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

On XX/XX/XXXX, I opened a Wells Fargo Premier Checking account to qualify for a {$2500.00} bonus. One of the requirements was to deposit at least {$250000.00} in new funds into the new account and maintain that balance across it and its linked accounts. I deposited over {$250000.00} upon opening the account and transferred the funds to its linked brokerage account. 

Despite this, Wells Fargo has denied the bonus, claiming the accounts were not linked. However, my Wells Fargo account displays automatically linked on the website. If the accounts were not linked, I question how I could have transferred the funds on XX/XX/XXXX. 

When I called on XX/XX/XXXX, the customer service representative reassured me that I would receive the bonus without any issues. 

According to Wells Fargos terms, to qualify for the {$2500.00} bonus, customers must bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after account opening. Qualifying linked accounts include consumer bank deposit account balances ( checking, savings, time accounts ( CDs ), FDIC-insured IRAs ) and investment account balances available through Wells Fargo Advisors . 

Given that I met these requirements and the accounts were indicated as linked, I believe I am entitled to the bonus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXXXXXX account ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the COVID-19 pandemic, as protections outlined under the CARES Act and 15 U.S.C. 1681s-2 requires leniency for accounts affected by national emergencies. 

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations. 
Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm. 
Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the COVID-19 pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
Immediate Action Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : -- Account Rating : Paid Account Status : Closed Payment Status : Unpaid balance reported as a loss. 
Two-Year Payment History : Charge-offs inaccurately reported for XXXX and XXXX. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank I use is JP Morgan chase bank. My debit card was stolen from me on XX/XX/2018 and its pin was also stolen. I did not know the card was stolen from me at the time and the theif racked up {$4800.00} in charges at 4 different places. At two XXXX they charged around {$3000.00} and at two separate atms around {$20000.00}. Also my bank allowed this person to call and transfer money over from savings to checking at odd hours of the day totaling the amount of {$8000.00}. This all happened in the span of 1 hr and my bank did not stop the card from use. I wasnt aware of any of this because at this time I was sleeping. I have never used my card in the locations or banks money was spent or withdrawn. These location are 45 miles away from my house. My back which is chase bank will not refund me the money. Their only reasoning on not covering my fraudulent charges is that my pin was used. They arent working with me and every time I call to try figuring it out I get put on hold and dont talk to anyone. They keep telling me they cant do anything about it. Ive shown them police reports and photos of another individual using my card from the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective means to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfairly and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

During week of XX/XX/XXXX I contacted my bank, Synchrony, about the process to do a wire transfer. They said my account was " diamond '' level and I get 3 free wire transfers a month. They also said i needed to get specific wire instructions from the receiving bank, address and phone number, etc. I contacted the individual I was going to be wiring funds for a truck I wanted to purchase. He gave me the info. I called the bank, they then told me i needed entirely different info. I got that info then on XX/XX/XXXX I contacted my bank that has my savings account to do a wire transfer for a truck i want to buy and they told me i didnt need any of the info the previous two people told me i did and that I just needed the name and address of the individual I was wiring funds. I gave them the info and had them wire XXXX to their account for the truck. 
I don't hear anything from the bank and followed up with the individual to see if the wire went through, he said it didn't. I logged into my account to see if it had any info there and I was greeted with the message that ALL my accounts were restricted. I call the bank to find out XXXX is going on. They say my accounts are " in review '' then try to say they think its fraud but there have been no attempts to access my account from outside the country or anything that can be misconstrued as fraud other than apparently me wanting to use my money. They say it could take up to 60 days!!!!! to review my account. I am beyond livid at this point. I tell them to cancel the wire and that I'm going to close ALL my accounts. They say i can't do XXXX and have to wait for their " review '' to complete. I have them escalate. I call back the next week. They give me the same XXXX excuse they are investigating, i have them " escalate '' again which is clearly a XXXX process that doesn't exist, they say it should be a few more days, called again Wed XXXX and Friday XXXX, same XXXX. They have totally XXXX me. I had autopayments setup that are now failing, I have a bunch of late fees due to this and I can't even use my credit card now as they have locked it because the payment didn't go through. They have basically stolen ~ {$80000.00} from me with no explanation and apparently no accountability. I don't know if they are about to go XXXX up like that bank in california but it looks like im going to have to find an over seas bank to work with as US banks are so poorly regulated with XXXX regard for consumers.
Product: Debt collection

