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

On XX/XX/21 i filed a claim with Wells Fargo Claims Assistance Center after noticing unauthorized charges on my checking account to the total of {$1400.00}. 
These were similiar to unauthorized charges recently disputed and credited back in a previous claim to the sum of {$2000.00} on XXXX/21.Same type of charges used in same manner and within the same time frame. Obvious charges were related. Hotel room charges in consecutive days in same area blocks apart from one another. 
On XX/XX//21 after claim has been filed i receive 3 letters in regards to claim. All stated " we have completed our research of your inquiry. '' First one states transactions totalling {$1400.00} unfounded. Second states processing error did not occurr for charges of {$1300.00}. Third one is to inform me that a merchant has returned a security deposit of {$100.00} and for that i was told to " Please consider your claim closed. '' Makes no sense. Called claims department, and was told of this being a final decision and basically hung up on. Called back speak with adjuster and was told not possible and that the matter was closed. 
XX/XX//21 waited a few days and called in again. Explained situation and representative who in looking over claim noticed the similiarities to previous claim for same transactions already returned as a courtesy was to reopen this denied claim and credited my account the {$1300.00}. He noted the previous adjuster had mistaken the returned security deposit as action taken by merhant to return funds instead of realizing that happens automatically and considered claim closed. 
XX/XX/21 letter sent informing me that based on information available " charges were made by you or someone who had your permission '' resulting in reversal of funds credited. This is not what happened at all and i should not be forced to accept this. No evidence or reasoning given as to their inquiry as there is nothing. And in light of previous unauthorized charges already returned after investigation found in my favor. further phone calls have had not resolved this for me and has me here trying to make this right.

Cant accept one charge as unauthorized and another of exact type denied. Wheres the logic in that... 
Not right and not what anyone should have to be forced to accept!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to Experian asking to VALIDATE the accuracy of an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent no validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Experian has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Product: Checking or savings account

I received a check from XXXX XXXX XXXX due to damage to my vehicle, totaling {$6600.00}. On XX/XX/year>, I electronically deposited this check into my Chase checking account. Initially, a hold was placed on the check, with Chase indicating the funds would be available within a few days. However, shortly afterward, I attempted to make a deposit at an ATM, only to discover that my bank account had been closed without any prior notification. 

Upon contacting Chase Bank, I was informed that my account was closed due to suspected fraudulent activity. Further investigation into the closed account revealed that the check had been funded into my account, but then Chase withdrew the funds and closed my account. Essentially, they cashed the check but are now withholding the funds and refusing to release them to me. 

I have called Chase numerous times, speaking with different representatives, but I keep encountering the same issue. According to Chase, they are unable to verify the names on the check. The complication seems to stem from the fact that my insurance policy is under my fiancs name, and the check was written out in his name. Despite providing Chase with the names on the check, along with the insurance adjuster 's contact information from XXXX XXXX, they claim they can not verify the check. 

During my most recent call with Chase XXXX XXXX department, the representative told me in all honesty, I will probably never get that money ; it's most likely going to go to the state. This was deeply concerning and shocking to hear. I can not understand how they can release the funds, then take them back, close my account without notice, refuse any form of verification, and essentially just take the money. 

Chase has informed me that they are legally allowed to hold the funds for up to two years, after which the funds would be transferred to the states unclaimed property department in my county, where I would need to take the matter up with them. I have even offered to bring my fianc in person to the bank, with multiple forms of government-issued ID to prove his identity, but Chase has refused this, insisting that the verification must be done through their system. 

I am frustrated by this situation, particularly since my fianc is ready and willing to provide clear evidence of identity. I am hoping you can advise me on what options I have to recover these funds, as Chase appears unwilling to release the funds despite the legitimacy of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.
Product: Credit reporting

In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Equifax credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.
Product: Bank account or service

I had Wells Fargo for many years and had to switch about two years ago as my questions about service charges, transfer charges, all sort of charges and get never get a resolution. I was even charged {$90.00} for a check to was returned ( was not to have happened as husband WAS added to account ) My late husband left me a large amount of money and when I went to bank for help with accounts etc., I was told to open XXXX different accounts with {$30000.00} in each account and if needed money, I could transfer between accounts. Why not put it all in XXXX account or XXXX at most. The girls last name was XXXX here in XXXX, WY. My many attempts to get help from the local branches was stonewalled by all local people. XXXX woman at the XXXX branch tried to help and must have been told to back off as she told me that even if her supervisor looked at my account and there was nothing they could do, really!!!!! I looked at all of my accounts numerous times and never could figure out all the crazy charges and the bank was obviously not going to help so I left, mad I might add and in talking to many people about this they had they same thing.
Product: Checking or savings account

