23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In the mail, I received a Wells Fargo Visa debit card in my name. Separately in the mail, I received a pin number for this card. The paperwork included says there is a {$2000.00} purchasing limit on the card. 

I closed a Wells Fargo account over 10 years ago. I do not have any account with Wells Fargo and did not apply for this card. 

I checked my credit report and see there was a " soft inquiry '' made by Wells Fargo on XX/XX/2021. I did not get an alert from the credit company because it was not a hard inquiry. 

I believe Wells Fargo knowingly reopened an old account without my permission. This is an unauthorized account. I called Wells Fargo and closed it but was on hold for 60 minutes before I spoke to someone and we were mysteriously disconnected before we were finished. I am thoroughly alarmed by Wells Fargo. 

I also received the same exact two pieces of mail addressed to someone else, who I don't know, with my address on the envelopes. As far as I know, this person has never lived at my address. Now, I have a Visa card and pin number for a card in his name.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I did not authorize this information to be associated with my name, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2003 I was attempting to apply for an auto loan and I was working at the City of XXXX at the time, the only odd company I divulged my personal information out to was XXXX XXXX shop and I found out that their main office is located out in Florida. After this happened I was denied an auto loan from the local banks. I started receiving past due bills from stores I have never heard of XXXX, we do not have a XXXX in Alaska. Stores with this type of names were unknown to me, and other bills that had a billing location of address out in Florida, I reside in Alaska. 

The only other encounter that I ever had was when I had co-signed a loan with a family member, and I will never do that again, because they had given the car to their other in-laws and the payments went into default so this happened for a few months, I immediately went to the bank and paid 3 months of back due loan payments for something that was not never in my possession, so I gave that approximately $ XXXX {$2000.00} out for free?!!? 

It has been well over 25 years now and I had records of clearing this with Federal Bureau of Investigations ( FBI ) way before this website was developed. I had to file a police report ( s ) either with the FBI or local Florida police and kept telling them the address ( es ) because this person who stole my identity was moving and relocating and continuing to destroy my credit history. 

I was told that anything beyond 7 years is cleared history of financial downfalls by the bank industry. Correct me if I am wrong, but this is what was told to me. I have re-established all of the credit history and have had problems and been overcoming them all.
Product: Checking or savings account

I had bought tickets for a XXXX XXXX concert through XXXX. Unfortunately it was fraud. I have submitted a complaint through XXXX and a fraud case through my Huntington acct. They will not refund my money. I have requested the money back from the seller and they have blocked me.
Product: Checking or savings account

I opened a checking account in 2014, used the account for about a year or so and then I wanted to close the account but I never received my money back. I received a letter from XXXX XXXX, state controller office stating I have unclaimed money setting in my account with Wells Fargo, provided all the documentation, process, I had a lady helped me but I never heard back. I changed my name now due to marriage. I told them that and provided the back up documents like marriage license but still did not get my money. I believe I have more than {$300.00} balance amount in my account that Wells Fargo took from me. I changed my name and address now. So I am using my current billing address.
Product: Checking or savings account

Hello, Thank you for your assistance. I have been denied access to funds by Chase bank for no reasonable reason. The bank has essentially stolen my check proceeds. Details are as follows. I am a XXXX XXXX from Georgia, XXXX XXXX. My family came to XXXX, Ohio over the XXXX week to visit my older sister XXXX who is attending XXXX XXXX in that geographic area. I had received a check and I wanted to cash the check so we proceeded with my father into the chase bank branch located on XXXX XXXX XXXX in XXXX ohio on the XXXX of XXXX with the intention of depositing the check I had recieved from an insurance settlement. We met with the chase bank representative that day at approximately XXXX and presented our photo IDs ie state issued driver 's licenses and subsequently signed the back of the check in the presence of the bank representative who subsequently deposited the check into my sisters account. He promptly told us upon depositing the check that there was going to be a 7 business day hold placed on the check proceeds. We asked for the check to be returned because we preferred to wait until we returned to Georgia and simply deposit it at our bank in Georgia but we were told the check could not be returned to us. We subsequently left the bank branch that day and we waited the 7 business days and remarkably on the XXXX day my sister got a text alert from the, fraud dept. At Chase that my sisters account was suspended due to the depositing of this fraudulent check! We immediately called the individual who wrote the check whom is a lawyer XXXX XXXX XXXX in XXXX Georgia, and she produced the cleared check which was paid on the same day that I deposited the check! The check was far from fraudulent and had cleared her account that day on the XXXX of XXXX. We have called Chase bank fraud dept daily and are told they need to verify me via cell phone. I give them my phone number each day and they claim they can't reach me?. This is outrageous. The lawyer who tendered the check has called as well as gone into the local Chase bank branch to verify she wrote the check with her ID and still the funds are kept by Chase bank. My funds have been defrauded by none other than CHASE bank and I simply want our funds.We have retained a lawyer in this matter and will be moving forward with a demand letter. This is so outrageous that a bank can steal money like this! Thank you Money paid to business : XXXX Attachments ''
Product: Credit card or prepaid card

XXXX is the worst app ever, it takes them six business days and plus they dont know how to add a minumim payment period! They are currently saying im past due when im not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company is stating that I opened up 4 accounts. It says I owe them $ XXXX XXXX different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Product: Student loan

Beginning XX/XX/2019 my co-signer and I began receiving calls from SIMM Associates regarding my student loans. They have been asked to cease and desist contact to the co-signer due to their advanced age and medical status. The co signer is unable to understand or advocate. On XX/XX/19 they began calling me at work and leaving voicemails. It was requested this practice cease and desist and it continues. No also get phone calls beginning at XXXX XXXX from this company. The accounts have been closed for over a year. The company in which the letter states they represent is not the company in which I ever did business with
Product: Checking or savings account

In XXXX, I contacted Ally Bank regarding two unauthorized transactions : one for {$280.00} from a merchant named XXXX  and another for {$35.00}. After speaking with an agent, I was credited back both amounts. However, on XX/XX/XXXX, I noticed a withdrawal from my account for the exact same amount of {$280.00}. 

Upon contacting the bank again to address this issue, I was informed that they processed the withdrawal. The reasons provided were as follows : - Their investigation found no invalid PIN attempts before, during, or after the disputed transaction ( s ). 
- Their investigation determined that the disputed transaction ( s ) was consistent with either the general location, merchant, or other transaction activity that was not disputed during this time frame. 

I have requested that Ally Bank revisit this issue, as I did not make this transaction. Despite this, they have refused to investigate further and have withheld my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other ad
verse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 purpose XXXX
Product: Credit card

Refuses to validate my account using phone number on my account and credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your help. I have a hard inquiry on my credit report from Syncb on XXXX XXXX 2019 listed as : XXXX XXXX - XXXX. I do not have any knowledge of authorizing this inquiry and when I called Sycnb they couldnt give me any information to this inquiry. I didnt authorize this inquiry and Id like it removed from my credit however Syncb is not helping with this matter. Can you please assist me in this process? 

Thank you!
Product: Checking or savings account

I am writing a file to complain against Navy Federal Credit Union regarding multiple overdraft fees i have been charged. Despite having sufficient funds when transactions were authorized, I was charged fees due To lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal For similar practices where transactions settled with insufficient balances despite initially available funds. I believe this practices are unfair and request and investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. This block is not being requested in error ; this block is not being requested on the basis of misrepresentation of fact. I, XXXX XXXX, a Federally Protected Consumer, did not obtain possession of goods, services, or money as a result of this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries have been made without my authorization. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} Fraudulent Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I received two American Express gift cards from my boss as part of a XXXX bonus. One is for {$1000.00} and one is for {$500.00}. They are e- gift cards sent to me by email. I do not have physical cards, just the card numbers. 

Ive tried using these gift cards on numerous online shopping sites and they will not work. All websites say the address needs to be updated or a zip code is required. When I spoke with customer service, they said there is nothing wrong with the cards. They active and ready to use. They said an address can not be associated with a gift card. However all major realtors require an address when using a credit card online. They also suggested trying to use it with another merchant. When I explained Ive tried it at numerous online stores they said there is nothing wrong with the card and theres nothing they can do. 

Ive tried using the cards online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to name a few. The only place Ive been able to use it was at the XXXX airport to buy a meal after uploading it to my XXXX XXXX. It does not work using XXXX XXXX for any of the merchants I listed above. 

After running into this problem, I did some research online and found many people had the same problem. Reviewers say the cards are basically useless at all major merchants. Im unsure how Im supposed to be able to use these cards if the companies I listed above wont allow them. The cards are advertised as being able to use them anywhere that Amex is accepted. However that is clearly not true and I dont think my company would have bought them had they known they can only be used randomly at airports for coffee. 

