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

i was one of the clients of wells fargo bank that was given too many unneeded bank accounts by the same person who worked there. I made a complaint in XXXX and I was assigned a person to over look everything but they didn't help me, I try to get them to send me 3 yrs of bank statements so I can show them all the fees I was charged because all the unneeded bank accounts they set me up with. the same person that set me up with all the unneeded bank accounts she also added another person to my account in XXXX or XXXX the person was added was my ex girl friend ( XXXX XXXX ) it was only myself and my Mother before they added XXXX she was only supposed to be restricted to one account but the teller put her as head of the account, she added her through fax meaning she never had to go in the branch she had her sign paperwork to be placed on my account and had her fax it to her, by the teller doing this I never saw what she was giving her access to. the same teller that did all this is now a bank manager there now, come to find out this was fraudulent because the teller was supposed to have her come in the branch and fill paperwork out in front of her and myself so I can see what access my ex girlfriend ( Miss XXXX ) was going to have, by her adding her as head of the account my ex was able to order credit and debt cards with out my knowledge, I lost everything my business my house everything! I have to file for bankruptcy now. I know that wells Fargo got in trouble for letting there people that work there set people up with too many unneeded bank accounts. please have some call me so I can explain furred in more detail, my lawyer told me to contact you first because you guys can help me settle this with the bank asap. this ruined my whole life please help thanks
Product: Debt collection

I have disputed this account several times because I do not own this debt. Under 15 U.S Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, they shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 
Please send : 1. A calculation of balance and payment history. 
2. Proof of the agreement that grants this company the authority to collect this alleged debt. 
3. A copy of the company 's state license including the license number. 
4. Proof of how the company assessed the debt. 
5. Copy of the original contract bearing my signature. 
6. Chain of title on this debt. 
7. Do they own it or was this debt assigned? 
8. Copies of all letters sent to me from you and the original creditor. 
9. How much did you buy this debt for? 
10. What fees/interest was tacked onto this debt? 
11. How were the fees determined? 
12. Proof that this company carries a bond. 
13. Proof that this company has the right to collect this debt in my state.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXX-XX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

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

XX/XX/2018 XXXX XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit card or prepaid card

CIti Credit Card Dispute XXXX On XX/XX/2019 I contacted Citi Credit Card to dispute a charges on my credit card on XX/XX/2019. The transaction detail was " XXXX XXXX XXXX {$510.00} DEPART:XX/XX/XXXX XXXX  TO XXXX : XXXX : XXXX  : XXXX  : XXXX  ''. This was an unrecognized charges by me at the time of the dispute. I contacted XXXX to inquire about this charges, but they were not able to find any transaction with this information. Please see attached email correspondence to and from XXXX. 

On XX/XX/2019, I noticed another unauthorized charge to my account made on XX/XX/2019. This time there was another vendor associated with the transaction, XXXX I contacted XXXX and the agent stated the reason for this new charge was because I had disputed the previous charges with my credit card company made on XX/XX/2019, and it was for a plane ticket for my wife purchased on XX/XX/2019. 

This transaction was not an authorized charges because I did NOT receive any notification from XXXX XXXX about airline tickets been booked on XXXX XXXX. However, we did receive an email from the merchant to inform me that the airline was unable to confirm the reservation. No other contact with the merchant was made after this email notification. See attached for the email from XXXX. 
My wife was double booked in the same flight and nor XXXX or XXXX notified us of this tickets I was charged for on XX/XX/2019. The only way I was able to obtain any of this information was after my many phone calls with both XXXX XXXX and XXXX. 

I have been told by XXXX, that they are unable to assist with this issue and I will have to have it resolved it with XXXX. I have been told by XXXX, that they are also unable to assist with this issue and that I will have to take it back to XXXX. 

The Citi dispute department processed the dispute and fraudulent transaction and later was change to product not received. Since I disputed the charge on XX/XX/2019, I have contacted Citi by phone and email over twenty times and I get the same answer every single time " They are working on it '' in the mean time this charge is accruing interest and late payment fees. 
This transaction was for an airline tickets I was attempting to purchase but never receive the product ( booking confirmation ). 

1. XX/XX/2019 XXXX XXXX XXXX {$510.00} XXXX XXXX TO XXXX : XXXX : XXXX  : XXXX  : XXXX
Product: Mortgage

To Whom It May Concern at Wells Fargo : This complaint is in regard to the forbearance plan. I was persuaded by a rep to participate in this plan. She was the one who suggested it. I never asked her first to be placed on the plan. The plan was never fully explained before I was signed on to it. I was told I could suspend payments while my loan modification ( which was terminated in XXXX XXXX was reviewed. I didn't need to suspend payments at that time and I still do not need to suspend them now. I would not have asked to be put on this plan because my understanding was that forbearance was for people who lost their jobs/needed help due to the pandemic, and that clearly didn't apply to me. 

As I have not missed a payment, I have not used this forbearance plan. When I've signed onto my WF online account, it was stated that I could remove myself/not extend the forbearance plan. Strange how the link did not work for me. I've tried many times, including this evening. What comes up every time is a number I have to call instead. 

I do not plan on ever calling Wells Fargo again, because your reps lie and provide misinformation, even in the EXECUTIVE office. My understanding is that this plan ends at the end of XXXX. I have not used the plan and I have no desire to extend it. So this complaint will serve to inform you not to extend the forbearance plan. 

