23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Information deleted from my file a year or two back that I disputed is re-appearing on my file. I previously sent Early Warning a police report and other documentation and as per Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) they are reporting inaccurate and previously deleted information on my report.
I have never banked with this financial institutions or had this bank accounts ; Bank Name : XXXX XXXX XXXX - XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX  Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX  Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date :XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Previous Account Status : Savings Post No Debits Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date :XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX There is also a listed transaction that I do not recognize been reported on this file.
Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX XXXX  {$200.00} Account Closed
Product: Mortgage

XXXX/Dovenmuehle Mortgage Inc,they are crooks and they committing fraud,trying to steal my home.XXXX concocted the fraud stating that they raised my monthy payment for almost $XXXX per month ,fraudulently stating that my real estate taxes doubled.(not the case).After numerous complaints,phone calls,letters,emails they stated that the increase was due to my home insurance (stating my home insurance is $XXXX   per annum (while in reality insurance is $XXXX).They continue sending me letters stating my home is being placed into foreclosure and fraudulently demanding extra $XXXX to be paid.myself and my family had to sell car,diamonds ,paintings and other valuables at the fraction of the price.Refinancing loan ,saving us $XXXX in mortgage during the life of loan  did not get through due to false credit reporting by XXXX.XXXX/Dovenmuehle is a fraud and need to be shut down in USA.Need your help to recoup financial  damages and this fraud of a company need to be shut down, or be highly overseen by government.
Product: Credit reporting or other personal consumer reports

I assert that the presence of inaccurately reported late payment remarks on my accounts violates the 15 USC 1666.
Product: Checking or savings account

On XX/XX/XXXX I made my first transfer to betterment for {$20000.00}. On XX/XX/XXXX, I made a second transfer for {$1100.00} but betterment pulled it from the wrong account so it was returned. I re-initiated the transfer from the correct account on XX/XX/XXXX. On XX/XX/XXXX I received an email stating " Weve temporarily suspended your account for your protection. '' I immediately sent them an email asking why my account had been suspended. I contacted the " accountsecurity '' email address provided. When I call their account security team and attempt to get a hold of a representative regarding account access it simply says to email them. On XX/XX/XXXX XXXX email accountsecurity again and let them know no one has responded to me yet, and they inform me to call their support line and speak to someone on the investing team. I called and spoke to a support representative on XX/XX/XXXX and I answered some questions regarding my account activity and was under the impression that my access would be restored and that I would hear back by the end of the day. On XX/XX/XXXX after not hearing back I called again, and went through the same process, assured I would hear back by the end of the day. Today, XX/XX/XXXX I called a third time and was told that unfortunately my account has been permanently suspended. There is no manager for me to talk to, no one that I can discuss this issue with.
Product: Credit reporting or other personal consumer reports

Several companies checked my credit report without my permission, negatively affecting my credit and credit score. I spoke with XXXX, and they promised that these entries would be removed, but they are still visible on my report. These unauthorized and fraudulent inquiries are causing me significant concern, as Im anxious that I might be dealing with identity theft. This is adding unnecessary stress and further damaging my credit score.
Product: Checking or savings account

I opened a Citi checking account, since the bank was offering a {$700.00} bonus for depositing XXXX in new funds. The terms and conditions mentioned that you have to fund the account in 20 days from account opening, and keep the funds in the account for 60 days. The bonus would be paid out within 90 days after. 

The account was opened XX/XX/XXXX, funded by XX/XX/XXXX ( within 20 days ), and money was held till ( XX/XX/XXXX ). XXXX met again. I even called Citi twice to ensure the bonus code was added and did all my paperwork over the phone with a representative. They assured me code was added and my account was eligible for the bonus. I also called and verified when the money can be taken out of the account. I was given two Seperate answers but went with the later one as it matched the 60 day holding period.

I have been waiting for the bonus now for 2 months. Every time I call I get the run around and each time its a different answer. The representatives are rude, incompetent, and deceiving. Be careful with this bank!
Product: Checking or savings account

On XX/XX/2024, I notified Wells Fargo Bank that there were 2 fraudulent transactions, a withdrawal of {$50.00} for XXXX XXXX XXXX XXXX which was credited back to my account and XXXX for {$960.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both were processed using my ATM card ending in XXXX and debited my checking account, which was in my possession in XXXX XXXX XXXX since XX/XX/2024 and had not been out of my possession. I ONLY use the card for cash deposits or withdrawals at the ATM machine. I was told by XXXX XXXX that an ATM card was not presented for payment. Even though I contacted Wells Fargo indicating that they were both fraudulent transactions, the bank proceeded to pay the {$960.00} from my checking account. 

