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

I wanted to share with Wells Fargo that my family and I have submitted my XXXX CFPB complaint and response today due to the lazy, incompetence of the executive office team, conveniently finding data that benefits Wells Fargo and no one else but a greedy bank and much much more. Wells Fargo left our family high and dry and talked to us like we were lower than dirt, yet conveniently cant find any phone recordings even though I was told countless times all calls are recorded. Our family called in over 25+ times and Wells Fargo can suspiciously only find <8?! We will continue to show my proof ( the truth ) and we will continue to submit CFPB responses and Office of the Commissioner of Currency to liken the chances of Wells Fargo being investigated for corruption, lying, misleading customers, etc. We will not stop until this is appropriately resolved and now starting to contact media outlets to share our story on a macro level. Other consumers must be warned of this unethical, mean and lawless behavior Wells Fargo continually exhibits. The media also is good at tracking down the truth and the truth needs to be told. Theres a history of poor business practices, taking advantage of customers and breaking the law from Wells Fargo, we plan to be the light for as long as this takes us and the hundreds of man/woman hours our repeated complaint filing will continue to produce. The time away from my work and our family continues to grow day after day due to us being swept under the rug conveniently by Wells Fargo; were seeking damages more and more. Wells Fargo inconsistently closed ALL OUR ACCOUNTS, leaving our middle class family with no liquid cash, I was over a XXXX miles away for work from my wife and young kids and was at our most helpless moment due to the attack and hijacking of our money by Wells Fargo. I was also told, XXXX XXXX, I can not give you financial advice why I inquired to how we were going to pay for food due to Wells Fargo! It took almost XXXX weeks to get our money back! We will not stop or magically go away, Wells Fargo needs to right this wrong ; this is strike 3 after closing our complaints with no eye for the truth and we plan to expose the truth. 

Poor Wells Fargo Investigators thus far : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Regards, XXXX
Product: Credit reporting or other personal consumer reports

I had this XXXX XXXX card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$100.00} every month for 38 month. which i am paying every month. I have attached the payment proof and also the payment plan agreement with the bank XXXX  XXXX. but for some reason XXXX  XXXX have been sending wrong report to credit bureaus as missed payments. Since XXXX, XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXXXXXX  and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX A XXXX Balance {$570.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX Experian is reporting false harmful information on my credit report. They are reporting 8 missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.
Product: Debt collection

Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Follow-Up Request for Debt Validation Account Number : XXXX CFPB Case # : XXXX0831-15857960 Reference Number : 797153476 Dear Resurgent Capital Services, I am writing to follow up on my original request dated XX/XX/year>, regarding validation of the debt referenced above. 
After reviewing your response dated XX/XX/year>, I have identified several deficiencies. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request full compliance in providing the required documentation to validate the debt. Specifically, I requested : 1. Verification of the Debt Amount : While you provided a summary balance of {$1700.00}, you did not provide any evidence of a signed contract or binding agreement that establishes the legitimacy of this debt. Please supply proper documentation proving the validity of the amount owed.

2. Documentation of All Assignments : You failed to provide evidence showing the transfer of this debt from XXXX XXXX XXXX, XXXX. to LVNV Funding LLC. Kindly provide copies of the assignment or bill of sale proving the legal transfer. 
3. Proof of Securitization : I requested evidence that the original creditor securitized the debt. This was not addressed in your response. Please provide the necessary documentation if applicable.

4. Cease and Desist Collection Efforts : Despite my clear request, your letter does not acknowledge that collection efforts should cease until this debt is validated. I expect all collection efforts to stop immediately until this matter is resolved.

5. Permissible Purpose : You did not provide a reason for accessing my credit information. Please state the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for doing so without sufficient validation of the debt. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to cease reporting this debt to any credit reporting agencies until you have provided full validation. If this debt has already been reported, I request that you update my file to reflect that it is disputed. 
Additionally, please acknowledge in writing that you will cease all collection efforts until the requested validation is provided, as required by law. 
Failure to comply with my request within 30 days will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX, XXXX XXXX XXXX {$1600.00} ; 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  Inquiry Date 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 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
Product: Debt collection

Received a letter in XX/XX/XXXX that a medical bill was given to OAC Collection Specialists ( XXXX, WI ). On XX/XX/XXXX, I made an online payment of {$27.00} in an effort to pay down the debt which was {$270.00}. 

