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

This email pertains to the inquiry and explanation of case numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022 we were informed by mail of an unauthorized transaction of 3 times {$1000.00} on a debit card that we have never asked nor did we receive. The hackers also managed had open an account under our names,. We called the bank immediately and told the agent that the new account was not initiated by neither of us and elucidated and stressed that we have not had a joint debit card for several years.. We requested the bank to close the hacked account account and pleaded to the agent to ask the bank to be more diligent and set up an automatic notification of any activities on our accounts in entirety and avoid further unauthorized transactions. She acknowledge and promised to do that immediately. 
The situation got more daunting 2 days later as we were monitoring our accounts and realized that 3 more fraudulent withdrawals were made from our different accounts to the same XXXX account for a total of {$22000.00} ( {$700000.00} + XXXX + XXXX ). 

. This continuous issues has been beyond stressful and we are so frustrated with the banks lack of due diligence and protection. To further complicate this situation we just received a letter today regarding claim # XXXX that our disputed unauthorized transactions on the debit card was declined. We find this decision insulting and beyond appalling and feel extremely disappointed with the management of our account and the manner it is being conducted. We are expecting for a professional resolution and thorough investigation of this dire issue from Wells Fargo. We clearly know our rights and if need be we would hire legal assistance to help recovering our lost funds which has happened simply due to the bank 's negligence and lack of security protection. 

We have been loyal customers of Wells Fargo bank for more than a decade with average daily deposit of several hundred thousand dollars. 

Please let us know about your due diligence about this matter as soon as your investigation is completed. 
Attached is the the letter of denied rights. ( a total insult ). Basically meaning that we are involved in fraudulent activities, we do not take this lightly. 
Disappointed that the bank has leaked our information. 

Sincerely
Product: Debt collection

Johnson Mark LLC has continued to send me documentation that does not validate my contract. On XXXX Johnson Mark LLC sued me for an alleged debt they are claiming i owe, previously I have contested all facts, asking to verify my writing signature on said contract, or XXXX between myself and Johnson Mark LLC, they have never produced anything. I have sent this company letters to please provide proof, they have never done this, they have ignored all my efforts to settle this matter, as they can not show my contract to collect this alleged debt. I have sent cease and desist letters to stop all communication, however they are only sending more. I have received packages in my mailbox, for the same unverified information, they have never provided. I have been a victim of intense harassment, as well as intimidation. This needs to stop at once. I have contacted the AG office to make a complaint as well, this Junk buyer has wrecked havoc on my family for 2 years filing lawsuit, and claims that have never been proven.. yet they are still trying to send me collection paperwork, as well as suing for a debt they have absolutely nothing to do with.. I will be following up with bar grievances, on this attorney who has absolutely XXXX knowledge or claim to allege debt. 
I have all copies of correspondence I have sent this company, asking to provide my written consent and contract, which they have never done, they turn around and sue me. This company know that Im working under XXXX as well, as all efforts to resolve should be done in arbitration.. yet they are continuing to collect and harass by mailing. This needs to stop at once
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same.

15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed n accordance with the Fair Credit Reporting act Account Name : XXXX XXXX Account Number : XXXX Balance : $ {$19000.00} has violated my rights On XXXX XXXX I sent a letter to XXXX  for proof of original agreement. I haven't receive my documentation of proof instead a letter stating the account has been verified but I need to know how the account was verified. Furthermore, they are continuing to defame my character in my credit report. I have attached a printed document of them changing their remark reducing my credit score by XXXX points. This is grounds for removal and if this account continues to come back verified without the proper documentation, I will be forced to take further action. 


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 that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigation. 

According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than 1,000.

I want 1,000 per violation, or the item immediately removed from my credit report.

Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Product: Credit card or prepaid card

I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting on My XXXX by XXXX XXXX Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my XXXX by XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between XXXX XXXX and myself should not be reported to consumer reporting agencies as adverse credit events. 

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision.

Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate or unverifiable. 

Given these legal protections, I formally request that XXXX XXXX XXXX this matter and instruct credit bureaus to remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 

Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. 

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

Subject : Dispute of Late Payment Record for Account [ XXXX XXXX XXXX XXXX ] Dear CFPB I am writing to dispute the accuracy of late payment information reported on my credit report for account [ XXXX XXXX XXXX XXXX ]. Upon reviewing my credit report, I noticed that late payments were recorded for this account. However, I have always made timely payments and have never missed a payment on this account. 

