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

On XX/XX/XXXX, I sent a wire transfer using my Wells Fargo checking account. I sent the wire using online banking. Under Fee, it showed {$0.00}. My account had never been charged for wire transfers before. I later saw a {$45.00} wire transfer fee on my account. I called Wells Fargo and the person asked me if I still worked for the company and I said I didn't as of XX/XX/22. He said that he sees my account under a team member account and that it shows no fees for wires. He then said he thinks because I'm no longer a team member that's why a fee was assessed. I explained that I didn't receive any notification about account changes and that at the time of the wire it showed {$0.00}. I explained that I didn't consent or was notified about a fee and asked for the fee to be waived. He put me on hold and came back with a next level of support. The supervisor said he wasn't sure why the call was transferred to him since I was already informed that the fee was charged because I'm no longer a team member. I explained to him that I didn't ask for a transfer but simply asked for my fee to be reversed since I didn't consent to it and was not informed prior to sending the wire. He then asked me to contact the company 's Human resources for employees. I explained to him that I'm not calling as an employee but as a consumer and there was no reason I would need to contact HR. He said he couldn't help me with the fee reversal. I asked to speak to someone higher and he said that he was as high as I would get. He then said he can file a complaint for me but gave me a hard time when I simply asked for a complaint number and nothing more. I was treated differently simply because I was a former employee and was not treated as a consumer. I was also charged without my consent. I attached a copy of my wire receipt that shows that my fee would be {$0.00} for the wire.
Product: Credit reporting or other personal consumer reports

This is the several time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX that used Comenity banking system. Their website has always been difficult to navigate. Plus quite often having maintenance issues. During XXXX and XXXX of 2022, their site was going to be down for couple days for repairs but it was down for most of 2 months. They were thoughtful enough to put up a disclaimer that they apologize for any inconveniences and blah blah blah wouldn't be charging any late fees while access to their website was down. Around first part of XXXX they installed a quick access to make a payment but it was non functioning also. Towards the end of XXXX, I wanted to pay this credit card off but it took half of XXXX to do so. I was able to log on and used the pay in full feature the website provided. Day or XXXX later I was able to get logged back on again and checked to see it was paid off. It showed XXXX balance and I canceled the card. Then in XXXX I got email that that I had late charge on credit card. I tried to contact them and also sent email through their website but to no avail. I had no reason to check an account that had been paid off and closed. Would think if a person paid off an account and then closed the said account, they would not be checking it again. I didnt figure they would try to scam me on a {$20.00} interest charge that they had been posted late. I suppose during this time, Comenity was too busy with the selling of their interest to Brands.
Product: Checking or savings account

Bank is not releasing my money. Check payees are verified, pretty sure it's a cashier 's check. They say they can not verify XXXX 's phone number. XXXX is the XXXX the account was held at that was closed out and the check issued. Their phone number is listed on their website, consumer information sites, government websites- and is a 1800 number that they pay for and register to themselves. Chase bank 's loss prevention department says it is not verified in their system ( that is based off of public record ) so they can't call it to verify funds. I have provided email correspondence from XXXX verifying the check. They refuse to release my funds. There is no number verified in their system to call and verify the chrck- though it has already cleared and they are just holding my money. It is XXXX This is negatively impacting every aspect of my life and causing extreme problems. I can not retain custody of my children over this. I can not purchase a vehicle. I have food insecurity. It is wrong.
Product: Mortgage

In XX/XX/XXXX we were struggling with our mortgage payments on our XXXX mortgage with citibank and we were underwater. They were offering loan modifications so we signed up. We had been in the house for 35 years and wanted to stay. That process of loan modification began a 2 year paperwork nightmare during which they told us to make {$1200.00} a month payments because that 's about what our future payments would be and we did. During the process they readily admitted they did not know exactly what they were doing. Eventually we were notified that our modified payments would be {$2200.00} a month, which is {$100.00} less than we had been paying before we started the modification process. The girl from citi actually said " Whoops! Guess we got that wrong! '' In addition, they applied back interest so instead of owing XXXX we now had a mortgage of if memory serves {$230000.00}. They agreed to a short sale but would not modify our mortgage to {$170000.00} and let us keep the house. We let it fall into foreclosure and citi sold it for {$80000.00} since it had fallen into disrepair, a couple of years later to a house flipper. At the very end they transferred our mortgage to XXXX who tried to collect money from us.but somehow citi was still the bank that foreclosed. The house flipper spent about {$20000.00} to refurbish and sold it some poor unsuspecting person for {$400000.00}, more than {$50000.00} above appraised value. Citi ruined our lives by stringing us along for two years thinking we could keep our house with a loan modification and then making it impossible. It ruined our lives and we will never recover because at the time we were already into retirement age and now we are in our XXXX. I knew we were scammed but I could n't prove and still ca n't because I do n't know what went on behind the scenes. I suspects their confused and untrained representatives stuffed and maybe destroyed documents they had no idea what to do with. It is now XX/XX/XXXX and I have only now been able to rise above the devastation enough to put into words what little I know about what happened to us.If citi had been honest instead of stringing us along for years, we could have sold the house and walked away with, probably with no profit but at least without suffering forclosure and bankruptcy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, my credit report contains names that are not associated with me. This erroneous information is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information and correct or delete any inaccuracies within 30 days. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. The presence of incorrect names on my report indicates non-compliance with these provisions. 

I request that the CFPB take immediate action to ensure the removal of any and all incorrect names from my credit report. Attached, please find a copy of my identification and a copy of my credit report incorrect information for your reference. 

