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

I pay my taxes every year via USPS with a company check. I did the same in XXXX and after following up, looking in my account the check was cashed in the amount of {$8400.00} to the United States Treasury. The years after that, there was no notification that my taxes were not paid from the IRS. After inquiring about collecting Social Security in XXXX, I saw on XXXX  website that my earnings for XXXX were not documented, and that is when I started looking into this. I spoke to Social Security, and then IRS and in XXXX of XXXX made an appointment with IRS and determined there was fraud. 


I contacted my bank, which is XXXX of XXXX, and they determined the check was not altered or endorsed but deposited into a personal account of a Wells Fargo customer. To prove fraud we contacted the XXXX XXXX XXXX XXXX XX/XX/XXXX which then determined it was fraud and this took until XX/XX/XXXX. XXXX Bank, XXXX filed an affidavit to Wells Fargo XX/XX/XXXX and Wells Fargo responded from Dept of Exception Payments denying reimbursement due to three year reclamation XX/XX/XXXX had expired. I was not aware of all of this until XX/XX/XXXX. 


I worked on this for months after XX/XX/XXXX calling Wells Fargo and going into their locations without getting any answers. Calling the Secretary of State, XXXX complaint, and also trying to find a Registered Agent for Wells Fargo so I can file small claims on Wells Fargo with no luck. I also contacted the IRS, after them now sending me an outstanding balance in XX/XX/XXXX, including interest on the payment they did not get in XXXX. 


Although the Wells Fargo customer tried to commit Fraud, Wells Fargo facilitated them by not catching and correcting their mistake of depositing an non- endorsed check made out to the United States Treasury . Ultimately stealing from the IRS!
Product: Credit card

After getting a notification that Wells is changing card companies ( XXXX XXXX XXXXXXXX ), I was notified by Wells Fargo of potential fraud use on my card via text and email. I responded denying 2 charges and accepting 2 others. They canceled card and issued a new card and submitted a claim for investigation. 2 Weeks later I get a letter saying the claim has been denied ( via USPS letter ). Call XXXX # XX/XX/24 XXXX XXXX. Told the charges are " chip '' charges and Wells believes the card chip can not be duplicated. Since the card was in my possession, the fraud claim is being denied. I asked for supporting documents. ( I did not make the purchase they described nor to I know anymore about the purchase than the store name that Wells provided to me ). They said I needed to file paperwork and strongly suggested that it be a police report before the claim would be reviewed for reconsideration. I have 2 issues with this. First, they are placing a burden on the consumer to submit documentation that the consumer doesn't have and must wait for them to provide ( 7-10 days they say ). And 2nd, the police report requirement is a burden on our public resources that simply is not necessary. Wat facts can a police officer gather other than my name, contact info and Wells Fargo info? Is this simply a way for Wells to force a consumer to " give in '' and pay the fraudulent charges? This card has been used for years and no fraud but as soon as they announce a change in card servicers, fraud occurs. Hmmmm, certainly worthy of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction and update of the payment history for an account with XXXX XXXX on my credit report. The current payment history displayed by Experian is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, the account should be listed as Paid rather than Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect Experian to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

My water utility 's bank allowed it to deposit a check dated XX/XX/2021 with a statement integrally imprinted over the signature " NOT VALID BEFORE DRAFT DATE '' and then my bank accepted it and processed it and charged a {$36.00} overdraft fee. I have copies of the front and back of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this unauthorized inquiry blocked and removed from my report XXXX XXXX XXXX Inquiry XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my Credit XX/XX/2019 I did not authorize them to do so! Please help me on updating this information thank you
Product: Money transfer, virtual currency, or money service

Good Morning, this is XXXX XXXX, hope all is well. 
Last year in XX/XX/2022 someone with the name of XXXX contacted me through XXXX and he said he is a professional investor and he asked that I know anything about XXXX XXXX. He messaged me couple times and I didn't pay attention and then he showed me how I can make money easily with XXXX XXXX if I invest in this specific company which was " XXXX ''. He said I should try with little money then deposit it more in order to see more profit. I believed him, I signed up in XXXX, I desposited first {$100.00} then when couple thousands. And the graph was showing how my money was growing and then I desposited more through coinbase, XXXX XXXX XXXX XXXX. I deposited {$13000.00} and my money was showing that growing very well. My money reached up to {$75000.00} and when I asked the customer service that I want to withdraw they said I can not because I have to deposit more up to {$15000.00} and then I can withdraw. I started cmplaining and emailing but there was no luck. And then I noticed that XXXX XXXX was big scam and I trapped into. I have all the screenshots of scammer conversation and transactions from the beginning that I can provide. Thank you
Product: Debt collection

This Collection agency credit control corporation have been doing illegal activities before any legal matters get involved I would like to resolve this matter by them being removed from my consumer report. Credit control Corporation XXXX # XXXX Has been removed from 2/3 Credit Reporting Agencies due to its inaccuracies.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Below will be attached an FTC Report
Product: Checking or savings account

