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

Wells Fargo Claim Number : XXXX I have multiple transactions showing up on my bank statement as " XXXX. '' The transactions total about XXXX. -- - On XX/XX/2021, I contacted Wells Fargo and informed them that the charges were not authorized by me and that I have never had any dealings with XXXX. They informed me that they would get back to me within 2-10 business days. -- - On XX/XX/2021, I received an email from Wells Fargo informing me that the claim had been completed and a letter detailing the resolution would be mailed to my home address. -- - Immediately upon receiving the email, I contacted Wells Fargo to obtain more information regarding the resolution of my claim. I was then informed by an agent of Wells Fargo that my claim was denied ; however, she did not have any more information regarding the claim available to her and that I should wait for the letter in the mail. After repeatedly requesting to speak to someone " immediately '' regarding the issue, the agent transferred my call to the Claims Resolution Department. -- - The Claims Resolution Department representative informed me that my case was closed and that the reasoning for the denial was " previous transactions with XXXXXXXX, '' which I presume is the business behind the " XXXX  '' transactions at issue. -- - I then informed the representative that at the time of opening my claim with Wells Fargo, I informed the representative who opened my claim that I had " never transacted with XXXX  '' and I did not use any XXXX I further informed the representative that I informed the representative that opened my claim that I never transacted with XXXX  and that this information was stated on a recorded line for them to review. -- - Simply put, there are unauthorized fraudulent transactions on my account from sources that I have never personally transacted with. If there are prior transactions that are not included in my claim, the proper action for Wells Fargo to take is to include those transactions in my claim since I stated that I never transacted with these entities. -- - Instead, Wells Fargo denied and closed my claim. This is outrageous and despicable that over XXXX dollars can be taken from my account by unauthorized transactions and Wells Fargo could somehow close this claim without even speaking to me or asking any follow-up questions for over 10 calendar days before simply sending an email and denying my claim. -- - I would like my XXXX back immediately and also any other funds that were lost by " XXXX  '' transactions. -- - Please assist me in recovering my funds from Wells Fargo who is supposed to have an obligation to not hold me accountable for fraudulent transactions. -- -
Product: Mortgage

On XX/XX/2021 I paid off the mortgage to a property I own. I only received {$16.00} from escrow which seems to be off balance. I have contacted the bank numerous times asking them for a detail to be sent on how they arrived at that total. I continue to speak with reps the tell me I can go through their website but I continually have issues accessing the site. I am requesting a detail be sent or faxed with a break down as to how they arrived at the total of {$16.00}. They were able to fax my final payment info but will not fax my settlement escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update to claim # XXXX EXPERIAN HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO EXPERIAN ALONG WITH A 3949 IRS FORM.
Product: Credit reporting or other personal consumer reports

Reached out to the company to let them know it was not me and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.
Product: Debt collection

sent on XX/XX/year>XXXX  Dear Experian, I am contacting you regarding my credit report, in which you reported inaccurate information. The date opened for this account is incorrect; according to Experian, the open date for this account is XX/XX/year>. XXXX is showing an open date of XX/XX/year>XXXX  and XXXX is showing an open date of XX/XX/year>. I request that you verify this information and remove this erroneous account from my credit file as soon as possible! The item in question is XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX
Product: Debt collection

To whom it may concern, I am writing to formally dispute the debt appearing on my credit report, as reported by this company. Upon reviewing the information, I have identified several inaccuracies that not only violate fair credit reporting practices but also contravene the Fair Credit Reporting Act ( FCRA ). 

Fluctuating Debt Amount : The reported debt amount has been inconsistently changing without proper validation or justification, a clear violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 
Billing Address Inaccuracy : The billing address associated with the debt ( XXXX XXXX XXXX, XXXX, NJ XXXX ) is not accurate, infringing upon the FCRA Section 623 ( a ) ( 1 ) ( A ).

Failure to Provide Licensing Information : The failure to provide licensing information, specifically the NMLS number, is a violation of FCRA Section 605 ( c ) ( 2 ). 
Incomplete Debt Validation : The incomplete debt validation provided violates the FCRA Section 611 ( a ) ( 1 ) ( A ), requiring detailed information about the original creditor, the account number, the amount owed, the legal basis for claiming I owe the current amount, and the age of the debt.

Inaccuracies in Reporting : Various inaccuracies in reporting violate FCRA Section 607 ( a ), which mandates accurate reporting of consumer credit information. 
Furthermore, I must inform you that my legal counsel has advised me to contact you to resolve this matter amicably. However, if this issue is not resolved promptly and the inaccurate information is not deleted from my credit reports, I will have no choice but to proceed with legal action. I have accumulated ample evidence supporting my claims. 

Please do the right thing and delete this inaccurate information from my credit report with all three major credit bureausXXXX XXXXXXXX, and XXXX, as well as any other third-party creditors that may have accessed or reported this information. 