I kindly request a thorough investigation into this matter and ask that you provide documented evidence, such as billing statements or payment history, demonstrating any late payments. If you are unable to furnish such proof, I ask that you promptly update the status of these payments to reflect their true standing as on-time. 

I trust that you will handle this matter with the urgency and accuracy it requires, as credit reporting plays a crucial role in maintaining a consumer 's financial integrity. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I submitted a complaint to you about GREENTREE SERVICING on XXXX XXXX, XXXX ( Complaint # XXXX ) regarding several issues of fraud, negligence and or failure to comply with their end of the Deed-In-Lieu agreement I had with them. However, GREENTREE did not respond, a company called DITECH FINANCIAL, LLC responded ( whom I had never heard of ) - they requested more time to respond and you gave them 60 days. Well, since then, I now continue to have problems with this company ( DITECH ) - whom I have never done business with?! For example, NOW they are on my Credit Report (?! ) - with ALL INACCURATE information of ANY account/mortgage I have had. They also sent me a letter dated in XXXX - that did NOT receive until XXXX - citing changes to " my mortgage ''. Well, I signed my property over to GREENTREE thru a Deed-In-Lieu in XXXX ( which Greentree still has not followed through with the written agreement and terms of the CASH for KEYS PROGRAM once I signed the Deed-In-Lieu and I have yet to have that resolved ). So - why is this DITECH sending me letters about a mortgage that has not existed for more than six months and was in Deed-In-Lieu process for almost TWO YEARS before that ( because of incompetency on GreenTree and XXXX part )? And why are they STILL on my credit report with INACCURATE information??? According to the FCRA, since I disputed the information ( XXXX XXXX ) they have on my credit reports and it is still NOT ACCURATE as of TODAY it MUST BE DELETED. The language in the FCRA is very clear, direct and unambiguous ; therefore, I demand this " DITECH FINANCIAL, LLC '' 1./ be held responsible 2./ stop contacting me and 3./ Most Importantly : DELETE the ENTIRE ACCOUNT from ALL of my credit reports. Please know that I also tried to file a formal complaint with the FTC against them, however they state the CFPB handles all of the complaints of this nature. I am also filing a complaint with ( or against ) XXXX for not following through with their end of the Deed-In-Lieu Agreement ( neither the Relocation Assistance and they made me move out more than TWO MONTHS before I was supposed to according to the written and signed agreement ). If DITECH is responding for GREENTREE now, then they should be held responsible for all of the harm and distress that has been done to me. XXXX more thing - I owned that property since XXXX ; the mortgage was sold to XXXX different mortgagors in that period ; each time it was sold, I was sent a letter informing me it was sold and who the new mortgagor would be - however, I have never been told anything other than GREENTREE was my last mortgagor up until I signed it over to them in XXXX. This is the THIRD mortgage company ( in addition to possibly XXXX ) in the short span of only ten years that has harmed me financially, emotionally and mentally! I was a victim of XXXX, XXXX XXXX XXXX and now GREENTREE / DITECH. What is wrong with these XXXX dollar banks doing this to single mothers, working people and honest Americans?!?!?! PLEASE get to the bottom of this and MAKE this company DELETE the account altogether from my credit report IMMEDIATELY. PLEASE. Thank you.
Product: Credit card or prepaid card

I noticed an inquiry on my XXXX  XXXX  account I called the card company and told them I did not apply for their card well I ended up receiving their card anyway and a bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I was on a repayment plan with Nation Star mortgage that was to end in XXXX of XXXX. The payments were for XXXX due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, Nation star mortgage is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' Nation Star is reporting to the credit bureaus that at this time I owe since XXXX of XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. Nation Star has claimed today, XXXX XXXX, XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and Nation Star is the only company that does not have me current on credit reporting. Now that I am current with Nation Star, they need to update the credit ASAP.
Product: Debt collection

I was contacted back in XX/XX/2016 by Apple recovery of XXXX, Arizona, they stated I owed {$23000.00} from a XXXX loan. I advised to them that XXXX/XXXX whom are now under investigation and being sued, frozed the funds put in my account from XXXX and then ultimately took the the {$23000.00} as well as my funds of approx. {$18000.00}. I was called by Apple repeatedly and sometimes even 4 to 5 times in a row to make a payment plan. So I did, I paid approx. {$410.00} dollars to Apple and requested a printout. I find out The debt was charged-off and XXXX/XXXX were in a multi class action lawsuit for the same thing they did to me, they did to XXXX of others.
Product: Credit card or prepaid card

