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

I am filing this complaint regarding a refund of {$3100.00} from XXXX that was sent to my closed Wells Fargo account ending in XXXX and has not been properly credited or returned to me.

Incident Timeline : Original Issue : XXXX issued a refund of {$3100.00} to my closed Wells Fargo account. 
Instead of receiving the refund, the funds appear to have been lost, and Wells Fargo has not provided any clear documentation on where the money was sent. 
Claims Assistance Center ( XXXX XXXX XXXX ) : I received documentation from Wells Fargos Claims Assistance Center, but it incorrectly treated the issue as a dispute of the original purchases rather than a missing refund.

I called the Claims Assistance Center on XXXX XXXX XXXX, and spoke with a representative who confirmed that the claim was being handled as a transaction dispute. 
The representative stated that the Claims Department could not resolve this issue and advised that it should be handled by Customer Service. 
I attempted to contact XXXX XXXX ( XXXX Representative handling my case ), but I had to leave a voicemail. 
Conversation with XXXX XXXX ( XX/XX/year> ) : XXXX XXXX stated that the Claims Department traced the issue back to the original transactions because that was the only information they had. 
When I asked for documentation showing where Wells Fargo sent the money, he said he could not provide any and that he did not have any trace numbers. 
When I asked what the Claims Department actually investigated, he could not give me a clear answer. 
He told me I was welcome to file another complaint. 
I informed him that I had previously spoken with Wells Fargos Fraud Prevention Department, and they said the refund was held for a few business days before being sent back. 
I asked XXXX XXXX if he could contact the Fraud Prevention Department to obtain supporting documentation, but he said he could not and referred me to obtain their contact information myself. 
Key Issues : Wells Fargo has not provided any documentation or trace numbers showing where the refunded money was sent. 
The issue was wrongly processed as a transaction dispute instead of a missing refund. 
The Fraud Prevention Department acknowledged that Wells Fargo held the funds before sending them back, but no documentation has been provided to verify this. 
XXXX XXXX and the Claims Department have not given a clear explanation of their investigation or resolution.
Product: Checking or savings account

I notified checking account withdrawn {$140000.00} without my signature on XXXX XXXX the bank cancelled my request without my signature or admission on XX/XX/2020. 
My attorney called and letter to the bank to redeem for {$150000.00} on XXXX. 
My attorney called and letter to the bank to Reopen Claims {$150000.00} on XXXX XXXX the bank send letter that can not re-open without declaration on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like have my XXXXXXXX XXXX XXXX account updated the amount should XXXX.
Product: Money transfer, virtual currency, or money service

Cash app XXXX i had XXXX in my XXXX XXXX  checking account i thought i waa calling cash app for assistant someone answer a XXXX etc number they was talking to me but i saw something on my phone and my phone was moving let it was texting and all of sudden i was lock out of my cash app and my password was change and my money was move in a cash app card i found out that it went in a California account on a cash app card now my bank thought it was me but i was lock out so i had deleted the cash app account i just made a new cash app account to use it
Product: Vehicle loan or lease

On XX/XX/2018 my car was repossessed due to non payment. I was notified of a returned payment the day before ( XX/XX/2018 ) and was told on XX/XX/2018 I had until XXXX XXXX  to make the payment in full or they were going to repossess my car. I made the payment in full over the weekend and the payment posted on the following Monday XX/XX/2018.They told me they had to install a tracking device on the car, because they had to repo the car. I feel that's extreme and unfair, I never hid the car for them to feel the need to install a GPS tracking device on the car. The finance company did not release my car until Monday XX/XX/2018, meanwhile marking the car as a repossession on my credit. 

When I asked about removing the repossession off my credit because the car is currently in my possession XXXX XXXX at my finance company told me, " no we're not removing it off, it is what it is, we had to pick the car up so it's a repo, deal with it ''. 

I don't want to have a repo on my credit if the car was released to me and in my possession. 

