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

I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act 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 a person shall not furnish any information relating to a consumer if the person has no knowledge. This company is displaying inaccurate information. I have never attempted to nor have ever had a account with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to XXXX to get my TransUnion credit report. Everything processed properly and my report displayed. But when I tried to download it ( clicking the indicated button ), it took me to a PRINT screen, not a DOWNLOAD screen. I did not want to print ... I wanted to download ( as I have in the past ). I closed the PRINT screen and tried to use the online FAQs to find out how to download. There was no information in the FAQs on downloading. Then TransUnion DID NOT PROVIDE A " BACK '' OR " RETURN TO REPORT '' button, and when I tried to go back, TransUnion SHUT ME OUT AND RETURNED ME TO THE ORIGINAL SIGN-IN PAGE. When I tried to sign in again, I got the message that the report was already provided and I could not get it again. It was NOT provided and I do NOT have it and TransUnion does NOT show a way to download it. I tried contacting TransUnion directly online and got no reply.
Product: Credit reporting

On my credit reports ( XXXX and Transunion ) it is saying my XXXX XXXX loan is delinquent and has n't been paid in 120 days. I was late with payment back in 2011 but the loan is all paid off and has been for years.
Product: Debt collection

My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.
Product: Checking or savings account

I had made several large cash deposits at a citibank atm between the dates of XX/XX/XXXX and XX/XX/2022. Upon trying to use my debit card to make purchases on well known brands sites my card was constantly being declined. I attempted to contact citi and no one was able to help me get my card to make purchases. 


On XX/XX/XXXX there was an unauthorized transaction on my card for {$1000.00} upon reviewing my account i disputed that charge and several other charges that I did not recognize on my card during a phone call with a citi fraud specialist. The specialist told me my online banking would be frozen until my new card was activated. 

I receive my new card and activate it but my account was still not opened for online banking and my account was blocked for any debits what so ever. 

I called and they told me my account would be terminated and there wasnt anything they could do with {$2400.00} still in my available balance and I will be late with many payments and suffer many losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documentation concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation for this account is the # XXXX I have attached the documentation for XXXX XXXX XXXX Account number Start with XXXX The documentation i have attached for this account is XXXX Both of these documentation are letters signed by a judge showing i am not responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

Background On [ XX/XX/year> ], the following information was removed from my credit report : Creditor 's Name : [ XXXX ] Account Number : XXXX Date of Deletion : [ XX/XX/year> ] Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion.

2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

IN THE attached below I show the proof of the day that this account was deleted Contact Information Please contact me at your earliest convenience to confirm receipt of this letter and provide an update on the steps being taken to resolve this matter. 
Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ] Email : [ XXXX ] Thank you in advance for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

A month ago, I was charged fees by Bank of America for having Overdraft Protection and insufficient funds. After talking to them I told them I wanted to remove all overdraft protection so I would not incur those fees. I had to talk to a supervisor and he waived only XXXX charge out of XXXX. The past week I was again charged overdraft fees and when I called to complain, they said I only removed overdraft protection not all overdraft settings. And because the supervisor had previously told me about some other product they offer, at a charge, I should 've been aware and they would not refund anything else. This is a deceptive oractice to not fully educate customers on what overdraft protection and overdraft settings mean. When I said I want all overdraft to be turned off, they should do it. Instead they only removed overdraft protection and so they would still charge me overdraft fees. It 's ridiculous and close to fraudulent when they continue to charge customers. Even when the overdraft protection had worked previously they charge for that. They do not clearly define what fees are incurred, the amount of said fees, or properly inform customers.
Product: Money transfer, virtual currency, or money service

I receive unemployment benefits from Nevada. My initial benefit was {$3600.00} followed by {$600.00} weekly after that initial payment. The state goes through Way2Go Card, a debit card service aka Go Program or Conduent Business Services. I set up for direct deposit through Way2Go which allows them to transfer my deposits to my checking account with my own bank. My 2 subsequent payments of XXXX were properly deposited, however, in spite of several attempts to get the {$3600.00} transferred and receiving confirmations from Way2Go that the " transfer was successful '' the {$3600.00} has not been deposited to my checking account, has not even been " attempted '' as confirmed by my bank. I have called 5 different numbers countless times for " customer service '' but only get to the same menu from all 5. There is no option to speak to anyone. No one ever answers! Their website, which is rarely working, offers no options other than calling. I have tried everything I can think of to no avail and can't get to my {$3600.00}! The attempts to transfer and confirmed by Way2Go via email happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

We have sent in our mortgage recovery advance paper work XXXX and this last time they tampered with notarized letter to make the dates invalid and close our offer and put us in foreclosure. Our paperwork was notarized and mailed XXXX they received it on XXXX and we called XXXX to make sure everything was good and we told our offer was no good because the paperwork dates were wrong and heading into foreclosure. They emailed us the tampered document and we sent pictures of our copies of the original to show how they changed the document. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/21 from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, Equifax, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX Equifax XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to XXXX XXXX they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached 2 or more copies to authenticate my identity to process my complaint.
Product: Debt collection

