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

On XX/XX/XXXX someone used my phone without my consent and sent them {$2500.00} to themselves. I did not know about this until my bank notified me via email of the purchase ( same day ). I filed a dispute claim through XXXX and through Wells Fargo immediately, as this was an unauthorized transaction. XXXX couldnt do much and told me to go to my bank. ( wells fargo ). 
I filed a claim as fraud/scam or unauthorized transaction ( XXXXXX/XX/XXXX. My bank gave me funds back for duration of investigation. XXXX months later, they told me my claim had no fraud occurred and took the {$2500.00} back. 
I then went to a banker at Wells Fargo and she worked hard to help get my money back this was on XX/XX/XXXX. The bank said they needed XXXX to send them my transaction history ( this was because I said I would never spend that amount on XXXX ). I have reached back out to XXXX XXXX XXXX XXXX XXXX XXXX  and they replied on XXXX XXXX XXXX all they told me was the claim was deemed done by the bank, and that it was up to my bank from here on out and never sent my bank my transaction history that my bank asked me to get. My bank said it had to be directly sent from XXXX and not sent from myself. Now Im stuck without {$2500.00} of hard earned money Ive even tried to talk to my banker again through email who helped me previously and have not heard back. They have refused to give my back my unauthorized transaction which should automatically be covered through the FDIC. This process has been ridiculous especially since Ive been a customer of Wells Fargo for almost 20 years. 
Todays date is XXXX XXXX and still nothing has been done or communicated. Up to now, the latest update I have is Wells Fargo said that my password and email match my XXXX account and thats the only info XXXX sent them. Obviously a scammer would have that info, but in this case my phone was used without my consent or knowledge and sent to a user Ive never sent money to previously, nor added as a friend on XXXX. After my bank asked me to get documents from XXXX, they ( XXXX ) never sent me or the bank anything. Its out of my control for them to send this info to my bank. All they said was talk to your bank and thats the last Ive heard from XXXX. My next step would be to talk to another banker, but that hasnt helped me one bit.
Product: Checking or savings account

I, received a cashiers check from Wells Forgo Home Mortgage dated XX/XX/XXXX in the amount of {$1600.00} when I called to see why I received this check I was told it was do to a Class Action Lawsuit regarding Loan Modifications. At this point I explained the check was made out to XXXXXXXX XXXX XXXX XXXX and I were Divorced 14 years ago I was awarded the house by the court. After several phone calls to Wells Fargo I Finally spoke to a Supervisor a woman that told me to just sign the check and maybe my Bank wouldn't notice that XXXX didn't sign, I told her I wasn't going to do that since its illegal. I was than referred to the Remediation Department and was told they would be able to help me. I spoke with XXXX I explained to him my Issue he said no problem all he needed to do was reissue the Cashiers Check and make it read ( XXXX or XXXX ) Meaning either one of us could sign the check without the others signature well that didn't happen. So from XX/XX/XXXX to XX/XX/XXXX they continue to give me the runaround. the last letter I received was XX/XX/XXXX by XXXX saying they need a waiver of rights from my EX they have accepted my Divorce every time. 
I even ask to to pull the phone conversation where XXXX said all he need to do was say or instead of and. I received a phone call back stating they can't locate the call when they say all calls are recorded I requested a play back of the supervisor telling me to just sign the check, and XXXX saying can just change the check. I can't be the the only divorced person that has a mortgage with Wells Fargo. The person who had my case # XXXX, is XXXX XXXX, Executive Office Case Specialist she said the check will go unclaimed funds so basically I'll never be able to receive the money. at this point I don't, know where XXXX is it was an awful divorce. 
I am attaching documents hopefully you guys will be able to help me. I think they are refusing to payout to keep the money. My account is in good standing with wells Fargo, since this was a Class Action Lawsuit payout I should be able to receive. And the divorce documents as they are written should be considered XXXX waiver please seen the attached documents to support my claim. 
you can contact me at any time my cell. 

Regards,
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX - XXXX
Product: Debt collection

I received countless of harassment letters and phone calls about a debt that is a result of identity fraud. 
The amount of {$670.00} From ConServe- Continental Service Group LLC
Product: Debt collection

To Whom 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT.

NOR THEREFORE ANY SUCH DEBT : The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/year>, was designed to eliminate abusive, deceptive, and unfair debt collection practices. XXXX protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.

According to 15 U.S. Code 1601, the Truth in Lending Act mandates that lenders provide clear and accurate information regarding credit transactions. The information reported on my credit report does not comply with these requirements, as [ explain why the information is inaccurate, e.g., " the account was paid in full '' or " I was not properly notified of the charge-off. '' ] I request that you conduct an investigation into this matter, as required under the Fair Credit Reporting Act ( FCRA ), and provide me with the results of your findings. If the information can not be verified, I ask that it be removed from my credit report. 