In addition, you stated in recent response to a complaint, that I had requested a loan modification in XXXX. I do not believe that date is correct, but I will check on that later. What I am sure of is that you OFFERED me a loan modification. I had no idea what a loan modification was or that it even existed until it was offered by you. You offered it, you told me repeatedly that I didn't have to get the paperwork notarized month after month because of my fear of contracting the virus, and I never missed a payment. Then you cancelled the loan mod without even notifying me. You offered the loan mod, you lied about it, you added thousands of dollars to my account stated as " overdue, '' and set me up to fail. 
Please note that I am going to submit all of my WF statements to an accountant next week. As I've noticed that my statement online frequently changes without any reason for the changes such as a payment, I suggest you make sure current statement is accurate, or I will be submitting another complaint.
Product: Credit reporting or other personal consumer reports

Transunion is furnishing inaccurate information on my report and allowed a credit pull without my consent. 

I received a complete credit report from Transunion. I noticed that XXXX XXXX pulled my credit without permission. 

In addition Transunion, is allowed XXXX XXXX to furnish information that they did not follow complete FDCPA guidelines when it came to reporting a negative item. Also XXXX XXXX is not licensed and bonded in Illinois
Product: Checking or savings account

Bank Of America is hiding a security break which could impact their customers, they are either complicit in this fraud, have inadequate security measures in place, or this is an insider attempting to steal data and or funds. On XX/XX/year>, I attempted to log into my online BOfA bank account and the two-factor authentication screen was display asking to select a phone number to be texted for a validation code which is completely normal. However, my phone number and an unknown phone number was displayed. The phone number was not one I recognized, not a family member or any number close to mine. I did not go through with the authentication process and cancelled the login process. I tried to log in several times canceling the process and shutting down my browser and restarting my computer, each time I logged in the same unknown phone number appeared. 

I immediately called the security and fraud department of Bank Of American and told them what was happening. The representative experienced the same thing and asked me to verify the last 4 digits of the unknown phone number, which I did, and she deleted it from my profile. I asked her how this could happen because its impossible for me to add a number without the system doing a multi-factor validation of the number and a code sent to the number being added, then requiring me to input the code, she didnt know, so I asked for a case to be opened she said she couldnt do it, I would have to call customer service. After being transferred many times, wasting lots of time, I was eventually told they cant do anything. This after being placed on hold when the representatives spoke to supervisors and managers, I was told nothing can be done and no case would be opened. As I said its impossible for me to add a number without multi-factor authentication which is why Bank Of America either is woefully incompetent and or this is an inside job. 

Since this occurred yesterday, we are in the process of reviewing our 8 BOfA accounts for suspicious activity or missing funds. This is an obvious major security issue which BOFA is hiding, all their customers need to made aware of this infiltration whether its an internal breach or an external breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint requesting the removal of the disputed account and information from my Credit File. It appears that my Credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Cred : # XXXX, XXXX XXXX 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 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 or other personal consumer reports

I am a victim of identity theft. I learned that some of my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the XXXX XXXX XXXX XXXX. This is not an address associated with me. The XXXX XXXX XXXX has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with XXXX since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of XXXX. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

XXXX ) Original letter from XXXX indicating their suspicion for fraud when the account was initially opened. 
XXXX ) Initial letter from XXXX stating their decision that the account was legitimate. 
XXXX ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) 4 ) Police Report # XXXX, XXXX XXXX Police Department XXXX ) New XXXX statement showing all charges refunded ( consistent with the conversation I had with XXXX on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) XXXX ) My official letters sent to XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite XXXX XXXX of receipt ), and XX/XX/XXXX ( adding the new info from XXXX that they deem the charges fraudulent ) 7 ) Final letter from XXXX XXXX again closing the fraud case.
Product: Student loan

Due to unemployment was unable to continue with the payment arrangements made with Navient and they claimed they cancelled them. Several months went by and they started pulling money from my account again. Called and they assured me the auto payments were cancelled. next month again they pulled money, called on XXXX XXXX and they transfer me all over the place then told me that it was from the old payment arrangements and they could n't cancel as it was on a different computer system, they transferred me to the other department who acknowledged that the old payment arrangements were still in the system but they also assured me they cancelled it and I would not have any more funds pulled from my account. Today, again more money pulled from my account. Called and was transferred multiple times again because " unable to see my account information '' then they hung up on me.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Accounts to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

PORTFOLIO RECOVERY ASSOCIATES INC I continue to dispute the accuracy of the two debts you have in your office. In every complaint I have asked over and over that you please provide me with a copy of the contract with my signature on it that shows the legal obligation that I have to pay you Portfolio Recovery Associates INC the amount you say that I owe. Since XXXX XXXX  2017 you have been reporting derogatory information to all three credit reporting agency and even though these two account were in direct dispute rather then halting collection activity during the dispute process you continued to collect and report this information to the credit agencies with the direct attempt to damage my reputation and finances. I would like to point out the follow under the FDCP 809. ( b ) and 812 section ( a ) Based on validated information from all credit reporting agencies and copies of my reports along with the certified letters that were sent to you disputing this information you clearly continued to collect during the disputed process time frame by reporting and continue to report the invalidated derogatory information even though it's still disputed to this day. The only thing that you have provided is photo copies from another company, that is not even your own in a pdf format that can easily be modified or changed.