My company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had a lease with XXXX. XXXX ( Attached ) that ended on XX/XX/2019, XXXX XXXX charge me rent for the months of XX/XX/2019 and XX/XX/2019. According to their payment ledger that they sent me my rent was paid in full for the entire lease. They sent me Tice Associates collection agency to try and collect monies I don't owe. I spoke with Tice associates several time and explained the  situation and they agreed with me that the ledger showed I was paid and they would contact their client XXXX XXXX to see what could be done. I checked my credit report and found that they reported me to collection.This a total fraudulent claim as my lease was paid full, XXXX XXXX  even over charged me for XX/XX/2019 and kept my {$500.00} security deposit, which he will no return either. I did not even own the company XXXX XXXX XXXX XXXX on XXXX XXXX, I sold it in XX/XX/2019. ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue with this account is XXXX has not been able to provide any legal documentation that their was payment agreement between myself and the company. As mentioned before when XXXX is asked to provide this documentation they do not. XXXX does not have any paperwork between myself and XXXX showing I signed up for service or agreed to a line of credit. The credit agency is in violation. By law a creditor must provide proof. XXXX is not providing proof. They are only stating the debt is valid and not providing any paperwork to myself or the credit agency.
Product: Credit reporting or other personal consumer reports

" I took immediate action by sending a certified letter to XXXX XXXX to demand that they remove the charge-off status of my old account from my credit report. Their response was unsatisfactory as they claimed to have stopped reporting to the credit bureaus. But despite their assurance, Equifax has continued to report this information falsely. This is unacceptable and I demand that this error is corrected immediately. ''
Product: Checking or savings account

XXXX XXXX, {$2800.00} and it was a cheque issued by mortgage company and I deposited it to my checking account and they closed my account and did not inform me. I had to call them and they said the issuing company has to contact them to verify the cheque is legit. They have my money and they have not released it to me. its XXXX. I exhausted all options and now this is my last option.
Product: Debt collection

Hello, I have never heard of the Consumer Adjustment company and have no idea of the debt that has been reported. Ive never been notified or contacted and his company has violated my HIPPA and Consumer rights by reporting false information that has not been verified by me. They have reported false information to the credit bureaus. This is not my debt so please delete from my credit report because you are hurting my score and its negatively impacting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that XXXX and XXXX also delete the item as well. I submitted complaints to the XXXX main credit bureaus XXXX, XXXX, and Transunion and it was deleted my XXXX. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX did for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX  XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX credit limit {$700.00} high balance {$1100.00} date opened XX/XX/XXXX
Product: Checking or savings account

Complaint Against Wells Fargo for Mishandling of Unauthorized Withdrawal and Failure to Reimburse.

I am writing to file a formal complaint against Wells Fargo regarding their mishandling of my claim for an unauthorized withdrawal of {$15000.00} and their subsequent failure to reimburse me the full amount of {$32000.00}, which includes the {$17000.00} deposit that was mistakenly processed as a withdrawal. I have requested a copy of the withdrawal slip, which raises further concerns. The slip does not have my full name written, instead, it uses an abbreviation of XXXX XXXX. 
Additionally, my signature is written twice on the withdrawal slip, a perplexing inconsistency. I am at a loss as to what more I can do to rectify this situation. 
On XX/XX/XXXX, I visited my local Wells Fargo branch to deposit {$17000.00} in cash into my account. However, due to an error on the part of Wells Fargo, my deposit was incorrectly processed as a withdrawal of {$15000.00}. This mistake has caused significant financial distress and inconvenience. 
To support my claim, I possess a video recording captured on XX/XX/XXXX that clearly shows me depositing the aforementioned {$17000.00} cash at the designated Wells Fargo XXXX. The video includes a timestamp, location, and date stamp, all of which confirm the legitimacy of my deposit. Upon discovering the error, Ive immediately contacted Wells Fargo 's dispute resolution department to file a claim on XX/XX/XXXX the deposit wasnt showing on banking app available balance.. Ive recently spoken with XXXX, a representative from the corporate office & her supervisor last month in XX/XX/XXXX, who acknowledged the mistake. However, it was disheartening to learn that Wells Fargo claimed they did not have video surveillance footage from XX/XX/XXXX after requesting it over a duration of 3 years, despite my possession of my own conclusive evidence. 
Over the past 3 years, I have diligently followed up with numerous calls and emails to Wells Fargo in an effort to resolve this issue and retrieve my rightful reimbursement of {$32000.00}. 
Despite my persistence, Wells Fargo has failed to take appropriate action or provide any satisfactory explanation for their inaction. 
I kindly request the assistance of CFPB in facilitating a fair resolution to this matter. It is evident that Wells Fargo 's mishandling of my claim and their refusal to reimburse the full amount has caused significant financial hardship and distress. I trust that your intervention will help rectify this situation and ensure that I am rightfully compensated. 
Thank you for your attention to this matter. I look forward to a prompt response and resolution.