23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

An unauthorized {$300.00} charge appeared on my Wells Fargo credit card on XXXX XXXX, 2016. The charge occurred in Florida at a restaurant XXXX XXXX while I was traveling in California. I immediately called to cancel my credit card and report the fraudulent charges. I then called the restaurant and they stated that someone purchased {$300.00} worth of gift cards under the name " XXXX XXXX '' ( not my name ). Clearly it was a fraudulent charge. Wells Fargo shipped me a new card, but the charge carried over to the new card. 

Wells Fargo first failed to identify the fraudulent charge, has been incredibly unhelpful in both their fraud and dispute departments, has not removed the charge or even attempted to contact the merchant ( to my knowledge XXXX/XXXX/16 ) but has billed me for my latest credit card statement including the unauthorized charge. When I called their fraud department they state " disputes is handling it '', yet when I call their disputes department they state " fraud is handling it. '' They said it would be resolved in XXXX10 days, but this process has continued for over four weeks now with no apparent care from Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you, Equifax, block from my credit report any information resulting from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false entries on my consumer credit report include accounts from the following creditors : Account # 1 : XXXX XXXX XXXX # XXXX with a balance of {$14000.00} Account # 2 : XXXXXX/XX/XXXX XXXX Account # XXXX with a bal. of {$6600.00} Account # 3 : XXXX - Account # XXXX with a bal. of {$14000.00} Account # 4 : XXXX XXXX XXXX - Account # XXXX with a bal. of {$11000.00} These accounts have led to multiple hard inquiries and fraudulent collection entries appearing on my FICO credit report such as : 1- XXXX XX/XX/XXXX XX/XX/year>2023 2- XXXX XX/XX/XXXX- XX/XX/year>2023 3- XXXX XX/XX/XXXX - XXXX/XXXX/2023 I do not recognize any of these accounts, collections, or inquiries, and I did not authorize, open, or initiate them in any way. They are solely the result of identity theft and fraud. 

As evidence, I have attached a copy of the FTC Identity Theft Report ( Criminal Complaint # XXXX ), which confirms that these accounts, collections, and hard inquiries are linked to identity theft, as verified by the U.S. Federal Trade Commission. In addition, I attached screenshot of many companies warning that my info have been leaked and that I am a victim of fraud as a result.

Please take immediate action to block the fraudulent information from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I printed the attached most recent data from Equifax for my XXXX XXXX XXXX ( XXXX  ) account which continues to inaccurately report my XXXX account as Closed XX/XX/XXXX. My account was Voluntarily Closed on XX/XX/XXXX and reported as Closed monthly to every CRA for at least 6 months when XXXX maliciously retaliated against me by reporting my account as OPEN during about XX/XX/XXXX to every CRA. I have been trying unsuccessfully to get XXXX  and every CRA to report the accurate data and my XXXX report to this date continues to report my account as OPEN. For Equifax, XXXX  has still failed to report my account as Closed on XX/XX/XXXX despite multiple simple direct and indirect complaints to XXXX  and every CRA. Every week, XXXX  falsely and wrongfully changes my account for every CRA by deleting closed status, dispute status entered by every CRA and replacing it with something else. Moreover, XXXX, Equifax and every CRA know my account is disputed but they have willfully failed to report my XXXX  account as disputed as required by the FCRA. I demand that my XXXX  account be reported as Disputed by consumer, regardless of any other opinion. I voluntarily CLOSED myXXXX XXXX  XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached XXXX letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account change weekly and remain inaccurately reported as Closed on XX/XX/XXXX??? The dispute process of a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? If corrected, XXXX  will certainly change it again. Delete my account permanently!!!
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for reporting incorrect and incomplete information regarding a XXXX XXXX XXXX account ( # XXXX ) on my credit report. The inaccuracies and inconsistencies associated with this account constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this account from my credit report. 

Specific Violations XXXX. Lack of Payment History : The payment history for this account is entirely blank. This is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which requires credit bureaus to provide complete and accurate information in consumer reports. 

XXXX. Inaccurate Payment Status Information : The account is listed as " Unknown, '' which is inconsistent with data reported by other credit bureaus. This violates XXXX XXXX ( b ) of the FCRA, which mandates maximum accuracy in credit reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/year> ) and the date of last payment ( XX/XX/year> ) do not match the records of other bureaus, indicating inaccurate reporting and further violating Section XXXX ( b ) of the FCRA. 

