23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXXXXXX, XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work out a forbearance agreement with my lender, Shellpoint Mortgage servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help
Product: Credit card or prepaid card

Fraudulent transactions on XXXX and US bank credit card. Change mailing address on XXXX credit report. Applied fraudulent applications at XXXX XXXX credit cards.
Product: Debt collection

My identity was stolen in or before XX/XX/XXXX, at which point I placed a fraud alert and credit freeze on my XXXX, XXXX, and XXXX files. 

On XX/XX/XXXX, I was contacted by Debt Collector Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX ) regarding a debt with my stolen identity, referred by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX ) in the value of {$17000.00}, for a contract that began in XX/XX/XXXX. This rental was done with my stolen identity. 

When I informed the debt collector that my identity was stolen, they had indicated that I would need to take steps to file a new police report and have an investigation done on my own. When I indicated that I can provide sufficient evidence that this was through a stolen identity, they did not wish to cooperate with me, and instead, said that the burden is placed on me to resolve the issue. 

When I called XXXX XXXX XXXX XXXX to see if they can resolve this, they said that because they already referred it to a debt collector, they can not help me, despite the fact that I had indicated that they had initiated a rental on a frozen credit report with a fraud alert without taking further investigative action.
Product: Credit card or prepaid card

I WAS CHARGED ON MY MASTER CARD ON XX/XX/10 FROM A XXXX XXXX XXXX FOR XXXX I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER DID BUSINESS WITH THIS SAID COMPANY OR NEVER AUTHORIZED THIS CHARGE AND I HAVE NO IDEA WHERE THEY GOT MY CREDIT CARD INFOMATION FROM. I CALLED MASTER CARD AND REPORTED FRAUD ON THIS CHARGE AND THEY NEVER DID ANYTHING FOR ME, I RECENTLY CALLED IN AGAIN AND MASTER CARD IS NOW TELLING ME THAT THEY CANT HELP ME BECAUSE THE CHARGE IS TOO OLD NOW. I TOLD THEM THAT I REPORTED THIS BACK WHEN I SAW THIS CHARGE ON MY STATEMENTS AND THEY DID NOTHING. I AM NOW FILING WITH YOU IN HOPES FOR YOUR HELP. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME, I CANT AFFORD TO HAVE MONEY TAKEN FROM ME WITHOUT MY CONSENT. PLEASE HELP ME GET MY MONEY BACK. MASTER CARD SHOULD BACK THERE CLIENTS NO MATTER WHAT AND THE REP I SPOKE WITH WAS SO MEAN AN NASTY TO ME WHEN I CALLED SHE WAS SAYING MY AGE MAY HAVE ME FORGOT WHAT I CHARGED TO MY ACCOUNT. SO NOT NICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Transunion and XXXX credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my Transunion and XXXX credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX XXXX, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.
Product: Checking or savings account

This is a complaint associated with multiple denials of credit from Wells Fargo Bank Stemming from my phone being stolen and the thief/thieves accessing multiple accounts including Wells Fargo XXXX 

XXXX was stolen and they used a XXXX transaction which 3 times Wells Fargo has denied a refund of the money. The last explanation was that the representative followed the right protocol. I called when my phone was stolen and notified Wells Fargo that there was unauthorized transactions of XXXX XXXX for XXXX and XXXX as well as a XXXX ACH transaction which I did not authorize. When I called the representative cancelled my cards but did not close my account even when I asked him. I have never used XXXX XXXX nor do I have an XXXX XXXX account and my transaction history should show that. The XXXX transaction of XXXX was completed at the same time. As an example since then I have had at least XXXX account withdrawals and XXXX XXXX Withdrawals that were deemed not made by me and were fraudulent. The call to Wells Fargo was placed immediately after the fraudulent transactions were made. Because my account was not closed the fraudulent activity continued till that night where they were able to steal an additional XXXX. I have provided Wells Fargo with multiple police reports, FTC filing reports of fraud as well as other statements from other financial institutions where additional fraud has occurred. 

