23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

To Wells Fargo XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX compromised and closed. 
XXXX XXXX XXXXXXXX Fraud Loss Case Claim # XXXX Case # provided by XXXX XXXX To whom it may concern, We received notification that we are unable to reimburse you and have closed your claim via letter on XX/XX/XXXX. 
We respectfully request that the claim for reimbursement of the loss of {$23000.00} be re-opened for the following reasons : 1. We have been set up with 2 factor verification for our Wells Accounts since XX/XX/XXXX XXXX ; this was done to secure our Wells Bank accounts, which had been compromised at that time. 
a. At no time did we receive nor provide the verification code to the third parties who orchestrated the illegal wire transfer. 
b. Furthermore, we did not provide our Account # XXXX, routing numbers, nor Username and passwords to access our Accounts, to any third parties. 
XXXX. Upon reporting the matter to your fraud agent on XX/XX/XXXX ( XXXX ) and in multiple subsequent conversations we are assured that that loss associated with this account would be reimbursed ; however, we were advised upon reporting the matter to your Fraud agents, that all other accounts should they be comprised in the future, would be our responsibility.

a. In our calls to Wells fraud agents to XXXX on XX/XX/XXXX, and to XXXX XX/XX/XXXX ( XXXX and XXXX XXXX we were assured the claim was being processed and would take XXXX days. 
b. At no time were we informed that we would not be reimbursed for the loss nor did any of the agents refer to any policy that would preclude the reimbursement. 
XXXX. In speaking with our Banker ( XXXX XXXX ) on XXXX XXXX we learned that despite our call to Wells Fargo XXXX XX/XX/XXXX to report this matter, your records indicate that the transfer did not complete until XX/XX/XXXX. 
XXXX. This theft was reported to XXXX XXXX Police, and they have opened an investigation into this theft. 
Please confirm that the case is re-opened for your review and resolution. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX on or around the time I contracted XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with 2 different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the worldwide Covid pandemic. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Checking or savings account

Used coupon code when opening account. XXXX XXXX XXXX XXXX Terms : For new Chase savings customers : Open a new Chase SavingsSM XXXX, deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. 

No bonus paid as of XX/XX/24. Called today and transferred to XXXX different departments. Told me to generate a new code but instructions given did not work. They apologized but could not help unless I generated a new code
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Ive spoke to multiple representatives ( continental finance ) from XX/XX/2024 and sent multiple emails to the email address that they provided to no avail its been over one month and they are depriving me of my money. {$89.00} Ive requested such sum to no avail.
Product: Credit card or prepaid card

I noticed on my credit report that someone has tried to open an account in my name multiple times. 

COMENITYCAPITALXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX  Inquired on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally report the ongoing challenges I have faced due to my information being part of the Equifax data breach. This breach has had a significant and lasting impact on my life, creating substantial difficulties in my ability to obtain credit and manage my financial well-being. 

Since the breach, I have encountered numerous issues, including increased scrutiny and delays when applying for credit, inaccurate credit reporting, and the need for constant monitoring to safeguard my identity. These complications have placed an undue burden on my lifestyle, limiting my access to essential financial resources and opportunities. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and provide any available assistance to address the challenges stemming from this breach. It is my hope that measures can be taken to ensure my financial stability and mitigate the negative effects on my credit profile. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

For over two years I have requested documentation on the number of foreclosures, census tracts and value of the homes at the time of foreclosure. Wells Fargo has not responded to my request. On the day of my foreclosure sale, I provided documentation that that were funds available to reinstate the loan. This was the exact information that I had provided 30 days prior. I was attempting to get a modification which was denied because utility bill which was mailed to my post office box was not mailed to the house address. Although the bill had the service address noted. This was unacceptable to me because in a previous modification this documentation had been accepted. I believe my case on e on my any in which Wells Fargo was attempted to clear and clean its books of low preforming mortgage loans in low to moderate income areas by shifting them to a another sister organization owned by Wells Fargo once they were foreclosed.
Product: Debt collection

Have sent letters to collection company that this is not my account. Have asked them to send me copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.
Product: Debt collection

Re : Account # XXXX Dear Ability Recovery Services OnXX/XX/2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX, verification requires all of the following : 1 ) Proof of my agreement to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor ; 3 ) A breakdown of the total amount due, showing principal, interest, and other charges ; and 4 ) For all other charges, the date of and the basis for each charge.