As a Bank of America customer and a taxpayer, I am extremely distressed by the bank 's new policy regarding firearms and accessories. Their actions to cut off financing and other services to legitimate, completely legal companies ( in this case firearms manufacturers producing popular and mainstream merchandise ) for political purposes sets a fantastically dangerous precedent and should be curtailed immediately. Indeed, their actions run in direct contravention to the Second Amendment of the Bill of Rights, as though Bank of America is a private company and therefore has certain rights itself, we the taxpaying people of the United States bailed out this company, and others, with hundreds of billions of dollars public money. For Bank of America and other financial companies to then turn around and not only discriminate against the very same law-abiding citizens of this country that bailed them out but to strike at the heart of our founding document and system of government at the same time is simply appaling. 
To add to this, there is now talk of financial institutions tracking purchases of firearms and accessories down to the customer level. For what legitimate purpose could such tracking be for, I ask? I can think of none, and truly can only see the motive as the restriction or complete denial of legal purchases paid for with one 's own money. This too is extremely dangerous, as the same logic and action could be applied to any transaction, by mistake or malice : Shop at a sporting goods store, and buy a tent, but the transaction is logged as a " firearms retailer '' - to have the transaction disallowed or your interest rate raised because you shopped at a " high risk '' store? Legally and legitimately exercise your Second Amendment rights and buy a gun - and your bank denies your next loan application as you are a " high risk '' customer? Perhaps the political winds change and another product or service is disfavored by the bank - what happens then? Shop at the wrong store, and your financial future is in jeopardy? Donate to the wrong charity and the same occurs? Go to the wrong church? Buy the wrong book? Donate to the wrong political party? What happens next?

I believe that banks and other financial institutions should behave in a manner consistent with their fiduciary responsibility to their stockholders and other ownership interests, and not attempt to alienate large swaths of the country and customers based on political whim. That goes especially for such companies that were bailed out by the American taxpayer to survive their own poor business decisions. It really is a terrible joke for Bank of America to behave in such an anti-American manner. No bank or business is too big to fail - revoke their charter or break them up. I and those I know will discontinue business with Bank of America or any bank that shows such blatant disrespect for the principles that underpin our nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, XXXX, and Experian and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
Product: Credit reporting

XXXX credit reporting agency 's or fax and the other main XXXX have my credit for only two or three years. That 's a lie! My XXXX XXXX card alone I have had for 40 years this makes my reporting on the time of credit shows only two or three years a lie! Both XXXX and Trans Union show my age of credit as two or three years! I want this changed! XXXX agency shows XXXX hard credit inquiries and the other shows only XXXX. I have not allowed XXXX companies to do a hard credit report on me, so if they are there it is False filing!
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Unauthorized Inquiries Impacting My Credit Report Dear TransUnion, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile.

Upon meticulous review of my consumer report, I have identified unauthorized inquiries from XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ).

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In these instances, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation.

I maintain that these items are unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), TransUnion expeditiously deletes these unauthorized and unverifiable items from my consumer report within the next XXXX  days. 

Failure to do so will be construed as willful noncompliance on the part of TransUnion, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA. 

I expect a swift resolution, and I anticipate written confirmation once the unauthorized inquiries have been expunged from my consumer report. 

Done in good faith.
Product: Payday loan, title loan, personal loan, or advance loan

I am currently in a program to help with my financial situation XXXX XXXX. They have been able to come to payment agreements with most of my creditors. Explore Credit states theyve never been contacted which they were on XX/XX/XXXX for an agreement and did not answer. I have placed stop to payments by my bank at XXXX and they now are debuting my account via check. Ive called my bank which can not refund me but only file a dispute, and I have numerous times called and emailed Explore Credit to please stop payment. I last spoke to them on XX/XX/23 and was told my upcoming draft would be postponed til XX/XX/23 so I had time to fill out documents to agree on payment with XXXX XXXX and they never sent me the documents nor called me as I was told and still got drafted XX/XX/23 as promised. I called to ask why that was they said they had a technical difficulties. I contacted XXXX XXXX and was asked to reach out to you.