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

WELLS FARGO FRAUDULENT CHECK CASHING ON MY BUSINESS CHECKING ACCOUNT 1. Wells Fargo cashed TWO checks that do NOT have my signature on them. One on XX/XX/XXXX and another on XX/XX/XXXX. I first reported fraudulent activity by phone. They set up an appointment which was supposed to be with a business banker. They told me to go into a branch the banker would finish the process. After having to pay for parking in another location, the branch does not have parking I met with : XXXX XXXX XXXX, Personal Banker II Wells Fargo Bank, XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, FL XXXX XXXX XXXX Tel XXXX | Fax XXXX After XXXX finished playing with her new XXXX, she supposedly reverified my business information even though my checking account has been open with them since XXXX. 

They then shut down my account because they even detected FRAUD yet they refuse to reverse transactions on two of the checks that I DID NOT SIGN. The signatures no where near match my signature. 

Suddenly, I no longer had access or the history of the information on the old account. To make matters worse - Wells Fargo does NOT show check copies on their monthly statements and after my account was closed for FRAUD, I could no longer access the information such as past check copies via the online portal. They promise to keep information online for digital customer for 7 years. That is not true. This information is NOT on the monthly statements. 

To try to help, XXXX promised to review all checks for incorrect signature matches. She didn't but she did send me nasty demanding emails. Being distracted by her new XXXX, she had failed to have me sign something. 

To further make matters worse, I could never see what I was signing because the signature pad is not connected to a screen that can be read. 

When I finally went through my statements and balanced my books with my bookkeeper who found two additional checks that had been cashed by Wells Fargo that we did not write. One was for XXXX/XXXX for {$2400.00} and the other on XX/XX/XXXX for {$4000.00}. 

I asked for print outs of the checks. Supposedly they could not access the checks to digitally send to me. After weeks of waiting, I received the mailed the copies. 

When I received the copies by mail I immediately reported them as fraud. They are not my signature nor are they in my handwriting. 

XXXX proceeded to call me for a very long time with voice messages to come back to the bank. I offered to meet her at my place of business but she stated she was not allowed to bring paperwork to me that it was all digital. In short, Wells Fargo customers and consumers are being manhandled by someone somewhere. I will be moving banks but first I need MY MONEY back. 

See XXXX XXXX  emails regarding my signature and response in the Attached Labeled : Wells Fargo Fraudulent Checks 2. Wells Fargo also cashed checks that had a XXXX  XXXX XXXX logo with my account and routing number on them. I am trying to locate these screenshots. They are trying to cover this up.
Product: Mortgage

We have a VA Mortgage With CMG Financial. We were in the middle of the loan assumption process, which was taking longer than 45 days. The underwriter received the packet in the mail and was to begin processing on XX/XX/year>. on XX/XX/year> the buyer receiver a letter in the mail stating CMG have not hear from the buyer in 30 days so they were going to close the loan assumption. But that goes completely against what we have received from the underwriter saying that they have received communication from the buyer because they received the packet XX/XX/year>. When I called to speak with a supervisor they proceeded to tell me the loan assumption process has stopped because our loan was sold to another company XXXX XXXX, to this date was have not received any notification that our loan was to be sold this is all without out knowledge.
Product: Debt collection

this company Hunter Warfield keeps calling my phone everyday at all times of the day ; the latest call I received being at XXXX XXXX. I have asked them multiple times on their recorded line to place me on a XXXX list and to stop calling me and I am still receiving calls from them and other companies representing them DAILY, even after their " 30 day XXXX grace period '' has passed. I have asked them to stop harassing me and they will not stop. I have also asked them to explain the debt and what its from and MULTIPLE different agents have told me that " this is an attempt to collect a unpaid loan/housing debt for XXXX '' but i would NEVER take out a XXXX loan EVER. I'm not sure that the agents who work there even know what they're doing because I've been told different things from every agent who i spoke to which is why i stopped answering the XXXX calls they give me a day.
Product: Credit reporting or other personal consumer reports

