23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and unverified negative and collection accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts as they are incorrect, invalid, and harming my creditworthiness. Furthermore, these accounts include non-public information that I never authorized to be shared, and the inconsistency in reporting across the three credit bureaus raises serious concerns about their accuracy and legitimacy.
Product: Checking or savings account

On XX/XX/2023 I was sent a fraudulent wire From XXXX XXXX to my Chase bank account. 
It was detected as a fraud by chase bank, and they asked me if they could debit my account for the money Pending their investigation, I said okay. 

On XX/XX/2023, they debited my account for {$17000.00}. 

My previous balance in that account was {$48000.00}, Which made my balance {$30000.00} after the withdrawal from XXXX XXXX 

They sent me a check for {$13000.00}, but now they are holding the remaining {$17000.00} for over a year with no results. 

For the last year I've called at least once a week to try to get any kind of results why they holding my money, all they say they can send a priority e-mail to the money movement team because there is no number that I can call. 

This is been done at least 15 times, every time I call when I check with them they said they have no answer from the money movement team, or the closing team. 

They don't what the answer is. Two weeks ago I went down to the bank manager and had him send a letter off to the to the main person in charge of accounts. 

That supervisor e-mailed back and said they had tried to contact XXXX XXXX but they want talk to them for some reason, which is ridiculous because banks talk to each other all the time. That supervisor told my Manager to have ME call XXXX XXXX  and get an " indemnification '' letter proving that XXXX XXXX got the money Before chase bank could release my funds. 

I called XXXX XXXX  and they told me the Chase is Giving me the run around because they can't give me an indemnification letter, because they don't do that. The wire department person even asked " why isn't Chase handling this for you? " Why are they leaving it up to you to do this? '' they told me they can't give me any information or any kind of letter because I don't have an account with them. 

I've told this MANY times to chase bank and they keep telling me I have to have this letter in order for them to release my funds. 

XXXX XXXX  says there is no such thing as that letter and they could not give it to me anyway because I'm not a member at their bank even though I have a complete Copy of the fraudulent wire that was sent to my bank. 

Enclosed are the documents that I have to prove this case! 

This has been going on over a year now and chase bank just wants to wash their hands of me with no results!
Product: Checking or savings account

I had got notification that a td beyond checking account was opened in my name on XX/XX/. I never went in or asked anyone to open an account in my name. I was calling the given number to get this issue corrected. Only thing I got was automated voice. Today I decided to go to any Td bank to find out what was going on. First I went to the TD bank in XXXX XXXXXXXX. I ask the service guy about the account and that I did not open one up. I then showed my id and social and asked him could he give me a printout. When I received the printout it had an outdated address. He refered me to one of the managers, I talked to him for awhile. He told me where the account was opened up at. I was told the TD bank on XXXX XXXX in XXXX XXXX. I asked him should I go talk to them. Hw said yes, he gave me the address. I went to the XXXX XXXX branch location calm and collected. Since I walked through the door I was treated like I wasn't welcomed. The young lady ask me what I was there for, I told her I was there because it was fraudulent activity on a account with my name on it that I never physically open up. The young lady had I guess an attitude she said I would have to go to the police station and file a report, which I did. The officer gave me a card with a case number on it. He told me to tell the bank to call him, it would be handled. I drove back to the bank location and handed the young lady the card after waiting for 25 minutes while both bank teller was talking to a customer about football. Notice I am a minority, was or did I feel discrimination existed? Of course but that is besides the point. I asked the lady numerous times could I get a printout of transactions, she gave me the runaround with tons of excuses. I left got home and called the Branch Manager, which got even more awkward. He act like he didn't care. I told him I went to the station. I was trying to see who open these accounts and how could someone come in their branch with my identity, even though I did have my id, and social security card stolen a while back during an home invasion it's all documented and reported. How can someone open an account who does NOT!!! LOOK LIKE ME? I tried to reason with these people but they act like they are hiding something or getting high. I want to know exactly who open the account in my name and I would definitely like to pursue charges. They branch manager lied and said a family member opened up an account in my name. Why would he say that? Why they been didn't say anything. Also if that was the case which it isn't. Why would they let anyone open an account in person without me? Sounds suspicious. He was like the account closed, that's not good enough I want to know who is opening accounts in my name and why
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Raporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 lo prvacy.

and according lD 15 USC 1681eb thay are supposed 1o ansure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy af the information concering the individual about whom the report relales.

