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

To : Consumer Financial Protection Bureau Consumer Finance Date : XXXX XX/XX/XXXX Re : FRAUDULENT ACCOUNT CLOSINGS I had XXXX accounts at WELLS FARGO fraudulently closed on XXXX XX/XX/XXXX. 

All jointly owned with an elderly friend and companion of XXXX-year plus relationship, 2a brokerage and a savingswere primarily held by me, having been set up in Fall XXXX, a year-plus before I met her. The other 2, a checking and savings, were hers in origin. The closings were initiated by a recently assigned conservator, XXXX XXXX XXXX of XXXX Minnesota, without my being consulted, and the proceeds from the closings, in the form of a Cashiers check, are untraceable, apparently. The friend can not have been part of the scheme, I am certain, by virtue of her mental state and the murky circumstances of the transactions. The varying primacy in holding, moreover, reverses the customary sense of joint ownership into an unequal partnership which should mandate the pre-eminence of the primary holder in critical transactions involving the accounts. That at least was my understanding from inception, and it would deter me from ever tampering with those 2 accounts of hers of which she granted me co-ownership, not to mention my absolute lack of material need for doing so.

Upon email notification of the closings, I promptly alerted the Bank to the fraud, in painstaking exposition. Perfunctory acknowledgment aside, there has been no substantial executive follow-up, despite my repeated dire summons and reminders in the intervening weeks, and I am beginning to suspect complicity between bank staff and client in the dirty transactions. Which has me appealing to your agency. I shudder at the specter of having a beloved, XXXX and XXXX XXXX XXXX-year old thrust into corrosive litigation ensuing from the fraud. I had hoped Wells Fargo would help to avert it. 

I will readily forward, upon request, background material in the guise of e-correspondence. Your grasp of the matter should be facilitated thereby, to say little of the economies in time and effort otherwise lost from a fresh piecemeal lowdown. 

The related Wells Fargo case number is : XXXX, and the Case Managers telephone number is : XXXX. From the last check-up with customer service ( XXXX XX/XX/XXXX XXXX the case had been placed in limbo as of XXXX XX/XX/XXXX pending re-assignment, this in utter disregard of the reiterated fact that I can not currently pay due bills because my active checking account, extremely lean in value, has long been linked to the closed savings one in a portfolio. I am appalled at the insensitivity. 

Thanks for your attention. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

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

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I owned a XXXX treadmill and received a recall notice that indicated I could return the treadmill for child safety reasons for a full refund. The unit was secured from my residence on XX/XX/2021 from XXXX employees. XXXX indicated that I would receive a refund {$5000.00} within 7-10 business days. It is now XX/XX/XXXX and I have only received 50 % of my return via check. I was directed to contact Affirm which processes payments on behalf of XXXX and they indicated that they returned the payment to my credit card. I have indicated to them over the last several months that the payment needed to be returned via check as the credit card associated with this account was closed. They are not able to make this distinction or resolve how to transition a payment from the closed account to make it in the form of a check and send it to me. I have made over 10 calls to Affirm to resolve this issue and has included each time communication with a supervisor who is also unable to finally resolve this issue. Each employee continues to read from a script and is not able to find the appropriate solution which is to simply send me a check representing the remaining balance that is owed as agreed.
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 XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$580.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XXXX/XXXX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XXXX/XXXX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX  inquired on XXXX/XXXX/2022 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 XXXX XXXX XXXX and inquired XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, Experian, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.
Product: Debt collection

The XXXX XXXX XXXX XXXX is sending me notices for an alleged debt. The alleged debt is past the Statute of Limitations for legal action and credit reporting. Therefore, the business can cease and desist all communication efforts, notify the client of such and also not forward this alleged debt to another agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made a payment of {$1600.00} to Synchrony Bank as payment on my XXXX credit account. My XX/XX/XXXX, XXXX statement showed that I had to pay {$1800.00} by XX/XX/2020, to avoid all deferred and continuing interest charges. I had earlier in the month paid {$200.00}. On XX/XX/2020, my bank removed {$1600.00} from my checking account and transferred it to Synchrony Bank. As of today, XX/XX/2020, Synchrony Bank refuses to acknowledge receipt of that money and apply it to my account. I have called them twice, they say the payment is " on hold '' and won't be credited for at least two more weeks, even though the money is gone from my checking account and in their possession. I also attempted to submit a complaint on the XXXX credit " Resolution '' page at least three times, and every time I get an error message conveniently claiming they're having " technical problems, try again later. '' I did manage to submit a complaint through their " review '' page of the Resolution page, for what that is worth.
Product: Credit card or prepaid card

Back in XX/XX/2021 I had fraudulent charges from a XXXX XXXX XXXX on my Chase card I knew this was fraud and contacted Chase. They froze the old card and sent me a new one with no problems. In XXXX I started to have fraudulent charges from a XXXX XXXX XXXX XXXX. I had done business with XXXX and XXXX XXXX who operated as XXXX XXXX XXXX XXXX. I confronted XXXX over the phone but she died that same day before we could resolve the issue. I called Chase about fraudulent charges and they initially gave me credit but did not close the card and send me a new card. Initially I received credits while Chase and I were supposed to contact the company. I wrote to a XXXX address XXXX XXXX XXXX based on the information on XXXX Secretary of State LLC registrations. It was returned to me unopened. I then contacted Chase to see if they had contacted the company. I believe they used the internet because I got the same results. The internet links were for were XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both incorrect. I know XXXX XXXX has been in XXXX and has had XXXX male associates who have stolen from her ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I believe they all have criminal records. I purposely paid the full amount of my charges in XXXX and when I was initially given credit I had a {$17000.00} credit balance in XXXX. When my XXXX statement came it was for {$41000.00} on an account with a {$27000.00} credit limit which I had requested to be lowered to {$8000.00} when I called about the fraudulent activity. I believe if Chase will separate the real charges for XXXX XXXX XXXX XXXX from the fraudulent charges by XXXX XXXX XXXX XXXX I should have credit balance.
Product: Debt collection

Dear Sirs/Madams of the C.F.P.B. So it's been 15, years from XXXX, this day since I've been received request for collection from all kind agencies in U.S. to collect for merchants name WAMU and now on XX/XX/2018, from the Debt collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, phone XXXX and now added with this Chase Bank claiming that I owed them {$6800.00}, for what? I don't know because that I have never had any account with these banks, which caused on XXXX that I wrote 5, letters to that WAMU merchant/bank asking them to provide me with any applications or forms filed with my signature ( documents ) regarding to they allegations, but never had any answer, but still receiving these threat of seizing my property/ bank account, or going to my employer for collection, so makes that a very terrible threat, and caused me so many stresses, some times even leveled up my XXXX disease 's problem to a XXXX level, and especially for mess up my credits and prevent me getting even a job, and caused me now to be unemployed to this day. Which caused that I've filled this complaint against these merchants WAMU/Chase Bank to show any evidences that they have to me and to XXXX XXXX XXXX in supporting of their claims as fast as possible, or remove me out of their collection, please every responses to me or to XXXX XXXX XXXX and must be in writing all documents. 

Respectfully submitted XX/XX/2018 XXXX XXXX Claimant Phone XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately
Product: Checking or savings account

I made a mobile check deposit at XXXX on XXXX XXXX from a personal check written to me, in my account. I have cashed a check recently from the same payor that cleared and was no problem. The app told me {$220.00} would be available immediately and the rest would be available by XXXX XXXX. The {$220.00} was in my available balance and I made a few purchases. Then one of my purchases was rejected so I checked my account again and they took the {$220.00} out of my balance which gave me a negative balance of - {$160.00}. When I called them they told me that the entire check, {$500.00}, would be held until XXXX XXXX. I have called multiple times as the person who wrote the check informed me that as of XXXX XXXX, the money had been debited from his account and his bank advised that he could not cancel the check because they already sent it to my bank. My bank refused to release the money to me and also refused to tell me the reason they were holding it. My account is more than 30 days old, I have never had any checks bounce back, and the check was only {$500.00}. The person who wrote it also sent me another check that cleared a few weeks prior. 
Now today is the XXXX. The app states that this check is APPROVED! The app also states that the transaction is complete and that the funds have been deposited in my account, however my available balance is still - {$160.00}. When I reached out I was given no reason as to why it was being held another entire day besides they said they didn't receive the money yet. They completely ruined my XXXX. This check has been cleared since way before XXXX and is my hard earned money that they have held over XXXX which was for my XXXX year old sons presents. They won't give me a reason. They have received the funds and refuse to give me access to them.
Product: Mortgage

United wholesale mortgage XXXX Loan # XXXX Property # XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX Just refind XXXX XXXX ever since then we have had problems with this company. 
I have called many times always getting a new person, and upon completion of our conversation all issues are resolved, then I get letter stating I'm a payment behind, after sending canceled checks that have cleared my account, so I started paying over the phone, last payment I made paid XX/XX/2021 and received a letter from them stated I was late on my payment, my bank statement shows it paid on the XX/XX/2021. 
Please I need assistance from you. 
XXXX XXXX XXXX XXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is a negative information reported by Equifax, XXXX XXXX XXXX in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable.

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Product: Mortgage

My loan was recently acquired b y AmeriHome Mortgage Companys  loan servicing division.     I live in a roommate situation whereby my roommate contributes to the household by making a payment contribution towards the mortgage. We each write a check that when totaled equals the amount of the monthly due payment.     For example :  Amount Due  : {$4000.00 } ( n ot the actual amount, used for illustration ).     Payment  1  ( from roommate ) : {$1000.00} Payment  2  ( from me ) : {$3000.00} Total Payment Submitted : {$4000.00} I called AmeriHome indicating that I would like to send  two checks with one payment coupon each month totaling the amount due of {$4000.00}  I was unequivocally told that if followed this plan, AmeriHome would not ensure that the payments were applied properly, and that the system may not recognize the  two checks as totaling one p ayment.     This is not an industry standard.     I also contest  AmeriHomes  definition of partial payment. If I submi t two checks fo r the total amount due, that is not a partial payment. It is a complete payment using  two  payment instruments.