I HAD AN ACCOUNT WITH BANK OF AMERICA ON AND OFF SINCE XXXX. IN XXXX OF XXXX ( AND BANK OF AMERICA IS LYING WHEN THEY SAID THEY LOWERED THEIR NSF FEES FROM {$35.00} TO {$10.00} LAST YEAR, THEY CHARGED ME THE FULL AMOUNT OF {$35.00} ) I HAD A BILL PAY I WAS UNABLE TO STOP BECAUSE THEIR HOME BANKING WOULD NOT RECOGNIZE THE PASSWORD I WAS USING CORRECTLY FOR MONTHS AND THIS WAS A CONSTANT PROBLEM WITH THEIR ON LINE BANKING SERVICE. I HAD TO CONSTANTLY CHANGE MY PASSWORD SOMETIMES MULTIPLE TIMES A WEEK OR EVEN A DAY.

I HAD 11 ACCOUNTS TO PAY ON LINE. BANK OF AMERICA NOT ONLY DID NOT PAY ANY OF THE ACCOUNTS, THEY OVERDREW MY CHECKING ACCOUNT XXXX XXXX AND THEN ONE OF MY ACCOUNTS WITH XXXX XXXX XXXX XXXX CHARGED ME A RETURNED CHECK FEE OF {$25.00} FOR A PAYMENT THAT WAS NEVER SENT, I HAD A XXXX XXXX XXXX BEFORE BANK OF AMERICA SCREWED UP MY FINANCES. 
I WAS BROKE FOR MONTHS, THEN I GOT XXXX IN XXXX AND THAT CAUSED XXXX OR XXXX OF MY CREDITORS TO CLOSE MY CREDIT CARDS BECAUSE I WAS TOO ILL TO PAY MY BILLS DESPITE NOTIFYING THEM & MY CREDIT XXXX IS NOW AT XXXX AND IS RUINED. 
IT ALSO AFFECTED MY HEALTH. 
I HAD TRIED GOING INTO A BRANCH TWICE, CALLED XXXX BANKING AND MET WITH A XXXX WHO HAD SAID SHE WOULD GET MY MONEY REFUNDED AND LIED AS WELL. 
IN XXXX WHILE I WAS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FOR XXXX WEEKS, B OF A WHICH HAD CALLED ME A " VALUED CUSTOMER " SINCE XXXX CLOSED MY ACCOUNT, REFUNDED ME {$35.00} AND STILL EXPECTS ME TO PAY THEM {$370.00} IN FEES. 
I RECENTLY WROTE THEIR CHAIRMAN AN EMAIL & MONDAY I GOT AN EMAIL FROM THEIR CLIENT CARE FROM A XXXX XXXX AT B OF A XXXX EXT XXXX AND DESPITE 4 MESSAGES WITH MY PHONE NUMBER, XXXX XXXX HAD THE TIME TO LEAVE A MESSAGE ON HIS VOICE MAIL SAYING HE WILL BE OUT OF THE OFFICE TODAY BUT WILL BE BACK MONDAY TO DEAL WITH COMPLAINTS YET HAD NO TIME ALL WEEK TO CONTACT ME. 
I THINK THE CFPB IS NAIVE IN EXPECTING *** THIS *** BANK TO DEAL WITH THIS CRIMINAL ACT IN 90 DAYS BECAUSE I HAVE GONE THROUGH THIS BEFORE WITH XXXX XXXX BANK OPENING ACCOUNTS IN MY NAME, OVERDRAWING MY ACCOUNT AND LEAVING ME BROKE & DESPITE MY GOING INTO THEIR XXXX XXXX HEADQUARTERS 3 TIMES, LEAVING PHONE CALLS AND EMAILS FOR MONTHS IT TOOK ME 18 MONTHS TO GET MY MONEY BACK. 
MY GIRLFRIEND HAS A BANK OF AMERICA CREDIT CARD AND SHE GOT IT BECAUSE THEY OFFERED HER POINTS WHICH SHE NEVER RECEIVED. 
THE FED & YOU FINED B OF A AND XXXX  WAS FINED AND EMPLOYEES AND BOARD MEMBERS AND THE HEAD OF XXXX XXXX CONSUMER BANKING WAS FORCED TO RESIGN BUT EVEN WITH THOSE OFFICERS PAYING BACK MONEY, THE CROOKED PEOPLE RUNNING THESE XXXX BANKS COMMITTED OR WERE ABETTING IDENTITY THEFT AND SHOULD HAVE GONE TO PRISON & DIDN'T. 
I AM A POOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX ON SSI & MY FINANCIAL LIFE AND HEALTH WERE RUINED BY THESE 2 " TOO BIG TO FAIL " BUT NOT TOO BIG TO STEAL FROM THEIR CUSTOMERS. 
I HOPE YOU CAN DO SOMETHING TO HELP ME ON THIS MATTER. 
IT IS WAY PAST TIME TO CRACK DOWN ON THE CROOKED PEOPLE RUNNING THESE MAJOR BANKS AND SEND THEIR CEO 'S, CHAIRMEN, BOARD MEMBERS AND EMPLOYEES TO JAIL FOR THEIR FINANCIAL CRIMES. 

