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

On XX/XX/2023 Preauthorized ACH Debit - {$100.00} charged by XXXX XXXX XXXX ( XXXX XXXX Reference Number 15 ; On XX/XX/2023 Preauthorized ACH Debit - {$120.00} charged by XXXX XXXXXXXX XXXX  XXXX XXXX Reference number 16 ; On XX/XX/2023 Preauthorized ACH Debit - {$0.00} charged by XXXX XXXX XXXX Reference Number 21 ; On XX/XX/2023 Preauthorized ACH Debit - {$190.00} charged by XXXX XXXX XXXX XXXX XXXX Reference number 43 ; On XX/XX/2023 Preauthorized ACH Debit - {$130.00} charged by XXXX XXXX XXXX  XXXX XXXX Reference number 1 These fees have been charged on XXXX business account and we made phone calls to our XXXX to confirm that no one else should charge us from our account. We report to our Wesbanco Bank to dispute these charging but they said that no mistakes found and until now no responses from them though I made a phone call to appeal our request on these fees. Also we found a scam check to be checked out from our account with the scammed signatures of us. We asked our bank to supervise this account for almost two months and just allow the funds into our account and no checks payments allowed until these checks will be confirmed from us.
Product: Credit reporting or other personal consumer reports

ALL THE REPORTED INFORMATION IS INCORRECT. SEE ATTACHED PHOTO BELOW FOR CODES. ALL IS INACCURATE
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$XXXX}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Issues with XXXX, when submitting funds I was never notified via the XXXX if I was sending funds to the correct person and fund were automatically sent without verification. I lost funds and was not able to get a refund due to unlawful practices. Can you please investigate? Requesting to be reimburse for the funds lost
Product: Mortgage

SECOND COMPLAINT - Please see Case number : XXXX. As first one was never addressed by Wells Fargo Home Mortgage. 

I am XXXX, recovering from a XXXX. This is the reason for me not submitting this complaint in XXXX. 

I received a letter from Wells Fargo on XXXX/XXXX/XXXX, stating my payment would increase to {$1400.00}, as my escrow account has a {$2200.00} shortage, which is false. I pay {$410.00} per month for Escrows, which equals {$4900.00} over 12 months. My taxes are {$4100.00} for the year, with hazard insurance of {$560.00} ... paid by Wells Fargo in XXXX XXXX. Taxes were paid by Wells Fargo on XXXX & XXXX each totaling {$2100.00}. 

Combining equals {$4700.00}, and I paid an Escrow amount of {$4900.00}. .. I 'm being billed for something XXXX XXXX Loans agreed to waive, under Ancillary Monthly Payment included within my modification of {$0.00}. 

I have attached correspondence I have received from Wells Fargo regarding this matter. I received XXXX letters, first from XXXX XXXX, XXXX XXXX ( dated XXXX/XXXX/XXXX ), saying they receive the complaint and they expect to have the results of research on XXXX/XXXX/XXXX. 

On my first complaint to XXXX, Wells Fargo stated they needed an extension as they could not contact me. This was false information. 
I received XXXX calls, and messages, and I returned all XXXX calls and left messages, after speaking to a Wells Fargo representative, saying they received the complaint. 
( Calls recorded by Wells Fargo ) Completed Modification - XXXX, XXXX on behalf of the current investor - XXXX XXXX, XXXX Loss Mitigation Manager. Signed XXXX/XXXX/XXXX. Account # XXXX Modification Interest Rate - 4.00 % Modification Interest Only Payment - {$850.00} Monthly Escrow Payments - {$390.00} *Ancillary Monthly Payment - {$0.00} Total New Monthly Payment - {$1200.00} First Modification Payment Date XXXX XXXX/XXXX/XXXX *Ancillary Monthly Payment : This included some or all amounts that Servicer has advanced for real property taxes, insurance, water liens, or other amounts that may have become due with respect to the Property. Servicer has spread the repayment of Ancillary Amounts over a period of XXXX ( hand-written ) months. 