I dispute this collection because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, I have disputed this account with you numerous times and its still reporting on my credit report XXXX  and XXXX. 

Ability said that they deleted the collection but after waiting more than 14 days this collection is still reporting. That is a violation. I will have no choice but to report your company to the FTC if this collection isnt deleted off XXXX and XXXX in 30 days. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section 5-77 ) require that you honor this request. 

Sincerely, XXXX XXXX XXXX Cc : Ability Recovery Services Federal Trade Commission Consumer Response Center XXXX XXXX XXXX Department of Community Affairs
Product: Debt collection

I have sent letters via certified mail to XXXX and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( XXXX ) Additionally, both companies are double reporting on my Credit Report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anything
I am attaching a list of companys that hit my credit some even hit twice in 1 day
I am looking for the prove where I gave them permission to run my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

They repeatedly call numbers that are not associated with myself and disturb ill people. It is unprofessional and disrespectful. IT NEEDS TO STOP. THEY WILL BE HELD RESPONSIBLE FOR ANY FURTHER DISTURBANCE OF THE ILL PEOPLE. When I call back they put me on hold and then the line gets disconnected. After calling numerous times I am able to reach someone and ask them to stop calling because they are disturbing ill people. Even after asking them to STOP, they still call. I do n't even know who National Credit Adjusters are and how they got the numbers they are calling and what they want!
Product: Debt collection

i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , incXXXX, I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.
Product: Debt collection

This company has sent documents as a CERTIFIED DOCUMENTS ADDRESSED in MY SON 'S NAME! I believe it is a time-barred debt. The debt was filed on XX/XX/XXXX, the judgement date is XX/XX/XXXX. This debt originated when I used to live in XXXX ( which was years ago ). The issue I have is that my son 's name was typed on a sticker and pasted over my name. My son is only XXXX years old. My check was being garnished. I believe that is part of a step to try to resolve the issue. Also, I do believe about two years ago a statute was passed that debt collectors could not garnish your pay if you lived in certain counties in XXXX. XXXX County being one of them. My concern is that is this even legal?
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

ACCOUNT DATE XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX, my Santander credit card was compromised and there were unauthorized charges made on the account On XX/XX/XXXX, I noticed that my balance on my checking account was much lower than I had recorded. I reviewed my recent transactions online, and saw there were two checks totaling {$10000.00} that I did not issue that were processed on XX/XX/XXXX and XX/XX/XXXX. Considering I have never ordered checks for this account, how could checks have even been approved for payment? I IMMEDIATELY contacted your branch and the account, The branch associate froze the account that was compromised and opened a new checking account on XX/XX/year>. 

Subsequently, I received correspondence from Santander dated XX/XX/XXXX, that the address on my account had been changed, which I did not initiate, nor have I moved. 

Their Centralized Claims division investigated the issue and found that a person in Indiana had obtained my account number and then produced fake copies of checks with your bank 's routing information on them, and subsequently cashed them at an ATM in Minnesota. 

The investigation also discovered that a check on XX/XX/XXXX and one on XX/XX/XXXX for {$1000.00} each had been cashed.. 

Today, I received notifications that the two checks in XXXX are not going to be covered by Santander because I did not notify the bank of the XX/XX/XXXX check until XX/XX/XXXX. I also received another notification that {$1000.00} for the check written in XXXX had been credited back to my account. I COMPLETELY do not understand how you can credit the one in XXXX and not credit the ones in XXXX, based on that criteria??? Additionally, I filed the claim based on the checks written in XXXX ; at the time I was not aware of the checks that had been written in XXXX or XXXX.
Product: Debt collection

This item was taken off my credit months ago and now was put on my report again by Transworld Systems/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , Equifax and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX  XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with 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 from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Product: Credit reporting or other personal consumer reports

Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, Experian, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under XXXX5 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information TARGET/TD Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$75.00} 2. XXXX XXXX XXXX XXXX 
Account Number : XXXX Bal : {$930.00} 3. XXXX XXXX Account Number : XXXX Bal : {$1300.00} 4. XXXX Account Number : XXXX Bal : {$0.00} 5. XXXX Account Number : XXXX Bal : {$0.00}
Product: Student loan

They have yet to settle an issue related to how many qualifying payments I have made under Public Service Loan Forgiveness. I have called repeatedly for over a year and there has been no progress.