Please provide written confirmation of the removal of this inaccurate information at your earliest convenience. If further information is required, I am available to provide any necessary documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a unauthorized and fraudulent account named XXXX XXXX XXXX  on my credit report and after disputing it multiple times with Transunion and making them aware of it being unauthorized Transunion continues to report this account on my credit report forcing me to be denied housing and also blocking my right to have a fair credit report with only accurate information
Product: Debt collection

On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus XXXX  and Transunion remove this collection and they have still not. Please HELP!
Product: Debt collection

XX/XX/year> My property consultant notified me of having false marks on my credit and to notify the companies as such. 

I contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX contacted back and requested of bunch of information just to get told they can't remove the false information. I told them they should already have a dispute in because I sent directly to XXXX. Which shows XXXX did not do their part. 

I contacted my consultant and let them know about the issue and it was suggested that I contact you for you to get the negative false info removed!
Product: Credit card or prepaid card

Payments were made to XXXX MASTERCARD ( 17 ). I pay my bills by XXXX bill pay, so one digit was put in incorrectly into the system, the payments got lost in the system. It was caught many payments later. I explained what happened to XXXX. After months of dealing with overseas tele representatives, who really did not know what was going on, they decided that I really wanted the payments that I made on my card to be made on my husband`s card. NO notice give, they took the credits from my account and put them on my husband`s account. Is that even legal? I have all the transaction and trace numbers. I really would like this matter to could to some resolution and quickly. I even had one representative tell me " that`s a lot of payments for one month ''. meaning, I must have meant some of them for my husband. 
payments start from : XX/XX/XXXX XXXX {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$200.00} XX/XX/XXXX " {$150.00} XX/XX/XXXX " {$120.00} XX/XX/XXXX " {$300.00} XX/XX/XXXX " {$250.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} All these payments were deducted from my account and deposited to my husbands account, however they should have been deposited to his account and my account left. I have all my credits for my accounts too as proof of payment, that they were meant to go to my account. I am not a well person and we have financial difficulties as are many families at this time. we certainly do not need this. 
One foot note to add is I pay all the house hold bills, so the check will have my name on it, but the account number is my husbands. the fourth from last digit was incorrect on the account. my number is nothing like my husbands number.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made 3 transfers from my chime account to my external XXXX account I sent over {$1.00} first and that went thru just fine.. I then sent over {$150.00} that never deposited into my account.. I then sent over XXXX that went right into my XXXX account.. I called chime to see why I didnt see my XXXX I was advised to wait 24 hrs.. I waited and my funds never deposited.. I also verified with XXXX and they also confirmed funds never settled into my account .. CHIME will not retract my funds or show me where they went.. I need my {$150.00} back ..As you can see I have sent all transfers the exact way! Nothing different.. you can also see the {$150.00} came out my chime account
Product: Debt collection

Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.
Product: Credit reporting or other personal consumer reports

Equifax is reporting that i have an account that is reporting i have a late payment which is incorrect. please remove off of my account. Equifax is not reporting correct data and is not updating my score. please remove ALL " late payments " or " potentially late " off of my account. Those items are incorrect.
Product: Debt collection

I was called and harassed by this company they used profane language and violated my consumer rights The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what bill collectors can do when attempting to collect debts from consumers. The FDCPA prohibits debt collectors from : Calling your cellphone in certain situations Placing repeated or continuous telephone calls to you Having telephone conversations with you with the intent to annoy, abuse, or harass you Communicating with you at any unusual time ( generally before XXXXXXXX XXXX or after XXXXXXXX XXXX in the consumer 's time zone ) Communicating with you at any place that is inconvenient to the consumer
Product: Debt collection

Dear CFPB, I am writing to formally request an investigation into the inaccurate and incomplete reporting of accounts on my credit report by the three major credit bureaus ( XXXX, XXXX, and XXXX ). These inaccuracies are negatively affecting my credit score and financial well-being. 

Specifically, I have noticed that the following accounts are either being inaccurately reported or should not be on my credit report at all : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX Southwest- {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX- {$410.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX I have disputed these accounts with the credit bureaus, but they remain on my report. I believe that these debts are either incorrect, outdated, or should not be associated with my credit profile. The failure of the credit bureaus to report accurate and consistent information is causing undue harm to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. I request that the CFPB take action to ensure that these accounts are properly investigated and, if found to be erroneous or unverifiable, immediately removed from my credit report. 

I appreciate your prompt attention to this matter, as these reporting errors are impacting my ability to secure financial opportunities. Please provide me with an update on the status of my complaint as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA IS IN VIOLATION OF FCRA, FDCPA, DODD FRANK ACT, METRO 2 COMPLIANCE ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has 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 In accordance with the Fair Credit Reporting act XXXX Account Experian # XXXX, has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of Limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account from my report immediately : Account name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX.
Product: Checking or savings account

In XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, while I was XXXX my home was broken into and my wallet/ bank card and other personal information were stolen. And my bank card was fraudently being used. Apon my release I contacted b.o.a and filed a claim. Ive filed a police report and I've also filed a FTC identity theft report as well. 
I faxed a copy of my XXXX XXXX that was provided XXXX XXXX XXXX that shows my date of XXXX and a date that I was to be released.. I faxed a police report and the FTC report as well. Bank of America keeps denying my claim showing no support for their decision. I provided more then one documents that support my claim. And I feel b.o.a is not honoring there 0 fraud liability.