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

My mother passed away in XXXX of XXXX, and a life insurance check dated XX/XX/XXXX  ( # XXXX {$10000.00} ) for policy # XXXX was issued by XXXX XXXX on XX/XX/XXXX  and deposited on XX/XX/2016. The check was stolen from the mail and was subsequently cashed fraudulently by Wells Fargo, due to a mobile deposit and a checking account opened by someone unauthorized. XXXX XXXX Identify theft. The person ( s ) who stole the check was possibly a tenant paying rent at my residence. I believe they also stole my drivers license and used it to open an account in my name, and then mobile deposited the life insurance check for which i was the beneficiary. I have contacted Wells Fargo and received a response, however they are unable to provide reimbursement for a check that was fraudulently negotiated. Wells Fargo states that reimbursement lies solely on the issuer of the check XXXX XXXX XXXX XXXX XXXX. Ive contacted XXXX XXXX via telephone but never recieved any response in resolving this matter. In the telephone call with XXXX XXXX I was told by XXXX XXXX that Wells Fargo was at fault and that they would have to reimburse since they were negligent. In other words both the issuer of the check and the bank that cashed the check are refusing to help. At the time said check was stolen, and subsequently negotiated fraudulently, i was XXXX. The check was my mothers life insurance check and i the beneficiary. Because i was XXXX  i was unable to pursue any sort of action. In fact i learned of this when i recieved a copy of the cashed check while XXXX. My only recourse it seems is to hire a civil litigation lawyer and sue either one or both parties aforementioned, unless there is another way of which i can resolve this matter. I lost my mothers home because the money from the life insurance policy was to pay the mortgage while i was XXXX.
Product: Debt collection

Company has called me numerous times throughout the day every day. I have already advised them to stop contacting me. They continue to contact me.
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Product: Credit card or prepaid card

Hello, I was contacted by Chase concerning a debt that I owe on a credit card opened in my name. The credit card issued is not a card that I have ever possessed nor applied for. The account was fraudulently opened under my name. When I contacted Chase they stated that the card had been issued in XX/XX/XXXX and the account was bought by another company for collections. They then provided me with a phone number to contact regarding the account. When I called the number there was not an operator nor a legitimate company answering system. It was an recorded advertisement. I have contacted the FTC to report the fraud as well as XX/XX/XXXX. And now have put a freeze on my credit report throughXX/XX/XXXX. What are the next steps in removing the account from my name and reporting the Identity Theft? I would really like to have the account absolved from my name. 

Thank you, XXXX XXXX
Product: Debt collection

As youll see in the attachment which was sent to Wells Fargo is that I already has a Homeowners Policy however Wells Fargo continues to price gouge me once again. And despite following the directions from a high ranking representative by advising me to get this matter straight with my Homeowners Insurance they continues to play games and as you all can see just bill me beyond measure.
Product: Checking or savings account

PNC AND does nothing after reporting that {$4000.00} came missing from my account.
Product: Debt collection

XXXX  ,201  4- $  XXXX - ask   Midland Funding to remove this off  my credit report because this account is past 7 years and no one call me,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/2024 I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XX/XX/2024. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2024. Therefore, your response was due on or by XX/XX/2024. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and XXXX account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Product: Credit card

Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.
Product: Student loan

I have been waiting results from Fed Loan Servicing for PSLF qualification of a prior employment for a number of months. Said employer most definitely qualifies for eligibility and former colleagues from this employer have recently been qualified. All required paperwork ( forms sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ) has been filed on my behalf. Phone calls and emails have been placed ( XX/XX/XXXX ) by this employer as well as by myself however to no avail. Attempts to speak with someone directly have been futile and simply result in automated messages with recorded advice to visit the website which only perpetuates the vicious cycle.
Product: Vehicle loan or lease

Loan with USAA. Sold vehicle to XXXX. USAA quoted different payoff amounts to me and XXXX. After I sold the car I tried to cancel the auto pay. USAA refused to stop the auto pay. Ended up taking an extra payment. USAA refuses to return the money. I have the title and a loan satisfaction letter dated XX/XX/2021 but USAA still refuses to return the {$470.00} overpayment. Their internal policy is to hold funds for 15 days from the date of receipt of payment. Then 2-3 business days after the 15 calendar days. USAA demanded my bank records to prove that the funds were taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

I canceled a XXXX order that was never received and was even given confirmation via XXXX that I would not be charged along with a reference number on it. It was given to USAA along with proof of cancelation. I was at first given a provisional credit until they finished the dispute claim, however I was sent an email stating that I did not submit proof and would be subject to a reversal. I sent proof again and the provisional credit was still reversed. I contacted and spoke to a total of six agents since then stating that I would have someone give me a call to go over and return my funds and that the claim would be escalated. Each stating I would receive a call sometime later that day. It never happened. This has been going on since XXXX and I want my money back. This is for claim number XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report. I check it regularly, and suddenly, these discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. These errors didn't go away, and now Im left deeply concerned. I urgently request a thorough review of the documents Ive submitted so that I can stop worrying about this happening again.
Product: Checking or savings account

