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

On XX/XX/23 wire fraud occurred with our checking account. We immediately notified Wells Fargo this was fraud and to stop the wires. Notification took place via the phone as well as in the local branch in XXXX, Iowa. Wells Fargo took no action and proceeded to allow the wires to occur and funds to be withdrawn from our account. 

We have asked Wells Fargo to provide information regarding the notification, multi-factor authentication and any other notification that was give to us indicating we authorized these funds to be withdrawn. No information has been provided by Wells Fargo and we have been unable to speak with a representative of Wells Fargo even though we have attempted to contact a representative on multiple occasions. 

We need information showing authorization by us of funds to be withdrawn from our checking account. We ask that Wells Fargo provide this information in addition to speaking with us regarding the transactions.
Product: Debt collection

They told me if I paid the settle payment of XXXX $ they would remove dept from credit
Product: Payday loan, title loan, personal loan, or advance loan

I have received XXXX voicemails which states my owing balance and potentially being sued for my " small amount '' per the Office Manager. I have made payments twice a month to try and catch up. I have had some hardship come about recently and getting voicemails on being sued does not help my current situation. I received voicemails from a couple of people from the XXXX Alabama branch but only the Manager has left messages on dollar amount and the lawsuit. I have the voicemails that can be submitted to someone that is a supervising manager over my local branch.
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 : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Product: Credit reporting 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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have unsubscribed from all marketing and commercial emails from XXXX. However, they sent me a commercial email today with no option to unsubscribe.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial wellbeing.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX PNC Bank XXXXXXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Property Address : XXXX XXXX XXXX XXXX, AL XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS THAT PNC BANK STOLE FROM US AND ILLEGALLY APPROPRIATED FOR THEMSELVES. THE SURPLUS STOLEN IS AROUND {$35000.00}. 

Our property on XXXX XXXX XXXX XXXX, AL XXXX was foreclosed on XX/XX/XXXXXXXX XXXX please see attached Foreclosure Deed. 

This Complaint is to seek your CFPB 's assistance so we can receive the Surplus Funds arising out of the foreclosure. 

1. The Foreclosure Deed indicates that the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) was the highest bidder and paid {$220000.00}. 
2. At the time of the foreclosure, we had an ongoing loan modification application, but PNC ignored it and proceeded with the foreclosure anyway. 
3. At the time of the foreclosure sale, we estimate that we had an outstanding loan balance of about {$180000.00} XXXX. We put a downpayment of over {$90000.00} when we bought this house. 
3. Thus, there should have been Surplus Funds of about {$35000.00} PNC provided an accounting of what happened to the surplus funds- why it was not returned to us. As it turned out, they used inaccurate, unjustified illegal, unsubstantiated and inappropriate additional interest and fees to completely " eat up '' and appropriate for themselves that substantial surplus funds arising out of the foreclosure sale. 

As previously indicated, PNC Bank owes us and should return to us the legitimate surplus funds of about {$35000.00}. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I discovered that there were debit card ( Citibank Checking Account ) transactions that I do not recognize or authorize. I called the Citibank customer service and filed a dispute on 12 transactions in a total amount of {$1500.00}. all of them happened between XX/XX/2023 and XX/XX/2023. The agent over the phone told me that they will review the inccidents and credit the amount withing 10 days. However, it did not happen and I received a mail saying that I am responsible for those charges. 

During the perioud and even afterward, I have had the debit card with me all along and nevered revealed the card number or the PIN. While those transactions occur in other states such as PA, MN or in XXXX XXXX, CA, I stayed at home or at work in XXXX California. 