Please delete the items as soon as possible. 

Account : XXXX. XXXX XXXX XXXX Account : XXXX Amount : {$2200.00} XXXX XXXX XXXX XXXX XXXX Account : XXXX Amount : {$910.00} XXXX. XXXX XXXX  Account : XXXX Amount : {$32000.00} XXXX. XXXX XXXX XXXX Account : XXXX Amount : {$41000.00} Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, Chase keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and Chase will not give me my thousands of dollars back
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.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 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  and public record XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX WI XXXX XXXX WI XXXX XXXX XXXX info miscellaneous public XXXX XXXX collection account XXXX Account XXXX ... XXXX... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese are all collections
Product: Credit card or prepaid card

Filed for unemployment, never received card. Call repeatedly, never could get through. Went to bank, was told I had to call. I have now finally been able to file a claim but I am not living in XXXX anymore They want me to come I'm and verify with my XXXX ID that I gave to the dmv when I moved.
Product: Debt collection

reached out to creditors protection provided proof insurance was not mine creditor refused to remove from credit bureau Explained that the bill was not mine, and the debt did not belong to me
Product: Mortgage

My mortgage was transferred to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Their ph # XXXX. First I received a letter about the not receiving my payments. My XXXX payment was forwarded from my previous mortgage company to them. They have record of the payment but took forever to post that payment, then thru my bank bill pay I mailed the XXXX payment. Was supposed to be there by XX/XX/XXXX. They kept telling me they didnt received my payment. I finally spoke to rep XXXX who told me to call again XX/XX/25 to allow more time for the check to get there. She also told me she will make sure they post the XXXX check as it wasnt posted yet but she can see I paid it. XX/XX/25 I looked online and XXXX payment wasnt posted. I reached out to out to my bank and put a stop payment on ck # XXXX in the amount XXXX. I then called XXXX and spoke to XXXX ID XXXX. XXXX assure me that he see in the notes that my check got lost and that if they received the check they were NOT going to posted. I even repeated the check number and amount to ensure that was capture on their recorded line. I then went online and paid XXXX payment, To my surprise 2 days later the posted the payment that I was guaranteed they were not going to posted the. Today I spoke to XXXX XXXX who told me they can never stop a a payment from posting. I want to know why XXXX who represents XXXX mortgage gave me deceiving and misleading information. Now XXXX said if they received the payment return they were not be any fees attached to the account. I dont believe anything coming from anyone in this office. I regret my loan was transferred to them. I want a XXXX to call me with an explanation as to why the XXXX violation. Was told can be up to 3 days before someone calls me. My name is XXXX XXXX Ph # XXXX Email on XXXX Mortgage file is XXXX. 
Loan number with XXXX Now XXXX stuck between is the check really going to clear? Do I still mail XXXX check? I dont have extra money to be wasting. I have bills to pay. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent information on my credit report. I was incarcerated for 7 years and my identity was stolen. These accounts are fraudulent and need to be removed from my report as it is a violation of the FCRA : 1. XXXX XXXX XXXX # XXXX  2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX  4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX  6. XXXX   XXXX XXXX XXXX # XXXX  7. XXXX/XXXX # XXXX 8. XXXX XXXX XXXX XXXX # XXXX  ( 6 accounts ).

9. UXXXX XXXX XXXX # XXXX
Product: Student loan

I have told navient on multiple occasions and have submitted proof that I am a XXXX, yet they keep harassing me during work and school hours with phone calls and emails. I have complained before that they will initiate contact without checking my enrollment status. This has happened at least 3 times. Their staff will not listen to me when I tell them I 'm a XXXX and they will not stop calling and emailing unless I report them, even though I 'm a XXXX. I have informed them on multiple occasions that as a XXXX, you do n't make loan payments, but the harassment will not stop. It 's causing unnecessary amounts of XXXX and I ca n't get work done or pay attention in class if they are constantly calling and emailing.
Product: Vehicle loan or lease

CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Unfair and Deceptive Business Practices : XXXX   law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove this credit information from my report. This company made payment arrangement with me and at the same time maliciously contacted the repo company. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XX/XX/XXXX brand new purchased by me in XX/XX/XXXX. Capital one then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00}. The bill of {$7700.00} was not mine. Capital One Auto should have sold the car for the amount that will not left a balance. Asking me to pay {$7700.00} after maliciously taking my car and left me with no car that made me to lose my job because I could not get to my job on time without a car. The {$7700.00} was placed in my credit reports as if the car has not been repossessed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my account was locked by cashapp. I currently have {$990.00} locked in my account and no one has contacted me or gotten back to me. I followed the app instructions to regain access but cashapp has not contacted me. I keep getting automated email saying they will contact me in 24 hrs but I never recieve any communication & my account is still locked. I don't know why it was locked but I need to regain access to my own money so I can remove it for good.
Product: Credit card or prepaid card

