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

I am writing to file a complaint regarding Wells Fargos inadequate response to my concerns about a missing deposit and an unauthorized withdrawal from my account, which involve significant sums of money and span multiple claims and case numbers. Additionally, the withdrawal slip doesnt have my name written out completely ; it only has the initials of my first name and my last name fully written out. 

Summary of Issues 1. Missing Deposit and Unauthorized Withdrawal : - Deposit Amount : {$17000.00} - Unauthorized Withdrawal : {$15000.00} Despite providing substantial evidence, including video footage of the deposit, Wells Fargo has repeatedly failed to address my concerns adequately. My claims have been dismissed without satisfactory resolution. 

Specifics of My Claims 1. Claim Number XXXX XXXX XXXX Claim Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Despite numerous follow-ups, Wells Fargo has not resolved the issue.

2. Misreported Transactions : - I reported the missing {$17000.00} deposit and unauthorized {$15000.00} withdrawal immediately.

- Wells Fargos response claims these issues were appropriately addressed on multiple occasions ( 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, without a satisfactory explanation or resolution. 

Case Numbers Involved - **Wells Fargo Case Numbers : XXXX, XXXX - CFPB Case Numbers : XXXX XXXXXXXX Additional Claims - Case Numbers : XXXX, XXXX, XXXX - Connections to CFPB : XXXX, XXXX Despite Wells Fargos repeated assertions that my concerns have been appropriately addressed, the core issues remain unresolved. My financial losses, trust breach, and continued distress highlight ongoing failures in Wells Fargo 's investigation and response process.

Requested Action 1. An immediate, thorough reinvestigation of my claims, with proper attention to provided evidence.

2. Adequate restitution for the missing deposit and unauthorized withdrawal.

3. Assurance that Wells Fargo will review and address any lapses in their claims handling processes to prevent future occurrences. 

Thank you for your assistance in this matter. I am committed to resolving these issues and ensuring Wells Fargo is held accountable for their actions.
Product: Mortgage

Roundpoint paid my homeowners insurance IN ERROR. Only my principal/interest and taxes were getting escrowed. I tried calling many times and got different reps that all had different solutions. I paid the {$2500.00} back. They are now sending me a refund because I paid more than their INCORRECT escrow analysis statement and are raising my note {$150.00} a month. I can not get a direct line to any supervisor to get this problem corrected. I have been on hold for over 45 minutes waiting for a supervisor as I am writing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX XXXX XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Debt collection

I wrote and sent check for {$210.00} on XX/XX/23 for Medical bills to XXXX. I then got a letter in the mail on XX/XX/23 from XXXX XXXX stating I owe {$210.00}. 

My reference number is XXXX. Remove this debt.
Product: Credit reporting

I applied for an XXXX XXXX credit card around XXXX. They sent me the card with a low limit because Experian said my credit score was XXXX XXXX XXXX has my score at XXXX ( EXCELLENT ). The paper work that XXXX XXXX sent me with the credit card said I could get a complete credit report from Experian without charge for 60 days after this date. I called the toll free # for Experian & went to their website. Each time they wanted a credit card number. This is not free. I contacted XXXX XXXX & they gave me their website which was supposed to have the credit report. NO RESULTS! 
What is the problem?? 

XXXX XXXX XXXX
Product: Mortgage

Our struggles with our mortgage company started about the sixth month we got our mortgage. My wife, daughter and I all started having health problems, which in turn caused us to have financial issues. My wife missed eight months of work and it caused things to spiral out of control even further. This company has been a nightmare. We have been harassed to the point they are sending people to put notices on our door to call the company and tape them to our door. The tape is so heavy duty, that is actually damaging our door! The financial figures the company comes up with do not make sense. Our escrow account has been mismanaged. When I filed a complaint prior, we received money back from the company and things got better for a little while. I have attempted several times to work with the company until we can refinance, but things have been quite overwhelming and like a domino effect in every facet of life. I keep making payments well beyond our monthly payment each month and the monthly payment keeps going up and up and up. The Money Source keeps employing predatory tactics to steal our home and I don't know how they get away with this. If we have a fixed mortgage, how can they keep raising our monthly payment? They have a " bucket system. '' So when I am caught up as far as I am concerned on our payments, they keep saying we are behind on our mortgage and charge fees. Now our loan is in default. For six months we had an agreement if I paid this ridiculous rate we would be caught up. For 5 mos I paid the payments on time. The sixth month I paid the payment a week late and they said that made the contract null and void and we were in default and therefore were 1 to 2 mos behind again. I don't understand at all. I have been trying to contact the HUD FHA resources, but due to other issues and the government shutdown, I did not receive assistance. However, I plan to try again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit card or prepaid card

