23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello, I am writing to bring up a case of negligence in handling a wire fraud incident that I fell victim to. I believe that inadequate procedures and actions have led to the loss of a significant amount of my funds and have caused considerable distress to my family and me. 

On XX/XX/2023, I was targeted by fraudsters who impersonated our title company and deceived me into wiring {$87000.00} from my Wells Fargo checking account to a fraudulent account at XXXX. The fraudulent nature of the transaction came to light the following day, prompting me to report the incident to Wells Fargo immediately. I also took further action by filing a complaint on ic3.gov. 

Following the incident, both Wells Fargo and XXXX were engaged in the investigative process. XXXXXXXX XXXX  Wire Fraud Department not only verified the presence of the precise amount within the fraudulent account but also ascertained that the said account had been promptly frozen on XX/XX/XXXX. On XX/XX/XXXX, a representative from XXXX 's XXXX branch confirmed the frozen status of the account to me and conveyed that it was slated for closure within 30 days, assuring me that the funds would be returned to me within this timeframe. Despite these confirmations and assurances, the subsequent course of actions have been markedly disappointing. 

Regrettably, I must inform you that Wells Fargo has taken a concerning stance. They are currently refusing to provide me with assistance by sharing the findings of their investigation, despite my exercise of the right to documentation. The information contained within this document, coupled with the statement from the Wells Fargo banker regarding his communication on the frozen status of the account, holds critical significance for my pursuit of repayment from XXXX. 

Despite my proactive efforts and cooperation, the situation has escalated into a complex ordeal, where not only the mishandling of the wire recall process by XXXX has resulted in severe financial and emotional consequences, but also Wells Fargo 's reluctance to provide necessary information further exacerbates the distressing circumstances. 

I am seeking your intervention in this matter to address the negligence displayed by both Wells Fargo and XXXX. The disregard for proper procedures and the mishandling of the wire recall process have resulted in the loss of our hard-earned savings and an overwhelming sense of injustice. 

I kindly request that your office investigate this incident thoroughly and bring the unjust bank practices to light. Additionally, I am seeking guidance on potential avenues for recovering the wrongfully released funds, including any assistance your office may be able to provide in cooperation with relevant authorities. 

Thanks, XXXX XXXX ( P.S. I am happy to provide any necessary documents that I have regarding communications that I had with XXXX and Wells Fargo to assist in this investigation )
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

i submitte to dispute with equifax to have my correct name spelling updated i tried twice, i got no luck my name is XXXX XXXX they are reporting me as XXXX XXXX! 
'i submitted drivers license and passport
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items 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 Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Balance : {$420.00}
Product: Credit card

XXXX XX/XX/year> my Bank of America XXXX credit card information was used to purchase 3 theme park tickets to XXXX XXXX XXXX for {$530.00}. 
-When I noticed the transaction on my statement sometime in the first couple weeks of XXXX, I immediately called the bank to dispute the charge and file a claim. They credited my account the {$530.00} and I waited to hear the resolution. 
-I also reached out to XXXX myself to see what they could gather on their end. They could see the transaction, but believed that it was not me that made the purchase. I have a history with XXXX and my own account with them. This transaction was not linked to my XXXX account. However, the purchaser did use my name and my credit card details to make the purchase. 
-On XX/XX/year> Bank of AmeriXXXXa responded with the information that they did not approve my claim because " The merchant provided documentation confirming you received the merchandise or service. '' -Of course I called and filed another dispute claim with them. Again, I called XXXX and was told they have seen this kind of activity before. The really " smart '' ones purchase tickets outside the gate and use them right away. This was our case. Unfortunately, when the BOA fraud team contacts XXXX, they only see that goods were rendered. 
XXXX sent me the requested documents so I could see what they used to make their decision. The copies are poor quality, but I can make out my information as the purchaser. I can also see the names that are associated with each of XXXX tickets. The first names I do not recognize and the last name used was mine. 
XXXX XXXX BOA once XXXX did not approve my claim and gave the same reason. 
XXXX filed right away for the third time and once again was given the same response on XX/XX/year>. 
- BOA once again has opened the dispute for the XXXX time. They said I should call and see if XXXX can provide me any proof to support my claim, I have done so and am waiting to hear back. This is what BOA should be looking deep into given the information I have already passed on to them. 
-I am filing a police report with XXXX XXXX Florida and filing with CFPB. 

**Note that i have NOT responded to the Dispute Response with anything other than filing a new dispute. I have not agreed to take any responsibility for the charge. 
**Also Note that the document images i am sending are what I was sent by BOA XXXX support their decision about my claim. It is practically unreadable. Also, I only have the copies of XXXX letters disapproving my claim. The last one has not yet arrived.
Product: Debt collection

AFNI sent me a letter dated XX/XX/XXXX, but it was not received until XX/XX/XXXX. I am enrolled in the USPS informed delivery which proves the date it was delivered. 10 days to receive an intrastate letter via USPS to a major city seems doubtful. Rather I suspect the company intentionally delays sending the letter to reduce the amount of time I have to dispute their claim ( which is an obvious mistake in itself ).
Product: Credit reporting or other personal consumer reports

