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

Due covid pandemic I began to experience serious hardships by losing my job so As my banking account was decreasing I was forced to start paying extra attention to my money available and as began to looking into my accounts I found that there were charges that were not being made by me and nor was any where near the citys the charges were being made? Chase bank agreed with me there was fraud and several other charges not authorized by me and denied refunding me the amount XXXX stolen which added up to be close to {$2000.00} dollars and when I filed the claim they gave me the money back until further investigation? And months later after investigation of the claim they found out what my claims to be accurate however due to company policy anything over 90 days not reported is not able to refund the fraud charges so they with out notice took the money out of my account back the {$2000.00} and I only had probably half that in the checking account so it not only made my account immediately overdrawn i was charged a penalty fee for the overdrawn and it made my account negative and all my credit cards were on auto pay and cell phone and those automatic payments were charged and denied and i was charged again for each credit card transaction and thus my credit cards companies reported me late fees and the whole situation destroyed my credit score destroyed my account was charged all kind of crazy fees and made my account more overdrawn and the bank did not care if i was charged to much or that they created damage and put me in further dept and for them to not refund the unauthorized charges after agreeing with me im not responsible but am responsible for the money because of a time limits is absolutely absurd it there fault for authorizations of my money being charged by someone else in a another country they authorized the payments not me why should i be responsible for that? I dont XXXX is who got my information but it was used religiously and verified it was not me or my consent and top of it they take the money back in the middle of a pandemic and completely ruined my credit card history and I dont believe a time restriction should free them of responsibility of paying it when there the ones control of the account and authorizations?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 XXXX XXXX called me and wanted to know if I had applied for a XXXX XXXX card. I said " no '' and stated that this was a fraudulent application. Needless to say this inquiry is reflected as a hard inquiry on my XXXX credit report. I called XXXX XXXX  and they told me that they had notified the three reporting agencies about the fraudulent inquiry and should be taken off my credit report. To this date it is still reflected on my XXXX  report. My patience is now exhausted
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX keeps updating the balance on a canceled debt in violation of the FCRA inaccurate credit reporting a cancled debt has no BALANCE
Product: Credit reporting or other personal consumer reports

I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to XXXX XXXX equifax XXXX and XXXX XXXX but the complaint will only let me upload one letter but they all got a letter like the attached letter
Product: Credit reporting or other personal consumer reports

I recently conducted a credit report investigation that left me XXXX  for days because I discovered facts that your agency failed to verify were true, erroneous, suspicious, and unverifiable. 

All information on my credit report must be completely accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely correct. All of the letters that were sent are attached below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX  This letter is being sent to you in response to a listing on my credit report. Be advised t pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed, and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : Please provide evidence of your authorization under 15 USC 1692e and 15 USC 1692f in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please provide evidence of your authorization to do business in my state. 
XXXX. Please provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : -- - Account Name : -- - XXXX XXXX Account Number : -- - XXXX Date of Charge Off : -- - XX/XX/year> Amount : -- - {$770.00} I previously submitted a disputed to Experian regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Experian failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Student loan

I was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Knight Adjustment bureau are reporting the same debt on my credit file. I recently checked my credit and noticed that XXXX XXXX was reporting a balance on an account that they closed and transferred to Knight Adjustment. I was never aware that I had debt with XXXX XXXX and I was never notified that I was being sent to collections. I never received notices from XXXX XXXX or Knight Adjustment before it started to report on my credit. This is in clear violation of my 30 day right to dispute and the FCRA. This account is ALSO double reporting which is another violation under the FCRA. They need to remove these accounts immediately.
Product: Credit card or prepaid card

I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight due to their pilot strike. Chase said they would refund my flight due to XXXX cancelling because of the pilot strike. At first chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit and it would come as XXXX points. Which only has a cash value of {$670.00}. This is less than the travel I booked. I was also told this refund would come by XX/XX/2022. It has not. Can you please help me get my money back. They have been holding it up for three months now with no concern for my financial well being.
Product: Credit card or prepaid card

This credit card account was paid in full in XX/XX/XXXX in the amount of {$410.00}. On XX/XX/XXXX I unexpectedly had too file a Chapter XXXX Bankruptcy petition and this account had to be included according to my attorney. We later realized that payment has never processed to Wells Fargo for my credit card so the balance was included in my debt consolidation for the next 3-5 years. On XX/XX/XXXX In received notification that Wells Fargo has reported the status of this account as a " charge off/ bad debt '' which resulted in a major decrease in my credit score. According to my Semi-Annual Report from the Chapter XXXX Trustee, the current balance now owed to Wells Fargo is {$22.00}. The amount reported is incorrect and the status and description of the account are completely INACCURATE.I am requesting that this account is deleted or updated.
Product: Checking or savings account

My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX  years.
Product: Checking or savings account

On XX/XX/XXXX my account was charged XXXX for XXXX XXXX XXXX and XXXX for XXXX and XXXX from a atm, I didn't authorize these charges me and my daughter called the bank Wells Fargo and disputed the transactions than they told me and her that we can not dispute them because they didn't meet certain standards which is crazy because I never went to these stores.
Product: Vehicle loan or lease

I mailed a dispute letter to Wells Fargo Dealer Services explaining my balance was being incorrectly reported to the credit bureaus. I also explained that I ended the deferment in XXXX and have been paying the loan each month. 
However, Wells Fargo Dealer services corrected my balance but failed to correct the deferment status. 
My account with them still shows I made my last car loan payment in XX/XX/2020. This is being reported as No Data Available on my credit report with all 3 credit bureaus. This is incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I informed Experian by mail that there was incorrect and/or outdated information reporting on my credit file. 
I've asked Experian to correct this information. Experian has only partially corrected the problems. I am asking Experian to thoroughly read my documents and remove the incorrect information I have listed. 