I am reporting Bank Fraud. 
I noticed the first fraudulent unauthorized bank account at XXXX XXXX account ending # XXXX. I was told by a branch manager at XXXX XXXX to close the account on line which I did around XX/XX/XXXX. 
Then again, another new account was opened at XXXX XXXX in early XXXX. Account Ending XXXX physically met with local branch banker XXXX XXXX XXXX XXXX XX/XX/XXXX, at this point a fraud investigation was initiated by XXXX with a case # XXXX. 
Neither of these two accounts were opened by me or my wife. A new debit card associated with account # XXXX account was also mailed to my home address. 
I was out of town for a few months, when I returned home on XX/XX/XXXX to our XXXX resident I saw THREE different statements from TD BANK with Account # XXXX, XXXX and XXXX, which we have no association with. 
I physically met with the local branch manager XXXX XXXX at TD twice since then and closed all three unauthorized accounts that were opened with my SS number and our XXXX  address using a XXXX voice phone # XXXX and an email XXXX. 
I was able to report this fraud to all credit bureaus, and opened a personal account with XXXX. 
I need you to look into this matter as it is very concerning that the Banks are taking a very light attitude with this serious matter. It is against the law for a Bank to open an account without personal ID. 
Please respond ASAP to this urgent matter.
Product: Checking or savings account

BANK OF AMERICA has stolen {$3000.00} of my money and will not give it back for more than a week. 
On XX/XX/XXXX I deposited a {$3000.00} check drawn on my checking/debit card account at the XXXX XXXX in XXXX. I deposited this {$3000.00} check into the Bank of America ATM in XXXX XXXX and the check was printed on my receipt with a 10-day HOLD. On XX/XX/XXXX I called my XXXX XXXX  to stop payment ( because I would have the bank issue me a cashiers ' check to deposit instead ). The XXXX XXXX informed me that the {$3000.00} HAD BEEN WITHDRAWN. 
I went into a BoA bank and was referred to a " risk assessment '' department and I called several different BoA phone numbers including the one on the card ( XXXX ). I got the same story from everyone : Bank of America will NOT GIVE ME MY MONEY UNTIL XX/XX/XXXX even though they got it two days ago! 
FCPB has just told me on the phone that BoA has 15 days to respond to this complaint. What a disappointment!
Product: Credit card

1-Recieved TODAY email i missed a payment with no explanation - new payment due XX/XX/XXXX, for {$98.00}. 2- CALLED XXXX SAID I MISSED XX/XX/XXXX PAYMENT. Not true... paid! Asked for manager. MANAGER stated i did not osy XX/XX/XXXX and " i was 32 dsys late '' even though today is XXXX XXXX XXXX " YOU CAN NOT USE CALENDAR DAYS to compute! '' " It is calculated by computer '' I ssked when is my due date? " no exact way to tell '' i filed a dispute. SHE SAID " I DO NOT HAVE TO PAY XXXX XXXX' I asked for paper statements since I never recieved their automated notice. THIS IS A NEW acct. WE PAID XXXX OK BUT WERE NOT NOTIFIED FOR XXXX! I am making a {$98.00} payment which should make balance up to date!
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for A+ Financial Services to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

A+ XXXX- XXXX A+ XXXX - XXXX Last 4 digit SSN - XXXX
Product: Debt collection

XXXX XXXX is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX XXXX XXXX XXXX  - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX  ( Original Creditor : XXXX XXXX BANK ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code.
Product: Mortgage

Re : NEW COMPLAINT IN ADDITION TO COMPLAINT # : XXXX FILED ONXX/XX/2015 Lender : NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX, TX XXXXThis is to inform CFPB that since XXXX XXXX, 2015 when I filed complaint ( number XXXX ), listing several concerns, Nationstar has continued to make unwarranted phones instead to responding to calls initiated by our attorneys, with whom it needs to work out a resolution of our loan modification. 