The claim number assigned was # XXXX. The {$50.00} claim was closed on XX/XX/2024 with no resolution of the {$960.00} portion of the claim. The XXXX XXXX documentation shows that the funds were paid to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as WF told me and my name is not XXXX XXXX and I don't have an Android phone. My son, XXXX XXXX XXXX who lives in XXXX  sent the Fraud team a notarized letter indicating that he had not receive the {$960.00} and he is a POA on my account. His letter was not included in the documentation sent me by WF. 

Perhaps if a WF representative took the time to review the documents they received if wouldn't take 4 months to return my {$960.00}.
Product: Mortgage

When is enough enough? I 've been back and forward with Wells Fargo in regards to modification for a long Of time. I just learned today, when I call to find out the status of my modification and regards to all the paperwork, that I keep submitting over and over again. I was told as of today, Wells Fargo stated, that they did n't have no paperwork on my modification. Wells Fargo rep alos told me that I never apply for modification. 

Wells Fargo, is now claiming they never received any notification in regards to any modification or paperwork. I was assigned to a different person now. Who said I had to start the whole process all over again. Wells Fargo wants me to submit my paperwork all over again. 

Within the past few years, I 'm trying to get this modification going. I 've been assigned more than XXXX different people from Wells Fargo on my case. I can not understand, why am I be given the run around. Why am I being assigned so many different people. Why can I just have one person assigned to this case from start to finish? 

Today somebody else called me and said they had been assigned to my case. Now today alone, I get XXXX different people assigned to my case as of today. That is XXXX more added, to all the other people that has been assigned to my case from before. 

Is this some type of a form of a joke? Wells Fargo is trying to play games with me. They assign multiple people to my case. They had lost my paperwork multiple times. Every time I do this modification, I am giving every excuse in the book. 

Wells Fargo will still say I need more documents to be submitted, the documents that I submit is now too old now, we needed to assign somebody else to your case and start the paperwork all over again, your paperwork is in review with the underwriter. Which I 'm told it could take a couple of months for them to decide. How many times do I need to submit the same paperwork over and over again? How many more times does somebody need to be assigned to my case? How many more times can you say I 'm missing a documents. Yet Wells Fargo said they had everything they needed.
Product: Bank account or service

We needed to borrow {$40000.00} to purchase a house that was for sale in XXXX NV. We approached Wells Fargo bank, which we have been customers with since 1993, have all our checking & rental accounts with and XXXX house mortgage. We filled out their loan paperwork & submitted all necessary documents. We have an excellent credit rating, my husband is employed full time, I 'm retired receiving state retirement & working part-time. We own a duplex & XXXX houses, rented continuously for over 5 years, and a weekend home XXXX valued at {$180000.00}, all completely paid for. We have XXXX vehicles, XXXX that are financed through the credit union and XXXX paid off. We had no credit card balance at the time of the application, as we usually pay off the balance on our cards each month. 
*My complaint : With everything I have stated above, Wells Fargo Bank XXXX who has stated we were such great, long-time customers, could NOT borrow the asked for amount of money to purchase a house because " they were UNCOMFORTABLE loaning us the money! Why? Even our local federal credit union loaned us {$50000.00} in an unsecured loan, and we have XXXX cars on credit with them!! Something needs to be investigated into the loaning practices & customer services of Wells Fargo Bank. We were even willing to pay their outrageous interest rate & fee program. Thank you.
Product: Checking or savings account

My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online. 

In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen.

The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine.

I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge. 

I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call. 

I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX. 

At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX, I contacted XXXX via mail about correcting an incorrect Date of Last Payment ( See attachment ) on a long closed XXXX Bank account # XXXX. As of today, XX/XX/XXXX, instead of investigating and correcting the problem of an incorrect Date of Last Payment, XXXX posted on my XXXX  Credit Report ( See attachment ) that the account, which was closed years ago and was written off via a XXXX by XXXX Bank back in XXXX ( See Attachment ), was now magically reopened! To add insult to injury, they also reported that I was now " deceased '' even though I provided, with my XX/XX/XXXX letter, a copy of my current passport, social security card and utility bill ( See attachment )! The results of their actions have cause my XXXX score to disappear right at the time I am applying for an auto and home loan. The results of their malevalent actions will likely cause me to lose both loans.
Product: Bank account or service