I am currently disputing items on my credit report. There is no third party acting on my behalf. 

I have attached the proper identification to verify my identity. 

Experian has accused me of using a 3 party to act as myself. This is a lie and a known stall tactic being used by Experian. 

There is no other person or any credit company acting on my behalf. Attached are my proof of documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/ The credit bureau stated account name and account was properly investigation but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate this ground for removal.They also violated my right under ls u s.c 1681 section 604 A section 2 The law clearly states a consusumer reporting agency can not furnish a account without my written insinuation.I haven given these account 's written permission to furnish these accounts on my credit report!
Product: Credit card or prepaid card

On XX/XX/XXXX I realized my eppicard had been compromised. I immediately contacted the eppi card center where I sat on hold for over 4 hours to be connected to someone in the fraud department. I filed my complaint and explained the card was in my possession the entire time so my guess was the person made a copy of my card. I also explained my frustration at them not having these cards with the chip because this would have eliminated this type of fraud. I was not even in the state when these transactions occurred. I received my letter back in XXXX stating that they find the charges not to be fraudulent. I called them to ask for a description of their findings, where I sat on hold for another 3 hours to be connected to someone. They told me they were forwarding my complaint to another fraud department and I would be hearing from someone in a few days. A week went by and I heard nothing, I called again and sat on hold for over 3 hours again and was told just to fax everything into them again. Which I did. Still hearing nothing I went and filed a police report, I faxed that into them over a week ago and faxed it again one last time on XX/XX/20. I still have heard nothing from anyone. All of this would have been resolved if they had the chips in these cards. The chips are to protect the consumer. Both the XXXX and the Atm machine are both XXXX compliant and have the chip capabilities. If these cards had the chips the atm would not have worked because it would have known that the card WITH THAT NUMBER had a chip. I have filed the police report and have done everything they have asked.
Product: Debt collection

When the agent called me on XXXX XXXXXXXX XXXX the agent did not tell me that the call was being recorded until over halfway through. I tried to explain to her that we were going to small claims court and she was telling me that the other side had lawyers and that I would not win because of things that I did not do. She was telling me that I had not read my lease and that I had done things that I had done and not done. The phone call was at XXXX XXXX and lasted XXXX mins and XXXX seconds. I took the time and the length of time off of my phone.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am the Treasurer on the Board of a nonprofit called the XXXX XXXX XXXX XXXX XXXX, a small spiritual group headquartered in XXXX, Massachusetts. For many years we banked with XXXX XXXX XXXXXXXX XXXX  which was taken over by M & T bank around XXXX XXXX this past XXXX. 

In early XXXX we noticed fraudulent activity on our checking account, we went to the bank to report it, closed that account, and opened a new checking account. In total there were 17 fraudulent charges against us. I'm a little unclear about the timing but I believe it was in XXXX we saw two fraudulent withdraws from our new checking account so we closed that and opened a new account. The new, third account had one fraudulent withdrawal 10 days ago but the bank quickly accepted the withdrawal as fraudulent and returned the funds. 

Today I received this email from XXXX XXXX, M & T branch manager in XXXX. ( She used to be the manager in XXXX where I used to live ). 

" Hi XXXX, I researched all the claims for the three accounts very thoroughly with our customer support team. The three transactions you mentioned below, M & T reached out to the receiving banks and we learned these transactions were processed through XXXX, a payment processing company. XXXX will not honor or review claim disputes that were not initiated within 24 hours of the original charge. You should have received communication from M & T recently regarding the finalization of these claims. I will forward copies to the XXXX XXXX so you may pick up a hard copy, or I can mail them to you. Please advise which works better for you. 

Thank you, XXXX '' in a second email from XXXX today she wrote : " I just replied to your previous message regarding the three XXXX XXXX transactions. I also replied to your other message about the two checks drawn from the account ending in XXXX. I would recommend reaching out to these companies directly to see if there is any additional investigation to be done ; they have denied the claims placed through M & T. For XXXX XXXX, try calling XXXX, here is their site - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For the {$1800.00} check XXXX XXXX  - Online Banking | Open an Online Bank Account | XXXX ; for the {$4500.00} check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' We are hoping you can help us recover our funds. The three instances mentioned above are all obviously fraudulent and the bank is not taking any responsibility for allowing these charges to be paid. The bank has strung us along for months, not at all transparent in their process until today they say they can't do anything more and it's on us to get out money back. Can you please help us? What is the bank 's responsibility here? Do we need a lawyer and take them to court? Any help and advice you can give us will be appreciated.