I received correspondence post dated on XX/XX/2018 on yesterday XX/XX/2018, informing me that my car was going to be put up for sale, meanwhile I already have it back and this letter came out after the payment had been paid, while having to wait 4 extra days to receive my car back. I missed 3 days of scheduled work due to not having my vehicle, especially after I corrected the missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX promised me a corrected updated credit report and they never mail it to me. I do not have my XXXX report that shows XXXX 's XXXX. damage is off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with International Bank of Commerce was opened fraudulently under my name on or about XX/XX/2020 and closed XX/XX/2020. XXXX XXXX  XXXX opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an XXXX Checking account, and I don't understand why or how this happened. XXXX refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX  XXXX XXXX via USPS mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes XXXX different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, Texas as my correct address.
Product: Credit reporting or other personal consumer reports

Greetings Consumer Financial Protection Bureau I am writing to formally file a complaint against Experian regarding an unexplained XXXX decrease in my credit score. 

On XX/XX/XXXX, I noticed that my Experian credit score dropped XXXX points without any clear explanation. I immediately contacted Experian and spoke with a representative who informed me that the decrease was due my student loans related to a delinquency from XXXX ( Please note there's open dispute and complaint regarding false reporting with my student loans ). However, this reasoning does not justify such a significant drop in my credit score, as this information is not new and has already been on my report for several years. 

I believe this is inaccurate reporting, and Experians failure to provide a proper explanation is concerning. When I requested to speak with a manager for further clarification, I was told that no manager was available. This lack of transparency and accountability is unacceptable. 

I request that the CFPB investigate why my credit score suddenly dropped by XXXX points and ensure that Experian is held accountable for any potential errors or misleading reporting practices. This kind of reporting negatively impacts consumers, and I want to ensure that my credit score is accurately reflected. 

Thanks
Product: Credit reporting or other personal consumer reports

I have observed Ally financial service reporting on my credit report, a loan that is not under my name and i am not associated with this. I believe this is identify theft or there is mix-up on their end. I have hired multiple credit repair agencies to dispute these issues and take it off my report for years. This is negatively impacting my abilities to get business and mortgage loans. I am reporting this as a form of escalation.
Product: Bank account or service

Copy of my letter to the bank -- which was sent to XXXX instead of the XXXX branchTo whom it may concern : I 'm not sure if this email should go to you or not. But you have a branch here in XXXX XXXX, XXXX that is known to be the worst branch in the city of XXXX XXXX. There 's always a long line with XXXX or XXXX of you banking staff either talking to one another and socializing. Yes, I understand that you want your customers to start using online banking or better yet, the ATM machine. Well guess what? The ATM machine was broken today. 

None of your banking staff had the common sense to think that maybe that new teller needs help with the XXXX people in line -- using their lunch time to bank! 

So just to let you know. Terrible customer service. We all stood in line for over half an hour to put our money into your bank. Wow. This bank was a better bank with awesome customer service when it was known as Washington Mutual!
Product: Credit card or prepaid card

XX/XX/18. i filed a dispute with XXXX XXXX XXXX for {$810.00} charge on my account. The bank granted provisional credit but did not restore my credit limit. I sent numerous emails bank and forth trying to get the credit limit restored. The bank representatives have refused to correct credit limit. 

I obtained the credit slip and emailed to XXXX XXXX.   XXXX XXXX  completed dispute onXX/XX/18. 

XX/XX/18- I talked to XXXX an account manager. He told me  dispute was closed on XX/XX/18 and credit limit should systematical update on XX/XX/18. Payments or credits may take up to seven business days to process even though payments and credits are posted online. He refused to correct credit limit
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 163XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I submitted a dispute to Equifax through their online system. There are several late payments on my report that have incorrect aging as well as one that should not show a delinquency. Equifax did nothing to research the details of the complain and instead got verification from the finance company that the status they reported ( inaccurate ) matched equifax. 

I submitted another dispute requesting details on the method of verification used and the dispute was closed again with no reference of the proof I submitted of the inaccuracy. Its obvious no real review of the case was conducted. 

