23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$680.00} XXXX XXXX XXXX {$400.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

This complaint is for my HSA. On XXXX XX/XX/2023, I left the company I used to work for and they closed my HSA account. The HSA was transferred to UMB HSA services. https : //myumbhsa.wealthcareportal.com/. On XX/XX/2023 they sent me an email informing me that my HSA account was transferred to them and they will start charging an admin fee of {$2.00}. Additionally, they started sending me paper statements and charged me fees for those as well. 
I called them today ( XX/XX/XXXX ) and the agent informed me that in order to transfer my account out UMB they will charge me an additional fee of {$25.00}. When I told them I never agreed to these fees he mentioned that these fees were in their Terms of Service. And that I automatically agreed to the Terms of Service when I accessed their website. Additionally, if I hadn't agreed to those TOS, I wouldn't have been able to access my money because there is no other way to disagree with their TOS and transfer my money out of the bank. 
They also said this is just a take it or leave it situation and they have no mechanism to waive these fees, and I have provided my tacit approval as soon as they got the transfer of money from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was on XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Report and needs to update immediately : XXXX XXXXXXXX XXXX  XXXX
Product: Mortgage

Chase Home Finance Foreclosed on a mortgage which had been rescinded. The XXXX descision of the US XXXX court and the TILA indicate that:1. Chase and it 's Foreclosing Law Firm, XXXX Wisconsin did perform a wrongful foreclosure, eviction from my family 's homestead. 
2. Chase Home Finance did not provide a " satisfaction of Lein ''. 
3. Chase Home Finance did not return payments and fees as required by TILA regulation z. 
4. The XXXX XXXX courts, being familiar with the Rescission document proceeded to railroad the foreclosure with a replacement " sniper judge '' who also said she had reviewed the documents in the case, proceeded to deny me access to the court by warning me to not object. 
5. Chase Home Finance and the XXXX XXXX Sheriff sold the home over my recorded telephonic objections in the telephonic presence of a notary public wherein I specified a fee for wrongful sale of the property. That fee has not been paid as is required by my " terms of wrongful sale '' of the property. 
6. Chase Home Finance did not counter sue to void the rescission. 
7. Chase Home Finance did not return the canceled note as required by TILA regulation z. 
In summary Chase Home Finance is in violation of TILA Regulation Z.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$1800.00} XXXX/XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$3100.00} XXXX/XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}
Product: Checking or savings account

I had fraudulent activity in my checking account and the bank refuse to pay me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. These debts have not been validated in substantial way as of yet. Yet it serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of Experian and XXXX to disregard federal laws in regards to my identity theft case has caused further duress and hardship to my children and myself. I'm a single parent of XXXX  children without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity theft victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other fraudulent accounts where added to my reports with malice. In those situations some of the same items that are on my credit report in 2015 some which were deleted are now resurfacing again on my credit report as current debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far XXXX and Experian particular have not accepted that responsibility.
Product: Checking or savings account

I bank at Wells Fargo. I want to report three ( 3 ) separate incidents of erroneous withdrawals/transfers from my savings to checking account posted as " overdraft protection from savings to checking ''. There are 3 concerns with this activity, ( i ) I am NOT enrolled in the overdraft protection program, ( ii ) I did NOT have a negative balance in my account ( I check it daily as I've had concerns over other suspicious activity ), and ( iii ) the funds did NOT appear in my checking account. The funds disappeared and Wells Fargo can not explain. The 1st incident occurred a few months ago. They had no explanation with first incident, apologized, and immediately returned the funds to my savings account of approximately {$40.00}. The 2nd incident was on XX/XX/18 for {$40.00} and a 3rd incident on XX/XX/XXXX for {$37.00}. I immediately called the XXXX number for Wells Fargo on XX/XX/2018. The rep confirmed that I'm NOT enrolled in overdraft protection, I did NOT have a negative balance and they could NOT explain what happened to the funds. They opened up a ticket to investigate by case manager. I contacted my local Wells Fargo branch office the very next day on XX/XX/XXXX. Spoke to a banker, who confirmed same. No explanation could be given. The bank representative took down my information and said they would get back to me by the afternoon. These occurrences are very concerning and suspicious. I never signed up for overdraft protection, I did not carry a negative balance and my funds have basically disappeared with no explanation or further investigations conducted by Wells.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate 30-day late payment reported by XXXX XXXX XXXXXXXX on my credit report for XX/XX/year>. XXXX has confirmed that this was a system error and provided me with a letter stating that they corrected the error and notified the credit bureaus. However, my credit reports remain unchanged, and this inaccuracy has negatively affected my ability to secure a home loan. Please find the attached evidence : XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX and XXXX - XXXX XXXX - {$2400.00} XXXX XXXX- XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}
Product: Debt collection

I noticed a collection on my credit profile in the amount of {$420.00} that I did not recognize. I mistakenly assumed it was part of a slew of collection debt efforts for an unpaid cable bill or for some cable equipment that wasnt returned by my ex-roommate at the time. I did not know where it was from nor whom had placed it collection. But I knew it wasnt my debt. So, I attempted to dispute the collection, but because I disputed the wrong company and for the wrong reasoning, my dispute was not resolved. The company only validated mu identity. This an unethical ploy that collection agencies use to keep debt in collection status. I am not disputing my identity. I am disputing the validity of the debt. But again, because I blindly disputed the debt, it was validated as tied to me. I would like to know how??? 
I called the company that originally placed the debt into collection : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 @ XXXXPST I spoke with a XXXX XXXX XXXX XXXX company representative by the name of XXXX ( Employee ID # XXXX ) and we spoke for 15 full minutes trying to track down this debt. I provided her with all of my personal information, including my SS #, my birthdate and my full name and address. She put me on hold several times and spoke with two separate mangers from two separate departments- the billing department and the accounts department. XXXX finally concluded what I already knew : the debt CAN NOT BE FOUND UNDER MY SS # NOR MY NAME! She it doesnt exist and could validate the debt in any wat whatsoever. The debt is not mine and I knew it. But again, because I dispute the wrong information form the wrong company the credit bureaus do not want to re-investigate. This is not lawful. THE DEBT IS NOT MINE NOR CAN THE ORIGINAL COMPANY VALIDATE IT IS TIED TO MY NAME NOR SOCIAL SECURITY NUMBER!!! The absolute abuse of power and the KNOWN unethical practices collection agencies use is criminal! I do not owe this  debt and I it removed from my credit profile immediately!! 
Please stop these collection companies from ruining peoples lives! We are powerless to do anything about it and we are left guilty until proven innocent! Collection agencies and their power need to be broken! There actions are border line illegal and most certainly ethical!!! It is completely ridiculous!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to vehemently reject your decision to decline my identity theft claim. I question your authority and legal standing to determine whether i have been a victim of identity theft or not. You lack the requisite expertise or jurisdiction to make such a claim on my behalf.

To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe.

This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. 
XXXX XXXX XXXXXXXX I expect a written acknowledgment of the receipt of this dispute letter and a commitment to investigate my identity theft claim diligently and impartially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 an 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 or 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: Mortgage

Five years ago I lost my job and started having trouble keeping up with the mortgage payments. I asked Nation Star, the lender, for any help or what steps I could take. They basically told me there was nothing they could do. A friend of mine suggested re-modification. After two years of going back and forth with Nation Star they finally approved it. It was only {$50.00} less than the original, which when you do not have a job that is no help at all. At this point my savings account was drained and I could no longer keep up on the payments. I ended up moving to XXXX to be with my mom and dad so I would not be homeless. I again tried to do the right thing and called Nation Star to ask again if there was anything else that could be done otherwise I was moving and had to let the house go. I even asked if I could do a deed in lui of foreclosure. They were once again, no help at all. Now it has been 3 years since I have not made a payment and the house is still not foreclosed which is making it impossible for me to move forward with my life and get into another home. I just want them to foreclose so I can start fresh.
Product: Debt collection

I have a few negative items on my credit report that is not mine. 

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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital Management Services , LP was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XX/XX/XXXX, I entered into a settlement agreement with capital management Services , LP and paid them $ XXXX- the check was cashed on XX/XX/XXXX. 

I am requesting that Capital Management Services, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the three major Credit Bureaus- XXXX XXXX and XXXX.
Product: Mortgage

I went on the Quicken loan website to inquire about a thirty year fixed rate mortgage loan. The interest rate and APR was advertised at 3.18 %. My credit is excellent. XXXX XXXX. The lowest offer that came back was 3.50 %. This occurred on XX/XX/2016. This seems odd given my credit score.
Product: Checking or savings account

Business checking account account with check written from the account to another business was fraudulently cashed. Wells Fargo failed to start a claim at the initial call for fraud which they are now claiming puts us outside of a 30 day time frame. If they had started the claim when intially they were called we would not be out of the 30 day window. Also, they refuse to investigate a fraudulent check being cashed and we will be without the money if they are unwilling to help us. 

Check # XXXX Deposit Fraud Timeline Check was written and mailed to XXXX XXXX on XX/XX/2024. Check cleared on XX/XX/2024. We happened to catch error on XX/XX/XXXX when we followed up with XXXX XXXX to ask about double payment on our part. We initiated an investigation immediately upon identifying fraud had occurred. 

XX/XX/XXXX Accountant determines check # XXXX of XX/XX/2024 cleared on XX/XX/XXXX XX/XX/XXXX learned from XXXX XXXX that had not received payment XX/XX/XXXX XXXX XXXX confirms did not receive payment and states they do not sign checks, but have official stamp ; confirm that check was cashed fraudulently XX/XX/XXXX Admin contacts Wells Fargo which has frozen account and begun investigation Wells Fargo gives confirmation # # XXXX and states I will be contacted in 10 days No contact from Wells Fargo regarding investigation XX/XX/XXXX contact Wells Fargo again to inquire about the investigation and they state they did not create a claim but will now, confirmation # XXXX, and state again I will be hearing from them in 10 days or less XX/XX/XXXX call to Wells Fargo because we have not heard from them regarding the investigation, they escalate the claim and say I will be contacted in 48 hours XX/XX/XXXX Wells Fargo says a call was attempted but I did not receive any call of voice mail. Wells Fargo states the claim will be given to the executive board for review. 

XX/XX/XXXX Voicemail received repeating original letter that they wont investigate the check because of the 30 days. No further contact.