American Express is delaying my direct deposit and they are not responding. It also seems that the customer service line has been disconnected. I have no idea when I will be paid and I have expenses piling up. There was also no notice of problems. I had to find out through XXXX that there was a problem.
Product: Credit reporting or other personal consumer reports

For 24 months I keep disputing items personally and with the CFPB The company constantly Removes the disputed items then within a few days reinsert the items back into my credit report. 

In other words they claim to fix or delete the disputed items when I report to the CFPB. But later reinsert them back into my credit file as if the account is new. 
They have even reage and changed information in each disputed accounts. 

See example attached
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A FTC REPORT.
Product: Debt collection

To whom it conerns, SANTANDER CONSUMER USA is reporting a due balance of {$33000.00}. However, they are continually trying to charge my card every month for the car note. They have already repossessed the car. However, they are trying to charge my card on file every month instead of selling the car and putting the remaining amount on my credit. According to my account on Santander, it says I have a REMAINING BALANCE OF {$16000.00}. However, they put over {$33000.00} worth of debt on my credit report which is an FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. This is unacceptable I have proof of a violation being committed and I have filed a police report. PLEASE REMOVE THIS FROM MY CREDIT I HAD NO KNOWLEDGE OF ANY OF THIS INFORMATION DURING THE TIME OF SIGNING I WS TRICKED INTO PAYING A {$5000.00} DEPOSIT FOR A CAR THAT I WAS TOLD WAS {$10000.00} THIS IS ILLEGAL AMERICAN CITIZENS DESERVE BETTER!!!!
Product: Credit card

I have a US Bank XXXX XXXX XXXX credit card. On XX/XX/year> I used XXXX points to book a flight via the USBank rewards travel center. I also used my credit card for part of the transaction. I cancelled the booking within 24 hours so should have received a full refund of both points and credit used. The credit used was refunded fully as expected. Only XXXX points were refunded. I have called three times and keep getting the run around. Im missing XXXX points, which converts to around {$330.00}. Ive spent hours on the phone with people at the bank who keep promising to return my points, but nobody takes any action. Im out over {$300.00} in points and hours of time and US Bank can not complete a simple refund. Ive asked the bank to return the XXXX points but nobody is able to actually help. I can provide the transaction history from my credit card and rewards statement as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I talked to several reps at XXXX, Transunion, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX
Product: Checking or savings account

On Tuesday XX/XX/year> approximately at XXXX XXXX  I initiated a domestic wire transfer the reasonable sum of {$480.00} USD from my Ally Bank checking account to another personal checking account at the same financial institution. 

Later into the afternoon at XXXX XXXX I have received 2 emails stating that my wire transfer has been canceled and my online access is restricted, as well as transfers. 

This was all done by Ally, I in no way have canceled any of my transactions and I never reported any activity on my account, it was their own system. I contacted support immediately and received XXXX information related to the incident. There has been XXXX communication from that point and my account ( s ) are still under restrictions until further notice.
Product: Credit card

Urgent : Refund Not Received Despite Multiple Follow-Ups On XX/XX/XXXX, I made a payment of {$5600.00} to my Synchrony credit card through autopay. While setting up autopay, I accidentally selected the option to pay the statement balance instead of the minimum payment due. Upon realizing this, I immediately contacted customer service and requested a refund so I could manage the balance incrementally as intended. 