I'm not aware of when the account was created but i have a debt as an authorized user on a PNC bank card that I've never used
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 # XXXX, i put in my first complaint through CFPB to Transunion, They did not record current status of of disputed information and the reinvestigation took longer than 30 days. According to 15 USC 1681i! THEY LAW IS THE LAW AND THEY BROKE THE LAW!! THOSE ARE TWO VIOLATIONS! I put in another complaint on XX/XX/23 # XXXX letting them know that they took 30 days and that no record of the items being disputed was recorded. They chose to keep playing games and say they are still working on it and say som disputed take 60 days. again the law is the law! According to the law you only get 30 days for investagations and a extra 15 days which makes 45 if i give new information during the time of the investigation which is not the case. They claim that even though on my end i can't see that my disputed were being record they can see it on there end, it does not state that that is ok in any law dealing with USC CODES EVERYTHING IS SUPPOSE TO BE CLEAR AND CONSPICUOUS AND IN A REASONABLY UNDERSTANDABLE FORM! They did not reply until XX/XX/23 that is well past 30 days and on my online account under where the disputed claims are it only shows on dispute and that is from XX/XX/23 which is a different disputed and again my disputed should show old disputed and active disputed the fact that only one is showing further proves my point that no record of my disputed was show or available to me. it showed that when i first put disputed in and it still shows that i only had one disputed open even if that was a technical error on there end that is their problem not mine and it still a violation my rights. By law the account that were originally disputed MUST BE DELTED AND I SHALL RECEIVE {$1000.00} FOR EACH OF THE LAWS/VIOLATIONS THAT WERE BROKE! If not a FTC REPORT WILL BE FILED FOR CONTINUING TO KEEP ITEMS ON MY REPORT IS FRUAD AND IDENTY THEFT AND XXXX  WILL BE CONTACTED AND Arbitration will be filed DO NOT XXXX PLAY WITH ME I KNOW MY RIGHTS IM TIRED OF PLAYING GAMES!
Product: Debt collection

I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.
Product: Mortgage

Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finance is attempting to ruin my credit on purpose. I had an auto loan with them. My car was totaled in 2020 capital one incorrectly billed me and reported a balance after car was paid I disputed the charges numerous times to no avail. Subsequently we came to a settlement amount. The account was fully paid last week. After that I filled a XXXX  complaint requesting capital to reflect the account was paid. After that complete was processed capital one restricted access to my account. I paid the account last week. Today I was alerted the account was reported as delinquent and dropped my score by XXXX points. I'm so upset. This is so Wrong. The account is paid. And they have reported it as delinquent. I will make complaints daily to every government agency possibly until this is fixed. I feel this was done out of retaliation due to my previous complaints. This is so wrong. The account is paid. You all have restricted access to the paid account and have reported incorrect information I will get a lawyer involved. I have already made complaints to the nys attorney general. This company has caused my home buying process to he halted due to reporting to the credit bureaus incorrect info which resulted in an immediate XXXX point drop. This is so wrong. I want this fixed. 
Please help I don't know why they are doing this me!!
Product: Checking or savings account

Please see attached PDF document. 

Overnight XX/XX/XXXX, more than {$400000.00} illegally stolen from my business checking account at Regions Bank in XXXX, FL via unauthorized ACH transactions. No one contacted me to verify transactions, no one at Regions stopped the illegal theft. 

I contacted Regions Bank Fraud department immediately XXXX ET Friday XX/XX/XXXX when discovered theft had occurred. Regions Bank has failed to reimburse, spent almost ( XXXX ) months being jerked around telling me Regions Fraud Department was trying to recover stolen funds. Regions Fraud should have immediately canceled ACH transactions, refused to do so. 

XX/XX/XXXX I hired an attorney. XX/XX/XXXX submitted complaints to XXXX XXXX XXXX Theft Department and submitted filing on XXXX website . 

No one is getting anything accomplished to return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX and XX/XX/XXXX, loans should have been deferred, Department of Education has place 2 late markings on my credit reports. I have written letters and completed the dispute form and mailed it as directed however, to no avail.
Product: Checking or savings account

My bank allowed fraudulent checks to be deposited and some withdrawal. The checks did not have the proper address nor my signature. They did not catch these checks in time and now have closed my bank account due to negative balance from them withdrawing the checks back. I have called my bank and try to fix this and they claim I owe them money. They State I have used XXXX XXXX to make transactions but I know I do not use this app. They're claiming I gave out my mobile banking information to someone. I just want them to refund my money that I had my account because now I'm going on two weeks without money trying to take care of my two year old and my bills are about to be shut off because of their mess up.
Product: Debt collection

I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : XXXX XXXX XXXX  Account XXXX Creditor : XXXX XXXX XXXX
Product: Checking or savings account

I have received a credit report in noticed unauthorized account on my credit report with Early warning and XXXX  XXXX XXXX account # XXXX please remove me out your check system I have already filed a police report.
Product: Bank account or service

This is in regards to XXXX and the illegal transactions posted in my XXXX Bank account. I 'm not going to drop this issue until you acknowledge the fact that Finpari.com is an illegal company and every transaction from them is null and void. I will not accept your previous " determination ''. The SEC and CFTC even says that Finpari.com is illegal. I urge you to contact them so we can be done with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

This is not verified. I contacted the bank and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within XXXX  days!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Mortgage

My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.