On XX/XX/XXXX, I scheduled a payment plan and agreed to have a monthly payment taken from my checking account every month on the XXXX until the debt was paid off. The reason why I could not pay this medical bill is because I had over {$12000.00} in medical bills from XX/XX/XXXX through XX/XX/XXXX - the result of two surgeries and rehabiliatation costs from the surgeries. During this time, my 20 year career in the XXXX XXXX was eliminated due to Covid. I was trying desperately to make ends meet. 

The payments were made automatically in XXXX, XXXX and XXXX and I also have the next one scheduled for tomorrow, XX/XX/XXXX. On XX/XX/XXXX, I reeceived a credit card notification that I had a change in my credit score. My score was lowered by 30 points. When I researched why this would have happened, I saw that OAC Collection Specialists reported my account as " delinquent '' even though I had a scheduled payment planned arranged and had been faithfully paying this since setting up the plan. 

When I called and finally spoke to a XXXX XXXX, she said that they could report that this debt is owed until it is paid in full. None of the documents that I printed out with the payment plan confirmation pages state that the agency will report negatively to the credit bureau REGARDLESS if you are currently making payments - the purpose of creating this plan was to, in good faith, pay this debt. This is a deceiving scheme that is now impacting my ability to obtain full-time employment and to re-finance my home mortgage - over a medical bill. Companies that I have applied to require you to agree to a background check and credit check. I now have a negative mark on my credit report that the company will not remove. As a matter of fact, to add to insult, Ms. XXXX stated " well, this debt is from XX/XX/XXXX, it isn't like it was new. '' Ms. XXXX is lucky to be a healthy, able-bodied individual that is gainfully employed. It is unforunate that her origanization preys on people that can not afford to pay their medical bills in one lump sum. If I was told that my payment plan meant nothing, than I would have borrowed money from a relative or friend so that I could afford to pay this so it does not impact my credit and my ability to refiniance and to find full-time employment. I asked Ms. XXXX where it states that she would report to the credit bureaus even with a payment plan and place and she said that she does not have that on the letter sent to me or the payment plan confirmation page. 

This is wrong - it is deceiving, it is unethical, it is abusive and I need help removing this from my credit report.
Product: Credit card

XXXX XXXX XXXX ( XXXX ), partner, affiliate, and reseller of XXXX XXXX sold a product with a false description. They had claimed that their mining product " XXXX '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX, XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even the website www.gawminers.com no longer exists. 

Furthermore it is public knowledge that the U.S. Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the U.S. Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the U.S. Government and the charges he now faces. 

I have contacted XXXX with success however they were unwilling to refund me so I opened a case with PayPal ( PayPal Credit ) which was immediately declined because it was not submitted within XXXX days of the transaction date. I have opened a case with the CFPB about this matter a month ago and only XXXX of the XXXX transactions were looked at and resolved by PayPal Credit. I am opening this case to get the XXXX transaction ( Transaction ID # XXXX ) resolved as well.
Product: Credit reporting or other personal consumer reports

Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Transunion, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Transunion to verify in collection account information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Transunion to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d. 
- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is il

legal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. ( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM DISCOVER FIN SVCS LLC. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.
Product: Credit reporting or other personal consumer reports

I filled a complaint and launched an investigation with Experian on the XXXX XX/XX/year> demanding the company provide proof of debt validity as this matter is before the Supreme Court of XXXXXXXX XXXX XXXX, has not been decided, therefore no debt exists. I provided a copy of the court documents and XXXX  days later Experian decides this matter for the Courts and validates this debt. UNBELIEVABLE
Product: Debt collection