I have received multiple letters stating that the claim is denied because either " You or someone you know completed the transaction. '' I have also been told over the phone that " Biometrics was used so it had to be you. '' Biometrics is facial recognition, That's what I use on the phone app to access my account. The thieves found away around it. Wells Fargo has repeatedly told me that there was no fraud detected but on multiple other transactions have confirmed fraud. 
I am going to seek legal representation for defamation of character for Wells Fargo basically saying that I am lying and I am committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and again on XX/XX/2021 I sent letters to XXXX XXXX and Equifax concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX  report. After several phone calls and the additional letters, XXXX and Equifax has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.
Product: Debt collection

My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.
Product: Checking or savings account

XXXX overdraft fee and 7 XXXXfee total of XXXX need to refund back to My account Wells Fargo policy Collapse We receive most incoming electronic direct deposits before XXXX XXXX  each business day. With the Overdraft Rewind feature, well initiate a second review of the prior days transactions on your account at XXXX XXXX  local time.Footnote 11 If you had an overdraft or returned/NSF item on the previous business day and your direct deposit would have covered it, we will use funds from your direct deposit to reevaluate the transactions and waive the overdraft or returned item/NSF fees that would have been assessed.

Well calculate a new balance, which includes your pending direct deposit ( less any pending debits ), and use this amount to reevaluate the prior days transactions on your account and waive the overdraft or returned/NSF item fees for transactions that would have been covered by your direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX PORTFOLIO RECOVERY, I HAVE BEEN HARRESSED BY THIS PORTFOLIO RECOVERY SINCE XXXX-XXXX WEEKLY THEY SEND OUT MAILINGS DEMANDING XXXX DOLLARS FOR XXXX XXXX THAT WENT OUT OF BUSINESS. THE SAME GIRL USING DIFFERENT NAMES CALLS AND DEMANDS PAYMENT. THIS WAS DISCHARGED IN BANKRUPTCY, MY ATTORNEY XXXX XXXX HAD CALLED AND NOTIFIED THEM CONSTANT. TO NO AVAIL, I AM CONSTANTLY HARRESSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the XXXX XXXX XXXX and XXXX XXXX and their debt collection company, IC systems Inc., concerning their fraudulent billing practices and subsequent reporting of these bills to credit reporting agencies. The XXXX and XXXX XXXX 's deceptive actions have resulted in significant financial harm to the residents of XXXX XXXX. 

I wish to bring to your attention a series of articles that highlight the fraudulent practices of the XXXX XXXX XXXX and XXXX XXXX over the past five years. These articles present substantial evidence of the board 's deliberate misrepresentation and deceptive billing practices. Please find the relevant links below : Article 1 : XXXX XXXX  XXXX Article 2 : XXXX XXXX XXXX Article 3 : XXXX XXXX XXXX Article 4 : XXXX XXXX XXXX Article 5 : XXXX XXXX XXXX These articles demonstrate numerous instances where the Sewerage and Water Board has sent fraudulent bills to the Citizens of the city of XXXX XXXX and subsequently reported these false debts to various credit reporting agencies. These actions have inflicted severe financial hardship, damaged credit histories, and imposed unwarranted negative consequences on innocent individuals. 

As a victim of the Sewerage and Water Board 's fraudulent billing and reporting, I have personally received inaccurate bills, which were then reported to credit reporting agencies without any valid basis. These erroneous reports have significantly impacted my creditworthiness and caused significant distress. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX. It is essential to hold the board accountable for their deceptive actions and prevent further harm to the residents of XXXX XXXX. 

Furthermore, I urge the Consumer Financial Protection Bureau to take appropriate measures to rectify the damage caused by the Sewerage and Water Board 's fraudulent practices. This should include enforcing penalties, facilitating the removal of inaccurate information from credit reports, and implementing safeguards to prevent future occurrences. 

Should you require any additional information or have any questions regarding this complaint, please do not hesitate to contact me. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was locked out of my chase secure checking account on XX/XX/XXXX. I didn't get back into my account until XXXX XXXX. That is when I found out somebody XXXX  {$2000.00} out if my account. When I finally got back into my account chase had to help me change my user name and password. They also had to add my phone number and email back to my account because someone changed it on XX/XX/XXXX. Then XX/XX/XXXX and XXXX several transactions XXXX {$2000.00} out of my account. Their claims department said they couldn't see any changes made. They said if I sent the email confirming it happened they would look at it. So I did. They said their minds were made up they wouldnt change it unless I could come up with a timesheet to say I was at work or in the hospital or something. Which makes no sense. If I would have done it I still couldhave done it at work or in the hospital. They wouldn't talk to me or discuss anything with me. They wouldn't hear what I had to say. Their minds were made up.
Product: Vehicle loan or lease

Since XX/XX/2022 I have been trying to get some type of understanding of my auto loan with Ally Financial. I have put in two complaints with this company under XXXX XX/XX/2022 and XXXX XX/XX/2022. The company responding back that they are still working on the issues. Ally Financial lied once again to the CFPB and myself because I received a letter today that was dated for XX/XX/2022 stating that my account is now a charge off and they will not be sending the title to the vehicle until I pay {$14000.00}. It stated that my account was a charge off but it was referred to there XXXX XXXX XXXX. So at this point in time it clearly shows that Ally Financial is not a trust worthy company being that they can violate so many of my consumer rights. 