There were 10 XXXX transaction, within 3 days and 8 happend on the same day. Even none of them in an amount over {$800.00}. In anyone 's eyes, it looks suspecious enogh and I believe Citibank should have noticed it before I take a look at my transactions and should also have blocked the transactions. And of course proactively let me know, just like other financial institutions do. ( I had experience with Case card being blocked and notifying and requesting confirmation by text messages, as out of state transaction occur. ) I am writing to an appeal letter to Citibank, as well as submitting a complaint here. 
Copies of the letter from Citibank and the statement ( With the transactions underlined ) in PDF format attached.
Product: Credit reporting or other personal consumer reports

I sent a letter to midland credit management ( original creditor is XXXX XXXX  ) I sent a letter asking them for a debt validation letter showing that they are the original creditor. The original contract with my signature for there company, they have the right to collect this debt. They will not send me this information. They sent me a letter with my balance. If they can not send me the original contract that I signed with there company Midland credit management then this debt need to be removed off my credit.
Product: Student loan

I called NELNET on XX/XX/2023 I tried to get in contact again both via email unsuccessfully, and on the phone. They do not respond with anything helpful, and do not pick up the phone ( today I was on hold for over an hour and a half until I finally gave up ). 

Nelnet has been blaming the department of education and anyone else they can for their incompetence. I have been trying to get my loans off a forebearance that I was wrongfully placed on since early XXXX. This was a forbearance that I opted out of on 2 different forms ( minimum ). The first time I called the rep told me I need to call the department of education. I called the department of education and they told me this was incorrect. I called NELNET again ( extremely long wait time I had to miss a few hours of work for ). The representative on the phone blatantly lied to me and did not do anything to remove this forebearance despite claiming it would be removed within 2 weeks and all interest accrued would be corrected. 

Yes, CONVENIENTLY for Nelnet this problem occured when interest started accruing again, and they have been charging me interest on my loans that I have no way to set up autopay on ( SAVE is supposed to forgive any excess interest that isn't covered by the monthly payment ). When I called them they lied to me and told me they would remove the forbearance from my account- which they didn't do. Here I am stuck holding this ticking time bomb. Begging for help in any way possible. I am considering giving up and going on strike. My life is already ruined by these loans anyway. 

Meanwhile Nelnet sends me emails that don't make any sense. They have given me 5-6 different monthly payment totals. I have no idea who to contact or how I can get this resolved. I have tried calling the us dept of education ( federal student aid ) and they can't do anything about it. They says it's managed completely by NELNET. 

I can't believe these are federal loans being managed so poorly, and at MY expense. I have no idea how I will ever have a life that is not in a chokehold from the crippling debt, the system state of chaos, trying to understand the legalese, from my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Product: Credit card or prepaid card

I was a victim of identity theft between the timeframe of XXXX a gentleman by the name of XXXX XXXX stole my identity and my father as well and opened fraudulent accounts like auto loans, credit cards, and business credit cards as well. One particular account I found was Discover Bank I contacted them and sent them a police report and tried to resolve this matter with them and they refuse to believe me I want to disputed with the credit bureau sent in my police report and everything needed to prove this account was fraud according to Discover Bank I recently received a letter stating that they didnt believe me and they were going to put a new account under my name that I did not authorize or I never applied for again this account was never applied by myself I was a victim of identity theft
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}
Product: Money transfer, virtual currency, or money service

Funds from my deceased wife 's three accounts that were to be placed in my retirement account has been lost/stolen by JP Morgan Chase since XXXX. They closed three accounts to transfer into my account and can not locate these funds to date.
Product: Credit card or prepaid card

Hello there! I had opened my ulta credit card inthe store like XXXX and After that I tried to pay it off every month. But in covid, I was not working and they kept charging me interest rates for my purchases for XXXX. I tried to contact them but they always used to hang on me. I am a student and I had part time job and I have other credit cards with this company which have similar interest charges. I do not understand if I did not make any purchases after XXXX, then how I am still paying the all the credit cards. This company had overcharged me and also they call me consistently if I did not able to pay them. Their website always used to collapse, which makes me harder to pay the balance. I wanted to close their credit cards but looks like forever paying their debt. I think I am not the only one with this issue since I had read some other people post on XXXX about the same issue. I would like to request you to please help me with this. I had attached my XXXX statement and XXXX statement so you can see how I am still paying for XXXX bills.
Product: Debt collection

I previously filed a complaint against XXXX XXXX XXXX in regard to their debt collection practices. The bullet points of that previous complaint were they never provided me proof of debt owed when requested, they called me repeatedly -- frequently calling XXXX times or more within a XXXX period attempting to collect this debt, threatened to contact family members as well as calling me before XXXX and after XXXX. These are all violations of the Consumer Financial Protection Bureau. 

In my initial complaint I attached a call log from their phone number XXXX showing all the missed calls coming from their company in XXXX,XX/XX/XXXXI'm also attaching an updated missed call from their company that took place yesterday ( XX/XX/year> ) at XXXX am which is before XXXX. 

The company responded to my initial complaint on XX/XX/year> stating I filed a complaint against the wrong company. I filed my initial complaint against XXXX XXXX XXXX on XX/XX/year>. The very next day on XX/XX/year> for the first time ever they emailed me attempting to collect a debt -- which I screenshotted and am attaching. 

If I filed a dispute against the wrong company on XX/XX/XXXX, then why the very next day is this company emailing me attempting to collect the debt I'm disputing? XXXX XXXX XXXX pretended like I wrongfully filed a complaint against them and since that time I've received more email communication from XXXX XXXX XXXX as well as repeated phone calls attempting to collect a debt I do not owe. 

This company is corrupt, liars and are shysters They are using deceptive methods to attempt to collect a debt. 

On XX/XX/XXXX, prior to XXXX XXXX XXXX responding to my complaint on the CFPB website, that day I filed a separate complaint against them on the Better Business Bureau. It was only then that XXXX XXXX XXXX decided to respond to my CFPB complaint and they very clearly lied in their response. 

I am attaching documents showing the XXXX XXXX XXXX missed call log of XXXX XXXX, calls received before XXXX -- along with their attempted email collection practices clearly showing they know who I am, and that I did not file a complaint against the wrong company.
Product: Checking or savings account

I attempted to access funds from a government prepaid card that is provided by Money Network Financial , LLC. I received a card in the mail to access my funds and I activated the card when I attempted to use the card I was not allowed to. I attempted at multiple different times and locations to access my funds to no avail. I attempted to have the funds transferred to my bank on their website as an alternative and that option was also declined with no reason given as to why. After attempting to reach Money Network Financial , LLC via phone for assistance I was finally able to get through to someone after several hours on hold. Once I spoke to someone on XX/XX/year> at approve XXXX pst the women on the line said she could see my declined attempts but could give me no answer as to why they were declined. This company is keeping available funds from consumers by restricting access and not providing an answer as to why. They are causing me to have access to no funds to pay for necessities and bills causing fees and hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education states that my loan was transferred to ( XXXX ) and that any delinquencies would be deleted off of my credit report. I have a letter from XX/XX/XXXX showing these corrections will be made and now we are in XXXX of XXXX and they are still showing on my account. Can you please help in getting these removed from my credit. Thanks
Product: Debt collection

For several months I have tried to fix my bill with XXXX XXXX XXXX I would call their 800 number and they would keep me on hold and constantly hang up the phone. I disputed the bill they sent me and waited for a new one which I never got. I also received a letter from them stating that they would cut it in half which I also sent to them and they did not honor what they wrote so I contacted their head office and send them the letter I was also told that one of the phones was free they never took it off the bill as well as the activations and half of specials was not on the bill after several months of waiting. I never got a bill after contacting the head office and sent them all documentation. As of today 's date I never got the final bill that was suppose to be half off and then 800 off the phone. I do not owe the amount of {$3700.00} as stated in the collection notice from Sequium Asset Solutions LLC the consumer has letters where XXXX XXXX XXXX promised to cut bill in half and as of today 's date that has not happened nor the {$800.00} credit nor the activation specials taken off of bill. During the time I had the phone it was constantly having to search for wi-fi even after they told me I had unlimited data. If I have unlimited why is the unlimited never working? I would call about this for I constantly required the use of WI-FI from other carriers after having to be billed full price for services not received.
Product: Debt collection

XXXX XXXX XXXX on XX/XX/2017 I have tried numerous times to get this removed off my credit report but with no luck. I will take accountability for my own debts as records showed that I paid off all my debts recently in order to clean up my credit. This is one that does not belong to me. I'm the victim of identity thief. I have only discovered this at the end of last year while I was trying to clean up my credit.