placed into the business account of the designated contractor. Two weeks later, we were informed that {$3000.00} of our proceeds were missing because the contractor comingled our funds with a purchase of property he closed on.

We informed Carrington Mortgage of this occurrence and that, moving forward, we wished to act as our own contractor because were not comfortable with turning over our insurance proceeds to contractors who we had no previous relationship with. 

In spite of this problem, Carrington has REFUSED to turn over the remainder of our funds, to us, and allow us to manage the remainder of our home repairs. We believe these actions are illegal and unethical. We have made several attempts to resolve this issue with Carrington Mortgage to no avail.

WE FIRMLY BELIEVE CARRINGTON IS ATTEMPTING TO WITHHOLD OUR INSURANCE PROCEEDS AND APPLY THEM TO OUR LOAN! 

WE NEED IMMEDIATE ASSISTANCE IN RESOLVING THESE ISSUES!
Product: Credit card or prepaid card

I receive UI benefits from New York. My exsiting card was closed because Key banks fraud department said there would be a new one issued. This has been on going since XX/XX/2020, today is XX/XX/2020 and I have yet to receive a replacement card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in XX/XX/year>, the breach exposed my personal information : Full names Social Security numbers Current and past addresses Dates of birth Phone numbers Email addresses This impact has caused THE MISUSE OF MY information, accounts, change of my address, the fraudulent use of my personal information, that has caused identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, regarding an account that was opened fraudulently in my name, which I believe to be a serious error and a case of identity theft. This unauthorized account has had significant negative impacts on my financial situation, including being denied housing, leading to financial hardship and homelessness. EXPERIAN Account Details for Reference : Account Number : XXXX Company : XXXX XXXX XXXX 
Incident Description : I recently discovered an account listed on my credit report under the name of XXXX XXXX that I never authorized or opened. I have no knowledge of this account, and I firmly believe that my personal information has been used without my consent. The presence of this unauthorized account has severely affected my credit score, resulting in the denial of a housing application, which has directly contributed to my current state of financial hardship and homelessness. 
Actions Taken : I have already contacted XXXX XXXX to dispute this account but have not received a satisfactory response or resolution. 
I have also filed a report with [ local law enforcement or appropriate agency ] regarding this suspected identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ) XXXXXXXX XXXX Account # XXXX XX/XX/2016
Product: Debt collection

{$870.00} being reported as delinquent when I didnt contract with agency.
Product: Debt collection

This company calls me 3-5 times a day. Sometimes back to back. That is more than 7 in a week. It is harassing at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have Bank of America on my credit report showing that I have made late payments on XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. I had never paid my account late I had called a rep and told her that I needed my due date to change because of medical problems I was having and they agreed to change my due date and they would remove the late payments and they told me to not worry that it would correct on my credit report. Now I am trying to buy a house and this is affecting my credit and I need the late payments removed please. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX Experian. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early 2019, I submitted an application for a checking with TD Bank account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, XXXX XXXX XXXX, and to the bank. They have given me the runaround.
Product: Checking or savings account

Hello. My name is XXXX XXXX and as of 2 weeks ago my bank account was hacked because transactions starting from a deposit of {$4500.00} check was made on XX/XX/21. Since the check was altered the bank withdrew those {$4500.00} but before other transactions that were {$1000.00}, {$3000.00}, and {$400.00} were made that means that my money in the account before all of this was {$2700.00} but I did pay my credit card leaving my balance at {$2400.00}. I do not have any money in my savings and my claim was declined, the bank is making me pay back {$1000.00} and I do not have any money to pay it back, this was probably a scam where they got my information therefore I got a new phone to avoid anymore scams. The check was put to my name but the signature was not my signature.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This is a daily call everyday around the same time of day noon, I have sinced blocked them and sent them a cease and desist letter and a validation lettr of the debt by certified mail and the calls still are coing they are trying to colect on a debt that my wife had a long time ago i thnk it may a student loan but I also fond out that they are not allowed to collect on a student debt. the first time I ansered the call they threatened me with jil for interrupting thier process of collecting on a debt and was very rude. I told them my wife was not here and not at this number and the lady caled me a lair and said she was ther and to put her on the pone. that is when i hung up and blocked them I am on the do not call list but this group still gets through it everyday. The group is XXXX and XXXX XXXX and the the info information show XXXX Ga but their main office is in XXXX XXXX SC and XXXX XXXX is the CEO XXXX XXXX XXXX. I have given them my wife 's number but they want call her they keep calling me and if I had a debt that they were collecting then they should tell me what it is. I want the calls to stop and I have asked them to send it in writing for the debt and the lady said she didn't have to do that. I mailed the letter yesterday and the post office was asking for a secondary adress which I can't find soit may go for nothing and be a bad address.
Product: Debt collection

I attached the email that I received this morning. 

Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Inquiry XXXX XXXX- Inquiry from XX/XX/2019 Institution Information XXXX XXXX XXXX , ND XXXX ( XXXX  ) XXXX This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.
Product: Credit card or prepaid card

I opened a Chase Sapphire Reserve card at the end of last year. This month, Chase chose to close my card. This is within their rights, however they refused to pro-rate my yearly fee ( {$520.00} ) according to the months I that actually used the card. When I inquired for further clarification of their stance they again refused and then told me they were refusing to even discuss the matter further, even though I had additional concerns to discuss. 

Nothing in my cardholder agreement authorizes them to charge me for these services under a closed account, nor does this action hold up under general contract law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most recent attempt to get erroneous information not accurate removed from my credit report. Equifax continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

XXXXXXXX XXXX continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my lexis nexis file that they refusing me when my identity has been verified. Its been more than XXXX years since I have been provided access to my file.
Product: Checking or savings account

This is day 2 of asking for my money and interest accumulated to be returned to the original bank account. I need my funds released or get in contact with the power to do so in a week. I have contacted my local news station on your terrible customer service and unethical lockdown of my funds. I will be sending a complaint every day until this is resolved.