XXXX. Inadequate Comments : The report lists " XXXX XXXX XXXX '' but fails to provide prior details of the account 's status ( e.g., " Charge-off '' ). This omission constitutes incomplete information under Section XXXX ( a ) ( XXXX ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case Number : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call Detective XXXX XXXX at : XXXX. Detective XXXX is investigating the fraudulent accounts and credit inquiries.
Product: Credit reporting or other personal consumer reports

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 ... have their credit history reporting on the 3 major credit agencies. Per 15 U.S.C. 1681a ( 2 ) ( 1 ) it is illegal to report transaction history on the credit report.

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.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 ; I also have a charge-off reporting on my credit from XXXX XXXX XXXX as the original creditor who sold the debt to XXXX XXXX . Charge offs are income ( Certificate of Indebtness ) to the consumer and can not be reported on a credit report. Thank you all for resolving these matters for me.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion, XXXX, and XXXX due to their failure to address inaccuracies on my credit report, despite multiple disputes. The incorrect information continues to appear, and no corrective action has been taken.

FCRA 623 ( a ) ( b ) : The disputed account was not properly marked as " disputed '' on my credit report.

FCRA 605 ( c ) : The date of last activity is incorrect and should reflect the actual date of payment.

FDCPA 809 ( b ) : The collection account has not been validated, even after I requested verification.

I request that the CFPB investigate these issues and take appropriate action to ensure the credit bureaus comply with the law by correcting the inaccuracies, marking the account as disputed, and providing proper validation of the debt.
Product: Money transfer, virtual currency, or money service

TOnight at XXXX is the deadline for my company to submit much needed funds from the PA XXXX Certification for Covid XXXX relief. I need to link my bank account for transfer and the system said 'this service may not be available. ' Seriously? I stand to lose XXXX $ grant over a glitch in your system.
Product: Checking or savings account

On Monday XXXX, I, XXXX XXXX XXXX, went to TD Bank on XXXX XXXX XXXX XXXX XXXX Florida XXXX where I have a checking account. I have had that checking account about 10 years. My son XXXX XXXX was with me and we had just picked up a check for {$16000.00} dollars. This check was from the largest law firm in XXXX Florida, XXXX and XXXX. My son and I wanted to open a savings account. We spoke to XXXX XXXX, Finical Services Representative. My first question to Ms. XXXX was .... will there be a hold on this check? MsXXXX XXXX answered that it would only be 24 hours and all funds will be available on Wednesday XXXX. I asked Ms. XXXX if she was sure and explained that i could go a half mile down the street to XXXX XXXX and cash the check, return and open a savings account where I have had a checking account for around 10 years. Ms. XXXX XXXX said she was 1000 percent sure. 

So based on that ... My son and I opened a Savings Account. 

On Wednesday XXXX I checked my online account and there was a hold until Tuesday XXXX. I spoke with the TD Bank XXXX Customer Service on the phone. I was escalated to a supervisor who instructed me to contact my local TD Bank Branch which I had deposited the check at, as they are the ones who placed the hold on my check. The supervisor told me the local branch manager is at discretion to release the hold. They instructed me to call the Branch. I did and spoke with XXXX the assistant Branch Manager and she said that MsXXXX XXXX XXXX was wrong and that she thinks she said that Under Pressure to open accounts and will look into that wrong and that is ... NOT ... TD policy to open up accounts under fraudulent actions. Meanwhile they will not release the funds, although the District Manager named XXXX XXXX who I spoke two on two different phone calls, said he would straighten this out and get the funds available on Thursday XXXX. This has Not happened and I have called him two times today to ask about my money and he has NOT returned any calls. I called the Manager who is in rehab or on vacation and he has Not returned my calls. Furthermore today, I called the branch and the Assistant Branch Manager is NOT in today. It is becoming VERY obvious that TD Bank is using Fraudulent methods to get customers to open accounts. I explained to the District Manager, Mr. XXXX XXXX, the whole situation and he agreed that TD Bank was NOT living up to Honest, Transparent, and Customer expected service. As a senior on a fixed income with XXXX sons to support, TD Bank deceptive practice has hurt me and I ask for a FULL Civil Investigation of this matter. I ask that a CRIMINAL referral to the DOJ happen as well. 

How many OTHERS have been HURT by the deceptive practices of TD Bank?
Product: Debt collection

On Friday, XX/XX/, I contacted Asset Recovery Solutions , LLC via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, Asset Recovery had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to Asset Recovery. After speaking with Asset Recovery, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least 5 different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/, was the very first day that I have ever received any communication from Asset Recovery Solutions, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/, I reached back out to Asset Recovery via chat and was conveniently told they had my file AND they received my email. 