CALIFORNIA VICTIM TWICE OF THE CROOKS.
Product: Debt collection

I contacted Cashnet USA which is the original people over the account, but they gave it to XXXX XXXX XXXX but this account does not belong to me. Ive been trying to to get this dept off my credit for 3 years now
Product: Credit reporting or other personal consumer reports

I had a federal student loan from XXXX, for {$500.00}. It was transferred to XXXX  years ago and XXXX  put the account in forbearance without explaining how interest would accrued etc, the balance is now showing over {$1000.00}. I was never informed that the loan was taken over by XXXX, as it still shows as under XXXX on transunion and XXXX credit reports. I tried to dispute with each as its no longer with XXXX  as I recently learned but, they didnt remove it from my credit reports as such. In addition, the loan was in forbearance ( automatically ) under the cares act during COVID19, I was unaware that XXXX was the new loan servicer, I Never received any mailings, emails or phone calls from XXXX in only found out it was with them by checking XXXX credit, however it always showed as positive with no payment due including for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, when I checked my credit in XX/XX/XXXX my score dropped by XXXX points solely due to this student loan they reported it as 90 days past due and I had no idea that a payment was even due. I immediately found the contact info and called them very upset because Ive worked very hard on my credit over past years to get approved for a mortgage in the near future but, this loan from 17 years ago that I honestly didnt know anything about is now hindering my mortgage approval by their negligence in informing me properly of any upcoming or resumed payments. The phone number and email address they had for me has been inactive for years, and I have no access to either. The mailing address they had listed was inaccurate at the time of their mailing as I didnt officially move into the home nor did I legally change my address or license yet. Therefore, I never received anything from them. My family had to move 4 times since the pandemic so addresses have changed often and lots of mail has been lost as a result. Ive since made a payment plan with them however, I would like to have the 90 day late payment report removed from my credit as I was Not informed properly by XXXX at all
Product: Checking or savings account

I have a lot of movement on my account with deposits and withdrawls. I had unauthorized charges on my account for over {$5000.00} in charges. One claim said since it took me a week to call in that is why they denied it. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't have time to review XXXX to XXXX transactions a day on my account. By their logic I'm supposed to watch my account every single day at every single moment. I pay guest 's, workers via XXXX. I go in, pay and then I continue to work. I do not have enough time to do such a thing. This was done by Bank of America. Lastly, they denied the claims because I didn't do it at the moment. The bank can go back 90 to 120 day 's for a charge. I am not perfect
Product: Credit reporting

Personal information hacked from records at the Department of Veterans. 
Affairs. Had to cancelled and be reissued bank card and credit cards. 
Attempts to purchase credit card by hacker cause hard hits on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Good Morning : I have been trying to work with SLS mortgage company. My loan is in default. I received assistance of {$65000.00} from TX XXXX program but the mortgage company would NOT accept it because it was not the full amount. I was pleading for a loan modification and this amount would help substantially with some personal funds that I have. Instead XXXX has continued with the foreclosure process instead of working with me, the homeowner. This lack of communication and lack of assistance upon request has been going on since XX/XX/XXXX and now I am scheduled for Foreclosure on XX/XX/XXXX. I am quite sure there are resources out here to help, I just don't know who to contact. Please advise if you know of any resource that I can contact. Thanking you in advance.
Product: Debt collection

My identity was stolen and used. I want this removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX  XXXX  XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as  delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance {$5900.00} XXXX  XXXX XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing to formally dispute inaccurate and/or unverifiable information included in my credit report as furnished by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance.

The following item ( s ) on my credit report are inaccurate and require immediate investigation and correction : XXXX. XXXX XXXX XXXX {$1400.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 
XXXX. XXXX XXXX XXXX {$660.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 


The inclusion of this inaccurate information has caused harm to my creditworthiness and may have resulted in adverse actions against me, including [ briefly mention harm, such as denial of credit, increased interest rates, etc. ]. 

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputes regarding the completeness or accuracy of any information contained in my credit report. If the disputed information is not verified as accurate, it must be corrected or deleted promptly. 

Please provide written confirmation of your receipt of this dispute within 30 days, as well as the results of your investigation. Should you fail to comply with your obligations under the FCRA, I reserve the right to pursue all remedies available to me under the law, including those outlined in 15 U.S.C. 1681o for civil liability due to negligent noncompliance. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX If youd like to refine it further or add more details about your case, let me know!