15 U.S.C 1681c. ( a ) ( 5 ) Section Stales : no A consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my XXXX credit report and noticed that on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX has a medical debt that is affecting my credit score. I read that CFPB had a rule that medical debt couldnt show on your credit report, but they refuse to take it off. I have disputed the account twice with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion In accordance with the Fair Credit Reporting act ( XXXX XXXX account XXXX, XXXX XXXX account XXXXXXXX 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. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX  XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account 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. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX ), has violated my rights. 
1

5 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, credit repair services, or other personal consumer reports

I have a current auto loan with XXXX XXXX XXXX. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and XXXX offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute XXXX would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit report with Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Experian any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate data information
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

On XX/XX/2021, I applied for an extension of credit, and I never benefitted from this transaction. I would just like to know what happened to my extension of credit, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XACTUS-CP on behalf of XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Product: Debt collection

TO WHO

M IT MAY CONCERN : 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 the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as so
on as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a monthly {$19.00} credit check service via TransUnion on XX/XX/XXXX, and canceled the subscription service exactly one week later via their website, which confirmed my account was closed. Subsequent to this, I was charged in XXXX, XXXX and XXXX for an ongoing monthly subscription. I have called TransUnion to dispute this and was told that " I did not successfully finish the process of unsubscribing on their website. '' I told them that I had unsubscribed already and certainly wanted to unsubscribe again, effective immediately. Even at this stage, they suggested I use the website to unsubscribe. When I told them that my login no longer worked, since my account no longer existed, they asked if I was sure that I wanted to unsubscribe and made me confirm this multiple times. This is a scam and it should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 use 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USX 1681 s-2 A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Checking or savings account

I received XXXX letters on XX/XX/2023 from Wells Fargo Customer Care. The letters stated that I had been improperly enrolled in two programs without my knowledge or consent. The products were " Wells Fargo Identity Theft Protection '' program and the other was their " Credit Defense Product '' ( They had been ordered by you CFPB and they agreed to pay consumers as part of a plea deal ). I called the telephone number in the letters ( XXXX ). Their representative told me advised me the money that would be paid to me was {$500.00} dollars ( $ XXXX ). They advised me the money would shortly be forthcoming. After waiting XXXX weeks I called back on XX/XX/XXXX and was advised the checks would be received in 30 days from my initial call on XX/XX/XXXX. The checks didn't come and I called again on XX/XX/XXXX and they said their was a XXXX backup. I called again today and they said they could not specify when and transferred me to another Wells Fargo " Executive Office '' telephone number. I spoke to a representative named " XXXX '' who refused to give me her full name from the " Customer Care Executive Office. '' She advised me that the checks would not be made available until sometime in XXXX... probably. I feel that once Wells Fargo is again engaging in unscrupulous refusal to pay an agreed upon debt that they owe.
Product: Credit card

Since XX/XX/XXXX I have informed Navy Federal that my credit accounts were compromised and my cards and banking info had been stolen and used to make fraudulent purchases. I was told time and time again that this was not true. I was called a liar. My accounts credit and checking accounts were suspended and ultimately put in collections. They shut my access to everything and basically didnt even try to help or even treat me like a consumer. I was called a liar and even when I made XXXX FTC complaints and several complaints with CFPB previously they never made an effort to hear me out. I made Police Reports XXXX of them since XXXX and even sent emails talked to their retention department and fraud department all only to be ignored and theyve even hinted at me somehow being responsible. Well on XX/XX/XXXX I received a message from Navy Federal informing me that the XXXX credit Card I had was found in the possession of someone who was in their custody and they gave me the police department number and a case number so I could talk to them. Police have updated my report and they will be sending it to the States Attorney here in XXXX for prosecution if the individual has indeed stolen and used my card information and still had it 2 years from the date it was reported stolen. I have made so many complaints and yet even still Navy Federal when faced with the truth has no accountability or integrity at all to do what is right to correct their mistake and apologize to me as well as reimburse me for what they called me a liar for. My credit still has not been informed so that they can update my file. This has been 2 years of complete neglect, incompetence, and disgusting behavior from an institution who refuses to acknowledge poor customer service and they continue to treat me and Im sure others this way. Its a shame that a lot of Veterans and their families are subject to this unbelievably horrid service and lack of decent and respect.
Product: Debt collection

I, XXXX XXXX didnt consent to anyone or give authorization to this debt. 