I had an account with cash app for over a year and did not have any issues with fraud until i needed to purchase a car. I had woke up one morning to my Cashapp account being signed out, i had troubles signing in, resulting into me having to make another account but i tried my previous account again and it finally went through. All my money was out my account and my email was changed the money was sent to an user who was one of the users i most frequently made transactions to. I called that person to confirm if they received it and they did not receive it or knew what i was talking about. I tried to refund the money with the user it said the money was sent to but cashapp told me their funds were efficient resulting in my not being able to get my money. I created multiple cases and the results were denied because cashapp saying I authorized the payment, which i did not. I want to sue and i seen you had an case open so I figured to try and see the outcome since the company does not want to say they messed up within their security to their users. I have screenshots of most of the information i told you above, contact is XXXX. XXXX if want to further this conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account closed and completely removed from transaction. A few months later it was put back on my credit report with a new start date. I wasnt given any type of 5 day notice of reinserting, section 6-11 of fair credit. I also for some reason have child support as a job & thats not correct. I also have numerous inquiries that arent attached to any files on my credit that I needed removed. The lady XXXX XXXX stated she cant help me in any way possible but she can delete the incorrect job info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC
Product: Checking or savings account

Capital One blocks access to the budgeting and financial planning app XXXX ( XXXX ). I 've used my secure access code when attempting to set up the service and it has been verified as correct, but I am being told by XXXX that Capital One is blocking their access to my account. There is no setting that I can change on my checking account, nor is there a written policy I have found that explains why this app would be blocked without my permission.
Product: Mortgage

I am writing in response and requesting a NEW INVESTIGATION into the deception that was submitted that was submitted to the CFPB Complaint # XXXX, the letter dated XX/XX/XXXX, regarding M & T Banks failure to acknowledge and honor my timely filed rescission request, which was sent to them on XX/XX/XXXX, concerning my mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 

M & T Banks failure to recognize and act upon the letter of rescission is not only a violation of federal law but also a direct contradiction to the clear and unequivocal guidelines set forth by the United States Supreme Court. Specifically, in the case Jesinoski v. Countrywide Home Loans , Inc., 135 S. Ct. 790 ( 2015 ), the Court held that a borrowers rescission of a mortgage loan under the Truth in Lending Act ( TILA ) is effective once the rescission notice is mailed to the lender or servicer. The Court ruled that the borrower is not required to provide any further explanation or justification for the rescission, and the rescission becomes effective immediately upon mailing. 

M & T Bank has disregarded this law by failing to acknowledge that my rescission notice was properly mailed on XX/XX/XXXX, in accordance with 15 U.S.C. 1635 and the Supreme Court 's ruling in Jesinoski. As the law clearly states, rescission is automatic and effective upon mailing, and M & T Banks continued failure to comply with my lawful request constitutes a violation of both federal law and the protections afforded to borrowers under TILA.

Additionally, the Illinois state laws also support my position. Under 815 ILCS 505/2, the Illinois Consumer Fraud and Deceptive Business Practices Act, consumers are protected from unfair business practices, including a failure to honor a legally binding rescission. Furthermore, under Illinois case law, including Williams v. Ameribank, 330 Ill. App. 3d 537 ( 2002 ), Illinois courts have affirmed that once a rescission notice is mailed in accordance with TILA, it is valid and enforceable without the lender 's further consent. 

I am deeply concerned by M & T Banks refusal to comply with this legal obligation. The failure to recognize my timely and lawful rescission is causing me significant distress and potentially exposing me to continued financial harm. The law is clear : my rescission is effective immediately, and I request that the CFPB take immediate action to ensure that M & T Bank adheres to the legal requirements of rescission under both federal and Illinois state law.

I respectfully request that the CFPB require M & T Bank to : Acknowledge and honor my rescission notice. 
Provide written confirmation that the rescission has been processed and that the loan has been terminated. 
Reverse any fees or charges related to this mortgage account that have been applied since the date of the rescission. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and intervention to enforce my rights under the law.
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX U.S.C XXXX ) that Equifax credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report. That is the result of Identity theft and fraud within XXXX business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX the account number XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by Equifax which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Vehicle loan or lease

I've been paying too much for 2 years and they will not give me a payout option or refinance option the vehicle is at {$150000.00} miles and they won't even send me a new updated payment book which I lost the first one to know where I'm stand and how many payments I have left they never respond to me and one time on the phone they tried to be little me over One late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees XXXX disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company,  XXXX XXXX XXXX has recorded a charge off amount of XXXX XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , XXXX , XXXX ). 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX