23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo deposited and cashed a XXXX party check without having the required XXXX signatures. Outcome to XXXX XXXX, 2016 letter from Wells Fargo Original compliant XXXX. 
XXXX XXXX, 2016 Subject : original CFPB XXXX XXXX XXXX XXXX since your last correspondence date XXXX XXXX, 2016, I have followed up with XXXX regarding the breach check on XXXX XXXX, 2016. As of XXXX XXXX, 2016 XXXX informed me that Wells Fargo has requested additional documents, I have included Citibank 's correspondence. A S Home Improvement is Wells Fargo client. I have not had any contact with A S Home Improvement since Wells Fargo deposited and cashed the check without the required signature from A S Home Improvement on the XXXX party check. This account and video has been subpoena by XXXX. Contact XXXX XXXX XXXX regarding the police report and warrant. 
Although you have stated Wells Fargo corresponds directly with XXXX, XXXX suggest that I correspond with Wells Fargo. It appears to become a XXXX game that I can not entertain. Wells Fargo gave the funds away without following Banking Regulations. I am the victim of this crime. The request for me to get an affidavit from your client, who has vanished, is absurd. Wells Fargo is liable because banking protocol was not followed. Therefore, the breach check needs to be replaced in full and sent to XXXX. More than enough time has passed to resolve this issue. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX {$640.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Professional Credit Management did not provide adequate verification of debt in question. No documents were provided showing a signature or contract.
Product: Debt collection

I was XXXX  in XXXX  XXXX from XXXX. While in custody a family member had access to my personal information and used it to secure utilities and other credit accounts without my knowledge or consent. I was not aware of the orgin of this account and I am the victim of identity theft, I was in no way associated with this company.
Product: Debt collection

repeated phone calls on sunday. late in the evening. i always tried to make arrangements for payment and i was told it was not acceptable and i had to come up wiyh more money than i had.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 1681c. ( a ) ( 5 ) Section States : no 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/XXXX, MOHELA received a payment of over {$12000.00} towards my federal student loan and cashed the check on XX/XX/XXXX. I have reached out to them for nearly three months to update my account balance. Every time I call them they tell me it will take 1-5 business days. However, they have yet to update my account and now tell me that they do not know when they will be able to do so. Currently, my inbox messages to them have gone on answered for over a month now. I sent them a copy of the check that they received and endorsed as proof of payment. At present, I think MOHELA has stolen {$12000.00} from me because they cashed my check and refuse to update my account balance. 
Another concern is that I am a recipient of the competitive US National Institutes of Health Loan Repayment Program which is aimed at recruiting and retaining highly qualified XXXX XXXX XXXX XXXX XXXX careers. In exchange for my commitment to leading impactful XXXX research, the National Institutes of Health agrees to pay part of my loan ( XXXX XXXX XXXX.nih.gov/ ). However, because MOHELA has refused to acknowledge payment or update my account ( varies based on who I speak with in customer service ), I am unable to provide an updated account balance. I was recently notified that If I do not provide a updated account balance I will be removed from the Loan Repayment Program. MOHELAs poor handling of student loans are harmful to those impacted that are part of this program and dedicated their life to advancing the XXXX of the U.S population.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or details if need to resolve this matter promptly. Thank you for your attention to this issue.
Product: Other financial service

Between XXXX and XXXX I had my identity comprimised and someone charged my credit cards from the google play store ... over 50 times between this time period. I have for 2 YEARS CALLING TALKING TO SUPERVISOR AFTER SUPERVISOR AFTER SUPERVISOR TRYING TO GET MY REFUND. I 've been hung up on, I 've been left hanging for months ... I have had no resolution. This has caused me financial burden and stress ... and I 'm tired .... so tired of dealing with Google ... I need your help and would like to be compensated for all the pain and suffering ... I do have full documentation of this via emails ...
Product: Debt collection

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, transunion and XXXX credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : LOANME INC XXXX Date Opened : XX/XX/20 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the middle of trying to refinance my home when I saw a bankruptcy was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, as of XX/XX/XXXXXXXX  has been reported as charged off/never late with XXXX ( XXXX ) separate dates. Charge offs were dated for both XX/XX/XXXX as well as XX/XX/XXXX in the various amounts of {$5900.00}, {$6500.00}, and {$7600.00} labeled as Profit and Loss Write Off. 

XXXX XXXX, as of XX/XX/XXXX has been reported as Paid / Closed on XX/XX/XXXX. 

XXXX XXXX has been reported as of XX/XX/XXXX Closed/ Charged Off on XX/XX/XXXX in the amounts of {$5100.00}, {$6700.00}, and {$7300.00}. 

XXXX XXXX has been reported as of XX/XX/XXXX as Charged Off in the amount of {$1100.00}. 

