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

Content of the Complain to CFPB : In the name of my company, I have had a business checking account for over 25 years with Wells Fargo Bank. 
On and about XX/XX/2022, I found out that {$1000.00} was stolen from our business checking account with Wells Fargo Bank. I immediately called the Wells Fargo Bank Customer Service and requested to return the {$1000.00} amount back to my account. The Bank opened a case and they stated they will look into and do their best to return it back to our ending XXXX. 
The {$1000.00} was stolen from my account via " XXXX ' Transfer to a false name of XXXX XXXX. 
After some time, I received a very INSULTING letter from the Wells Fargo Bank stating that transfer was authorized. I immediately called the Customer Service of the Wells Fargo Bank and complained requesting who authorized that transfer. Even by insulating me saying that it might be you that authorized the transfer. Wells Fargo opened three cases which I have theses case Numbers XXXX and XXXX and many other cases as such all useless with no results. 
I bring to the CFPB attention the following : 1- Wells Fargo Bank as they have been licensed by the US Federal Government have completely failed to protect my funds.

2- Their line of reasoning is not acceptable, and they have failed to protect my funds.

3- Wells Fargo Bank holds all my passwords and secret information. They cooperate with the XXXX XXXX institution which I never knew about and never used them. 
4- I request the proper department of the CFPB to investigate the matter and bring a criminal case against Wells Fargo Bank to allow my funds to be taken away from my account. 
Please review my case and advise me how to recover my stolen the amount {$1000.00} from those people in Wells Fargo Bank that they are supposed to protect my money from being stolen and they failed to do so. 
Thank you for your attention. 
Sincerely yours, XXXX XXXX XXXX - Principal Manager XXXX XXXX XXXX  Email : XXXX Phone : ( XXXX ) XXXX I need the stolen {$1000.00} that Wells Fargo did not protect returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER used the last names, XXXX or XXXX. I have ALWAYS used the last name XXXX. Please discontinue listing XXXX and XXXX as names I have used. I never had any ID or documents using the last names XXXX or XXXX. My driver 's license and passport have always listed me as XXXX. For every job and credit, I have used XXXX. 

In XXXX my traffic speeding ticket was listed as a TRAFFIC VIOLATION REPORT. 
Why is this listed in XXXX AND XXXX as a XXXX  REPORT? This overstates and alarms people. Can you reflect this is a XXXX VIOLATION? 
Thank you, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX  I sent a bank wire transfer from my business account held with www.relayfi.com to my personal account held at XXXX When the money wasnt credited to my XXXX account on XX/XX/XXXX, I reached out to XXXX and was informed that due to a recent banking partner change those funds are now with XXXX 's old banking partner XXXX XXXX and trust and that i needd to contact Relay for them to issue a wire recall so the funds can get back to my Relay account. I immediately recahed out to Relay and requested a wire recall while speaking with ccustomer care rep XXXX. 

On XX/XX/XXXX, I was provided with a wire recall confimration number of XXXX by Relay and since that tiem i have called and emailed RELAY every day to get an update as the fudns are not back in my account. 

I recahed out to XXXX multiple times and they stated according to banking regulations it is up to RELAY to use the XXXX service to follow up on the recall and make sure it is credited back to my account as the money is currently sitting with XXXX 's old banking partner Evolve bank and this is a bank to bank process using fedwire and there is nothing I can do about it on my end. 

Relay ha sbeen an absolute disaster as they do not seem to have nay knowledge of how to get this done and my money is missing. As a small business owner it is extremely difficult to ddeaal with this situations as i have unpaid bills piling up incurring late fees and interest charges. Relay simply has failed to perform their fiduciary responsibilites as a custodian of my assets and keeps giving me a run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX XXXX have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to Experian, XXXX, and XXXX XXXX in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Synchrony Bank violation 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Released personal information without written consent
Product: Vehicle loan or lease

At this time I, XXXX XXXX, disputed the my account for violation of federal laws, and rescinding enclosed contract dated XX/XX/XXXX pursuant 15 USC 1635. CarMax Business Services , LLC has participated in unfair credit billing, fraudulent debt collection, and deceptive business practices. CarMax Business Services, LLC violated FDCPA, FCRA and FTC unfair and deceptive business practices. 