Once again Ally Financial has broken yet another law with out blinking an eye 12 1026.13 Billing error resolution-Based on the Payment history that was received by Ally Financial XXXX XXXX states that the original balance is {$17000.00} with a remaining balance of {$14000.00} left to be paid. The contract on file states that the total sales price is {$27000.00} with my down payment of {$1500.00} there is money not being reported. Under 12 CFR 1026.13 what happened to the {$10000.00} it must be in limbo somewhere? What was supposed to be credited to me the consumer was clearly not. The total financed on the contract states {$27000.00} so what happen to the {$10.00}, XXXX dollars. After doing some calculations on my end the break down is not right in I stated that to the Agent from Ally financial XXXX XXXX when she called me after my first complaint with the CFPB. I have sent my letters of Affidavit, Cease and Deist of contract under my consumer rights of recession. The company still went against 12 CFR 1026.13 ( d ) Billing error resolution because they still counted each month as a missed payment and reported on my credit as a repossession which I have a copy of my report. So is it that Ally Financial can charge off my account and a sneaking way but report to the CFBP that they are working on the issues at two different times but still send me a letter, block my account and report fails information on my credit. Ally Financial is attempting to take advantage of a consumer and continuously lie. I have stated everything that was done in my letters to the company and my complaints with the CFPB. Also, I have uploaded all documents that was needed for my case because I do not trust Ally Financial to do what is right cause clearly they believe they are above the law.
Product: Debt collection

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified XXXX days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Capital One Bank regarding their failure to resolve a dispute and the subsequent illegal sale of my information to a third-party debt collector. 
I initiated a dispute with Capital One Bank concerning a transaction on my account. Despite providing all necessary documentation and following their dispute resolution process, the issue remained unresolved. Capital One failed to address my concerns adequately and did not provide a satisfactory resolution. 

Following the unresolved dispute, Capital One Bank sold my personal and financial information to a third-party debt collector without my consent. This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The third-party debt collector has since contacted me, causing undue stress and harassment. 
I request the CFPB to investigate this matter and take appropriate action against Capital One Bank for their failure to resolve the dispute and the illegal sale of my information. I also seek assistance in ensuring that my information is no longer shared without my consent and that the third-party debt collector ceases all contact with me. 

Thank you for your attention to this matter.
Product: Checking or savings account

My mobile check deposit was taken away randomly. I have been a customer with them since XXXX. They kept changing the things I had access to without notifying me. When i asked them if they changed their they Real time payment function, they attempted to say they didn't. But them went back and said yes they did. I requested a copy of their terms from XXXX. The declined to provide it to me. After stating i was going to see if an attorney can review it. My funds became available in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint with CFPB and I have just received a credit report from Equifax showing the amount still owed, CFPB Complaint number XXXX. 

This account must be marked closed as I see it listed as late with a full balance showing. 

See attached report and original documents.
Product: Credit card or prepaid card

I was injured in Wisconsin on XXXX XXXX because my financial institution Cashapp let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At a time when someone I owed came to collect some of there money I couldnt pay that person and we got into XXXX  I received XXXX XXXX XXXX and at one point I was having an anxiety attack paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body.These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card product.. liability belongs to Cashapp without a doubt. I do not have a borrow allowance. If I didnt faint my XXXX would have arrested completely to my knowledge.
Product: Debt collection

XXXX XXXX, a company that I worked for, sent a loan that I took with them to attend a XXXX XXXX, to a lawyer group within a week or two of me leaving the company. That lawyer group then contacted me telling me I had to give them XXXX % up front, then pay {$250.00} a month, otherwise they would file a lien against my XXXX preventing me from being able to obtain a job using my XXXX. When I told the lawyer group, Will Rush, that I was unable to meet those terms, they said I should borrow money from someone in order to do so, because they were going to file the lien if I was unable to. The lawyer group refused to work on a reasonable repayment option with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX