23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Immediate Dispute and Demand for Investigation of Multiple Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts that have been opened in my name without my consent. Upon reviewing my credit report, I discovered that several accounts have been fraudulently opened under my name, and I am appalled by the lack of action in resolving this matter. 

These fraudulent accounts are not mine and have been opened by individuals who have stolen my personal information. I demand the immediate removal of the following accounts from my credit file : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : {$66.00} This situation is intolerable, and I expect immediate and thorough action on your part. These accounts are fraudulent, and I am holding your institution responsible for allowing such accounts to be opened in my name. I demand an investigation into this matter, a prompt resolution, and the deletion of all fraudulent accounts from my credit file within the legally required timeframe. 

Additionally, I request that you provide me with the following information regarding these fraudulent accounts : Documentation showing the application process for each account, including proof of identity. 
Copies of any contracts or agreements signed in relation to the accounts. 
Any records related to the investigation of these accounts ( if applicable ).
Product: Checking or savings account

Two weeks ago I opened an account with Suntrust bank online. The {$100.00} initially deposited was returned. I also deposited a {$490.00} which was also returned. When I attempted to use the online app I instructed to call the bank which I did. I was informed that the account was closed that was on XX/XX/2019. I immediately called social security regarding my direct deposit to this bank. I was informed that they would not be able to re-route my check, however if the account is closed it will be returned to social security and they would then be able to route it to a different account. On XX/XX/XXXX I received a new PIN number for a new debit card that was on the way. On XX/XX/XXXX I received the debit card and activated it. I called the bank and was informed I did have an account and that my social security deposit would be available on XX/XX/XXXX. Today I contacted the Suntrust bank and was informed that I would not have access to the funds. The funds were verified that it was at the bank. They informed me that when they decide to close that account again I would receive a check in 7-10 days. Im retired and use my monthly check to pay my rent. If I am unable to access my funds that they are holding I will be unable to pay my rent and will be evicted. I called Suntrust back and asked to speak to a supervisor. He informed that they did in fact have the funds. I asked if I would have access to the funds on XX/XX/XXXX. I was informed they couldnt say for sure. Im in desperate need of my funds and Suntrust is not able to give a yes or no answer and suggested I contact them on XX/XX/XXXX. 
I do not see any reason why I can not access funds that they are holding. Suntrust does not seem to know whats going on or when I will receive my funds. Im begging for immediate assistance in this matter.
Product: Credit reporting or other personal consumer reports

I recently contacted EQUIFAX to have an inaccurate address removed from XXXX XXXX XXXX XXXX consumer report. The address XXXX XXXX XXXX XXXX XXXX Al XXXX is inaccurate, and I Believe this address may have stemmed from from identity theft pertaining to and a fraudulent account directly related to XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga. I have attached in this complaint my ID my social security account number and a lease I have with this real estate property.
Product: Debt collection

This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} XXXX XXXX XX/XX/XXXX {$440.00}
Product: Debt collection

From what it seems, this must have been an online purchase from Best Buy. I do not have or have I opened any account in XXXX when the purchased was made. I just found this on my credit report as of XXXX, not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent Experian a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XX/XX/20 .Experian is still reporting these accounts on my credit report. even after 30 days and no verification or reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

error XXXX failed to report the right usage when I applied for a loan so of course that made my score off XXXX is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit corrected
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681o outlines the civil liabilities for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). Specifically, it states that any person who negligently fails to comply with any requirement imposed under the FCRA with respect to a consumer is liable to that consumer for : 1. Actual Damages : The consumer can recover any actual damages sustained as a result of the failure.

2. Legal Costs : In the case of a successful action to enforce liability, the consumer is entitled to the costs of the action, including reasonable attorneys fees as determined by the court.

Additionally, if the court finds that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, it shall award the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

This provision ensures that consumers have a means to seek redress for negligent violations of their rights under the FCRA, while also discouraging frivolous or bad-faith litigation.
Product: Debt or credit management

I was affected by Lexington Law firm in which they promised me I would be debt free by using their services. This was in the year of XXXX. I used them for an entire year in which I seen nothing delete from my credit report. I was advised, it would take time.
Product: Credit reporting or other personal consumer reports

I ask XXXX and XXXX please review the address and phone number associated with Wellsfago credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the Wellsfago credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the Wellsfago credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with XXXX and XXXX and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the Wellsfago credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit lightning significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

This is my 3rd complaint against Ditech Loan Servicing. By the time they answer this complaint the home will be on the market for sale. 

I along with my siblings are the successors in interest of my father 's home. Ditech has been contacted by me several times and my Lawyer as well. My attorney sent a QWR in XXXX and Ditech has failed to answer it. Instead they have forced me to correspond with XXXX XXXX, a Debt Collection Attorney. 

I have not been contacted by anyone from Ditech. I asked their attorney for a person of contact that I could speak to and he did not answer me. I also asked him if he could guarantee that there would be no encumbrances on the title when it went to close, No Answer! 

Ditech sent me a statement with attorney fees added to it. These fees are due to the illegal sheriff 's sale that they attempted in XXXX. They have repeatedly Violated RESPA laws and continue to do so. 

I would like a Qualified Person from Ditech to phone me at XXXX so that I may have some answers to many questions concerning the sale of my Father 's home and his mortgage file. I do not trust Ditech as they have 100 's of consumer complaints as well as filing bankruptcy twice in eighton month 's. 

