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

I have been with Wells Fargo for over XXXX  years, I believe. On XXXX, XXXX, I saw on my phone app that there was about $ XXXX missing from my savings account. I checked my checking account and saw a pending transaction for {$7900.00} that was sent to a XXXX XXXX XXXX XXXX, but only the last XXXX digits of the account could be seen. It also said the funds were being paid through XXXX XXXX. My savings account was missing the almost $ XXXX because my checking account was I fully spent out and the remainder of the funds were taken through overdraft protection from my savings account. have never used XXXX XXXX and I didn't make that transaction. I also don't overdraft my account and would have transferred the funds from my savings to checking to cover a large payment if I had done it. I immediately called Wells Fargo ( it was evening ). They took my information and told me to call back in the morning as XXXX dept. was closed. I called in the morning and they took my information and arranged an appointment for me to go to a branch and close my account and open a new one, which I did. On XX/XX/XXXX, I called the fraud dept. to get an update. They told me they denied my claim because they couldn't prove fraud ; also because I have never shared my login information, they believed I made the transaction. Unbelievable to me - I don't even know where the funds are within the credit union to which my funds were sent electronically by my bank and they won't help me get my own money back.
Product: Credit card

I spoke to Amazon on XX/XX/XXXX and XX/XX/XXXX and they confirmed that they issued a refund for {$960.00} on XX/XX/XXXX. They stated that Chase accepted the funds and there was nothing else Amazon could do. 

I have not received this refund for {$960.00} as of XX/XX/XXXX. I opened 3 disputes with Chase and they have not credited me nor have they responded regarding what happened to my refund from Amazon.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiry mentioned below was the source of the credit inquiry. However, I did not authorize this investigation. As these query is negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

i had lost my social card around 2017 I dont know what happened but a few checking account was opened under my name and now XXXX cant open up an checking account myself
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, XXXX agreed to remove the information on my account. However in XXXX they hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!
Product: Mortgage

XX/XX/XXXX US Bank National correspondence received offering help. 

XX/XX/XXXX Attorney for US Bank pushed Judge for a sale date. 

XX/XX/XXXX, XXXX Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). 

XX/XX/XXXX - A second Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). 

XX/XX/XXXX -Per a US Bank Relations Representative , she sees no documents on file, and all documents needed must be sent to US Bank National by tomorrow, XX/XX/XXXX. 

I ask for a fax number. 

XX/XX/XXXX I fax the Mortgage Assistance Application, Pay stub, all hardship & medical documentation for Loss Mitigation for the Underwriting department ( XXXX pages ). 

XX/XX/XXXX I telephone US Bank National and was told to call back on Thursday - 2 days-to make sure the " Underwriting Department '' had everything they needed. 

XX/XX/XXXX I contact US Bank National and a Customer Relations Representative told me " the Underwriting department will not review the documents when there is a sale date scheduled. '' But they knew this in the days prior when they gave me a fax number and instructed me to call back to check on the documents I faxed.

US Bank National does not want to do a " mortgage modification. '' This is the same thing they did to me from XX/XX/XXXX to XX/XX/XXXX. 

US Bank National strung me along pretending to be " processing a modification application '' but each time I called/emailed to follow-up, there was always some document " missing. '' I never got the modification and US Bank filed a foreclosure action on XX/XX/XXXX. 
US Bank FORCED me into foreclosure.
Product: Credit reporting or other personal consumer reports

Someone Fraudulently applied for a vehicle loan in my name. Ive explained to them that I faced Identity theft and someone has been using my name for the past 4-5 years. I have been trying to get this account removed for the longest, but nothing changed. only XXXX XXXX removed the account. It isn't fair that I am being held liable for debt that was acquired by someone else fraudulently.
Product: Mortgage

On XX/XX/XXXX I received an escrow analysis for my city property tax. The numbers do not match what the city is providing me. I called Mr.cooper and they had told me they do not have my homestead exemption on file and they would need proof. On XX/XX/XXXX I sent them the information for my XXXX property tax from the city. I called them back on XX/XX/XXXX to confirm they had received my emails with the information. I was informed that they are going with their numbers and not what the city is stating. I requested they send me something in writing explaining this, and they refused.
Product: Debt collection

RASH CURTIS & ASSOCIAT Collection account. {$280.00} past due as of XX/XX/2024. 