I was assured that the refund excluding the minimum payment would be processed around XX/XX/XXXX. However, it has now been over three weeks, and the refund check still not been received. Despite multiple follow-ups with your agents, I have received no clear answers or resolution to this issue.
Product: Mortgage

Each year Ditech pays my FLOOD insurance from my escrow. My FLOOD is paid by ME personally each year ( from inception of flood policy ) & has NEVER been a part of my mortgage. My Flood ins refunds me MY annual payment & I repay it BACK TO mortage escrow. My escrow does n't show I paid it & DiTech wants to raise my monthly mortgage payment & pay " shortage '' + when they were NEVER AUTORIZED to pay my flood insurance. I AM " NOT REQUIRED '' TO CARRY FLOOD INS. IN MY AREA. I call, I write, I email, I fax, to NO AVAIL for a response to my issue & get them to stop paying my flood insurance. This goes on for months, I pay the shortage ( s ) & monthly payments STILL GO UP. THIS IS AN ANNUAL EVENT almost from inception.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SOUTHWEST CREDIT SYSTE Original creditor : XXXX is showing up on my credit report stating I owe {$2500.00}. This debt was owned by XXXX XXXX XXXX XXXX prior to this. I provided an FTC report and let them know I was a victim of identity theft. That debt is not mine. I filed this complaint on XX/XX/XXXX with the CFPB XXXX. In this complain the company took ownership for their mistake and removed this debt from my report. I hope that this debt collector will do the same. 

I am Writing to you to properly address that I am a victim of identity theft. I am writing to request that you block/delete the following fraudulent information from my credit report. 
XXXX ) SOUTHWEST CREDIT SYSTE Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection This information does not relate to any transactions that I have made. I have enclosed a copy of my identity theft report and a copy of FCRA Section 605B which details your responsibility to block/delete fraudulent information on my credit report resulting from identity theft within XXXX business days and to properly notify the furnishers of that information. I will be enclosing : identity theft report, proof of identity, Fair Credit Reporting Act Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
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 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 # 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 # 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 # 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 # 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

I have spoken with numerous representatives regarding this matter with this company XXXX XXXX XXXX and this company is still reporting on my credit report from Experian this company should be removed immediately and Experian is refusing to update my credit report with accurate information
Product: Credit reporting or other personal consumer reports

This is really worrying, my credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or madam, I am looking for validation and verification of the alleged debt attached. I have tried to resolve this with the company and they have not helped me.
Product: Mortgage

This complaint relates to US Bank account number XXXX. ( co-borrowers XXXX XXXX and XXXX XXXX ). We have had this loan with US bank for approximately 6 months and have never incurred a late payment until we tried to schedule the monthly payments to auto-draft. For the months of XXXX and XXXX we mailed one payment and called in the second payment. Both were made timely even though there were issues receiving the monthly invoices. 

To avoid the issue of receiving the monthly invoices, in XX/XX/2022 I signed the necessary paperwork to allow my bookkeeper to enroll the payments to be auto-drafted. My bookkeeper confirmed that all payments forward would be paid via auto-draft. The same month, XX/XX/2022 my bookkeeper contracted XXXX and has been off work on XXXX thru to date. I am unable to communicate with her about this payment or any other issue. Immediately upon learning that the XXXX and XXXX payments had not been made and confirming with my bank no auto-drafts had been executed, my new bookkeeper made both the XXXX and XXXX payments on XX/XX/2022. Additionally, the new bookkeeper made sure to schedule the payments to auto-draft in XX/XX/2022 and forward thru the term of the loan. My new bookkeeper has confirmed that the XXXX payment did in fact auto-draft on XX/XX/2022 and can see online that the XXXX payment will draft on XX/XX/2022, In the interim, US bank XXXX to the various credit bureaus the late payments for XXXX and XXXX which drastically impacted my credit score. I have never had late payments on any of sorts and my credit score has never dropped this severely.

I think it's unfair of US bank to report me and my partner to the credit bureaus when we were not receiving invoices and trying our best to set-up the payment to auto-draft to avoid the issues we are now facing. 

I can't communicate with my bookkeeper who is out on leave because of health reasons or I would check to see if she had any communications or confirmations in XXXX when she originally tried to schedule the auto draft. 

We were unaware that the account was delinquent until an email was received by our accountant from XXXX XXXX  ( XXXX ) alerting us that the bank offers hardship options. Even two months overdue, we had not received a notice in the mail alerting us that the payments were delinquent. We received the email from the bank on XX/XX/2022 and we paid both delinquent payments on XX/XX/2022.