I hold several Amex personal credit cards and still they will not help me. Id just like to be able to use these cards and the balance that is still on them.
Product: Credit card or prepaid card

I purchased a comprised XXXX XXXX XXXX XXXX XXXX XXXX Security code XXXX Exp XX/XX/XXXX on XX/XX/XXXX. I purchased from XXXX XXXX for XXXX. When I tried to activate it XX/XX/XXXX It showed a XXXX balance. I checked and somehow it was used at a XXXX  store on XXXX XXXX CA on XX/XX/XXXX XXXX hours after I had purchased it. Long story short... I called the XXXX and spoke with some person names XXXX ( Im sure it made up ) I advised how can a card be compromised when sealed unless the store clerk or Tech savvy people inside visa are boosting peoples info before the package is unsealed? 

I got a XXXX response of would I like to fill out survey. I said no I need my money back. The person then gave me some fax number of XXXX. I did everything they wanted me to do and fax to prove I was the owner : 1 ) You need a valid drivers license or valid id 2 ) Copy of your visa card front & back. Make sure its a light copy so it can be readable. they say 3 ) Copy of your utility bill or something with your name and address on it.

4 ) Copy of orig. receipt of where you purchased then fax this XXXX along with the ID # they gave me XXXX XXXX Then a statement showing Please register this card under the name and address shown. Wait XXXX days for a response. I faxed 4 times and after all this no agent was willing to help. Every time I called on the status of a replacement card, they just gave me the runaround or hang up on you. There excuses were : You must fax your info with 200 % and XXXX shades lighter or some XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report in XX/XX/XXXX, I noticed there was an error in status on one of my accounts. Armor Systems Corporation indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to Armor Systems Corporation informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through XXXX  to get this updated and on XX/XX/XXXX I sent XXXX  a letter asking for validation and proof of my 'unpaid ' balance. XXXX  sent an automated response indicating the account had been verified?!? This is either a blatant lie by Armor Systems Corporation and/or XXXX, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.
Product: Credit card

Since XX/XX/, Citibank Online ( web & mobile ) has said that I have a notice waiting for me to review called " 90-day legal notice for conversion. '' I have been unable to download or view this document. I have contacted the call center, my relationship manager, and my financial advisor and used the chat feature online. No one in the last ~8 weeks has been able to explain to me what this letter is about and why I can not read it or download it. No one seems to be able to send me a copy of the letter in the post. No one has a record of this letter in their systems. No one can accept a screenshot of what I'm seeing online to show them the error message " Looks like this document is temporarily unavailable right now. Please try again later. '' or other details. When I had them create a case or a complaint, they couldn't provide me a confirmation number or reference ID of that case or complaint. They said I would not receive any notification from Citi about the investigation status or when the problem would be resolved and that I would have to continue logging in each day to see if the issue was resolved. Why would a bank send such an important sounding, date-driven document that includes words like " legal notice '' and " 90-day '' and then have no record they ever sent it and no ability to allow me to read the document?
Product: Credit card

This is a second complaint against Milestone Mastercard issued by The XXXX XXXX XXXX  and serviced by Concora Credit. My initial complain is CFPB Number. XXXX The company responded as of XXXXXXXX  : COMPANY 'S INTERIM RESPONSE We are currently working on researching this complaint. In order to ensure that we thoroughly address the customers concerns, we would like to request more time to investigate and respond. 

On XX/XX/year> I paid this account in full, see my attached payment information, where I wrote : " Acceptance of the enclosed XXXX XXXX XXXX cashier 's check in the amount of {$280.00} constitutes acceptance and settlement in full of my account. '' Milestone Mastercard, the XXXX XXXX XXXX and Concora Credit accepted my payment in full, but they refuse to close my account. Part of my initial complaint was the {$170.00} annual fee that was not properly disclosed. Apparently Milestone Mastercard, the XXXX XXXX XXXX and Concora Credit are still demanding I pay a {$170.00} annual fee for a card in use for 6 days, which I closed as set forth in my initial complaint. 

Proposed resolution : Close my account as paid in full. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card

I purchased some shop equipment from a company and never received anything in over a month so I disputed the charges on my card. They have not reversed the charges or credited my card yet. They keep saying they are investigating and it takes 60 days. I can not purchase new equipment because they have not reversed the fruadulant charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$140.00}
Product: Credit reporting or other personal consumer reports

I had disputed this XXXX account # XXXX in the amount of {$19000.00} back in XXXX of 2024 and was removed because of fraud. I got a notification that this account was reinserted back in my credit report. This is not right, and Equifax has violated my fair credit reporting act rights. I have contacted a consumer lawyer in this matter and Equifax will be sued.