I told company I did not have vehicle and my ex-wife has the vehicle in Texas somewhere and thst info was given to carmax and they still had sheriffs showing up at my house looking for vehicle which a couple times my garage had be lifted somehow with me being home which has to be a breach of my property and invading my home when Im not home. This has happened numerous of times. Also a towing truck company contacted me looking for vehicle and left courtesy cards on my door when I have explained thst that vehicle was not in my possession..
Product: Money transfer, virtual currency, or money service

Am filling a complaint against cash app ( block inc ) for not properly using the app correctly
Product: Checking or savings account

Dear CFPB, I am very concerned that I had money removed from my accounts by XXXX XXXX   employees. Over {$400000.00} was removed from my accounts and invested without me being told of the movement. I never gave anyone permission to remove money from any of my accounts. I had a lawyer but not hearing from him in two weeks I figured he wasn't going to do anything for me. Because I didn't sign papers for him to request my bank statements. The last meeting I had with attorney XXXX he asked if I wanted him to suggest a lawyer to help me. I went looking for another lawyer myself. 
I first learned of the money being removed from my accounts in XXXX, I called the bank and was told to call the CEO XXXX XXXX, I was confused but called and wrote him several times over the pass 11 years. 
A bank manager XXXX XXXX at the XXXX Ohio branch for some reason either was appointed or took it upon himself to except any calls concerning my compliant. He obviously told whom ever called that everything was taken of when it hadn't. He told other bank managers not to look at my bank statements or to listen to my compliant. I had informed other departments of the bank but nothing was ever done to rectify my loss. 
I feel with XXXX XXXX being the CEO he should have appointed someone to look into the matter for me. Not one bank official sat down with me and went over my bank statements. I have lost a lot of money and a life from XXXX because of learning in XXXX that {$100000.00} of the deposit was missing I took the blame thinking I wasn't paying attention when the two checks were deposited, my life has been a shambles. 
Someone needs to take responsibility for the lost of money and a life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax to get this resolved since XXXX. When trying to obtain new credit Im having problems being verified because my DOB shows up as XX/XX/XXXX ( my dads birthday ) when my DOB is actually XX/XX/XXXX. I was in the back of an ambulance before and my birthday was incorrect in their system. When I attempted to contact Equifax directly to resolve the issue they told me they saw no problem. This is hindering me big time in obtaining anything in correlation with credit. Please help!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Fraudulent Account Failure to Investigate by Experian and XXXX XXXX XXXX of the Complaint : Dear Consumer Financial Protection Bureau, I am filing a complaint against both Experian and XXXX XXXX for failing to adequately address a fraudulent account that was opened in my name without my authorization. 


Fraudulent Account Details : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Not opened or authorized by me ) Attempts to Resolve with Experian : I contacted Experian to dispute this fraudulent account and informed them that I did not open or authorize it. Despite this, Experian has refused to remove the account from my credit report. 

1. Failure to Investigate : Experian did not request any additional information or documents from me to validate my dispute.

2. Lack of Compliance : Their refusal to remove the account demonstrates a failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed accounts. 

Attempts to Resolve with XXXX XXXX : I also contacted XXXX XXXX to report the fraudulent account. However : 1. No Action Taken : XXXX XXXX has not provided sufficient resolution or explanation regarding how this account was opened in my name without my authorization. 
2. Failure to Verify Identity : XXXX XXXX did not adequately verify my identity before allowing the account to be opened, which contributed to this fraud. 


Impact of Experian and XXXX XXXX Failures : The failures of both Experian and XXXX XXXX to address this fraudulent account have caused the following harm : - My credit report remains inaccurate, potentially affecting my ability to obtain credit or loans. 
- The ongoing presence of this fraudulent account has caused me significant stress and frustration. 


Resolution Sought : I am requesting the CFPB to investigate this matter and require : XXXX. Experian : - Conduct a thorough investigation into the fraudulent account. 
- Remove the account from my credit report immediately. 
- Improve their dispute-handling process to ensure compliance with the FCRA. 
XXXX. XXXX XXXX : - Investigate how this account was fraudulently opened in my name. 
- Provide a clear explanation and documentation of the application process for the account. 
- Strengthen their identity verification processes to prevent similar fraud in the future. 


Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX