23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have had repeated issues with Wells Fargo Bank acting in ways that make me question their intentions. A series of pressures to force the creation of accounts with fees and consequences where the representatives say one thing but the account documents differ. Over a 1 year period they saddled me with a business account with a fee structure that was essentially impossible to satisfy. Then refunded these fees when I pointed out the entire thing did not match the terms of the agreement or the words of their own representatives. For months their FICO system which claims to report every 30 days would run as much as 90 days without an update. I had to dispute payments at all XXXX ratings agencies to get them to report. Now, suddenly, since around XXXX XXXX, 2016 I am denied access to the online banking system because somehow my account username and password do not meet their requirements. Requirements they neither notified me have changed nor provided reasonable recourse to resolve. I am now a second class customer. I ca n't risk Wells Fargo abusing this opportunity to recreate my accounts. They receive a {$350.00} direct deposit twice a month and I ca n't even check my balance online or use their also broken autopayment system till I agree to these changes where no documentation has been provided at all and, as a member of the banking industry myself, they are obviously not being truthful about this being a compliance issue. I am filing this complaint because I think they are engaged in unethical behavior and given the recent reports of XXXX employees fired for making unauthorized account changes I no longer believe I can trust them. As I owe their institution nothing, I will simply draw out my pay on a regular basis in person until I get a rational expectation in writing why I should change not just my password, but also my username for their online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX XXXX XXXX  must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXX XXXX XXXX  to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including XXXXXXXX XXXX XXXX XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " XXXX XXXX XXXX '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.
Product: Debt collection

I keep receiving phone calls from an XXXX XXXX who asks me to call him back regarding some XXXX account. He says he is from P & B Capital Group but when you call the number provided back it 's a generic recording that says you reached the office of XXXX XXXX and to leave a message. If this is a legitimate debt then XXXX XXXX needs to mail a letter verifying the debt and stop harassing me and my family. He called my elderly grandmother demanding to speak to me and was super rude when she told him I was n't there. This man has no business calling ANYONE related to me or associated with me. He is super rude and confrontational and I googled his phone number and name and I read more than XXXX comments from people saying the same thing, that he is rude and confrontational. He acts as if you owe him money personally or something.
Product: Credit card or prepaid card

We were unable to activate the card. The card was purchased so that my teenage son could safely purchase items/services online ( XXXX, digital content, etc. ). It wasn't until my son attempted to register the card that he encountered issues because he is not 18 or older. We have purchased cards before that did not require this age requirement. The packaging on this card did not indicate on the outside of the packaging that it required the purchaser to 18 or older. 

When we communicated the problem to NETSPEND we receive an automated email response stating that we would be contacted for follow up ( received XX/XX/2020 ). We have submitted follow up correspondence ( XX/XX/2020 ). We have not received a response.
Product: Debt collection

DIVERSIFIED CONSULTA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED CONSULTA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED CONSULTA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Was notified via email on XX/XX/year> a credit card account was opened using my name and my secondary email address. The bank name is current bank. On XXXX XXXX the credit card appeared on my credit report. Ive never heard of this company before and ive never done business with them and never opened up any accounts with them.
Product: Mortgage

I purchased the residence in XXXX with no escrow account. Chase inserted an escrow account when they paid my XXXX property taxes that I also paid, affecting the accrued interest on the loan.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint today to report that I have been the victim of fraudulent activity. Upon researching the process to remove these fraudulent items from my credit reports, I discovered that I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that do not belong to me or were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 1692 c ( c ), Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. Please remove all debt information from all 3 credit bureaus asap that are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My home bank where my account was initially opened is at The State Employees Credit Union at XXXX, NC XXXX. 
For over a year now, I have had issues with account information such as my personal information on my account changing without my authorization. 
This past XXXX, I updated my information on my account at the State Employees Credit Union on XXXX XXXX because I was receiving notifications to a cell phone that should not be on my account. The number is XXXX. After making a purchase case, later I saw that this phone received a text message notification. I was strongly concerned because I have not been conducting online banking since XX/XX/XXXX, and the only way to change or modify these settings is to access an online banking account. I spoke with an attendant in the bank on XXXX XXXX late XX/XX/XXXX and we were able to disable this in my account. I explained to her that it was very strange to see this because I have not received any text messages to any device to inform me of purchases. On that day, I updated my security questions and I updated my three digit voice response pin.

Yesterday, my three digit voice response pin was not working as I was trying to access my information with a new card I was issued. I spoke with XXXX after calling customer service. She informed me that my voice response pin is different from what I have set it to be.
Product: Money transfer, virtual currency, or money service

I have funds in XXXX currencies ( about XXXX XXXX  and XXXX XXXX  ) in my personal online wallet with Blockfi company. According to the companys terms the funds that are in the wallet belong to me and me only and are preserved in the cold storage, which means that no one else, the company included should be able to access or use them ( as opposed to the interest account that receives interest payments for the money being used by the company for investment ). On XXXX XXXX at XXXX XXXX I tried to withdraw all my funds from my Blockfi wallet to my external cold storage. About 3 hours later the company published on XXXX the announcement that it pauses all the withdrawals due to unexpected circumstances and exposure to another company ( XXXX ), who had announced bankruptcy. My withdrawals are still pending as of today and the company isnt communicating about whether they will be honoured. I tried to contact Blockfis customer support by email and twitter, but havent received any response. There is a discussion now in the news that Blockfi is likely to file for bankruptcy soon, though there hasnt been any official announcement. Since the announcement of the pause in withdrawals, Blockfi has processed some of the withdrawals submitted before the announcement at the same or even later time than my withdrawal request, but mine is still pending. It is not clear how those withdrawal requests are selected, as there is no explanation from Blockfi. I would like to complain about this inconsistency and the fact that in case of the bankruptcy the funds sitting in the wallet should not be used for compensating the secured clients, as they are supposed to belong only to me. 
Thank you! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings not only indicates that Zelle has neglected to protect the consumer 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: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the responses I received after sending out XXXX letters to various credit companies. Instead of providing substantive responses or taking appropriate actions, these companies have merely sent stall letters, delaying the resolution of my requests. 

I expect these companies to comply with the Fair Credit Reporting Act ( FCRA ) and provide timely and meaningful responses to my inquiries. The stall tactics are both frustrating and unacceptable, and I request immediate action to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Here are the violations under the **Fair Credit Reporting Act ( FCRA ) ** : 1. **Failure to Investigate** : Violates Section 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must investigate disputes.

2. **Failure to Correct or Remove Inaccurate Information** : Violates Section 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an investigation.

3. **Failure to Respond Within 30 Days** : Violates Section 1681i ( a ) ( XXXX ) Furnishers must respond to disputes within 30 days. 

Sending stall letters without conducting an investigation or providing a resolution breaches these FCRA requirements. 

XXXX XXXX
Product: Credit card or prepaid card

They offer a balance transfer for 15 months 0 interest But after 2 months start to charge XXXX interest
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. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.