XX/XX/2022 I called for details and the phone rep took information and initiated an internal complaint. Nothing happened with this and it was ignored, XX/XX/XXXX on a follow up call it was told to me that the XX/XX/XXXX complaint had no relevant information despite a lengthy discussion and reference to the disregarded documentation provided. Another internal complain was initiated and as of today there has been no resolution. 

We are now over XXXX months past the time of my request and am considering my next options to have this inaccurate account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, XXXX and TransUnion from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from each of the 3 national credit reporting companies through XXXX on XX/XX/2021 and received two of them. The one from Equifax, however, has been impossible to secure so far. I prefer to get the reports online because I find it more secureIve had issues with the mail before and they contain very sensitive information. 

When a consumer is requesting the Equifax report, they are asked a few questions. The answers have to coincide with the information in their report. The problem is that none of the questions applies to the person making the request and, accordingly, they have to select something like none of the above for every single one. So the company denies access to the report for security reasons this happened to me and two relatives. 

I then made the request by phone. After that the company sent me a letter asking for a copy of personal documents containing my address and full social security number ( see the attached letter ). I sent the documents back through Certified Mail and the company got them on XX/XX/XXXX ( see the screenshots from USPS tracking tool and Certified Mail receipt ) ; but I never received the report. I dont know whether or not the report was sent or if it was lost. They have managed to make the process of getting a credit report at least the free report harder and less secure at the same time. And, at the end, the consumer may not get it at all. 

A message in XXXX says we can obtain free weekly online credit reports. But I have been unable to get my report from Equifax for more than 3 months. I have contacted the company, but to no avail. The last time, on XX/XX/XXXX, they told me they didnt receive the documents I sent them in XXXX, which is obviously incorrect. The biggest concern for me is that I dont know how they are handling this highly sensitive information. 

Thank you for your attention.
Product: Credit card or prepaid card

I received a letter from Chase Cardmember Services on XX/XX/XXXX where they closed my account because balances on account were too high compared to credit limits and currently over limit on chase accounts. However, my credit limits never exceeded the max limit and I've spent over {$40000.00} on my Chase XXXX card the following year and paid it off in full I even made a payment for {$9900.00} on XX/XX/XXXX which doesn't make any sense for chase to close my account. I have never had a late payment or missed a payment whereas I paid all my bills on time and in full a majority of the times. I have a XXXX credit score when all my balances are paid off and never had any issues with payments where chase would need to close my account. Also, this was self inflicted with chase as to my balance was within the credit limits. Chase had failed me in a chargeback from a merchant where I didn't make the purchase which is to what pushed my account over the limits and I didn't even have the time to check or respond to what happened with the merchant or the account as it all happened so fast and soon within 48 hours to get a email stating that chase closed my account. I am greatly frustrated and ashamed that after this past year chase would close my account when I have been nothing but a good customer and never missed and made all my payments on time.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXX XXXXXXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXXXXXX XXXX  XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX   XXXX ... Amount {$3700.00} for an authorized/unknown account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute XX/XX/23 for some late payments that i made them aware were not valid and needed to be removed.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me get it back up and going, i'm not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report here as i feel they are not doing thier job properly and it is affecting me a great deal as i used Paypal frequently .The email attached to my Paypal account is XXXX XXXX
Product: Student loan

I paid off my loan in full as of XX/XX/year>2024. Studentaid.gov shows over XXXX paid but Edfinancial contacted me 6+ months later demanding more payment, claiming they refunded me an extra XXXX. I believe this is an error on their part. They did indeed refund me XXXX at my request which I have paid back since then ( paid off loan in XX/XX/year>2024 ). They have been difficult to deal with, sending me multiple duplicate checks when I requested that refund of XXXX. Those checks were all voided and returned via certified mail immediately. I did not cash any checks for more than the XXXX. 

Please see attached documentation showing my loan paid in full according to the credit bureaus and studentaid.gov since XX/XX/year>2024 to this day. 

I have flawless payment history and have upheld my responsibility in paying this loan not once but twice ( paid it off during forbearance as well, which was why I requested the refund- when loan forgiveness was potentially going to occur ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.