I have formally requested by certified mail on XX/XX/XXXX and XX/XX/XXXX that LVNV Funding LLC C/O Resurgent Capital Services provide me with VALIDATION of the two accounts # XXXX******and XXXX****** that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any VALIDATION. Enclosed you will find letters that were sent to them by certified mail on two separate times..
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the results of a recent investigation conducted by TransUnion concerning inaccuracies in my credit report related to the XXXX XXXX XXXX XXXX XXXX XXXX ). As per 15 U.S. Code 1681e and 15 U.S. Code 1681i, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to thoroughly consider all relevant information provided by the consumer during any reinvestigation of disputed information. 

The following discrepancies and inaccuracies remain unaddressed and unresolved in my credit report : XXXX received : {$0.00} on XX/XX/XXXX. 
Last XXXX made : XX/XX/XXXX. 
Date closed : XX/XX/XXXX ( inconsistent with XXXX ). 
Date of removal : XX/XX/XXXX ( inconsistent with XXXX ). 
Payment history/rating for XX/XX/XXXX is reporting as " current ''. 
I have provided all relevant information to support my dispute, yet these discrepancies persist. In accordance with 15 U.S. Code 1681i, I am entitled to a thorough reinvestigation of these inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) and ( XXXX ), I am requesting a detailed description of the reinvestigation procedure employed by TransUnion. 

Please provide the following information promptly : The method of investigation used by TransUnion to verify the disputed information. 
A detailed description of the reinvestigation procedure, including any steps taken and the sources of information used. 
I expect to receive this information within the XXXX timeframe specified by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these statutory requirements will leave me no choice but to escalate this matter further, potentially including legal action to ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Mortgage

I currently have a HELOC with PNC Bank on my primary residence which has been in place approximately 10 years with 100 % on time payments. On XXXX XXXX 2017 I began the process of applying for a new HELOC on the same property with PNC. This is a first mortgage since there is no other lien on the property. 

Over the next 3 months I invested a considerable amount of time satisfying their requirements for income verification. I am a real estate investor which meant coming up with hours of documentation for them at my expense. 

Once my income was verified I was told we would need a full appraisal. We spend many hours and dollars getting the house in top shape for the appraisal only to be told we had to have a second appraisal. 

After the second appraisal we were informed the collateral was not satisfactory. Since that time I have made numerous requests for copies of the appraisals to discern what exactly did not meet their guidelines and if perhaps something had been misrepresented in one of the two appraisals. 

The only response I received was a mailed copy of photos from one of the appraisals. This was simply 32 photos of the home with no written materials of any sort attached. There was no description, no value attached, or any explanation of any kind as to the outcome of the appraisal. 

Since that time I have made numerous email requests to both my contact persons with PNC and neither will respond to me at this point or give me any reason why the 2 appraisals will not be released to me. 

Since this was a first mortgage on my property and I have an interest in insuring an accurate appraisal was done, I see no justification for the bank not releasing to me the appraisals so that I may fully understand the reason for my rejection. 

My wife and I have credit scores of XXXX and XXXX with no negative marks of any kind on our extensive 30 year financial history. If the reason for our loan rejection was simply the appraisal information, as was indicated to us, I think we have a right to at least receive a copy of those two documents along with an explanation of why the collateral is not sufficient, especially since it is much improved today over what it was 10 years ago when they first approved it for a first lien HELOC. 

Thank you for your help.
Product: Debt collection

There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.
Product: Mortgage

I have tried contacting People 's Bank on XXXX different occasions. They will not respond with anything of substance. I only received 2 letters saying they will investigate but then no investigation results. I have disputed with the credit bureaus many times, each time the credit bureaus report that People 's Bank has responded that the account is accurate. 