Inquiries I don't recognize : 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: Credit reporting, credit repair services, or other personal consumer reports

Please refer to cfpb complaint number XXXX. Experian states that their third party vendor XXXX XXXX has verified that the account is accurate. I spoke with XXXX XXXX again to reverify. They sated that Experian must run my information through there system again and it will verify that not only do I not have the original account in question but I now do not have the other account as I was in dispute with XXXX XXXX at the time of the original complaint. Experian is sending generic letters without doing their due dilligence,. They are not following the Fair Credit practices set forward as the agency they claimed to have verified said accounts are saying that they have deleted these accounts as well as reported the deletion to experian who refuses to remove the erroneous accounts. I have attached documents verifying one account was not listed as of XX/XX/2021 and the XXXX not listed as of XX/XX/2021 via XXXX XXXX XXXXXXXX documentatoin.
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 3 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 items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.
Product: Debt collection

This bill was paid in full and the company is saying I owed in finance charges this is unbelievable my account was paid off and after My account was paid off then they send a next bill saying thats the finance I paid chase bank in full
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I XXXX have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation of the law! According to XXXX XXXX. XXXX Section XXXX ( a ), I have the right to privacy. Additionally, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, XXXX XXXX. XXXX ( a ) ( XXXX ) specifies that no consumer reporting agency XXXX include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX years. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Student loan

I now have been enrolled in the Public Service Loan Forgiveness Program for 10 years. I should have been able to apply for forgiveness by now, but between FMLA for maternity leave, and one stretch where I did not work right after after the twins, I have to work for an additional year. At this rate, I will be on track to apply for loan forgiveness in about XX/XX/XXXX or XX/XX/XXXX. 

Here is the issue, and this is why I am writing you today. Beginning in XX/XX/XXXX, I began requesting a list of the total number of payments toward my 120 payments from XXXX, the current servicer of my loans. Between XX/XX/XXXX and now I would say I have contacted XXXX on more than 10 different occasions to follow up on this request. When I inquire about the request made in XX/XX/XXXX, I simply get the response your request is still being processed. I am VERY concerned that this will result a delay in my loans being forgiven. 

Now, another issue has come up. When I went to look at my history of payments on the XXXX XXXX website today, I only saw about 47 payments posted. All the payments I made in XX/XX/XXXX are missing. In late XX/XX/XXXX I was told that after they calculated by income based payment, my monthly payment was {$0.00}. I couldnt believe this and was very skeptical. I asked MANY times you are telling me that a {$0.00} payment still is counted towards the 120 monthly qualifying payments? Over and over again I was told yes. 

Today, after I saw all of these missing payments, I called XXXX and spoke to employee XXXX. I told her about my concerns about 1 ) My request from XX/XX/XXXX still not being processed and 2 ) my missing payments from XX/XX/XXXX. This employee told me your request from XX/XX/XXXX is still being processed and your {$0.00} payments will absolutely still count, but they are just not listed on the payments history, only actual payments are listed there. 
After this situation today, I XXXX  Public Service Loan Forgiveness Complaints, and I was shocked to see probably 50 articles written stating that " It has been one year since student loan borrowers have been theoretically eligible to have their loans forgiven under the Public Service Loan Forgiveness ( PSLF ) program. And yet, out of the 28,000 borrowers who applied, only 96 have had their loans forgiven. That is less than 1 percent of applicants. This is absolutely shocking and terrifying to me. I am not the mother or the wife that I want to be because I am tethered to my job and working in non profits that work their employees to the bone. I am XXXX, XXXX, and XXXX. I feel trapped, and now I am scared there is no end in sight.
Product: Credit card

I attached the letter and OCC complaint confirmation letter. I have sent this to Capital One via certified mail with a return receipt. XXXX. Capital One continues to break the law. Capital one has closed my accounts and restricted my access unlawfully. I am a consumer and the violation of laws has caused me injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying proof within the legally required amount of time. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian data breach revealed a number of addresses in their file which they called residential of mine but were actually workplaces, my former wifes address, etc. they alsoreessed a huge number of reports on me despite a freeze I requested due to a data breach at a prior employer. I am noe being turned over to collection agencies and I want it to stop.
Product: Debt collection