I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX  gave me to give Asset ) ; yet, he made no attempt to even investigate during our first communications. After speaking with Asset Recovery today, I re-contacted XXXX  and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. 

All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. 

I am attaching documentation of my conversations and falsely reported payment history.
Product: Checking or savings account

My complaint and gripe is regarding on-line giant, Ally Financial, previously known as XXXX ( an  acronym for XXXX XXXX XXXX XXXX ). It's a US-based bank holding company organized in Delaware and headquartered in XXXX, Michigan. I was a sucker! I went to on-line banking for a few pennies more interest and it cost me {$2500.00}. Oh ... Ally didn't do anything illegal, they just removed the human side of banking and turned it and me into basically an ATM machine! Hopefully others won't fall into the same trap. 

THE STORY : 8 years ago I took the proceeds from the sale of my home ( {$250000.00} ) and purchased a Certificate of Deposit ( CD ) with 'new ' on-line Ally Bank. Their percentage rate was slightly higher. So instead of dealing with a local 'bricks and mortar ' bank that had a real human being sitting at the officers desk, I sold my soul to the XXXX and sent my quarter of a XXXX dollars off into cyber space ... AKA ... Ally Bank! For 8 years, I never made a withdrawal. For 8 years, I redeposited the interest back into the CD letting Ally keep every single penny. Fast forward 8 years and a family emergency popped up and I needed to withdraw the money out of the CD to cure the emergency. I contacted Ally and they informed me of the " penalty clause '' that said it would cost me {$2500.00} to collect my own money that had been entrusted to Ally for the past 8 years. Oh.. I know it's legal for them to penalize me as they have ... I'm not arguing that point. My {$2500.00} is gone, probably into some bankers weekend slush fund. My gripe is, I had no one to go to to explain the human and personal side of my situation. There was no bricks and motor ... there was no human being on the other side of the desk at a local branch to plead my case to. All I got was an 800 number and a recording that basically said ... " We're so sorry ... XXXX XXXX ''! 
The purpose of the penalty in these cases is prevent one from using the CD as a checking or savings account. For 8 years, I entrusted my money with Ally to invest and reinvest and do with as they pleased. I never made a withdrawal and always reinvested to interest with them. But when I had a personal problem, as humans often do, I got to see the hard cold reality of on-line banking. Turn on, tune in, drop dead! 
MY ADVICE : Don't do what I did. I was narrow mind and stupid. I never envisioned a family emergency arising down the road, only to have digital corporate America reach in my pocket and remove {$2500.00} of my hard earned money without a blink of the eye. There are banks on every corner in America with real human beings working in there, just like you and me, and will have some compassion and understanding when the need arises. You can bank of the fact ... that will never happen at Ally Bank!
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX Inquiry Date : XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX . 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Vehicle loan or lease

I had scheduled a payment and the bank did not draft the money from my account. They charged me XXXX plus late fees.. I called to complain and they asked me to produce a bank statement that could prove there were funds in the account. I did. 

The bank insist that there were no fund therefore the nsf and late fees. I requested my bank to produce the statement which reflects there were sufficient funds but they wont credit me back the extra {$40.00} they made me pay. 

Im still waiting for them to adjust or credit my account. And they dont want to. Now Im being forced to pay to prevent any problems with my account. 

I have made more than XXXX calls trying to resolve this with them and they keep ignoring my claim
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report fraud by Experian, XXXX, XXXX. I'm tired of being violated by these consumer reporting agencies. I'm protected by consumer laws. I see things on my consumer report that shouldn't be displayed because I never gave them consent to show my private information. I am the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on my credit report. Over 30 days have passed, and I haven't received a response yet.
Product: Credit reporting or other personal consumer reports

I am writing to formally report incorrect information on my credit bureau, specifically regarding my XXXX loan accounts. Despite multiple disputes and attempts to resolve this issue, the inaccurate information remains reflected on my credit report. 

In XX/XX/year>, I received a report indicating a total of {$210000.00} in XXXX loans. I knew this information was incorrect, as my loans had been consolidated. After noticing the discrepancy, I immediately called the loan servicing company, and customer service assured me that they would address the issue. This was my third call regarding this matter, highlighting the ongoing nature of this problem. 

I subsequently submitted disputes with TransUnion, XXXX, and XXXX, providing documentation confirming my loan consolidation. Despite my efforts, I recently applied for additional XXXXt loans to further my XXXX career and discovered that TransUnion is still reporting these accounts as having outstanding balances. 

This situation not only misrepresents my financial standing but also jeopardizes my ability to secure educational funding necessary for my career advancement. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that my credit report accurately reflects my XXXX loan status. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.