I requested documentation about the " alleged '' late payments. I requested copies of statements and payment records but they refuse to send them to me. 
The issue is that they are reporting different late payments to different credit bureaus. Because they are conflicting information there is no way for it to be accurate. If XXXX bureau has accurate information then the other bureau which has conflicting information must be inaccurate. They refuse to investigate or provide any documentation to me. My first request was made under the authority of Section XXXX of the fair credit reporting act and was sent certified mail track # XXXX which was received by them on XXXX XXXX, 2015 at XXXX XXXX. 
I am seeking your intervention here to make these people aware that they are not complying with the law. 

Please help me. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there are several inaccurate and negative account on my bureaus and also inquiries that I didnt authorize or give permission to open
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof to Experian that a debt collection agency who purchased Credit Card debt, XXXX XXXX XXXX, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, Experian, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to have a security freeze and security alerts removed. They would not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX {$5500.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN DISPUTING AN OLD CHARGED OFF ACCOUNT THAT WAS SOLD BY XXXX XXXX TO A COLLECTION AGENCY THAT SUED ME AND WE SETTLED THE DEBT IN COURT, IN EXCHANGE THE COMPANY AGREED TO REMOVE THE COLLECTION FROM MY CREDIT, BUT THE ORIGINAL CREDITOR STILL REPORTS IT, NOW ITS ALREADY 7 YEARS OLD, ALL OTHER CREDIT BUREAUS HAD ERASED FROM MY CREDIT BUT EQUIFAX REFUSES TO ERASE IT EVEN AFTER MULTIPLE DISPUTES, ACCOUNT # XXXX XXXX XXXX AND EQUIFAX KEEPS REPORTING, THIS IS MY LAST ATTEMP TO RESOLVE THIS MATTER, IF NOT REMOVED I WILL TAKE LEGAL ACTION.
Product: Debt collection

I previously moved out of an apartment and XXXX was not available at my new address so I cancelled the service. I paid my final bill and returned the equipment. I found out years later looking at my Credit report that they had billed me for not returning the equipment, even though I did, and sent it to collections. I called XXXX to remediate the issue and they said I needed to call Credit Management LP in order to have it removed from my credit report. Upon talking to Credit Management I was told the easiest way was to pay the balance as it was only {$68.00} and they would remove it from my credit report. While I had returned the equipment I agreed to pay because the {$68.00} wasn't worth the headache as I am trying to purchase a home and this is affecting my rates. The account has now been closed, nut they have not removed it from my credit report. I have outstanding credit outside of this and it is greatly effecting my credit score and rates for something that was a mistake on XXXXXXXX XXXX part that I attempted to remediate and paid for even though I should not have needed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a communication was sent out to XXXX, Transunion and XXXX  for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights.

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post
facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the
Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank.

Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.
Product: Checking or savings account

I discovered last month, XXXX XXXX, that my checking account has been withdrawn in the amount of {$110.00} every XXXX of the month since XX/XX/XXXX, by Synchrony XXXX for a loan. Each of these transactions states Synchrony Secure and type as loan. There is a trace number as well. I confirmed with Synchrony Secure ( XXXX ) on XX/XX/XXXX I do not have an account with them when they searched my SSN in their system. I have never co-signed for anyone either. The only assistance a representative of Synchrony XXXX could provide was to take my information down and forward it to their Fraud Department. It will take up to 90 days for them to investigate my reporting. 

Can my debit trace numbers be used to track what account and for who my checking account is being withdrawn the monthly {$110.00} amount? 

Thank you in advance for your assistance. 

XXXX XXXX
Product: Credit reporting

I have requested investigation several times via certified mail ( I have receipts ) regarding inaccurate intems that appear on my credit report. They have yet to provide me with ANY written documents proving how they verfied the accounts in question. I recently received a response from them stating that they would not provide me with, correct or remove items that they have not actually verified as accurate according to the law. Specifically, the company XXXX. Information the my credit report is showing that the account is in Bankruptcy ( Filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016. ) Please see attached documents. This is currently showing as a negative account on my credit report. 

There are also several XXXX XXXX accounts that I disputed as well as XXXX XXXX XXXX that have not be verfied at my request and are still appearing on my credit report.