Correspondence on XXXX/XXXX/XXXX from Wells Fargo. The transfer of servicing will not affect any term or condition of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX today XX/XX/XXXX about a wrongful delinquent late status put on my account. I am XXXX XXXX military and have given military orders on XX/XX/XXXX. When I spoke to customer service today I was told to dispute the item today so they may remove this wrong information. I have called numerous times and have been told to dispute this item. At this point I am disappointed in XXXX and how they deal with service members. I still have the email I sent with my orders if that is needed. At this time I will look into taking legal actions against this XXXX for not only accusing me of false delinquent payment information but also damaging my credit. My account should have been put into deferment since XX/XX/XXXX. The same email was sent to my regular student loans and none of those are in any delinquent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.
Product: Debt collection

I reviewed a copy of my credit report and noticed some accounts that I have no knowledge of these accounts have not been verified and I am a victim of identity theft and the XXXX XXXX breach please delete the following accounts Per fcra section 605B and 15 usc 1681c2 And 15 usc 1681 The following accounts are reporting inaccurate information They are the result of fraud and should be blocked and deleted within four business days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Debt collection

XXXX XXXX : Collection Open Date : XX/XX/XXXX Status : Seriously Past Due Assigned To Attorney Account Disputed : Several Times In Regards To This Collection There Has Not Been Any Mail Sent In Regards To This Debt Claimed Owed. Information Is Not Available And Has Been Hidden. I Have Sent A Notice In Regards To The Response Of This Debt On XX/XX/XXXX & Still Have Not Received Information. I Have Been Fighting To Get Removed Due To Fraud And Non Information Of Debt On My Account. 

I Sent A Letter Stating : This is a response to non information sent in regards to validation of debt and errors on my credit reporting to credit bureaus and the highly negative credit information. This notice is being sent in pursuant to the fair debt collection practices Act, 15 USC 1692g Sec 809b that your claim is disputed and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

Account name : Account Name XXXX XXXX XXXX # XXXX {$410.00} Account name : XXXX XXXX  {$520.00} has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S C. 16818-2 ( AX1 )  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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX the account attached was supposed to be deleted per agreement with the dealership and general manager. ( XXXX ) Also attached is the agreement screenshots & confirmation. 
Company name : XXXX also know as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a 1st delinquency date of XX/XX/XXXX. Transunion has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. XXXX continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information XXXX provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.
Product: Credit card

My credit card was used fraudulently ( 2 ) with American Express. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. American Express has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by 200+ points!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX with Bank Of America XX/XX/233 My XXXX XXXX XXXX  User ID information was requested, by someone other than me. 
XX/XX/607 My XXXX XXXX XXXX  User ID information was requested, by someone other than me. 
XX/XX/1230 phone XXXX ( XXXX XXXX {$290.00} ) Purchased on XXXX XXXX XXXX Family from XXXX XXXX XXXX store In XXXX, NV. False impersonation of XXXX XXXX ( account holder XXXX XXXX XXXX XXXX fraud case # XXXX XX/XX/1320 My XXXX XXXX XXXX  phone number XXXX was Ported to XXXX XXXX XXXX XXXX Fraud case XXXX XXXXXXXX XX/XX/1320 My phone stopped working Fed XXXX Bank of America online account password reset Sent to XXXX XX/XX/1337 Bank of America XXXX account transferred {$1.00} to XXXX XXXX using my phone number. Then {$1700.00} to XXXX XXXX ( I was still unaware of this transfer or phone number being taken over ) XX/XX/1413 Could not login to the BofA account, So I called BofA associate " XXXX '' who said no suspicious activity had happened, and encouraged me to reset my online password, which I did. 
XX/XX/1540 I attempted to login to BofA, password had been changed again. Called BofA associate " XXXX '' who informed me a XXXX transfer of {$1700.00} had happened.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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: Debt collection

I was deceived into thinking that I owe on a debt that is not mine and after five attempts to tell the agent that I would like to dispute this they still would not dispute this debt for me and I believe I have the right to dispute directly with this debt collection agency and I was denied that right and for that I would like to be compensated for my time.
Product: Bank account or service

I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against BMO regarding my credit card application mishandling. On XX/XX/year>, I called BMO to apply for a credit card, and the application process took approximately an hour and a half to complete over the phone. However, I have not received any confirmation or response regarding my application. 

I contacted BMO multiple times to follow up on the status of my application and even submitted a formal complaint ( Case Number : XXXX ). After conducting an internal investigation, BMO informed me that, according to their records, I never applied for the credit card. This is untrue, and BMO has asked me to submit a new application. 

Furthermore, BMO revealed that they used a third-party vendor during the application process, something I was never informed of. Throughout the call, I believed I was speaking directly to a BMO employee. This lack of transparency is deeply disappointing and adds to my concerns about how my application was handled. 

I find this response unacceptable, as I have already spent significant time completing the initial application on XX/XX/XXXX. Given that BMO records all phone calls, I request that the CFPB assist in ensuring that BMO conducts a thorough investigation into this matter, including reviewing the recorded phone conversations from my original application. It is unreasonable to ask me to go through the entire process again when the fault lies with BMO 's systems or processes. 

I would appreciate any assistance in resolving this issue and ensuring that BMO takes the appropriate steps to address this matter. 

Thank you for your time and consideration. 

I also attached the phone history from XX/XX/XXXX for your reference.
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. 
I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Product: Credit card

The card ( American Express Business Card ) promised 3 % cash back on one selected category up to XXXX per calendar year. Amex did not pay me cash back for my advertising expenditures ( my selected category ) totaling over XXXX. They stated that despite the fact that the charges were made for advertising they would not give me the cash back because the companies like XXXX and XXXX XXXX and almost ALL other major advertising outlets do not code their transactions as advertising ( most are coded as business services ) ... I was not eligible for the cash back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX child support was paid off lump sum XX/XX/XXXX. However shows negative marks until XXXX. 
Then they tried to put payments on same account from then til XXXX. But reported paid off and closed XXXX. How's that? 

However XXXX XXXX shows non payment for all years also. XXXX, & XXXX. But payments were garnished from Workers comp for 4 years, Then unemployment after that. So these payments shouldn't show on XXXX XXXX child Support case as payments. 
Experian, XXXX, XXXX have payment negative marks for these years which has severely damaged my credit. XXXX XXXX Co child Support has frauded me by not sending me a 1099 C and reporting Cashout payout sent from insurance company through workers compensation In XXXX. My lawyer had the check cut directly to them from insurance company. I called them at the time And was told false information from Employee. I believe I've been a victim of Racial bias. Based off RACE. It's unconstitutional and I will be taking legal actions against them for fraud, & non-monetary losses, and defamation. They're all in violation of 15 U.S.C. 1681. 

XXXX XXXX XXXX child div ( XXXX ) ( case # ) XXXX XXXX child support div 3.Experian XXXX XXXX, XXXX.
Product: Checking or savings account

I am dire straits due to the excessive returned fees on my account. I have over 15 {$29.00} charges on my account. I am trying to get my account out of the red and then I have another return fee. The bank has only returned 2 fees, which is no help
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my previous request, the XXXX credit bureaus neglect to fixed my credit accounts. With this situation, I want you to assist me in correcting the accounts immediately. It has come to my attention that the XXXX credit bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. I demand an immediate investigation into these violations based of the FCRA Section 605b. The following items should be corrected immediately : XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$1300.00}.
Product: Credit card

Dear cfpb, after the real estate market crashed in XXXX XXXX California in XX/XX/XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brook.. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XX/XX/XXXX and XX/XX/XXXX. Chase sold one of my credit card debts to XXXX / XXXX XXXX on XX/XX/XXXX. And XXXX file a lawsuit and got a judgment on XX/XX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. On XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me