On XXXX XXXX, 2015, CFPB emailed us the following notice from Nationstar : '' Response : Please allow us additional time to further our review, currently we are waiting on an update from our Loss Mitigation Department. Once this completed we will update you with our resolution letter. Thank you. " Since the above dated response, Nationstar has " robo '' called our home on twelve times on the following dates ; their messages were retrieved from our home telephone : Sat., XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015 - day we received your notice they needed additional review time. 

ACTION REQUESTED : They need to stop these blatantly unjustified calls at your direction.
Product: Money transfer, virtual currency, or money service

Trying to transfer and link my PNC Bank XXXX card to the XXXX XXXX XXXXXXXX to invest and it seems my account with XXXX  will not allow me to fo so. 0 out of many of my multiple attempts have failed. I'd like this fixed please. It's my money and should have use if it as id like.
Product: Debt collection

Hunter Warfield was hired by XXXX a property management company and is trying to collect rent from I lease of an apartment I had to move out of because it flooded and there was mold left in the apartment after the repairs. I have several e-mails where the management is apologizing for the constant alarms in the middle of the night due to defective fire sprinkler systems. For two months I had to stay in hotels and on my return I found the apartment was not properly repaired. I made several attempts to have the mold removed but the repairs were not done. I was forced to move out leaving three months on the lease and they refuse to take it off my credit report now costing me more in interest rates for loans. I have photo 's of the flood as well.
Product: Money transfer, virtual currency, or money service

Trying to send money to my son in law via XXXX. Pnc refused to let me link my account.
Product: Credit reporting or other personal consumer reports

This is a global fundamental problem with Transunion and XXXX credit reporting agencies : when the credit balance goes up, within just a day or XXXX they can reduce credit score by a few points and sometimes by as much as XXXX points! This regularly happens to me, a person with immaculate credit history. 
This does not work the other way, however- when I pay off my credit card balance, it may take almost 2 months (! ) to properly adjust the score. The latter may seriously affect mortgage rates when buying or refinancing the property. 
This type of customer abuse, including elderly financial abuse, is completely unacceptable, and I would not be surprised if another high-profile class action lawsuit is filed. 
Conversely, XXXX does not do it to their customers. 
Please investigate and let me know if I need to submit additional information. 
Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

I have been working many weeks on communicating with Equifax about my consumer report not being accessible to creditors. My equifax credit report has completely disappeared. I have tried to go and apply for thing for my family and a new car and have been told that they can not access my report. When I called Equifax ( most recently for the 20th time ) they told me it would be fixed in the next 30 days. It has not been properly reported in 5 months!!!!! THEY ARE PURPOSELY telling me they didn't get my letters i sent to verify me and i've grown frustrated and tired of working with them. The continue to lie to me month after month. I can see the credit report when logging in directly on Equifax official website, however when creditors such as XXXX XXXX  try to pull my report it is unavailable. It is also not able to be pulled in websites like XXXX, free XXXX XXXX, and other credit reporting sites. This is affecting my livelihood and I need to fix it ASAP. Thank you for your time and help.
Product: Debt collection

I was on a payment plan with Comenity Bank that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. Comenity added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from XXXX XXXX debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.
Product: Credit card

When I open this account on XX/XX/2021, I was told this is a debit card with a checking account, and it does not require any credit check. I closed this account 2 months after opening it. However, this debit card is shown as credit card and is still in open status today. I contact the company customer service, they again assured me it is a debit card, not a credit card. And in their current website, they still advertise it as 'debit card ' in a misleading way. I am currently applying for XXXX  business account and get declined for the reason 'Number of recently opened accounts on credit report ' because XXXX view this 'debit card ' as a credit card. After reporting this issue to Extra, extra 's internal team admit there's a mistake for my account, but extra refused to help me fix it by removing this account from my XXXX  credit report. Although Extra keeps assuring me that this is a debit card, not a credit card, but it is actually listed as credit card in credit bureau 's report and affect my life unknowingly during past 2 years. EXTRA is intentionally misleading its customers by advertising a credit card as debit card/checking account, and it is against my will to open a credit card. For me, it really feels like a scam, and all I am requesting is remove it from my credit report so it will not affect my life in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022