This letter is to inform your company that I want to dispute the following item below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Debt collection

I have been contacted by a debt collector Synergetic Communication , Inc. trying to XXXX XXXX XXXX # XXXX XXXX, TX XXXX collect an alleged debt of {$2600.00} for their acct # XXXX and offering a settlement offer of {$660.00}. Additionally, the debt collector is saying that due to the age of the debt their client will not sue.
Product: Debt collection

I have been getting repeated calls from callers saying they are with XXXX XXXX for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from XXXX XXXX. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my Great Lakes account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent XXXX a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
Product: Debt collection

A few years back, I ordered my credit report and noticed a collections. I disputed with XXXX XXXX XXXX/debt collector and advised this was not my account. I was advised that the account was in XXXX name. Well, I have never heard of nor used a fraudulent name. I asked them to provide me with verification of the negative item. Nothing was provided so they removed it from my credit. 
Fast forward to XX/XX/2021. I got a credit alert advising a collections has been added by IC System. Since I am a victim of identity theft and have taken necessary steps to protect my credit along with filing a police report in the past, XXXX XXXX XXXX was unable to provide accurate information. Unfortunately, I am having to dispute this again which is causing unnecessary XXXX  and time. I don't understand how XXXX XXXX XXXX would sell a fraudulent account.. I am requesting a copy of the original contract between myself and the original creditor and original application with my signature.
Product: Mortgage

This whole issue started in XXXX. I was on a modified repayment plan requiring me to pay a month 's missed payment over the period of three months with the increased payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - these payment due dates explicitly give you through the end of the month to submit your payment. I made the XXXX payment no issues. I scheduled the XXXX payment for XX/XX/XXXX. When the money was finally pulled from my count, my account had an insufficient balance so the payment was not made. I scheduled another payment for my XXXX payment to withdraw on XX/XX/XXXX. Mr. Cooper denies that they ever withdrew the XX/XX/XXXX payment from my account - in spite of bank statements, and confirmation by bank employees that the withdrawal was made in the same fashion the previous 4 months ' had been taken. After over a month of Mr. Cooper denying that I'd made my payment, I disputed the ACH transaction through my bank to have the money returned to me. I made a mortgage payment on XX/XX/XXXX. I paid the balance that was due on my account - in fact, Mr. Cooper 's website does not allow partial payments even if you were to want to make one. Based on the language on my account, my account was current with a normal payment of {$1000.00} due XX/XX/XXXX. As of XX/XX/XXXX my account reflected I was current. Then on XX/XX/XXXX I received a letter than my account was past due and that I had " unapplied funds '' and that I now have a payment of {$2300.00} that is past due from XX/XX/XXXX. 

Mr. Cooper can not explain to me where my XX/XX/XXXX payment has gone, it is not properly crediting my account to reflect that they collected a payment from me on XX/XX/XXXX and I am out of options because of their utter incompetency.
Product: Checking or savings account

Good afternoon CFPB : I need to filing a complaint with the CHASE Bank. Since they blocked my bank accounts. Without giving me a term to extract my money from them. 

Although I was always communicating with them. After the blocking of my account on XX/XX/XXXX, I have been calling every two weeks to find out the status of my funds, since they indicated that they would write me a check for the total amount that my account had at the time of closing. 

XXXX months have passed and they still tell me that my account is under investigation and my money is still being held. This money is the product of my work, and it has prevented me from replenishing my inventory of cleaning products, which is a family business I started during the pandemic. 

The amount in the account is {$56.00} Ive attached the letters received by the bank. 

I remain attentive to any other request for documents.