These actions are not only my rights under the FCRA, but they are also protections afforded to me to ensure the accuracy and fairness of information reported about me. Failure to comply will result in further legal action, as my rights include pursuing a civil suit under FCRA Section 616. 

From, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Purchased a product online from a person who misrepresented themselves as a business with a product for purchase. 
Payment was sent from my bank account through Zelle service offered from my financial institution. ( XXXXXXXX XXXX ). My transaction sent but said pending in my account status, I became suspicious and immediately notified the bank and was told transaction could not be cancelled or reversed. 
Regulation E should apply in this instance and protect consumers. 
Item was never sent or received however money was fraudulently obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from MyFICO account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from MyFICO and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.
Product: Credit card or prepaid card

I made a payment to Capital One to XXXX out a balance on account I was closing because of fraudulent charges caused by a Capital One data breach. 

Capital One " lost '' a check for {$170.00} and instructed me to stop payment and send another payment, which I did. 

The second payment of {$170.00} cleared my bank and created a XXXX balance. 

After that, Capital One " found '' the first check and tried to deposit it. But it was rejected by my bank ( because the payment had been made already ). 

Now, Capital One claims that because the duplicate payment is stopped I still have a balance due. But the balance due is XXXX. 

I just spent 30 minutes on the phone trying to resolve this with XXXX ( XXXX ), and she was unable to resolve the issue. 

The bottom line is that Capital One is now trying to collect funds it is not owed. 

I want to file a formal complaint against them. This bank is unprofessional and dishonest.
Product: Credit reporting or other personal consumer reports

I am an XXXX XXXXXXXX stationed at XXXX XXXX and I received a 1099C Cancellation of debt for my XXXX XXXX XXXX for the date of XX/XX/XXXX. The amount of debt discharged on the 1099C was {$14000.00}. It is still reporting on my credit reports with a balance of {$25000.00} and this balance continues to increase. We contacted SE Toyota Finance at XXXX on XX/XX/XXXX and spoke with XXXX. She stated he still owes this debt, they will no longer call to collect on the debt.However, it is still owed and they will not change the balance owed on the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you please delete the inquiries listed here from my credit report. I have not authorized any of the companies listed to view my credit information, and so their inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

This complaint is regarding Loan Care, goes by XXXX also. 
On XX/XX/2020, I had a fraud attempt on my bank account so XXXX XXXX made me close my checking account and open a new one. I had auto pay on my XXXX mortgage account to draft on the XXXX of every month and never missed a payment until now. XXXX XXXX told me they would honor any auto draft payments coming through the old account for 90 days. 
On XX/XX/XXXX, I went online to their website, since they will never answer the phone, and changed my address since I moved and updated my account number to the new checking account. 
By the time I received the late notice for XXXX, it was XX/XX/XXXX and I received it at my new address. I went online and saw that I needed to make XXXX payments, which I made and saw they accessed a late fee. 
I was furious, I tried to call them, left a message that was never returned and so I emailed them on XX/XX/XXXX for response. They responded and did remove the late fee on XX/XX/XXXX after I explained this was their error. I then asked if this was reported to the credit bureau and found out they did! 
I have been asking for a response to have the 30 day late removed from my report since XX/XX/XXXX and have sent several more emails since they don't answer the phone no matter what time it is. The last email from them was on XX/XX/XXXX stating they are checking into it. Their online system took the address change but didn't update my account info. 
I have NEVER had a late mortgage payment OR a 30 day mortgage late on my credit ever! 
I have heard nothing but bad things about this company and I have experienced that as well. They need to be investigated for unfair business practices and horrible customer service. They take your money, but will not help you. 
I am requesting your help with having the 30 day late removed from my credit file and as this has negatively impacted my score. I have worked very hard all my life to keep my credit score high and I am very upset that this company, due to their error, has caused me this trouble. 
Please help!
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/18 at XXXX, XXXX XXXX from Accelerated Servicing Group ( XXXX ), called an left a threatening voicemail. He said that my account had been escalated and placed with him for resolution among other things.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hereby declare that the accounts referenced herein were opened fraudulently and without my authorization or consent. Such unauthorized activity constitutes a clear violation of my consumer rights and a breach of trust that I do not take lightly. I demand that these alleged accounts be immediately removed from my consumer report, and that appropriate measures be taken to investigate and hold accountable those responsible for perpetrating this fraud. I have already reported this matter to the XXXX XXXX XXXX and the Texas State Attorney General, and Federal Trade Commission will pursue all available legal remedies to protect my interests and hold those responsible accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Credit Bureau TransUnion for violations of the Fair Credit Reporting Act regarding the reporting of a public record ( XXXX XXXX XXXX XXXX   XXXX ACCT # XXXX. Filing Date XX/XX/XXXX ). 