XXXX XXXX XXXX has been reported as of XX/XX/XXXX as being reported for no amount shown, sold to Collections. 

XXXX XXXX has been reported as Paid / Closed as of XX/XX/XXXX XXXX XXXX  acct beginning in XXXX has been reported as of XX/XX/XXXX as Paid /Closed XXXX XXXX XXXX XXXX XXXX XXXX has been reported as Sold to Collections XXXX XXXX  has been reported closed as of XX/XX/XXXX as the age of the account has also been reported as account age XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX  years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in USA next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle XXXX I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT
Product: Credit card

I opened a Macy 's card in XXXX of 2013. I went in to pay my bill in the store. I told the clerk I wanted to pay my outstanding balance. He instead charged me for the minimum payment. Then Macy 's hit me with a couple of late charges, which after many hours spent contacting people at the Macy 's CC center, I finally spoke with a manager high enough up that was able to help me, and agreed that Macy 's wrongfully reported all lates and would have them completely removed. However, the lates were not fully removed from all XXXX credit bureau 's. Still, to this day, XXXX shows a 30 day late on that card. It has continued to affect my credit, ability to purchase, and get new credit.
Product: Credit reporting or other personal consumer reports

I have been disputing this debt with XXXX XXXX for years. The negative item is reporting on my credit report ( XXXX ) impacting my credit. XXXX XXXX sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Product: Checking or savings account

There is a discrepancy with the fees that are charged for mobile check deposits by Regions Bank. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$16.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$550.00} ( requested immediate availability ) and was charged {$5.00}. 

Regions Mobile App reads " Available immediately - 1-4 % of the amount of each check, depending on check type and amount ( {$5.00} minimum fee applies ). 

The check type **PAYROLL qualifies for the 1 % Fee or {$5.00} ( whichever is greater ). For the past 32 months ( approximately ) I have deposited the same payroll check into my bank account weekly and have been assessed charges from {$12.00} - {$18.00}.
Product: Credit reporting or other personal consumer reports

I sent a letter to Trans Union and XXXX back on XX/XX/2023 to remove the account with XXXX XXXX XXXX XXXX from my account if they could not provide validation of the account ( contract with my wet ink signature on it ). They never responded to me. There is a social security number showing on my credit file ending in XXXX that does not belong to me. It is obvious that you guys have me mixed up with someone else with a name similar to mines.
Product: Checking or savings account

Normally my direct deposit is deposited on XXXX  night here it is XXXX. All we are being told as customers is that there is a tech outage and that they are working on it with no XXXX as to when our paychecks will be available in our accounts. This is affecting thousands of capital One customers right now most of us live paycheck to paycheck and depend on these transactions to go through to pay our bills and medication, they are not giving us any answers or any real XXXX or even a real description of what the problem is or what occurred just that there was a problem with their third-party vendor and they are working on it even when you call their customer service You can not get an answer
Product: Mortgage

DECEPTIVE LOAN ADS On XX/XX/2021, I called Intelligent Mortgage and Consulting Services LLC, of XXXX XXXX, Louisiana to inquire regarding their 1.99 % /2.25 % APR refinance offer I received in the mail. 

A XXXX XXXX answered the phone. I explained I was interested in their offer. After a couple of questions, she then explained to me I would have to pay THOUSANDS out of my pocket to bring down the current market rate to their offered rate of 1.99 %. 

I dont understand how mortgage companies can legally get away with mailing out false VA loan offers.
Product: Checking or savings account

Some changes have occurred since my last complaint. I received a letter from Wells Fargo saying my checking account ending in XXXX, from which all cashier checks originated, was being cancelled on XX/XX/year> because they received 3 fraudulent wire transfers totaling {$11000.00} from the Retired Workers Compensation Board ( RWCB ). My position is clear. Wells Fargo has been negligent in putting fraudulent wire transfers into my account. They should have been pending until verified. I had no way to know that the wire transfers deposited in my account were fraudulent. WELLS FARGO SHOULD HAVE KEPT THE TRANSFERS PENDING UNTIL THEY WERE SURE THAT WIRE TRANSFERS WERE VERIFIED. 

In addition, I have had many complaints against the RWCB that they were stealing my cashier checks. Attached is a list of those checks processed over the last 51 months. Wells Fargo refuses to take any liability for these stolen checks which I believe is their legal responsibility. The cashiers on each check belong to the RWCB. I consider this issue as still open and my account should NOT be cancelled until this is resolved. My resolution is the return of the {$970000.00} to me. 

Thank you for your understanding. 

XXXX XXXX
Product: Debt collection

My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.
Product: Debt collection

I reached out to the collection agency around XX/XX/2018 to validate this debt and to date I have not received any information confirming this is a valid date. Also per insurance records there werent any claims submitted from this company.