On XX/XX/XXXX CarMax Auto Superstore , Inc as the seller entered a contract in a consumer credit transactions in the amount of {$14000.00}, and accepted a cash transaction of {$2000.00} ( violating 15 USC 1605a ), totaling {$16000.00} for the purchase of XXXX XXXX XXXX. The contract violated TRUTH IN LENDING disclosure requirements. CarMax Business Services, LLC violated FCRA 621, FDCPA 807 and FDCPA 808, 15 USC 1666. Nowhere in the contract was the APR or Finance charge disclosed. I also disputed the accuracy of this account several times.

Pursuant 15 USC 1605 the amount of the finance charge in connection with any consumer credit transactions shall be determined as the sum of all charges. CarMax Auto Superstore failed to provide the Finance charge, APR or total amount of payments as required by Federal Truth In Lending Act Disclosure requirements. Finance charges does not include fees by a third party. Finance charges are imposed as an incident to the extension of credit ; not to be complied with other fees.

Pursuant 15 USC 1692a ( 4 ) creditor does not include assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Pursuant 15 USC 1692a ( 6 ) Debt Collector CarMax Business Services, LLC had no rights to collect a debt on the consumer credit transactions involving CarMax Auto Superstore , Inc on XX/XX/XXXX, as a third party. CarMax Business Services, LLC therefore participated in unfair credit billing, fraudulent debt collection, unfair and deceptive business practices and was unjustly enriched.
Product: Credit reporting or other personal consumer reports

I am requesting assistance from the CFPB concerning the violation of my rights as a consumer. I was a victim of ID theft, I noticed the credit bureaus of the fraudulent account and inquiries posted on my credit report that needs to be blocked and removed immediately per federal law FCRA fair credit act section 609 and section 609 ; also federal law 15 U.S.C 1681 C-2. I have provided copies of official police report and Federal trade commission Idenitity theft affidavit along with my social security card Drivers license and utility bill. The following information I am demanding be blocked and removed immediately per federal law : FRAUDULENT ACCOUNT XXXX XXXX XXXX account XXXX opened XX/XX/year> {$6900.00}. 

Fraudulent INQUIRIES : XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence 1 provided, causing ongoing harm to my creditstanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Product: Credit reporting or other personal consumer reports

Company is in violation of 15 usc 1681 by way of reporting account number, balances, and late payments on child support which are clearly against FCRA
Product: Credit reporting or other personal consumer reports

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake. 

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the accounts that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've been receiving emails from Chase, my checking account is there. I've been enrolled without my permission into something call XXXX  XXXX  from Chase and they transferred me 6 times and disconnected me. They keep telling me this has nothing to do with the Chase. Yet the emails are coming from Chase. They claims I have to call XXXX XXXX to resolve this issue. This has nothing to do with XXXX XXXX and there is no place for me to unsubscribe. I'm very upset with the way Chase has handled this matter.
Product: Credit reporting or other personal consumer reports

I am putting XXXX, XXXX and transunion up under notice for potential Fraud and bad business practices for Harboring Negative personal information on my consumer report that I have already opted out of reporting from XXXX, XXXX and transunion All the following collections are negative experiences and Accounts in accordance to 15 us code 1681A I If all collections are not removed I will escalate this case to the federal level where XXXX, XXXX and transunion will have to answer for The reporting of such information without my written authorization, Without ever disclosing and documentation for me to opt out of Information reporting Remove all collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was denied from multiple homes and apartments because of an unlawful detainer case ( from XXXX years ago ) that was assigned to my file with SafeRent. 

It does not show up on my credit/consumer report or public records. I tried disputing directly with them and letting them know that there are multiple people in my county with the same first and last name. 

After sending them my dispute paperwork and emails, they told me ( less than 24 hours later ) that they verified the information with the court. However, after I checked with the court, there was no middle or last name associated with the case and there is no date of birth or social security number assigned to the case either. How was it verified? 

Our lease just ended on XX/XX/2023 ( on good terms ) and after paying around {$1700.00} in application fees and being denied EVERYWHERE we've applied, we reapplied to the apartments we literally just lived at for the past 7 years and were denied!!!! My family and I are literally homeless right now because of SafeRent. 

SafeRent 's ultimate solution was for me to just wait until it fell off my file in 6 months. Where are we supposed to live until then?!?
Product: Debt collection

XXXX XXXX XXXX and Emmett Goodman office have not provided me with the information and documentation I have requested in regards to alleged debt. 
Everything is listed in documents attached as well as in this box. I have placed a freeze on my credit report so that no more unauthorized pulls or fraudulent accounts are added to my file. I am very concerned about the way XXXX XXXX XXXX opened an account and added it to my credit file as if its a new account? Yet only reported it when a summons was delivered on XX/XX/2019. This alleged debt has NOT been validated and still hasn't been. Both XXXX XXXX XXXX and Emmett Goodman 's Office has not furnished me with the documents I need for the hearing. I want this information in writing. Not hearsay or what they say XXXX XXXX XXXX says. Along with the information I am requesting and have a right to see and examine, I also want the entire unredacted file from XXXX XXXX that XXXX XXXX XXXX received electronically and also the physical documents sent to them. I have a right to examine this. XXXX XXXX XXXX and their counsel should be able to produce even basic information to say the least.
Product: Credit reporting or other personal consumer reports

Unverified inquiry on my report maintained by Equifax. I even got a confirmation # that the inquiry had been deleted and removed but clearly good faith was not displayed by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OVER MY CORRECT INFORMATION TO XXXX AND EXPERIAN, AND THEY REFUSE TO CHANGE THE INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE INCLUDED MY DRIVERS LICENSE, CURRENT BILLS, LEASE BANK STATEMENTS AND W2, THEY STILL REFUSE TO UPDATE MY INFORMATION.
Product: Consumer Loan

I was APPROVED And funds were never given but now I 'm being charged
Product: Student loan

Citibank fails to allow there customers to set up auto pay online. I have mailed in their form multiple times. There is no confirmation t hat the account is set up. Every other student loan company allows auto pay online, why is Citibank any different? When I 've called to confirm the auto pay has been set up, I 've been told the form was not received. This has happened 4 times. This is a mistreatment of their customers and I demand action be taking to assure that Citi student loan customers are treated fairly. It 's the 21st century. Auto pay is everywhere. It is time for Citi bank to join.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting fraudulent information on my credit file ... Items were removed in XX/XX/XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from Equifax on XXXX accounts that have been disputed multiple times ... XXXX XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on Equifax 2 times between XX/XX/XXXX and XX/XX/XXXX. The file isn't reporting per Equifax so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. Equifax sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from Equifax stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and Equifax never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. Equifax has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely Equifax is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I filed bankruptcy with the USBK court of XXXX. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the XXXX  of XXXX  and they have stated that they DO NOT report to the credit bureau. 

I submitted a dispute to TRANSUNION to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. 

I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the XXXX    Court of XXXX  stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to TRANSUNION and they can not provide me with the source they spoke with at XXXX COurt of XXXX  to verify this account is valid.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019I was notified and alerted by credit bureau XXXX that CBCINNOVIS requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19@ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19@ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/XXXX @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19after I spoke with him at XXXX he said he had sent a correction letter to XXXX, XXXX  and XXXX  but today XX/XX/19@ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from XXXX  XXXX  or Innovis for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.