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

I was scammed on XX/XX/XXXX by someone claiming to be from wellsfargo bank who I bank with the scammer stated that someone was in my account stealing my money and it needed to be transferred so I did trusting the bank but it wasnt the bank it was a scammer Ive have made several claims with the bank trying to get my money returned the bank is still refusing even when I reported the fraud promptly within XXXX minutes of the scam accruing I also made a police report the same day the bank is still refusing to refund my money that was everything that I had in the bank and it was stolen Ive made several attempts to get this resolved with the bank each time with them denying the claim its been going on XXXX months now the bank is still refusing even the investigator for the bank hanging up the phone on me and being rude they bank looked into the fraud for XXXX days before closing the first time Im trying to get my money refunded Ive sent everything I have to the bank Including police reports and anything to do with the case and they are still refusing to reimburse my money I also dont know why the bank isnt trying to work with the other bank to get my money back and resolved
Product: Credit card or prepaid card

The website I use to pay my Ulta XXXX  card has been under repairs for nearly a week now and I cant access my card to pay it off and to get ahold of customer service is near impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not taking the proper time to investigate disputes. For example i submitted a dispute on XX/XX/2022 and results came back the same day
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXXXXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$16000.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00}
Product: Mortgage

I have a mortgage with Bank Of America here by known as BoA, on a House that was sold on XX/XX/XXXX. The payoff was sent from the Attorney 's office, XXXX XXXX out of XXXX XXXX LA. I have the payoff letter from BoA and the Cleared check from the BoA. BoA has failed to record the payoff and has continued to collect on this mortgage. I have contact BoA, faxed them the paperwork from the Attorney 's office and they still continue to debit my checking account. They have also contacted my money manager with Merrill Lynch Investments threatening to confiscate assets if I do not continue to pay on this loan. They have refused to help me resolve this issue so I have had to close my Checking account to prevent further theft. I have bounce checks because this issue was supposed to be resolved then an unexpected {$2300.00} is withdrawn from the account. I have incurred several hundreds of dollars in NSF penalties due to this bank mistake. I do not know what else can be done to prove the account is closed and been paid off since XX/XX/XXXX. Since the property sale closing, the bank has continued to pull money from my account totaling {$4700.00}. Furthermore, I have incurred {$840.00} in NSF charges and penalties due to their inability mark the loan as closed and payed in full. Furthermore, I have lost the trust and goodwill from those companies with whom I use for various services. The mental anguish and embarrassment of bouncing checks to multiple people along with the loss in goodwill will have permanent impacts on my business relationships.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this correspondence due to the fact that the three reporting agencies have been reporting accounts on my credit report with out having written consent. Per 15 usc 1681 ( b ). This is also identity theft bc written consent was never given and also violates due process under the 14 th amendment
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few collections on my credit report I do not recognize
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Experian for failing to properiy 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, Experians 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: Money transfer, virtual currency, or money service

On Sunday morning XX/XX/XXXX, i did a {$75.00} cash app transaction ; however I noticed cash app took the directly from my bank ( XXXX XXXX XXXX XXXX XXXX ). On Monday morning I XXXX  cash app support and called XXXX XXXX for support and spoke with a man named XXXX XXXX he then asked me to login to XXXX and if I knew someone who uses cash app to make 3 transactions ( {$780.00}, {$780.00}, {$790.00} ) and the money would be returned to my account asap! he said he needed to check cash app transmission to ensure it was working properly. After completing the transaction I said ok return my money ; he started stammering for words, he needed to check the cash app system and call me right back, he hung up, I immediately called my bank to make a fraudulent report. My bank to me to call XXXX XXXX and report it to cash app, I did and they said the money trail ended at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX. I told cash app to investigate with that bank and return my money. After days of back and forth with cash app they always told me the same thing ; your dispute has been closed and they would hang up the phone with no reason as to why it was closed, when fraudulent activity was certainly evident!!!!!
Product: Credit card

I HAVE PAID OFF MY SECURED CREDIT CARD ACCOUNT IN FULL WITH FIRST PROGRESS ON XX/XX/year> ( PLEASE SEE ATTACHED ). 

TODAY, I CALLED AND SPOKE WITH XXXX XXXX # XXXX AND REQUESTED THAT THE ACCOUNT BE CLOSED AND THAT I BE REFUNDED THE SECURITY DEPOSIT OF {$1000.00}. 

I WAS ADVISED BY XXXX THAT IT WILL TAKE UP TO XXXX WEEKS BEFORE A REFUND COULD BE ISSUED TO ME. I REPLIED, WHY WOULD IT TAKE THAT LONG FOR ME TO RECEIVE A REFUND AND WAS ADVISED ONLY BECAUSE IT WAS THEIR COMPANY POLICY. 

THEN HE PROCEEDED TO TELL THAT IT WAS IN THE AGREEMENT THAT I SIGNED, HOWEVER WHEN I ASKED THAT HE PROVIDE ME WITH A COPY OF THE AGREEMENT, HE TOLD ME THAT HE COULD NOT PROVIDE ME WITH IT. 

THIS IS COMPLETELY UNACCEPTABLE! I DEMAND THAT FIRST PROGRESS PROVIDE ME WITH AN IMMEDIATE REFUND OF MY SECURITY DEPOSIT AND/OR DOCUMENTATION SHOWING WHERE I SIGNED TO AND AGREED TO WAIT XXXX WEEKS FOR A REFUND OF MY {$1000.00} SECURITY DEPOSIT. 

ADDITIONALLY, I DONT FEEL IT IS LEGAL PRACTICE FOR FIRST PROGRESS TO KEEP MY SECURITY DEPOSIT FOR THIS EXTENDED PERIOD OF TIME WHEN MY ACCOUNT BALANCE HAS ALREADY BEEN PAID IN FULL WITH A ZERO BALANCE AND FEEL THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. 

I AM SEEKING IMMEDIATE RESOLUTION AND REFUND OF MY SECURITY DEPOSIT FOR {$1000.00}.
Product: Checking or savings account

Wells Fargo is sc amming clients with available balance discrepancies ( holding money ). Then charging " overdraft protection transfer '' fees.     On  XXXX  I noticed I had a low balance on my checking account that would not be sufficient to cover my pending transactions. I moved everything that was visible to me on  XXXX  in my savings account back into my checking accoun t ( {$4.00} ). Thi s brought my balance up to cover all pending transactions.     That night , Wells Fargo  moved money back out of my checking account and posted it to my savings for " Save as You Go '' transfers for over the weekend transactions. This money was held and was not visible for me to transfer with the {$4.00} on the  XXXX . I was n't aware these save as you go transfers were even pending.     Because they moved  ( posted )  this money late night of the  XXXX  after, this caused my checking account to drop below the amount needed to cover the pending transactions.   Wells Fargo then charged me a fee of {$12.00} to move the money from my savings back into my checking to cover the pending transactions.
So Wells Fargo held transactions from my Savings,    moved the money on the night of the  XXXX  when I already had a low balance in my checking, which caused the balance to fall below what was needed to cover the pending transactions. They then charged a fee to move the money back to my checking that they JUST moved the same night to my savings. If  Wells Fargo wo uld have left the money in my Checking account instead of transferring it to my savings, the balance would have been sufficient to cover the pending transactions and I would not have been   charged an overdraft protection transfer fee.
Wells Fargo s  hould have some sort of " checks and balance '' in their programming that prevents their systems from moving money to savings accounts when the balance in the checking is just sufficient to cover pending transactions.
Product: Vehicle loan or lease

XXXX XXXX 2010 eventually paying off Santander Lease Agreement with the hopes to transfer title to a new dealership and vehicle. 
Implications of a co-signer ; not needed. 
Smaller payments should be offered to me. 
Payments made on this account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report recently and I saw some accounts that are being reported on my credit file but are false. These accounts are derogatory and do not belong to me. I also have no knowledge of who would have access to my credit file. Due to these accounts, I now have no chance of acquiring new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed from my credit report.
Product: Payday loan, title loan, or personal loan

SENT IN A PAYMENT ON MY AMERICAN EXPRESS INSTALLMENT # XXXX LOAN AND AMERICAN EXPRESS POSTED MY PAYMENT XX/XX/2019 WHAT WAS DESIGNATED AS THE XX/XX/XXXX PAYMENT .AMERICAN EXPRESS DID NOT ADVANCE DUE DATE TO XX/XX/XXXX.THEY TOOK MY PAYMENT AND DID NOT ADVANCE THE DUE DATE ALSO I HAVE REQUESTED IN THE PAST FOR AMERICAN EXPRESS TO PROVIDE MONTHLY STATEMENTS BY MAIL AND THEY HAVE NOT COMPLIED
Product: Credit card or prepaid card

Can you please ask Citi Bank to close my account for XXXX XXXX XXXX XXXX thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is my sworn statement that the following account is not mine and was never originated nor authorized by me. I need this account deleted immediately due to identity theft pursuant to 15 USC 1681c-2. Also please delete fraudulent inquiries listed. 

XXXX XXXX XXXX XXXX Please see attached identity theft report.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving these consumer reporting agencies the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION.These fraudulent accounts consists of a Auto loan account opoened : XX/XX/XXXX, under account number:XXXX, Action Collection account Opened XX/XX/XXXX Account Number XXXX, Late Payment From Account XXXX Date XX/XX/XXXX. I Have 1 name : XXXX XXXX I Demand all other names be removed from my consumer report, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorect information on my credit report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get any help from them. PayPal customer support wont even try to figure out the reason why they closed my account. I've been with paypal since 2008 with no problems at all until now. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Checking or savings account

Checking account opened without making inquiry to credit report to verify identity of opener
Product: Credit reporting, credit repair services, or other personal consumer reports

I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today XXXX demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested all XXXX of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, Experian reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to XXXX Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru Experian it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress states : 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.

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc :  XXXX XXXX XXXX XXXX P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.
Product: Credit reporting or other personal consumer reports

Barclay 's Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by barclays bank that it was removed but it still on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX  and they said it's not showing anything on there end
Product: Credit reporting or other personal consumer reports

Equifax has no regard for FC. R. A law, this is why I'm reporting this 2. The CFP BA consumer lawyer, as well as the F. Tc, because I followed every guideline, stated in the law.

In equifax has refused follow procedures, which is required according to the law. If any consumer notifies a credit agency of being a victim of identity theft and that consumer supplies a f t c or police report, along with a detailed letter listing, the fraudulent accounts accompanied with an affidavit that is notarized as well as all documents that account or those accounts shall be deleted within 4 business days.
Product: Credit reporting or other personal consumer reports

It seems I am always I am always reaching out on TransUnion, XXXX, and XXXX to update my credit report and display correct information and my credit score. I have paid off all my credit card accounts and use them at various times to keep active. I have paid off my car loan to XXXX and opened a new car loan through XXXX. 
Score sense and XXXX XXXX are constantly emailing daily to tell me my credit score can be better, however I pay everything off at the end of the month and that is not reflected in my credit score! 
This is not right that I am constantly reaching out to you to fix this. These credit bureau agencies should be held accountable. 
What can be done??
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened an account in XX/XX/XXXX. The account status on my Equifax credit report is reporting as A repossession in XX/XX/XXXX. In both XX/XX/XXXX and XXXX XXXX, XXXX I have made multiple written requests for a copy of the finance contract and payment history that proves this to be a repossession and XXXX XXXX XXXX has failed to provide such evidence for more than XXXX days now. I demand to know what evidence Equifax has that allows them to lawfully report this account as a repossession. If Equifax or XXXX XXXX XXXX can not provide the evidence, then they must delete the record of the reposession.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased several pieces of furniture from XXXX 's and the balance was applied to an account opened with Synchrony Bank. What was not disclosed with that a portion of the balance was placed under a shorter promotional period of 6 months rather than 36 months. This portion of the balance accrued back dated interest through XX/XX/XXXX when I realized this deception and the interest was not reverse or credited back to me because I didn't notice it in time. When it first started being added to my account in interest charges starting XX/XX/XXXX. I then tried to pay off the full balance subject to interest on XX/XX/XXXX and I found in my next statement on XX/XX/XXXX that only half of the payment was applied to the balance and was still being charged interest. 

There are several concerning things happening in that the payments are not and have not been applied first to the balance subject to highest interest, per the Credit CARD Act of XXXX. And my requests to pay off the balance subject to interest directly have been ignored and still continued to not apply to the balance subject to interest.