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

I had a bank account with Wells Fargo since 2017, basically my account was overdraft and I was inform by a banker that I can have up to 90 days late before they will take action on my account, I always have moments where the account gets overdraft for long periods of time due to my self employed income, only 60 days went by and they closed my account WITHOUT any warning. after speaking to the enterprise people and going through the complaint process they were able to determine that Wells Fargo was at fault, for doing things in a deceptive and misleading manner, I was promise a balance forgiveness due to the negligent action taken on my account, the balance was never forgiven, nothing has happen. all they do is start the complain and then don't do anything about it, something needs to be done. I have done over 5 complaints already.
Product: Checking or savings account

I was the victim of a theft of checks from my home- office/bedroom. These checks were endorsed by me and deposited to my checking account using my mobile phone. I was not aware of this theft until I began receiving notices from my bank that the Federal Reserve had sent them an order to reverse the deposit of the checks and remove the funds from my account.

XX/XX/XXXX I deposited a check for {$170.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$140.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$200.00} On XX/XX/XXXX this deposit was reversed.XX/XX/XXXX I deposited a check for {$75.00} OnXX/XX/XXXX this deposit was reversed. XX/XX/XXXXXX/XX/XXXX I deposited a check for {$180.00} On XX/XX/XXXX this deposit was reversed. XX/XX/XXXX I deposited a check for {$120.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXXI deposited a check for {$85.00} OnXX/XX/XXXX this deposit was reversed.

{$980.00} total was taken from my account.
Product: Bank account or service

I am writing about Chase bank 's refusal to return {$1500.00} that was deposited by me into an Overdraft Protection Account in XXXX of XXXX. They are now closing all overdraft accounts and state that they do n't have records from XXXX, and that if I ca n't prove that I deposited the money, they do n't have to pay it to me. In XXXX, the only way to have an overdraft protection account was to deposit money into the account. The original transaction was with XXXX bank which was bought by Washington Mutual in XXXX, and WaMu was bought by Chase in XXXX. 
Around XXXX, I asked Chase bank teller ( XXXX ) to close my overdraft account so that I could have the {$1500.00} available to use. She told me that I should not do so, " because you cant get accounts like this anymore ''. 
In XXXX XXXX, I went in to speak with Chase branch manager ( XXXX ) about closing the account and getting the funds transferred back to my checking account. The younger staff were not familiar with this old version of the overdraft account as the newer versions were unsecured lines of credit. Teller XXXX was able to verify that, indeed, the older account that I have was established by depositing funds into the account. After making some calls, XXXX stated that Chase does not keep records past 7 years. After making a complaint to Chase bank, I received a call from XXXX, Chase home office investigator, on XXXX XXXX, XXXX at XXXX. He stated that on XXXX/XXXX/XXXX my account was converted and a {$1500.00} hold was removed from my account. I told him that that did not make any sense as there was never a hold or conversion notification. He stated that he did not believe that I put {$1500.00} into the overdraft account and that since I can not prove that I did, I have no further appeal rights through Chase bank.
Product: Checking or savings account

I have a monthly recurring transfer set up. I received an email notification on XX/XX/22 at XXXX XXXX XXXX XXXXndicating my scheduled transfer would take place in three business days and that the funds would be withdrawn on XX/XX/22 and deposited on XX/XX/22. On XX/XX/22 I received an email notification my transfer had been submitted ( in two business days not three ). I logged into my account on XX/XX/22 and attempted to cancel the transaction, but a different transfer was cancelled by mistake. When I contacted the bank to have them stop the transfer I was told it goes into pending status the business day prior to funds being withdrawn and there was nothing they could do to cancel or modify the transfer. I also requested they reverse the transfer once it was processed and I was told again, nothing could be done. I intended to review and modify the transfer over the weekend and submit any changes ahead of the XX/XX/22 transaction start, but because it was submitted early I was not afforded the opportunity and now I have to correct it with additional transfers and effort on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute to Equifax, XXXX, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXXXXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.
Product: Debt collection

