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

about 2 months ago I was completely robbed and hacked everywhere XXXXXXXX XXXX of account and all my personal information the victims sent all my money out to themselves and left my account negative after I recover my phone and changed all my passwords and got some of my things back I begin to fill a claim explaining what happened. The claim amount was for XXXX. They was very nice and understood the situation and told me to keep calling back for updates and I did I called back about 3-5 times for updates and they kept telling me after 60 business day I should be able to get my payment. so I waited and kept calling and today it makes 60 business days and they said they had denied my claim and I dont understand why but I really didnt like that decision after they promised me my money a bunch of times. I just want my money back!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed with EQUIFAX a collections account with contract callers for a amount {$240.00} that has BEEN PAID and i sent Equifax a copy of the receipt. They emailed me XX/XX/18 saying the dispute was completed but still show not paid as a collection! They have locked me out of checking on this dispute! ( dispute conformation number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Target is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking Target to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if Target can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.
Product: Debt collection

I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the persistent appearance of fraudulent and inaccurate items on my credit report which are needs to be removed by the credit bureaus. Despite my previous attempts to rectify these issues, they continue to adversely affect my creditworthiness and financial standing. The fraudulent and inaccurate items in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - My credit report still displays an inaccurate address, namely [ Incorrect Address ], which is not associated with me and has never been my place of residence. I have previously disputed this issue. XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$9200.00} - There are an accounts on my credit report, XXXX, XXXX which has been incorrectly listed as a charge-off. This accounts are not in charge-off status, and I have never allowed it to reach such a status. XXXX XX/XX/2022- I have identified an unauthorized inquiry from XX/XX/2022. I did not provide any authorization or consent for this inquiry, and it should not be included in my credit report. I have made numerous attempts to address these issues by filing disputes, providing supporting documentation, and following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, the fraudulent and inaccurate items persist on my credit report, causing unwarranted harm to my financial profile. 

I kindly request that you prioritize and thoroughly investigate these ongoing disputes to rectify the inaccuracies promptly. As stipulated by the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I urge you to adhere to this timeline and provide me with an updated credit report that accurately reflects my financial history. 

Furthermore, please ensure that any fraudulent or unauthorized inquiries are removed from my credit report, and take appropriate measures to prevent any future unauthorized inquiries.
Product: Mortgage

I purchased a house in XXXX XXXX, NC in XX/XX/2001, when purchased it was not in a flood zone and did not require flood insurance. This year Wells Fargo informed me that FEMA had changed the classification of the zone and I was required to buy Flood Insurance. I argued with them but finally paid {$500.00} for Flood Insurance. 

Wells Fargo proceeded to buy insurance on top of the insurance I purchased and charged my escrow account {$1100.00}. I called and discussed the matter with XXXX on several occasions and their response was for me to have my property rezoned by FEMA. I opened a case with FEMA ( Amendment Project is Created with Project Number = XXXX ) and have not had a response yet. 

In the 18 years I've owned the house I have never had a flood. Recently Hurricane Florence made a direct hit on our house and caused the worse flooding in NC history, but we had NO flood whatsoever. Which indicates to me we are not in a flood zone and I never needed to purchase flood insurance and Wells Fargo had no right to charge me {$1100.00} extra. 

Now I want to pay off my mortgage but see they have added {$1100.00} to my payoff, I have made numerous calls and written letters to no avail. I just spent one hour and nine minutes on the phone with Wells Fargo only to be hung up on. Their only response so far is there is nothing they can do because FEMA changed my rating and I have to have it re-rated. But who knows how long that may take and they say nothing about dropping the {$1100.00} they indiscriminately charged my account.
Product: Mortgage

The company refused to provide me with the insurance requirements that had to be met for my property insurance. They forced me to carry insurance on buildings that are not salvageable or are in disrepair. The purchase price of the property was {$410000.00} and they were originally trying to make me carry {$700000.00} on the property. I felt like they targeted me and refused to provide documentation or communicate openly and honestly. It involved both the loan officer and the mortgage company.
Product: Checking or savings account

On XX/XX/2023, at around XXXX, I went surfing XXXX XXXX XXXX XXXX in XXXX. When I returned, I couldn't find my keys. I thought I might have left them in my car, so I called XXXX for help. After XXXX opened my car, I realized that my keys, phone, and wallet were stolen. 

In my wallet, I had my Wells Fargo debit and credit cards, driver 's license, and other items. I immediately called Wells Fargo to report the stolen cards. They informed me that there were unauthorized charges of {$3800.00} on my credit card and {$6900.00} from my checking account. I confirmed that I didn't make those charges, and Wells Fargo assured me that they would investigate and freeze my accounts. They also gave me a reference number for the call ( XXXX XXXX ). 

After contacting Wells Fargo, I called the XXXX police department to file a police report ( XXXX XXXX ) for the stolen items and the police arrived around XXXX. I reported the stolen car keys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo cards, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX 

The unauthorized charges on my credit and debit cards were both made on XX/XX/2023, at the same XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX XXXX, California. Wells Fargo refunded the {$3800.00} charge on my credit card on XX/XX/2023. But when I inquired about the checking account charge on XX/XX/2023, they denied my claim and gave no explanation. 

Unsatisfied with their decision, I reopened the claim for a second evaluation. On XX/XX/2023, Wells Fargo informed me that my claim was denied again, stating that I authorized the transaction using biometric verification on my phone. However, my phone had been stolen. 

The {$3800.00} charge on my credit card was refunded without any problems. 
The {$6900.00} charge on debit card was posted to my account on XX/XX/2023, two days after I called Wells Fargo and filed the police report. Wells Fargo wrongfully rejected my checking account claim, stating that I authorized the transaction, even though I informed them immediately that I didn't transact after my wallet was stolen. 

Please advise on what I may need to provide.
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX  account, XXXX account, After pay account, XXXX  account, XXXX bank account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on XXXX using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through XXXX and After pay. This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I attempted to book travel through XXXX XXXX using the Affirm payment option. At checkout, one is directed to the Affirm website to obtain approval and then returned to the merchant to complete the transaction. After being returned to the merchant page, I received an error message that the transaction could not be completed. After two additional attempts at unsuccessfully completing the transaction, I paid with another method. 

On XX/XX/XXXX, I received e-mails from Affirm stating I had three approved loans for which I was responsible to pay. Worried that the transactions with XXXX XXXX had successfully processed despite the error messages, I contacted the merchant and verified that I had only the one reservation I had paid for and no others. 

I disputed all three loans with Affirm. Two loans were acknowledged to be duplicates and cancelled. For the remaining, Affirm insisted I provide evidence for a transaction that did not take place. I provided confirmation of my purchase which I self-paid for as well as my XXXX XXXX account page print out showing I had only that single reservation. 

Affirm denied my dispute on XX/XX/XXXX. After calling to inquire, the Affirm representative said they contacted XXXX XXXX to verify my dispute and did not receive a response. I believe the dispute should be resolved in my favor without a response from XXXX XXXX proving that I had a reservation paid via Affirm. Affirm is placing the entire burden of proving a transaction did not occur on the consumer when proof should be provided by the merchant to support the charge. 

In the meantime, despite having received no services related to this loan, I have had to begin making payments on the {$1400.00} balance to avoid an adverse impact to my credit report. Additionally, interest charges at 27.44 % APR are accruing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ), it is emphasized that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy rights. XXXX, XXXX, and Experian fall under this category as consumer reporting agency, and I, as the Consumer, have the right to ensure that my private information remains protected, as supported by 15 USC 6801. This statute affirms Congress ' stance that financial institutions must actively safeguard customer privacy and confidentiality. Entities furnishing information to credit agencies, defined as financial institutions, are subject to this obligation. 

Per 15 USC 1681 section 604, consumer reporting agencies may only furnish consumer reports upon the consumer 's written instructions. XXXX, XXXX, Experian, and the financial institution furnishing information do not possess my consent to share this data, either written or otherwise. By invoking 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers an explanation of their nondisclosure options. This provision was not communicated to me by the financial institution. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information. XXXX, XXXX, and Experian are not adhering to these regulations by reporting adverse information without consent and potentially inaccurate data. 

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of consumer reporting laws. XXXX, XXXX, and Experian are failing to uphold these reasonable procedures. 

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services.
Product: Vehicle loan or lease

Here is a draft complaint letter for the CFPB regarding Drive Now Acceptance : Dear Consumer Financial, I am writing to file a complaint against Drive Now Acceptance ( DNA ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and consumer protection laws regarding debt collection and [ wage garnishment. 

My wife and I purchased a vehicle from XXXX XXXX XXXX, an affiliate of DNA, on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, I became ill with XXXX and contacted DNA to voluntarily surrender the vehicle due to financial hardship. DNA instructed us to return the vehicle to XXXX XXXX XXXX, which we did. DNA  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, DNA  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, DNA  changed the report to " '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, DNA illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

DNA  has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws ] regarding debt collection and wage garnishment procedures in Illinois. According to my credit report there's a balance of XXXX. I have no documents or paperwork to validate this. Was the XXXX sold? I have the right to have documentation regarding the sale price. Was the amount deducted from the balance? It doesn't appear so. If it hasn't been sold, where is it? Please provide me with documentation. 

We have been denied a mortgage, it's been an embarrassment to us. I received a mortgage denial today because of the " repossession '' We demand that DNA  immediately correct their credit reporting to remove any reference to repossession, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against DNA  to stop their unlawful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX  DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX {$11000.00}
Product: Checking or savings account

I have an active account with Robinhood and have been putting money in this account for some time. In an attempt to remove some of my own funds my account was restricted. It has been over 1 month of me calling to get the restrictions removed with no resolution. I was told that my account needed to be verified in which I was asked for proof of identify. So far I have provided my drivers license, social security, proof of address, as well as a pdf of my bank statement linked to the account I have with Robinhood. Upon sending all of this proof and the company reviewing/investigating I was told that I now need to send in a pdf of another bank account I own simply because I sent money to that account from the linked account I have with Robinhood. Im not sure what my bank accounts have to do with proving my identity however, this appears to be more like invasion of privacy and possibly a scam. I do not feel comfortable sending in my entire life savings and every account I own to prove that I am who I say I am. I then sent in writing the same thing I am sending to you asking for them to unrestrict my account being that I have sent in all the information they asked me for. Following me sending the email I was sent with a general message stating the following. 

" Hi, Thank you for contacting us. We understand your concerns. Please note that this is a Robinhood Compliance Department request. Robinhood is a highly regulated entity and for the safety of our customer base, we are required to maintain due diligence standards and fully identify our customers and their transactions. For the security of your information, you can upload the requested documentation via the secured link in the original email. You can also reply directly to this email with information regarding your employment, source of funds, and residency. 
We have placed a temporary restriction on your account for the security and protection of Robinhood and our customers. We need some more information from you before we can lift your accounts restriction. 
There should be an Action Required card displayed in your app. Please tap its prompt to upload the following documentation : A recent PDF bank statement for the bank account associated with the debit card that ends in XXXX and XXXX. Please select the PDF Upload option when prompted. A photo of your bank statement will not be accepted. 
Dated within the last 60 days from a bank account linked to your Robinhood account. 
The statement must display your name, the banks name, the last four of your bank account number, and your residential address. 
Thank you very much for providing the information. Please let us know if you have any additional questions or concerns. We are here to help! 
Sincerely, '' I then responded stating that this is FRAUD. They have yet to explain why they need a pdf of my second account. This is no longer about proving my identity. The investigation process should have shown who I am and that I am in fact the owner of the linked bank account I have with robin hood. Therefore, holding the money I have transferred into the account is FRAUD and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious information. 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. This was already included in my prior complaints, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have been receiving about XXXX calls per day to my cell phone which is registered on both the Kentucky and national no call registries. When I answer the calls there is no one on the line. I have not been given the opportunity to talk with anyone. I have not been contacted by any business or company that I do business with declaring that I owe them anything. I just checked my credit report and there are no negatives on the report. I guard my credit by keeping all debts current. I am never late or delinquent when it comes to making payments. My credit score is always around XXXX. I am totally confident that I owe nothing to anyone and that there can not be a legitimate reason for CBE Group nor any other collector to be calling me.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.