Bank of America agreed with me on recorded phone calls to a pay off settlement agreement for two credit cards ; the settlement amounts are approximately the principal balances due minus all interest and fees accrued and or approximately 35 % reduction back approximately the principal balance spent. These recorded verbal contacts occurred approximately between XXXX XXXX XXXX 

I am in need of a settlement statement from Bank of America so as to reconcile immediately as of today XX/XX/2022.
Product: Payday loan, title loan, or personal loan

I sent a check for {$9000.00} towards my principal ( after deducting {$800.00} for my monthly payment ). This payment was processed on XX/XX/XXXX but they are now claimingXX/XX/XXXX that the payment did not clear, which my bank disputes. By continuing to delay this payment, my account is being reported as late and this is not the case. 

I have called on this repeatedly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Given the recent news about Equifax being compromised and my personal information potentially being exposed to identity theft along with financial information being stolen, I was directed to this website to check and see if I am one of the consumers affected. https : //www.equifaxsecurity2017.com The website has minimal information. It gives you an option called " Potential Impact '' to see if you 've been compromised. Once you click the option, it lists the following instructions : " To determine if your personal information may have been impacted by this incident, please follow the below steps : 1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XXXX XXXX  2017. '' Once you proceed, it only asks for your last name and last 6 digits of your social security number. Once I submitted this information, it only gave me a date to return and check again. It did not say whether or not my personal/financial information was compromised and it seems as though it automatically opted/enrolled me in their TrustedID Premier program. It DID NOT give me any options. This website, even though is an official site registered by Equifax specifically for this issue, looks very suspicious and not secure at all. It 's falsely advertising they will tell you if you 've been compromised, but it does not! It also enrolled me in something without my consent. I 'm now worried that I provided personal information for no reason on a website that can again be easily hacked or compromised from a company that has already been hacked and compromised. I 'm worried and anxious that I have in fact been compromised, but there 's no way for me to confirm before damage has been done.
Product: Vehicle loan or lease

Year was XXXX, it was cold around winter. I had just lost my mom that summer, I was in XXXX FL. My girlfriend mom heard the tow man early morning around XXXX XXXX XXXX. Picking my car up illegal. Yes I was only late on my car payments almost 2 months but I let them know. They illegal took my car, the tow man said they had been looking for my car for a while. Which I don't know how, I kept up with GMAC and I was not that far behind to be repoed. So I called the next morning, GMAC told me yes that they illegally reposed the car, and I could get my car back if I had at least half a payment. I didn't they kept it, they sold it right under me, and they let me know they did. Never said anything about paying then. I moved to TX around XXXX XXXX I got a call about that car, it was a XXXX XXXX XXXX XXXX. Man said, I still owe I explained to him like it was explained to me. Like I'm explaining to these people who aren't GMAC they some scammers or bill collectors I don't owe on they illegally reposed my car they sold up under me. I was told they sold it for the amount I had left to pay on the car & {$4000.00}. Somebody paid it off for me. This is now almost 20 yrs these people are talking about I owe * {$4000.00} but can settle for like XXXX or something, they keep calling me from different numbers and states, talking about getting a lawyer on the case, and I guess prosecuting me. Putting this on my credit, wouldn't this already have been on my credit, if I owed GMAC. I have been on XXXX XXXX XXXX for over 20 plus yrs. All my bill collectors, have a clear understanding to this. When I purchased this vehicle which was in my name only I only had this one income coming in, my single home. 

Deposited a new message : " And unable to come to resolution call or handle this today on our secure mobile friendly website at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account will be forwarded to a local law firm for review. If no resolution is made, looks like there was a prior promise to pay but no resolution made. Stop this possible further action and or credit reporting if applicable, make sure it's handled today again by phone agent or website. We're giving you all options. '' Click here : to listen to full voice message. 

They call me from many numbers, different states that's a visual voice message.
Product: Credit card

Order placed on XX/XX/year> with XXXXXXXX XXXX XXXXXXXX, delivery promised within 6-8 weeks. 
8 weeks passed and no delivery information was forthcoming. Called XXXXXXXX XXXX XXXXXXXX several times and told someone would call me back with delivery information. 

I Never received any delivery information or call backs so on XX/XX/XXXX I opened a dispute with Discover card. I have contacted Discover card several times and they give me different information each time I call/chat. The dispute is resolved in my favor. The dispute is still open. I have to wait longer for an answer. 

I feel that almost 5 months is more than sufficient time to have a final resolution to this matter. The item was never shipped, Discover acknowledges this yet they keep telling me the dispute is still open. 

I feel there is no consumer protection and I am being held hostage indefinitely. I would like to order a table from somewhere else but I am afraid that I am still on the hook even though its been 5 months.