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

Description of What Happened : Missing Deposit Claim XX/XX/XXXXXXXX XXXX XXXX Claim Number : ** XXXX - Date of Claim : XX/XX/XXXXXXXX XXXX XXXX XXXX Amount : {$17000.00} missing deposit - Action Taken : I filed a claim regarding a missing deposit of {$17000.00} that was originally made on XX/XX/XXXX, which was erroneously processed as a {$15000.00} withdrawal. This totals {$32000.00}, including both the missing deposit and the unauthorized withdrawal. The withdrawal slip provided by Wells Fargo was filled out incorrectly ; my name is not fully spelled out ( only the first letter of my first name is included with my last name ), it is not in my handwriting, and my signature appears twice on the slip. 
- Status : The claim was denied, with Wells Fargo stating that no errors were found regarding how transactions were posted to my account, despite the discrepancies in the withdrawal slip documentation. 

Multiple Fraud Claims XXXX XXXX Total Amount : Over {$30000.00} in fraudulent digital transactions. 
- Action Taken : From XXXXXXXX XXXX XXXX XXXX opened multiple fraud claims regarding digital transactions totaling over {$30000.00}. These claims were ultimately denied, with Wells Fargo stating that I allegedly had the card in my possession and that the transactions fell within my normal spending patterns. However, the fraudulent transactions were digital, and I reported them to Wells Fargo when they occurred. The debit cards were deactivated, and I was issued new cards. I made minimal to no transactions on my debit cards. Despite reporting these issues, I still have not been reimbursed for the fraudulent charges. 

Inadequate Response and Customer Service - Date of Wells Fargo 's Communication : XX/XX/XXXXXXXX XXXX XXXX XXXX Summary : The investigation and communication from Wells Fargo regarding these claims have been disappointing. I have consistently expressed my dissatisfaction due to their failure to adequately address the specific fraudulent activity I reported. In their letter dated XX/XX/XXXXXXXX XXXX XXXX  Wells Fargo stated they would close my cases without addressing my claims for monetary compensation. Furthermore, I have not received a satisfactory explanation for the unlawful denials of my fraud claims. 

Request for Action : Given the lack of satisfactory resolution, I hereby request that the Consumer Financial Protection Bureau ( CFPB ) conduct an investigation into Wells Fargo 's claims handling processes and their customer service practices. I believe their responses to my claims do not comply with consumer protection regulations and fail to provide adequate justification for the denial of my claims concerning unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 Discrepancy : Transunion refuses to remove inaccurate Inquiries. 
Actions Taken : Called Transunion @ XXXX ( XXXX ) XXXX I reviewed my credit report and saw inaccurate information listed. I contacted Transunion at the number listed above and spoke with XXXX via Text Message. I told him I had 4 inquiries that were not authorized. He refused to remove inaccurate reports from my credit file and he gave me false information. That I could only remove inquiries if I get a letter from said company to dispute those inquiries on my behalf. This information he gave me is incorrect according to the Fair Credit Reporting Act. I don't need to track down an unknown third party to get incorrect items removed from my credit file. This would complete defeat the purpose of any disputing policies.
Product: Student loan

After my last compliant with Navient not applying my full payment I now see that they have added a late fee to the Consolidation Loan which is NOT  Late. You will see  from the documents that the payments are do for the smaller loans on the  XXXX  and the Larger Consolidation Loan on the  XXXX .     We as you see from my attached statements that the online system is showing a late fee of {$38.00} for my Consolidation  Loan  is being added even though you can see all my payments were are on time. After my forbearance my first payment of  XXXX  was due o n  X/XX/17     which I paid in full ( the payment include a number of fee which they did not want to properly note on my account ). Now I see that they have added a {$38.00} fee to my  may  bill for the Consolidation Loan account even though I paid the bill on    XXXX   XXXX    in full for the mount of {$690.00}, the other  XXXX  was paid to the other loans that was due on    XXXX   XXXX   XXXX     .     Why does  XXXX  continue not to process payments properly?
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CB INDIGO, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes ( RSMo ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices. 

It has unequivocally come to my attention that CB INDIGO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri law, specifically under RSMo Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, RSMo Section 407.020 prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent.

I assert with unwavering certainty that I have not provided consent for CB INDIGO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws.

I demand, with the utmost certainty, that CB INDIGO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and RSMo Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CB INDIGO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

Previously approved for charges and sent a notice of denial and requested to re open on XXXXXXXX XXXX XXXX XXXXXX/XX/2002 yet no response yet
Product: Credit card

I received an letter from XXXX, operated by Citi bank, that a card was opened under my information on XX/XX/XXXX. When I received the letter I called and reported it as fraudulent on XX/XX/XXXX. I froze my identity through XXXX on XX/XX/XXXX. I then received a notice stated that they are holding me accountable for this and that it was not fraudulent. I am unaware of the balance, I have not created an online account associating myself to this card since I did not open this account. I also had an XXXX account opened on this same day and went through this process, I have not heard back from them yet. I sent a certified letter to request proof, on XX/XX/XXXX with delivery on XX/XX/XXXX, and have not heard back from them. My credit score has dropped because of this and the constant harassments of calls, emails and letters is affecting my mental health and wellbeing. The XXXX card opened does not even have my name spelled correctly. I was on an airplane the day the card was opened. I need support on how to move forward to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date- XX/XX/XXXX XXXX XXXX auto finance P.O. Box XXXX XXXX, tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX Jpmcb card XXXX XXXX XXXX XXXX , de 19850 XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit scorXXXX. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

