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

On XX/XX/XXXX, my husband and I opened a Certificate of Deposit ( CD ) account in the amount of {$5000.00} with Wells-Fargo Bank XXXX  XXXX XXXX XXXX in XXXX XXXX , CA with Assistant Branch Manager XXXX XXXX , NMLSR ID XXXX. 
I visited that same branch and attempted to close out the account and withdraw the funds on XX/XX/XXXX. 
Initially, I was told by the teller that they did not have a record of our CD account. 
I then met with Branch Manager XXXX XXXX, NMLS ID : XXXX. 
He searched the bank records and found a computer record that showed that our account had been closed on XX/XX/XXXX. 
He stated that the bank would have written a Cashiers Check to us in the amount of {$5000.00}. 
As I did not recall ever having cashed out this account, I carefully searched our bank records at home and discovered that we have NO RECORD in our bank statements or check registers from that time period of having deposited funds in the amount of {$5000.00} in late XXXX early XX/XX/XXXX to either our checking or savings accounts. Neither do we have copies of a receipt of a cashiers check or record of closing the account. 

We have copies of the receipt of {$5000.00} for the CD opened on XX/XX/XXXX with an Annual Percentage Yield of 0.21 % - renewal term 24 months. Please see attached. We also received just one Maturity Notice dated XX/XX/XXXX ( see attached ), and the business card of the branch manager that assisted us. 

We have not yet followed up about this research and discovery with Branch Manager XXXX . XXXX yet plan to. I decided to file this complaint first. 

According to several articles I located online, Wells Fargo Bank has a history of losing their customers investments and deposits. For example, according to an article dated XX/XX/XXXX, since XXXX, 568 bank customers had filed formal complaints against Wells Fargo with the Consumer Financial Protection Bureau. Seventy of those complaints came from customers in California. 
This makes me very suspicious that we may in fact be victims of similar bank fraud and I would very much appreciate having this investigated at your earliest possible convenience. 

In the meantime, we will also visit the branch and speak with Branch Manager XXXX . XXXX regarding these concerns in the near future. 

Thank you in advance for your efforts on our behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced identity theft in XX/XX/2019. Someone had applied for 3 credit cards with two weeks using my personal identity. 

I received an alert and immediately notified all the credit card companies where they received the application, as well as all the credit bureaus. 

The credit card companies never issued a credit card, because they could not verify my identity. 

Credit card companies ( XXXX XXXX ( two applications ) and XXXX XXXX ) notified all credit bureaus that a fraudulent application was filed and was identified as identity theft. They also provided me a written letter that they have notified all other parties about this fraud. 

XXXX and XXXX XXXX both immediately removed unauthorized hard inquiry, however, Equifax refuses to answer or fix this error. 

I have tried to resolve this issue by calling, writing, faxing them multiple times, and have also included a letters from the credit card companies that this was a fraud / identity theft that they detected, yet Equifax refuses to listen. All they do is put me on hold for 20-30 min at a time and say we can't answer you, but expect a response in the mail, but never send me any reason why they can fix this error.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), there quired document and a letter from an advocacy group assisting me due to XXXX  debt XXXX, which falls under XXXX  according to XXXX-DebtFinal Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian. Please delete the following accounts : XXXX XXXX XXXX XXXX .... balance {$8200.00} XXXX XXXX XXXX XXXX .... balance {$9800.00} XXXXXXXX XXXX XXXX XXXX ... XXXX {$21000.00}
Product: Credit reporting or other personal consumer reports

I have lost count of the number of correspondences I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be adequately addressed. Once again, I find myself compelled to dispute the fraudulent information that continues to tarnish my credit file. Despite my submission of the requisite FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. It is important to note that I have already contacted the associated banks, provided the necessary documentation, and successfully had the accounts removed from their records. Furthermore, other credit bureaus have already expunged these accounts from their reports following the submission of the FTC complaint. Thus, I am perplexed by the verification process your bureau has employed to justify the continued reporting of these fraudulent accounts. I'd like the account deleted from my file : XXXX XXXX XXXX
Product: Credit card or prepaid card

To say the very least Ladies & Gentlemen, I am completely disgusted with the response and follow up from Discover. I can not believe that the financial entity that calls itself the warm & fuzzy financial institution, did not respect my, more than decent response to them arbitrarily closing my account. That was, by the way in perfect standing, never a late payment, and a XXXX   balance. After even explaining that my parents both died within a close time frame, they still choose to not be decent with me, by any stretch of the imaginable common sense. I am therefore, again asking for your help in following up on this issue. The only reason that they gave me was that because I had not used it, there was a risk of it being lost or falling into the wrong hands. To say that is the most RiDICULOUS reasoning I have ever heard is an understatement. Nothing of the sort ever happens or was ever going to happen. I keep all the cards that I dont use regularly in a safe. I would ask that you please help me restore and resolve this issue in a timely manner. I great appreciate your services and what you do for the US citizen. BTW, my dad that died, was a meme we of our nations greatest generation. He was a XXXX XXXX XXXX veteran ( XXXX XXXX ). Seriously, please help me fix this ridiculous issue. It is disgusting and disrespectful to say the least. Lastly, I thank you in advance for your follow up and attention to this matter. 

With Respect & Kind Regards, Sincerely Yours
Product: Credit card or prepaid card

In 2012 because of a job loss I struggled to make payments on my Citi Cards credit card. Phone number XXXX. As of XX/XX/2012 the balance was {$8000.00}. The account was sent to collections in 2012. I have been making payments monthly without fail since 2012.The current balance is {$5100.00}. For the last 5 years I have asked the company to send me statements of my payments and the balance. They have notified me on several occasions that they can not and will not send me statements. To get my balance I have to call them and take their word that the amount due is correct. 

