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

My name is XXXX XXXX, I have many unauthorized transactions in my Wells Fargo account with the following merchants, XXXX XXXX, XXXX, XXXX, and XXXX. I contacted the support team, came to know these all are ACH transactions that are unauthorized. I filed a claim on the XXXX of XX/XX/2023 with Claim No XXXX, and within 4 days, when I call them to know the status, they mentioned this claim was denied, and Wells Fargo said to contact the individual merchants by myself. 

Clearly, this claim was not investigated properly by Wells Fargo Team. I can clearly see other names on a few of the transactions. I requested them to contact me directly through the phone, by the investigation officer/ Banker who did this investigation, but no use. I requested them 4 times, but every time they are saying, XXXX ( Investigation Officer ) tried to reach me but I'm unavailable, the fact is I never received any phone call from Well Fargo. At least they have to leave a voicemail if they contacted me, I have no missed calls, or voice mail left. My phone is working fine and I can receive all other Phone calls, except the Wells Fargo Investigator phone call. 

I requested more information, about the transactions How these transactions are done, or any information that will help me to talk with the merchants, but Wells Fargo didn't provide any information. Every time they are just saying, we dont have any more information regarding the transactions. Wells Fargo is not helping me in this issue. 

I Never had any accounts with these merchants, It really hard to contact them without a registered email or phone number in their respective platforms, my phone number, Email are not registered in their accounts. I tried to reach XXXX XXXX, XXXX, and XXXX. XXXX Responded and asked for information like my ID/Passport to proceed with their investigation. Other merchants are not even responding properly. 

I lost my money from my Wells Fargo checking account, The Bank is saying they cant help with this and asking me to contact the merchants. It is not the proper solution any customer expects, at least I have the right to know what happened and information regarding these transactions. Why are there other people 's names showing up on my bank statement? What investigation did Wells Fargo do in these 2 business days? 

During the transactions, I havent received any notification, email or phone call, or any information regarding these transactions. Now Wells Fargo is not helping me, I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To Whom It May Concern : I have two complaints to submit about Equifax. On XX/XX/2020, I sent a letter ( see Equifax Dispute 1.pdf ) disputing seven accounts I believe to be reporting inaccurately on my credit report. I sent this letter to Equifax by certified mail ( see Equifax Certified Mail Receipt.pdf ). Through USPS tracking, the letter was confirmed received by Equifax on XX/XX/2020 ( see Equifax USPS Tracking Results.pdf ). On XX/XX/2020, I received, by mail, a letter with the results of their completed reinvestigation. However, Equifaxs letter of their completed reinvestigation is dated XX/XX/2020 ( see Equifax Response 1.pdf ). Therefore, my first complaint is that Equifax failed to respond to me with the results of their reinvestigation within 5 business days, which is a violation of FCRA 611 ( a ) ( 6 ) ( A ).

Secondly, in my dispute letter, I specifically requested that Equifax provide me with a copy of any verifiable proof bearing my signature that they have on file for the accounts being disputed. Not only did Equifax not provide me with any documentation, their response did not address the very concern of my dispute, which is the accuracy of the data being reported. Under FCRA, 15 U.S.C. 1681 e ( b ), and MCCRA, Mass.Gen.Laws ch. 93, 54 ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report. As the courts have ruled ( Ex. Richardson v. Fleet ), during a reinvestigation, Equifax is required to conduct an independent investigation and inquire beyond the original source of information. Equifax marked their reinvestigation complete only three days from first receiving my dispute. Given the timeframe ( 3 days ) in which Equifax completed their reinvestigation and the absence of any verifiable proof that I requested for seven accounts in question, how can Equifax say that they have followed reasonable procedures to assure maximum possible accuracy of the information in my consumer report?

Since Equifax has neglected to reinvestigate my accounts thoroughly by providing me with verifiable proof bearing my signature and has neglected to provide me with a response of their reinvestigation within 5 business days, they have violated FCRA and MCCRA. Therefore, I demand for the immediate deletion of the accounts being reported inaccurately as originally requested in my dispute ( again see Equifax Dispute 1.pdf ). Needless to say, my credit score is very important to me and I believe it is being unfairly and negatively impacted as a result of these errors and hurting my ability to obtain credit. Failure to respond satisfactorily would be a continued violation of FCRA 15 U.S.C. 1681 e ( b ), and MCCRA, Mass.Gen.Laws ch. 93, 54 ( b ). These violations, whether negligent or willful, subjects Equifax to liability for damages, which I may seek, for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I reached out to Barclay Credit Card to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but Barclay will not resend me the letter, yet they are still reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date XXXX XXXX I sent a letter certified mail tracking number : XXXX To XXXX XXXX XXXX account number XXXX. XXXX, XXXX And Equifax claims to have done a investigation, but how is that possible if i have not received a response they proclaimed the debt was validated, but provided me with no documentation as proof. Additionally Account type, Account details, Account status, Balance, Last reported date, date last reported, high credit, date opened are either reporting wrong or incomplete information. These are inaccuracies on my credit profile and i demand they be removed immediately.
Product: Debt collection