In XX/XX/XXXX, I requested verification of the above file by TransUmion. They claimed verified. 

Pursuant to Section 611 ( a ) ( B ) ( iii ), I also requested a description of the method and procedure used to verify the accuracy as well as the name of the furnisher of the inaccurate information. 

TransUnion claimed that XXXX was the furnisher of the information. THIS IS FALSE! 

Atch 1 is proof that XXXX XXXX is NOT REPORTING any  public records including bankruptcy. 

Furthermore, TransUnion is in violation of Section 611 ( a ) ( 2 ) ( A ) & ( B ) by not notifying the furnisher of the information of the disputed accuracy. Atch 1 is also proof that TransUnion is FALSELY CLAIMING that they verified the above public record through XXXX as there are NO public records reporting on XXXX. 

TransUnion is also violating Section 611 ( 5 ) ( A ) by not deleting the unverified file from my credit report. 

I am requesting that you investigate my complaint and hold TransUnion accountable. Thank you. 

XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I received letter in mail stating $ XXXX due for an account number I have proof of being in good standing. The account number referenced related to account number to loan that was consolidated and currently in good standing. I called the collection agency and Navient on XX/XX/XXXX, to correct this error but they are claiming that account number is for private loan which I do not recall ever receiving anything for. Not even a wage garnishment threat. XXXX company refered me back to Navient. When Navient told me the name of the collection company handling the file it was not the name of the collection company who sent me the letter that initiated my call " XXXX XXXX XXXX ''. The letter was received last week and Navient advised a different company is handling it as of XX/XX/XXXX, same date of my letter. When I asked if they are the same company XXXX another entity or an affiliate, the representative could not give me the information. You would think that would be in my file?! When asked why this loan was not showing on credit report as default she could not answer. When asked why is one part of my loan with Navient in good standing and the private loan with Navient is not, she stated those are handled by two different departments. When asked why wasnt important information being linked to my social security number for same company servicing both federal and allegedly " private '' loans she didn't know. I would think that is important, especially if I am making the attempt to bring my account current. When asked for website to view this information for private loans taken, she did not have one. With all these red flags, and knowing that XXXX was shut down for fraudulent activity, I am questioning the validity of this " private loan ''
Product: Credit reporting or other personal consumer reports

Bank of America closed my credit card account and is reporting a charge-off balance of {$1400.00} on my credit report. However, there are several issues with their handling of this account : 1. Failure to Provide Supporting Documentation : Bank of America has not provided any documentation to validate the charge-off balance of {$1400.00}.

They did not issue a 1099-C form, which is required if the debt was forgiven or canceled, as per IRS regulations .

I have requested account statements, a payment history, and an itemized breakdown of the charge-off balance, but they have failed to provide this information.

2. Lack of Required Notices : Bank of America did not send any prior notification regarding the charge-off or closure of my account, which has left me without the opportunity to resolve the debt or verify the accuracy of the amount reported.

3. Negative Impact on Credit Report : This charge-off is negatively impacting my credit score and ability to secure credit, including an auto loan. The lack of documentation and transparency makes it impossible for me to address or resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance of {$200.00} off for XXXX for my capital one Credit Card. I dont pay the balance of {$200.00} for XXXX until XX/XX/2023. XXXX has added that I didnt pay my credit card or my credit card balance which then made my credit score drop down XXXX points when I pay my credit card off before the due date every single month. I will attach statements as proof.
Product: Checking or savings account

My complaint is with chase bank. 

I recently called customer service to start a fraud claim. When I created the claim it took forever, Im not sure the representative understood what I was needing. I ended up calling chase bank back asking for the case to be closed. I was advised the claim process would take 3-5 business days.

The expectation set was incorrect. When I called back a manager then explained to me itll take 3-5 business days for chase to take their funds from my account and itll take up to 30 days before I received a refund.

It took me multiple times to get to a manager as my calls were disco each time I asked to speak to a manager. It all started with a phone representative names XXXX. When I got to a manager I told him about my experience and he could care less. 

I was in tears by the end of the call I was so frustrated I didnt even know if my claim was filed. I was crying and still being told I had to pay {$5.00} for them to rush a card to an alternate address. 

I was told I had to go into a chase bank to activate my card since the pin would be sent to my physical address not the alternate address I just requested. 

I live in the middle of nowhere I just moved to Michigan. I drove to the bank to activate my card. Was told by the rep it was activated, I then went to go buy breakfast and the card was mot activated. I then had to drive back to the back to again activate the card. 

I have made multiple complaints and have not been contacted. Chase has no corporate email and each time I asked to be routed to someone in charge I get the run around. I have not been contacted about any of the complaints the managers said they submit. 

I have written to chase customer support on XXXX and they were no help. 

Chase has no way to reach out to corporate. Chase is not solution oriented. Chases phone customer service is a nightmare. Chase has no integrity or regard for their customers.