I transferred money from my Rushcard Prepaid Visa card on XXXX XXXX, 2015, to my XXXX checking account. It was an amount of {$370.00}. The money is shown on my XXXX account as a credit and the balance showed that. On XXXX XXXX, 2015, {$370.00} was debited from my XXXX account back to my Rushcard account, and my Rushcard was unlinked from my XXXX account, bringing my account to a negative balance. That money should have gone back to my Rushcard, but it did n't. I also found out that the transfer out of my Rushcard account into my XXXX account did n't show up on my Rushcard. I called XXXX, and they told me that this would be on Rushcard 's side. Rushcard has been telling me that they do n't see the transaction on my card, so I ca n't get my money back. When I first called Rushcard about it, I was told that the transaction was seen on my card, and that whenever their system recovered from the system outage that occurred coincidentally right after I transferred the money, that my balance would be updated. Subsequently, I was told that the transfer is n't seen on my transaction history. I also keep being told that I ca n't make transfers out of my Rushcard account, which I was unaware of when I attempted to move the money between accounts. I called Rushcard a week ago, and I spoke with XXXX, who is apparently a senior customer service representative. He gave me his employee # and told me he would work this issue personally since it had been in the works for so long. I asked to speak with him today, and I was told that they did n't know if he was at work and that there was no way to get in touch with him directly. His employee # is XXXX.
Product: Credit card

My daughter received a pre-approved letter for an American Express card. She was approved for a card. I never signed for a card nor ever was issued a card. Prior to XXXX I use to have an American Express card but filed bankruptcy which included American Express in XXXX and all my debts at that time including the American Express were covered in that debt. My daughter missed her payments and went into default and American Express in their attempts to collect a debt that does not belong to me erroneously added it to my credit report. If you look at my credit report you will see that in over 22 years I have not as much made a late payment, ever. Always paid on time and never have been late. I have called numerous times to have this resolved and they have done nothing but give me the runaround. They are even reporting that this account was opened in XXXX which the credit bureaus are aware of now and we are in the process of collecting all data if further action is needed as we have protections under the FDCPA which they have continuously violated. I have sent XXXX letters registered mail to American Express to no avail asking that this information not only is validated with my signature which they can not do because I never signed for anything and this account does not belong to me. My daughter even contacted them to no avail stating that this is her account and does not belong to me to no avail. Which means they continued on XXXX separate occasions to continue to violate the FDCPA which in turn means that they leave me open to Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and so much more. 
I simply want this inaccurate information removed from all XXXX of my credit reports as they not only have refused to provide me with a correct validation of signature. Looking on a computer screen and seeing a summary of a debt owed does not constitute a legal debt especially in light that this is not my debt and no signature can be provided legally binding me to this erronious account that they continue reporting in error. One look at my credit bureau reports and you will see that I am correct and that this had damaged my credit in a severe way as I have not even had a single derogatory remark, negative item and have had a perfect pay history on time always in over two decades +. American Express has been negligent in following the laws that are in place to protect all of us consumers especially when you fall victim to a credit company such as theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letter to LexisNexis requesting that an account be verified that was reporting to XXXX XXXX XXXX, and XXXX. On XX/XX/XXXX LexisNexis sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called LexisNexis and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because LexisNexis found it to be unverifiable. I have never received any response from LexisNexis, XXXX XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Product: Credit reporting, credit repair services, 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 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 an 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 1681 s-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. 


XXXX XXXX XXXX- Account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with EQUIFAX over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : XXXX. ) XXXX XXXX XXXX : XXXX. ) XXXX XXXX XXXX, XXXX, PA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX
Product: Checking or savings account

As a Veteran and new mother I use apps that allow me to borrow money when needed for main necessities for my newborn daughter. PNC has changed their policies blocking and preventing me to use apps such as XXXX and XXXX that allow me to borrow money in emergency needs. This is not how banks should operate. PNC NEVER offered me any loans or credit in order to suffice to my emergent needs! If banking systems continue to do this I will be forced to withdraw all of my deposits made by the Department of Veterans Affairs and purchase short term bonds from the Department of Treasury so that my needs of having extra income. Because I am a XXXX Veteran I find that the banking institutions should and will no longer be able to use my money in advance to loan it to other customers!! If this continues I will request the VA to send my money to a separate account such as XXXX XXXX or XXXX because these corporations know how to treat me!!