I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appears to be in violation for 2 reasons. 1 the statue of limiations is expired and number 2 I have no knowledge of this matter never have any child support or any government claim against me.
Product: Money transfer, virtual currency, or money service

MY NAME IS XXXX XXXX. I LIVE IN XXXX XXXX XXXX XXXX NY XXXX. I HAVE USED REMITLY TO SEND MONEY TO XXXX TO MY BROTHER ON XX/XX/2020 FOR THE AMOUNT OF {$1000.00} AND ON THE RECEIPT SAYS THE MONEY WILL BE DEPOSITED TO MY BROTHER ACCOUNT ON XX/XX/XXXX BUT IT DIDN'T. MONEY TRANSFER REFERENCE NUMBER IS " XXXX ''. SO I REACHED OUT TO REMITLY CUSTOMER SERVICE PERSON NAME XXXX XXXX AND HE/SHE SAID TO PROVIDE THEM WITH RECIPIENT BANK STATEMENT SHOWS THE MONEY WASN'T DEPOSITED. REMITLY CUSTOMER SERVICE SAID WITHIN 48 HRS THEY WILL RESOLVE THIS ISSUE. I HAVE PROVIDE THEM WITH THE STATEMENT FROM THE RECIPIENT WHERE IT SHOWS NOTHING WAS DEPOSITED. SO ON XX/XX/2020 I HAVE REACHED OUT TO THEM AGAIN SINCE THEY DID GET BACK TO ME. SO I WAS ADVISED BY THE REPRESENTATIVE I WILL GET THE MONEY BACK TO MY ACCOUNT 7 BUSINESS DAYS. SO I REACHED OUT TO THEM AGAIN AFTER XXXX BUSINESS DAYS ON XX/XX/2020 AND SPOKE TO XXXX XXXX AND TOLD HIM ABOUT SEVEN BUSINESS DAYS AND HE SAID AFTER HE CHECKED AND HE SAID IT WILL TAKE 10 BUSINESS DAYS NOT 7 AND HE ALSO SAID THEY WILL EMAIL REGARDING THIS MATTER WITHIN 2HRS BUT NOTHING HAPPENED. SO I REACHED TO THEM AFTER 10 BUSINESS DAYS STILL NOTHING WAS DONE. NOW THEY ARE SAYING THEIR PARTNER BANK IN XXXX REJECTED THE FUND BUT THEY DID NOT SEND THE FUND BACK TO REMITLY AND THEY ARE WAITING ON THAT. I HAVE BEEN REACHING OUT TO THEM EVERY 2 TO 3 DAYS AND I BEING TOLD THE SAME THING FROM THEM. I FEEL LIKE THEY ARE WASTING TIME DOESN'T WANT TO GIVE ME MY MONEY BACK. PLEASE I REALLY NEED HELP WITH THIS MATTER. IT HAS BEEN MORE THAN A MONTH AND MY ISSUE HAS NOT BEEN RESOLVED BY REMITLY. I DO NOT WANT ANYONE TO TRUST THIS COMPANY BECAUSE MY UNCLE XXXX XXXX HE HAS THE SAME PROBLEM AND HE HAS TO FILE COMPLAIN AGAINST THEM TO GET HIS MONEY. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & TransUnion & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Date of Charge Off : XXXX Amount : [ XXXX ] I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law.
Product: Debt collection

In accordance with the Fair Credit Reporting act, XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to TransUnion. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Chase bank closed my account XX/XX/XXXX, I was a customer with them since XXXX never once had a late payment. There was no reason to have closed my account. I did inquire why they said because my debit to ratio was too high. It was all in one day all my my credit card were closing. In XXXX was in the hospital for three weeks and I also never received a statement from them in XXXX. There was something wrong with my address all my mail was being foward some were. I did let chase know that I file a police report about that. I had to pay for a XXXX XXXX . I did ask them since I was never late before on any of my bills due to the circumstances of me being in the hospital can they wave my XXXX payment not being late and fix it with the credit bureaus. I also file. A dispute with the credit bureau many times as well. In XXXX I paid off the credit card. Chase told me XXXX cant get back the credit I will not be able to. I am one that max out my cards things always come up I am single mom but I make big lump some payments. Chase closed my card for no reason this ruin my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These was not done nor was it approved by me please have them deleted off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX TXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked at XXXXXXXXLexington Law for a few weeks and what I saw was horrible. I've never seen a company take CFPB less serious. I observed numerous things that were down right dishonest. Employees were taught to get sales my any means necessary. In training we listened to a call where a gentleman was calling about his stimulus ( nothing to do with it he company ) and the employee on the phone mislead him by telling him he had to sign up with out service to receive his stimulus. Many of the other calls we listened to were troubling as well. Multiple calls we listened to for training taught us that we should just tell them it's a free trial even though it's not. I also was there 5 weeks and not once did anyone listen to my calls. They don't seem to take quality control seriously and they have a don't ask don't tell policy. I would also like to add that the way the speak about their clients is troubling. They refer to them as XXXX XXXX, and XXXX constantly. I took my issues to HR and was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my Equifax and the financial institution that the fraudulent loan was taken out with. I have provided Equifax with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Equifax is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately. If Equifax continues to do so, I will be forced to consider legal action against Equifax as this information being on my report is a violation of my rights and harming my ability to seek credit.
Product: Debt collection

I and my husband XXXX XXXX are victims of Identity theft. Our information has been stolen and used without permission.