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

I had my identity stolen twice in 2018 which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX & XXXX... calls to XXXX that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Product: Credit reporting or other personal consumer reports

Looking at my consumer report I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late.
Product: Debt collection

OnXX/XX/2023 I received a letter in the mail from XXXX XXXX XXXX which is a debt collection agency stating that I owe a debt as of XX/XX/XXXX. They are trying to collect a debt that I owe to XXXX XXXX XXXX. in the amount of {$2400.00}. I never in my lifetime taken out a loan for college or mortgage in which I'm not a home owner or a college student. Also, I never opened an account with XXXX or any of its affiliates!
Product: Debt collection

someone used all my information two purchase two XXXX XXXX tickets. two tickets in XXXX XXXX XXXX and they are asking to pay back something i never authorized i provided a police report to this company i have provided a notarized affidavit this was identity theft i have provided a identify report, yet they want me to pay for something i never did and they continue to call me and send me letters about debt thats not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit to purchase a vehicle XX/XX/2020. After I purchased the vehicle I received multiple alerts of several finance companies pulling my credit. Then I received multiple letters denying my car loan. I thought only Mercedes Benz pulled my credit. What triggered his complaint is when I applied for an XXXX card today and was denied by XXXX because they said I had too many credit inquiries. This is not fair because I had no control over the Mercedes dealership sending my information to multiple banks. I did in fact get the car loan from XXXX XXXX and that is the only inquiry that should stand on my credit reports. All of the other credit inquiries during that time should be deleted. The multiple credit inquiries negatively impact a consumer 's ability to obtain other credit. I am sure XXXX would like to have a new Customer that pays on time, credit score of XXXX and income over {$100000.00} per year. This hurts new companies from gaining new customers. This hurts consumers by getting denied credit based upon something that we have no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I submitted a complaint two or three weeks ago that does not appear. I suspect it was not filed. Fifth Third Bank violated my privacy and went against their own privacy policy when showing someone else the details of my personal checking account. Since all the accounts are closed, I have asked for statements for all accounts, open to close and keep getting stonewalled. I expect them to send me ALL ACCOUNT STATEMENTS INCLUDING MORTGAGE FROM OPEN TO CLOSE.
Product: Credit reporting or other personal consumer reports

Good morning, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things still on my credit that are incomplete and not accurate. I received a letter from the creditor with an inaccurate balance, and they did not do the proper investigation, I would like this account removed or deleted, because its hurting my credit score & ability to get credit, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX  ) Ive made eight consecutive payments on this account. The balance shown is incorrect. Please update correct balance on credit report on XXXX and Trans Union.
Product: Money transfer, virtual currency, or money service

I got scammed on XXXX, i wanted to buy a part for my vehicle, i sent the money to the scammer on XX/XX/2022, the amount in total was {$450.00}, the scammer contacted me again today XX/XX/2022 saying they needed additional {$300.00} to send my package because it was on hold and i had to pay an insurance fee before they ship it out, scammer previously said the flate rate was XXXX for shipping. Seeing that it was a scam i called my bank and then XXXX, bank said since i " authorized '' the payment that i wasnt able to get my money back. My issue with this is that a bank is using a very unsafe service provided in the banking app and then not reversing the transaction when its clearly fraud. Not only that the XXXX part of chase didnt help me out. The scammer then blocked me after i posted the warning of his scam in the car group. All i want is my XXXX dollars back, I'm living paycheck to paycheck and the bank did not want to help me out, all they said was I'm sorry have a good day, which is like rubbing salt in the wound. I needed that part to fix my car so i could go to work and explained if anything was possible for it to be reversed since it still shows as pending on my account.
Product: Mortgage

on XXXX XXXX, 2015 my husband and me made a offer to buy a house with Wells Fargo, the bank pre-aprove the purchase and my real state agent and the sell agent started puting all together. the purchase should be done by XXXX/XXXX/15. everythis was ok. I always need to called the wells fargo agent to make sure he has all the documentes from me. XXXX XXXX XXXX ( wells Fargo agent called me in to the bank XXXX to sig some paper that he needed, on the day He said that he needed to make a appraisal to the property but I need to pay {$500.00} for this matter. I give him a check the day. on XXXX/XXXX/2015 the appraisal was done I got my copy on the mail and one more XXXX XXXX received. the appraisal has all the information of the property including that it has XXXX units. 
on XXXX/XXXX/2015 XXXX XXXX asked to my purchase agent ( XXXX XXXX ) to request for XXXX extension because the underwriting need more time, the pettion was sended and aproved by the sale agent the same day XXXX/XXXX/2015 ; on XXXX/XXXX/2015 XXXX XXXX ( wells Fargo agent ) called me to let me know that the underwrither did n't aprove the loan because the propery has XXXX units and that the bank would aprove just XXXX house. 
I know XXXX XXXX is laying because when I was looking for my house I asked him if the bank would aprove more that XXXX unit, he responded that I could buy up to XXXX unit no more ; I always told him and also my purchase agent always told him that the house has to unit, this information is on the appraisal papers. 
I told him that but this was his excuse. I asked XXXX XXXX for the refund of my {$500.00} that I payed for the Appraisal, he said that he needs to send some documents before so the bank can refund the money to me but is been more that one month and he does n't resond my e-mail or call, he also request a second inspection for the roof with a 2 years waranty certificate, I had to pay {$250.00} for this inspection because the underwrither needed it to aprove the loan
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.