I would question the legality of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXX 2009 Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself XXXX XXXX another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let Experian XXXX XXXX core logics XXXX XXXX  Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There not American they was not born in America. I was they look at me like money gold mine because I was born in America they are not from untied states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.
Product: Credit card or prepaid card

AMEX has refused to chargeback {$4000.00} despite the fact that I was victimized by a con scheme at a time I was grieving the loss of my husband. The circumstances are as follows. My husband of 58 years, XXXX XXXX XXXX XXXX died on XX/XX/2018. His Obituary was published on XX/XX/2018. On the same day, I received a telephone call from an imposter posing as " Officer XXXX XXXX '' who stated that my grandson, XXXX XXXX has just been XXXX  for XXXX and XXXX XXXX XXXX. He put another imposter on the telephone acting as my grandson who said : " I know this is a bad time ( crying ). Please don't tell my father, I'll tell him myself. I'll pay you back. I'm innocent. '' The " detective '' said that to clear my grandson, I needed to purchase two {$2000.00} XXXX XXXX gift cards. Flushed with agony, I immediately purchased two {$2000.00} gift cards using my AMEX credit card. The " detective '' instructed me to give him the gift card numbers and destroy the card. I gave him the numbers but did not destroy the cards. Hours later I began to realize that I had been victimized at a time when I was most vulnerable. I promptly reported the episode to the Police. A copy of the Report is annexed together with the Obituary and the AMEX denial
Product: Credit reporting or other personal consumer reports

The tradeline in question is not being reported with maximum possible accuracy, as required by law. This inaccuracy is a clear violation of my rights, and I demand that it be removed from my credit report immediately.
Product: Credit card or prepaid card

I am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it as soon as possible.
Product: Mortgage

This compliant is still on going. I resubmitted my modification application on XX/XX/XXXX and we are still stuck on the same issues. I did provide proof of income with my application to support the last three months of unemployment. TD Bank is requiring that I provide a " Current Benefits Statement '' from my State unemployment office. I have called the State numerous times since last year, and no one that I speak to knows what a " Current Benefits Statement '' is or how to produce one. I did submit three months of my benefits from the unemployment website. I can submit a XXXX for XXXX and have offered that as an option to support my income. If TD Bank believes that a " Current Benefits Statement '' exists, then I am guessing they have seen many this year and I've been talking to the wrong people. They should provide me with a blank copy that I can share with the State so I can move this along please. Also every government form has a form id or number which also should be made available to me by TD Bank. 

On XX/XX/XXXX, I emailed XXXX XXXX who introduced herself as someone that was going to help me with this issue. It has been over a week and she has not responded to my email or called me. I am requesting that I be provided with a contact that is a loan officer who can speak directly to the loan application process. This is how banks like TD Bank used to operate. I also want to know if either of my mortgage or HELOC are located in TD Recovery, and if so, why? I have never missed a payment. Lastly, I need a weblink that show the current mortgage and HELOC rates for both of my loan types please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX, and PRESTIGE FNL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and PRESTIGE FNL with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I was supposed to receive my direct deposit on XXXX  the XX/XX/XXXX. Capital stated that they were having an issue and it will be resolved in two hours. Its now been 48hrs and I dont have my direct deposit. Ive confirmed with my employer that they have the right account information and they are not at fault. I have bills to pay and children to care for. I cant make my college tuition payment because of this and could be dropped from my classes.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions also have inquiries that do not belong to me. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX Transunion XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$950.00} XXXX  Date Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$740.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$5300.00}
Product: Credit reporting or other personal consumer reports

The following accounts are violating my rights by report the following information to my credit report with the following late payments. In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681a2Ai states I have the right to privacy. Under 15 USCS 1666b 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Ive recently requested verification of inaccurate accounts reporting on my credit report and received a response stating the account was verified and unable to remove accounts. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is requirea to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my report. Also, for a lender to CHARGE OFF any debt the lender that cancels or forgives a debt must send Form 1099-C to the IRS and the borrower. If I receive a 1099-C, I may have to report the amount shown as taxable income on your income tax return. This form was not sent which violates 15USC 1681eb which states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE/WALMART ACCT # XXXX XXXX XXXX XXXX CHARGE OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my documents My current license is from Tennessee And whatever case That seems pending Case was resolved and closed with a withhold adjudication no point no conviction. Please find attached the court case summary of the citation. The record you pulled its not an official Driving record, so it does not give the full detail of the case on your record. 

Here is my case worker and lawyer info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX
Product: Checking or savings account

Hello, Huntington National Bank is currently offering a promotion where, if you make {$15000.00} in deposits, they will credit you {$500.00}. Having the money to spare, I opened an account in attempt to satisfy these requirements. 

On XX/XX/2018 I sent the first {$7500.00} and on XX/XX/XXXX I sent {$7500.00}, both times from my personal XXXX checking account. 

On both occasions, after the funds had posted to the Huntington account, I withdrew the money to send back to myself. In hindsight, I realize this was probably not the best choice of action and was likely to raise a red flag, but because the promotional offer involved moving large sums of money I did not think twice. 

Huntington will not let me access my account after flagging it as possible identity theft. They want me to come into branch with ID which is no problem except I live in CA and their branches are in the XXXX, over a thousand miles away. 

Thank you
Product: Money transfer, virtual currency, or money service

I wish to file a complaint against Block , Inc. also known as Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Transunion will not investigate to verify the XXXX XXXX bank cards are closed and paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX BANK Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$59.00} 30 % of Credit Limit* XXXX Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$130.00} 66 % of Credit Limit*
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NON-RESPONSE. 

STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products.