I purchased airlines tickets to travel around XX/XX/2022 from XXXX. I used the method of payment Affirm. it was a total of around {$440.00} Booking # XXXX Affirm pay XXXX however I had a family emergency and I was not able to travel so I cancelled my booking and requested a refund to Affirm. I communicated via email with XXXX requesting this cancellation and they approved it and proceed to send a refund to Affirm which it never happened. I have tried many time to contact XXXX regarding this issue and they all said that the refund was granted yet my credit now has been affected with a collection for apparently not paying Affirm for something I never used and was told the money it was going to be returned back to the original form of payment which it was Affirm. I also spoke to members of Affirm explaining everything and how I never used the money or traveled but they told me that they would wait for cheapoair to refung them their money.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am requesting correction of inaccurate late payments on my credit report for XXXX XXXXXXXX XXXX, covering XXXX, XXXX, XXXX, XXXX, and XXXX. The files demonstrate that monthly payments of {$520.00} were made, which contradicts TransUnion 's reporting. Following consultation with the creditor, they have requested removal of these late payments. Please verify the payments through the attached files.
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 Federal Protection act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute, resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer at ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to REMOVE immediately. Here is the incorrect account : TD BANK USA/TARGETCRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.
Product: Credit card

Filed trip cancelation claim with card membership services through Chase sapphire reserve in XX/XX/year>. Claim was approved for {$7400.00} on XX/XX/XXXX. They say checks mailed 7-10 business days. To date, XX/XX/XXXX, I have not received payment. Called and emailed them multiple times. Correct, verified address on file. They told me a " second check was issued on XX/XX/XXXX ". I asked for a copy of both XXXX and XXXX check. They sent me an invasive email, that second check was mailed on XX/XX/XXXX. They did not provide me with copies. 

I do not believe they ever mailed me any checks. This insurance company is practicing in bad faith. 

I never had a check or other mail missing in 15 years living at current address, especially from Chase. 

Would like CFPB to help with receiving my check. 

Thank you in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XXXX XX/XX/XXXX {$380.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00}. Inquiry : XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I sent money using Remitly ( https : //www.remitly.com/au/en/philippines ) last XXXX XXXX. on the next day I noticed remitly double charged my account without my authorization. They mentioned that their payment portal is on error. After few days, they refunded my money from the double charge but I had overdrawn fee from my bank/ I requested refund of {$15.00} from remitly to my bank account - but remitly failed to do so. I made lots of communication to remitly but don't want to process the refund - in the first place its them caused this trouble. 

Can you please help me as I know there are lots of remitly user had experienced this as well. 

Please contact me in my email : XXXX XXXX
Product: Checking or savings account

I did not make and/or authorize the transactions from my checking account. 
I called Wells Fargo within minutes of my receiving emails from them regarding the transactions and filed claims. They rejected the claims.
Product: Mortgage

They have incorrect information on our transaction history for XX/XX/XXXX and XX/XX/XXXXr ofXX/XX/XXXX. We have repeatedly sent them proof of on time payments. They will not fix this issue. It has prevented us from obtaining a new home loan. We have sold the home that had this loan. We are currently in a Chapter XXXX. We had courts permission to sell that home. We have courts permission to obtain new debt. We cant be cause of their unwillingness to correct their errors.
Product: Debt collection

XXXX XXXX say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX Jefferson capital systems is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
Product: Credit card

Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. I prepay account spend over {$500000.00} per year.
Product: Debt collection

I moved to Nevada in XX/XX/2022 and acqired a new phone number. Ive been recieving multiple phonecalls from XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It appears again that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files.
Product: Credit reporting or other personal consumer reports

I was hired for a job and Sterling Background Checks provide 3 different items that they suggested should be carefully considered. All 3 items were and are over 7 years old. The background check itself reads no results over 7 years should be provided. I was not able to start my new job because of the old information that Sterling provided my employer.
Product: Credit card or prepaid card

To whom it may concern. I have Victoria 's Secret card for 4 years, I paid my bill every month but they never send me the paper bills and the availability of credit is or was always almost full credit limit. 
The last time I used the card was in XX/XX/XXXX and yes, I paid the bills every month ... The credit limits were {$600.00} and. On XXXXI received a letter from them saying they're reduced my credit limit because of inactive, so my credit limit is {$550.00} and available credit is {$3.00} dollars, on XX/XX/XXXX. I paid {$50.00}. 

Even though, Ive paid my bill every month where did my money go?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX ACCOUNT # XXXX. I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt. 
2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account. 

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through Affirm/ XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and Affirm is listed negatively. The loan has been satisfied and I have been in constant communication with Affirm/ XXXX XXXX. I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to 15 U.S. Code 1666b- Timing of the payments, these late payments are not valid and also are inaccurate due to how they are reporting the late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is not accurate and is a violation of my consumer rights. 


15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : XXXX ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.