I received an email with a statement for debt owed to XXXX XXXX from Hunter Warfield on XX/XX/year>. I called the number listed in the statement to dispute the debt. I also sent a letter disputing the debt and asking for verification to the address listed on the statement vie USPS certified mail XXXX. I have not received any additional communications from Hunter Warfield regarding the verification of the debt. I was sent a statement from XXXX XXXX indicating that I was refunded XXXX and my account balance is {XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my complaint was filed with the CFPB. Expierian did not respond with the METHOD OF VERIFICATION as requested in my certified dispute letter dated on XX/XX/XXXX. Experians solution was that I contact the Agency about the incorrect data. I agree. That is why my certified letter requested names and phone numbers of individuals reporting the inaccurate unverified information so that I may contact them. Experian referenced the FCRA. If the Agency can verify the information why was my credit file not identified as disputed 30 days as per the FCRA.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected 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: Debt collection

I was away from work for about a week. When I returned there was a recorded message on my voice mail from MediCredit from XXXX XXXX on Saturday, XX/XX/XXXX. I have given the hospital my home phone and do not want calls to my work phone -- especially at XXXX XXXX   from a robo caller.
Product: Debt collection

I believe I talked to someone about this couple months ago. They refused to tell me details, said I owed it and then hung up on me. Those actions are violation of my right within the FDCPA and consumer right laws. Cease & Desist communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ;
Product: Credit reporting or other personal consumer reports

I requested both XXXX and Experian to remove the fraudulent items from my report multiple times and provided the identity theft report, The items only temporarily remove and then appear later. They have failed to provide verification of the debt when asked you including statements and signatures.
Product: Mortgage

I was sick in XX/XX/. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against PNC Mortgage for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act. 
I filed the above complaint before & PNC Bank N.A . responded that I should get 18 Months Forbearance only but that is not True. I should get 30 Months Forbearance as per XXXX XXXX Guidelines but PNC Bank N.A . made False Statement to CFPB & an Investigation should initiate against PNC Bank N.A . by Department of Justice for making False Statement to the Regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, violated my rights. 

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 of 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 have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft
Product: Checking or savings account

So I lost my wallet and my phone on my birthday XX/XX/year>. I was then able to retrieve it weeks later and didn't look at my bank account that very moment. After reviewing my account XX/XX/XXXX I noticed there was transactions I did not make. I contacted Wells Fargo about it and they told me they'll investigate. I called today XX/XX/year> and they told me I made all the transactions and they can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by Capital One Auto Finance, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote Capital One Auto Finance directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and XXXX  directly, return receipt mail, to notify them that since Capital One was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address Capital One 's data furnishing negligence and willful misconduct. I am hoping that directly disputing Capital One 's data furnishing practices will be sufficient to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Complaint part A. On XX/XX/XXXX, M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX. On XX/XX/XXXX M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX XXXX AS TRUSTEE. At some time after XX/XX/XXXX, and before XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX AS TRUSTEE in M & T Bank 's records and in their notices to me. However, I have not received the Mortgage Transfer Disclosure required by 12 CFR 1026.39 ( b ). I requested that M & T Bank provide the date of the mortgage transfer ; the name, address and telephone number of an agent or party authorized to resolve issues concerning my payments on my mortgage loan ; where transfer of ownership of my mortgage loan to XXXX XXXX XXXX XXXX AS TRUSTEE is or may be recorded in public records ; and the partial payment policy of XXXX XXXX XXXX XXXX AS TRUSTEE. See attach_1.PDF M & T Bank replied by denying that a transfer of ownership had occurred and deceptively asserted that somehow a master servicer ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX AS TRUSTEE were the same owner. See attach_2.PDF Complaint part B. I requested copies of any correspondences that M & T Bank received from XXXX  concerning my mortgage loan. M & T Bank did not provide the correspondences that they received after XX/XX/XXXX.