I am attaching the file of my QWR and Ditech 's latest statement that was sent to my Father and not me.
Product: Checking or savings account

I have been filing disputes with my bank and Navy Federal has been taleing 90 days to complete my dispute or not giving me provisional credit, I have been Holiday shopping and I made a purchase on XXXX and sent two returns. XXXX, said they needed to verify me and to upload a state drivers license which I completed. XXXX said they would send me my refund within 3-5 business days since XXXX XXXX  its now XXXX XXXX and I still haven't received my refund. I contacted Navy Federal Credit Union who is my banker to dispute this case and get my money back. I have been denied a provisional credit and Navy Federal hasn't requested any additional information that they need. I can not wait 90 days until this dispute because I need access to my funds to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Checking or savings account

I had attempted to pump gas using my debit card, but my card had been denied. I double checked my account balance to make sure I had funds available and I did have funds, but left confused as to why it was denied. I decided to call Wells Fargo after work and in calling them I saw that within a matter of hours, I no longer had funds. In reviewing the charges, I saw non-sufficient fund fees charged. I called Wells Fargo and asked them why these charges were made. They explained that I had over drafted the account. At this point I noticed charges made at XXXX ( {$150.00} ), XXXX ( {$260.00} ), XXXX ( {$45.00} ) & XXXX ( {$65.00} ) that myself nor my wife had made. These transactions all occurred on XX/XX/2018. At this point I submitted my complaint to Wells Fargo. Previous to this whole situation, I had requested a new debit card because my current card was unreadable, but never received it. This was also explained to Wells Fargo on my initial phone call. In Wells Fargo 's final investigation, they deemed that I or someone else that I had authorized had used my card. I tried to explain that none of these charges were mine. I filed a police report to offer further proof. Wells Fargo sent me a copy of the signatures used to make the purchases and none matched mine. The person who used my debit card fraudulently had even tried to use the stolen debit card at a Wells Fargo ATM. Wells Fargo has rejected my request for them to review their cameras to confirm that this was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, Experian, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.
Product: Checking or savings account

I opened an account with Wells Fargo XXXX after the first XXXX months I have had trouble with them never opened a savings account with them so I was told my account wouldnt be able to be over drafted, well after moving across the United States from my home state to take care of my XXXX mother in law I have had issues with them cashing personal checks through their mobile deposit systems that resulted both my wife and I losing not insignificant paychecks payments due to fees and overdraft fees and I tried for over a year to resolve it with them but they keep acting like I am stupid and it is my budgeting issues or over spending that caused the issue well I went XXXX  months with out having a single over draft fees so do believe that is the issue, i have had XXXX recent very serious hospital stays recently and before I went to the hospital my account was positive and nothing should have come out since there was only like XXXX in there and I get out of the hospital and the account reach a maximum of nearly - {$400.00} in XXXX days from their fees that is ridiculous
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE XXXX CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE XXXX AGENCIES.
Product: Checking or savings account

On Friday, XX/XX/XXXX XXXX XXXX dollars were withdrawn out of my savings ( {$6000.00} ) and checking ( {$1000.00} ) accounts on PNC bank. I am left with only about {$200.00} dollars left on my account and after taking to a representative for about 2h on XX/XX/XXXX ( could not get in touch with the bank during the night on the XXXX ), no solution was posed on a near future. I am left with {$200.00} for the foreseeable future, considering everyday bills, food, etc. This is the second time something like this happens with PNC this year- last time was in XXXX, when I got a call and had to close my old account and open a new one, with a new credit card and etc. Fortunately they were able to prevent any money being taken out in XXXX, but not this time. The bank is supposed to be a safe place to store your money, how is it possible that a random person goes into a PNC branch and cleans out someones account and the bank representative did not even know where it had happened? How is it possible that I am left with no solution, no money and no empathy, even when I took all of the steps asked in XXXX to prevent this from happening again?
Product: Mortgage

AIMLOAN is over charging our escrow account by double the amount of property taxes owed. I have tried to resolve this issue twice with them including an email on XX/XX/2023. AIMLOAN has our property taxes as being {$9700.00} ANNUALLY collected twice yearly as two payments of {$4800.00} in XXXX and {$4800.00} in XXXX. Our ACTUAL TAXES from our county Treasurer - they are {$4500.00} ANNUALLY collected as two payments of {$2200.00} in XXXX and {$2300.00} in XXXX. This is a discrepancy of you OVER COLLECTION {$5200.00} ANNUALLY in our escrow account. They are refusing to acknowledge this issue or adjust out escrow amount down despite over charing us $ XXXX MONTHLY. Attached is the proof of the issue from AIMLOAN and our County Treasurer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX ( TU ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( TU ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( TU ) XXXX - Date Opened : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX ( XXXX  ) Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  and XXXX ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX ) Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX XXXX Experian XXXX BAL : {$0.00} XXXX BANK - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX   and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )
Product: Vehicle loan or lease

I was in and out of hospital in XXXX XXXX due to XXXX XXXX XXXX. In that time my wells Fargo account, which I had set up for autopay in XXXX, something you can't can't unless your account is on track, and when they double dinged me for payment it messed up the autopay. The computer algorithm decided this fate for me, not a human. Then I ended up hospitalized with XXXX issues affecting my XXXX and XXXX. Emerging from this haze I'm working on getting everything back together and Wells Fargo is the only vendor who will not work with me. Everytime I call I'm told the supervisors are in a meeting and to leave a voice mail but I never get my call returned ...
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX {$430.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX XXXX {$770.00} XXXX {$360.00} XXXX XXXX XXXX XXXX {$55.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX - XXXX XXXX {$670.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}