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

I am infuriated, yesterday i got a voice message from Wells Fargo Fraud Department and their requested that I call them back which I did only to be passed from automated to automated response and eventually being kept on hold for over an hour to get a representative on the phone and finally gave up and hung up. It's XXXX now and I finally got a call back at XXXX today only for the bank representative to tell me that they have denied my fraudulent claim due to the fact they I was able to log into my online banking through out the periods of said transaction, this is their reason for denying my claim, insinuating that i must have seen this charges because I went into my account, they made they judgement based on insinuation of my awareness of my account being used which to me is absolutely benign. They was not even the decency to ask me any question regarding the log ins on my account the during the period and why i hadn't seen any of this transaction. I could feel XXXX XXXX XXXX as well as my XXXX XXXX going up as I was talking to this rep, and as a XXXX survivor who is pre disposed to XXXX XXXX XXXX my intensions was to stay calm n centered and blow up. After I told her the reasons I access the mobile banking and also what prompted to go through my accounts after seeing a video on XXXX that talks about bank hidden but heavily focused on Wells Fargo several malpractice which led me to discover unauthorized transactions. I had to step out side to cool my head and come back and call CFPB and I was suggest to put a claim. 
FYI I asked the rep if I can get documentation that supports their judgement and she told she will apply for some kind of appeal of this situation cause there's obviously no financial legal code that led them to their accusation, and I say accusation at this point because that's literally what their assumption means. 


Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX
Product: Money transfer, virtual currency, or money service

1. Initiated international wire transfer to a brokerage account overseas on XX/XX/2021 2. Duly filled all necessary documentation with XXXX XXXX ( now aka Lending Club ) 3. I received the docusign, verified by the bank, stating {$3100.00} was wired to XXXX XXXX XXXX XXXX in XXXX and XXXX, XX/XX/2021. I paid the wire transfer fee of {$40.00}. 
4. I transmitted the docusign as receipt to my beneficiary : XXXX XXXXXXXX XXXX XXXX ( XXXX ) 5. After about one week I enquired of XXXX why my trading account had not been credited. I was informed by XXXX that their bank ( XXXX XXXX 's ) had not received the funds. 
6. I contacted XXXXXXXX XXXX severally after this, by online chat and by phone : a ) They acknowledged the funds had been withdrawn from my checking account b ) The bank assured me the wire had been successfully sent. 
7. The beneficiary requested for a form -- XXXX XXXXXXXX - so they could pass to their bank for further investigation. 
8. I have requested the said form from XXXX XXXX for several weeks now but the story is the same : they will email it to me. 
9. lately, XXXX XXXX  seems to dismiss my status update request with : when we have more information we'll contact you. 

Now, I just want to know 1 ) Was the wire sent? 2 ) can I have the XXXX form. 

Note : I have successfully used this bank ( XXXX ) on more than 7 occasions in the past, funding my trading account at this same broker via same bank ( XXXX XXXX XXXX ). 

XXXX/lendingClub should be aware that my trading account has suffered due to this delay.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in their reporting, amounts, and dates.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a lawn mower from Home Depot for {$440.00} dollars. They advertised {$50.00} credit for a purchase of {$300.00} or more if i sign up for their credit card. The credit card company offering this is CitiBank. Now Home Depot offered {$5.00} off my purchase if i signed up to recieve email notifications so I signed up for that. Home Depot states that they are denying my {$50.00} credit for signing up for the credit card because they gave me {$5.00} off for signing up for email notifications. This is bait and switch. Both are legitimate offers and followed the rules when applying for each. There is nothing that states these two separates deals may not bed used together because they are unrelated. One is for HomeDepot, the other is CitiBank. I am asking Home Depot to apply the {$50.00} dollar credit that is owed to me for singing up  for the credit card. If they wish, they can deny my XXXX dollar off coupon and I can use it for my next purchase but the {$50.00} credit is owed to me since was approved for their credit card.
Product: Debt collection

XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, XXXX XXXXXXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX XXXXXXXX XXXX nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Someone fraudulently accessed my current lightstream online profile and applied for and took out a loan in the amount of {$25000.00}. This was deposited into an account I never use and do not regularly monitor and was somehow set up for auto payment out of this account which had been coming out without my knowledge until XX/XX/XXXX. XXXX never sent me notification through mail or any means at all of this loan being taken out in my name. I did not become aware of this fraudulent loan until when I became aware of other identity thefts in early XXXX in my XXXX and XXXX Bank accounts. This led me to discover additional thefts from XXXX, including this loan and another fraudulent transfer. We know the address of the person who committed the identity thefts and it is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After discovering these identity thefts, I immediately placed fraud alerts on my XXXX credit reports, filed an identity theft report with the FTC and sent this information to all credit reporting agencies and creditors impacted. All other companies have responded and taken appropriate action on the accounts and inquiries that were a result of the theft. XXXX has failed to respond to my notices and apparently sent notice to the credit bureaus that they certified the account information was correct and added it back to my report. I am asking XXXX to please review the Identity theft reports provided to them and remove this account from my reports as it was opened as the result of identity theft and was not opened by me. Their unwillingness to cooperate is a violation of my rights and I expected more from this company. I have taken out 2 other loans with this company in the past and have had no issues. However, this loan was taken out fraudulently in my name under my account and I am not responsible for it.
Product: Money transfer, virtual currency, or money service

My western union account was hacked and my debit card was used to make two transactions of the amount of {$200.00} totaling the amount of {$400.00}. I started a fraud case with western union they refuse to help refund my money and just have me going back and forth with XXXX. I just want my money back due to neither company being able to help me I will have to proceed with legal action against western union due to my information being exposed and failure to protect me from this fraud that was done against me. The evidence western union sent my bank says the transaction was made in XXXX, I live in XXXX  and have never been to XXXX. Neither company wants to help me get this resolved just wasting my time calling them trying to get a refund.
Product: Student loan

I saw the article about Navient online and realized that I have an extra {$10000.00} on my balance because I was told to " defer '' my loans XXXX times! I was under the impression from the representative I spoke to that this was a sort of " hold '' on my account that would basically " freeze '' my account until I could afford the payments. Now I know this was not the case and have even more to pay back!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX 5 years ago which included a cellphone and hub device. The hub device wasn't compatible with my account so I brought it back and cancelled my account. The store was not a XXXX corporate store. A month later I get a call from XXXX 's billing department saying my bill wasn't paid and I responded that I had brought the equipment back to the store and that the store said they closed my account. XXXX corporate stated the store have the authority to cancel an account only the retention dept has that ability. She told me that I could pay the bill over the phone and then she would close out the account. I paid the bill even though I didn't have the equipment and only used it for a few days. Months later a collection shows up on my credit report from XXXX and when I called they said I had an early termination fee that I for the equipment that was incompatible for my car, but I wasn't told that when I cancelled in store or over the phone. I then paid the early termination fee to XXXX because the XXXX collections dept said over the phone that they are sorry but will delete the collections. I paid for equipment I didn't use then paid for an early termination on the same equipment to avoid getting a collection and they gave me one anyways that says Paid. All this was evidenced by my billing history with XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was XXXX paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make XXXX  months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me XXXX days late every month until XX/XX/XXXX. They should have only submitted the XXXX late payment from XXXX but have shown me late even when making all payments at their new amount on time since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports thanks
Product: Mortgage

I was laid off XXXX due to Covid-19 and applied for forbearance with Amerihome Mortgage / XXXX. I was forced to make the XX/XX/2020 payment, and they started my forbearance in XX/XX/2020. This is using my first month of forbearance and they refuse to correct the start date to XX/XX/2020. They have stated that I am past 12 months of forbearance and that is more than they typically offer. They are blatantly trying to ignore the Covid-19 mortgage assistance coverage provided by the Cares act and all other federally mandated extensions. They call multiple times per day and start each call by intimidating you with " we are attempting to collect a debt, you are past due {$110000.00}. Would you like to make a payment? ' completely ignoring that you are in forbearance until you remind them. This is abusive, misleading and harassment to be subject to these calls and omissions of pertinent facts. The waiver to use the website is insane. I don't think I should have to give up my rights to anything just to view my loan documents or forms. After the 4th call I spoke with XXXX in customer service - call letters XXXX- who was the most helpful person, answered all my questions, got me the info I needed and set up a supervisor call back to resolve the issue that was not in her department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I have been working hard to increase my XXXX  score. In XX/XX/XXXX I tested positive for XXXX and developed XXXX XXXX. I was out of work for 3 months and developed severe XXXX XXXX resulting in having to file for FMLA through work. During my time off I called Chase Auto Finance and they did work with me and deferred some of my payments to help decrease my stress during recovery. However, 3 months was not the only recovery I have needed. I had to extend my FMLA on several occasions. The last time I had to file for FMLA Intermittent leave was from XX/XX/XXXX to XX/XX/XXXX. Back in XX/XX/XXXX, I had to use some leave as I got XXXX again, not as bad but needed some time off work. I called Chase Auto Finance twice in the same week nearly in tears asking them to help me again, I didn't want my payment to be late as I worked so hard to increase my XXXX  to XXXX. I spoke with two different people and they both denied a deferment stating that I did not meet the requirements for the deferrment. I called Chase Auto financial and spoke with the Supervisor, XXXX, on XX/XX/XXXX and explained my situation and asked if there was any way he could reconsider reversing my 30-day late notice to the credit reporting bureau , he said he could not. I explained to him I have been working hard to get my XXXX  stable and that I did call asking for help and was denied twice the same day when reaching out to Chase Auto Financial to try to avoid this late payment. I am not sure if there is anything you can do to help me. But what is the point to reach out for help if the financial organization shuts you down and lets you face a late payment over trying to help people during a global pandemic. I am a XXXX and unfortunately, I work in the XXXX  setting and risk my life and health every day being exposed to XXXX on a daily basis. Me contracting XXXX twice within two years is nearly inevitable being that I XXXX XXXX XXXX XXXX XXXX XXXX setting with close contact with XXXX. Please, if you can help me, I would greatly appreciate it. 

Thank you for your time. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On XX/XX/2020, The merchant XXXX issued a credit in the amount of {$200.00} towards my American Express Serve card, however American Express claims that the credit is still being process. The funds were already credited by merchant, American Express is delaying the refund because they play with your funds for several weeks to gain interest. American Express ones again has engaged in Florida 's Unfair Business Practices. Funds must be released immediately!
Product: Credit reporting or other personal consumer reports

A schools first car loan was opened for a used car. 
Schools first receives payments on time from me and continously has reported late payments, without demonstrating any proof or evidence to substantiate the claim. 
Account opened : XX/XX/XXXX Account amount : {$30000.00} I went into the branch and personally spoke to the manager and called customer service for schools first to correct the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Credit Collections is inaccurately reporting a debt on my credit report across all major credit bureaus ( XXXX, XXXX, and XXXX ), in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e. This debt does not belong to me and appears to be a result of identity theft, likely linked to the 2017 XXXX data breach, which exposed millions of consumers ' personal information. Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report only accurate and verifiable data, and under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations. I have disputed this inaccurate account with the credit bureaus, yet Credit Collection has failed to provide proper validation or remove the false information, which continues to harm my credit score and financial standing. I am requesting that the CFPB investigate this matter and require Credit Collection to immediately remove this fraudulent account from my credit report.