Navy Federal continues to contact me about payments to my account I have a certified letter on file with them about contacting me about payments. I make my payments to them monthly even if I have a late fee I pay that. I have been out of work since XXXX 2016 yet I still make my mortgage, Auto and XXXX payments to them every month. I have filed several complaints with CFPB about this same issue. One was completed just this month where Navy Federal again apologized for ignoring my certified letter that I have on file with them. I called Navy Federal and ask why they were still harassing and the representative stated that they should not be contacting me because it is highlighted on my account not to do so yet they are continuing to contact and harass me.
Product: Debt collection

I first received notice in mail on XX/XX/2021 from Transworld Systems for a debt that I dispute. 

I mailed a debt validation inquiry to Transworld Systems via certified mail, which was received by Transworld Systems Supervisor, XXXX XXXX on XX/XX/2021. 

To date, Transworld Systems has not provided any debt validation but continues to have a debt account open under my name. 

USPS Certified Mail Tracking Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX  I attempted to make an ATM Deposit. I inserted XXXX dollars into the Atm. The machine counted the money then spit some back out. I attempted to insert the money back in. The atm accepted the money then said deposit amount XXXX. I immediately called Bank of America to file a claim. They assured me that I would have a credit in my account in two business days and apologized for the inconvenience. 

Today I opened my app to see that my claim was denied.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

40 calls one after the other. I am an XXXX year old lady who graduated from high school 1954. This is harassment!
Product: Credit reporting or other personal consumer reports

Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is 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 Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.
Product: Debt collection

Mine isn't about calls but I didn't have an option to chose that worked. I have debt that is owned my multiple companies at once. XXXX XXXX sold my debt to LVNV once they were asked to verify the debt. Now I have the debt showing its owed to 2 companies at once. It was also the same with a company called the Bureaus. I had a lawyer contact both XXXX  and Lvnv and it stopped for a while. Now I am getting letters from Resurgent saying I owe the same debt again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EPFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Mortgage

I had a mortgage through XXXX XXXX which I had been paying on for several years. Recently they sold my mortgage to Nationstar Mortgage. When I got my statement it showed where they are charging me the legal fees for their transaction of purchasing the mortgage. They are charging me for a title search and numerous other fees which are just labeled " legal fees '' and the total comes out to {$3000.00}. I have made two payments to this company since they purchased my mortgage of {$500.00} each, however they only applied {$400.00} of it to my principal and interest and applied the other {$590.00} to these legal fees. The remainder of the legal fees has been rolled into my principal. My complaint is that I do n't see how this can be legal to make me pay legal fees and title search fees for something I did not apply for, ask for, nor give consent for. I do not see how it is legal for them to charge me closing fees for buying my mortgage when I did not ask or apply for a refinance or anything. I was not behind on mortgage payments to XXXX and actually pay extra principal with each payment. I can not fathom that it is legal nor proper for these mortgage companies to charge me legal fees and closing costs for a mortgage that I did not apply for. Please get back to me soon because they have already ripped my off for almost {$600.00} for these fees which I did not ask for.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX and Towr Loan for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted the following creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. The creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
Product: Credit reporting

COMPLAINT : EXPERIAN : XXXX : XXXX : VS XXXX 1. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND XXXX IN CAL XXXX IN XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE XXXX PEOPLE IN XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account from XXXX XXXX XXXX XXXX is not reported to XXXX and Equifax credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX XXXX on letter dated XX/XX/XXXX. 

I notified XXXX and Equifax on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.
Product: Checking or savings account

Chase has had multiple accounts in my name that I reported as fraud through proper channels. I was banned from opening an account with them even though I offered to come into branch to provide identification etc. I simply want to be able to bank with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX  fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received
Product: Debt collection

AA Recovery Solutions ( XXXX ) has been repeatedly calling my work office at a XXXX XXXX in order to leave messages about the alleged debt in question. Was first brought to my attention by a XXXX XXXX on XX/XX/24 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8200.00}, {$7600.00}, {$12000.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX  CARD SERVICE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- INSTALLMENT LOANS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.