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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * Early Warning Services , LLC * XXXX : Consumer Services * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXXXXXX Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

I received a promotional flier from Citizens Bank for the following : {$300.00} for opening a new checking account, {$200.00} for opening a new savings account with {$15000.00} in new money and retaining that balance for 3 months, {$100.00} additional for doing both. 

The applications were submitted on XX/XX/XXXX. The account was not opened by Citizens until XX/XX/XXXX. 

The promotional flier has a clear table for payout schedule. For accounts opened in XX/XX/XXXX, " Bonus will be payed by '' XX/XX/XXXX. 

I reached to Citizens Bank on XX/XX/XXXX when I noticed the promotion bonus had not been paid. I spoke with an agent named XXXX who got me to a XXXX named XXXX. XXXX explained that they would have to look into the issue and get back to me stating a manager callback would happen in 24 hours. After no callbacks for 4 days, I reached out to Citizens Bank support on XX/XX/XXXX about the issue and spoke with a different gentleman whose name I did not get. He said the case XXXX XXXX XXXX had an update from that morning saying the bonus would be paid out " by XX/XX/XXXX ''. I have yet to see the payment. Later on the same day ( XX/XX/XXXX ) I received a call from a manager named XXXX at Citizens who confirmed they had an issue with the account opening which resulting in the promotion not being recognized. When asked why the bonus payment would not be applied sooner, XXXX stated " marketing only makes the payments one day a week. '' This is a clear sign of systematic fraud by Citizens Bank to renege on their advertised offerings and to delay longer any resolution of their reneging once brought to their attention.
Product: Checking or savings account

XX/XX/22 I broke my XXXX and tried to log into Chime and add a new phone number I had access to. 
XX/XX/22 My account was " suspended '' or " locked '' by Chime due to Suspicious activity. 
XX/XX/22 I replied to their email asking for documents to verify my identity. I responded promptly and attached all required documents XX/XX/22 I call Chime customer service. They tell me to wait for an email response. I send another email to them. 


Every day since XX/XX/22 I have contacted them via phone and email, to no avail. Have not heard back from a single person with an update or anything even related to my case. I have my case #, ticket #, it doesn't matter.
Product: Credit card

post XXXX XXXX {$1300.00}. 
I requested two disputes to discover since a company that will recover money turned out to be a fraud, after disputing both transfers I proceed to upload the information about the fraud, in the first dispute, discover rules in my favor, in the second, it says that the company is right and that to get my money back the company had to return it for them to return the money to me, After asking for information, when the letter arrives he states that the following and quoted " My friend had him send the money to me, then I forwarded the money to my friend. So I never kept the money '' for discover is reason enough not to refund my money, even though on their page they have a promotion of XXXX fraud and in my case they did not help me at all even though I sent them all relevant and non-relevant information. Even the company shut down its social media and website, the name is XXXX XXXX but for discover it's not reason enough to reason enough to protect customers.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with Chase for charges from XXXX XXXX XXXX XXXX    XXXX on XX/XX/XXXX for {$280.00} and {$380.00}. Despite the mountain of evidence, I provided on both my original dispute and my request redisputing the card on XX/XX/XXXX for the following reasons : Incorrect Amount charged, Not as Described or defective merchandise ( no heat during a winter storm, leading to a below freezing room ) and misrepresentation ( XXXX Best Rate Guarantee not honored ) Chase either failed to fully investigate or ignored all the evidence as no detailed reason for the chargeback being dismissed was provided and nor was any compelling evidence.
Product: Vehicle loan or lease

On XX/XX/XXXX, the company sent a copy of purchase agreement since asking for a copy after purchase XXXX, XXXX. At the onset of purchase, I informed the company there were problems with windshield, sliding door, and other mechanical issues that has yet to be resolved. Additionally, late payment fees are taken out of my bank account on Friday when payments are always due every XXXX Saturday. 
On XX/XX/XXXX, I lost my job because of the company downsizing and letting go those that just started working. I was one of them. I informed the car company. 
On XX/XX/XXXX, the car company called telling me that I miss one payment and they are ready to repossess the vehicle and if I do not give the vehicle back voluntarily, they will contact police to issue a warrant for my arrest. Of course, I explain that I can not pay until I start my new job. I offered the car company a copy of my offer letter with date, rate of pay, and location. The car company did not want to hear it and continued threatening me.
Product: Checking or savings account

Someone fraudulently opened up a checking and savings account with BMO Harris Bank with my Social Security number and name. I contacted them on XX/XX/XXXX. Eventually their fraud department agreed the account was opened fraudulently and closed the account and sent me a letter acknowledging that on XX/XX/XXXX. I then received a letter from BMO Harris credit dispute specialist dated XX/XX/XXXX that stated that the account in question was opened properly. They would not take any further action to clear my credit unless I sent them a police report identify and I was a victim of identity theft. I have filed now for a police report, but how is it that the fraud department can say it was fraud and the credit department can say were not going to clear your credit. The only reason I knew the account had been opened was the fraudsters didnt select paperless statements for the savings account portion. Ive never received any information about the checking account that they had a paperless option on, nor do I know what the account number is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


1. US DEPT OF EDXXXX XXXX BALANCE {$7600.00} 2. US DEPT OF EDXXXX XXXX BALANCE {$4300.00} 3. US DEPT OF EDXXXX XXXX BALANCE {$3600.00} 4. US DEPT OF ED/XXXX XXXX BALANCE {$5300.00} 5. US DEPT OF EDXXXX XXXX BALANCE {$4000.00} 6. US DEPT OF ED/XXXX XXXX BALANCE {$9300.00} 7. XXXX XXXX XXXX  XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the difficulties I have encountered in accessing my free annual credit report through your online platform. Despite multiple attempts, I have been unable to obtain my report, which is essential for me to review and ensure the accuracy of the information contained therein. 

Each time I log in to access my report, I encounter obstacles that prevent me from completing the process. Whether it be technical glitches, denial of access, or requests for alternative means of verification. the result is the same- I am left without access to vital information that is crucial for managing my financial affairs responsibly. 

As a consumer, Ii am not only entitled to but also legally obligated to access my credit report in order to identify and dispute any inaccuracies or fraudulent transactions. However, the barriers I have faced in obtaining this information are hindering my ability to fulfill this obligation. 

I urge [ XXXX/Equifax/XXXX ] to address these issues promptly and ensure that your online platform is accessible and user-friendly for all consumers. It is imperative that you uphold your responsibility to provide accurate and timely access to credit reports, as mandated by law. 

I request that you take immediate action to resolve this matter and provide me with the necessary assistance to access my free annual credit report without further hindrance. I appreciate you attention to this matter and look forward to a swift resolution Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX XXXX {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to use the Equifax website several times over a period of several months to temporarily unfreeze my account. In all cases I was able to correctly answer the questions posed to me ( on the website ). Yet, in every case, I have been instructed to call their toll-free number to speak to a representative. 

Early on, I obtained a PIN, which should make the process of freezing or unfreezing simple and quick. Despite having a PIN, I was required to answer numerous questions when I called in. 

I appreciate that it is critical to maintain the security of my account. However, some of the questions are unreasonable. For example, I was asked to provide the month and date when I first implemented the freeze. This was several years ago, and I have no idea when it was done, nor was I told ( at that time ) that it was important to keep a record. 

I was also asked what my job title is on my credit record. Obviously, I know my job title. But, I have no idea what's on my file. Apparently, the two don't match ( and I still don't know what's on my file ). 

I was also asked to provide the current balance on a credit card account which was no longer open. Note that this was *after* I had indicated that it was a closed account. 

My inability to provide correct answers prompted the agent to ask that I mail in hard-copy information. This was particularly frustrating when I was trying to *reinstate* a freeze. This procedural hurdle was preventing me from protecting my own credit in a timely fashion. 

I escalated this issue to the manager on duty, and it has been resolved. My complaint is that there is a systemic problem with Equifax. The fact that it has existed since at least XXXX of 2018 suggests that they are not making a serious effort to correct it. 
By contrast, I have had no difficulties at all with XXXX or XXXX XXXX. 

All of the credit reporting agencies heavily market paid services for locking your credit report. I find it suspicious that Equifax has a long-standing deficiency that makes it difficult for non-paying consumers to obtain rights which are due to them under law.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX dollars. They told me that they would give me documents to help businesses market their products so I would make money. They told me that they would do the marketing for me, but they never did. I never got the last names of these people, and they told me that I would make money in return, and I never did. I found out that it was a fake business when I researched the business.
Product: Debt collection

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer reports by using different XXXX XXXX XXXX XXXX addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. Credit Control , LLC purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from XXXX XXXX XXXX XXXX. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from XXXX XXXX XXXX XXXX. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.
Product: Mortgage

Property settlement agreement due to divorce states that I am to receive the home and to refinance mortgage in my name alone. I refinanced with another bank and came to closing with entire escrow amount and original lender was to send me the escrow refund and this was to take 4 weeks. In 4 weeks on XX/XX/XXXX I called WF to check on status of check. was told by WF representative that my escrow overage check was mailed to ex-husband. Told rep that check was send to wrong place and must be Stopped and reissued bc Ex- husband will commit fraud and cash the check that does not belong to him. Rep confirmed that check will be stopped and re-issued on the call. 
XX/XX/XXXX I Called WF for status since never received check and was told that check was never stopped and never re-issued and ex-husband already deposited the check to his personal WF checking bank account without my knowledge or permission. I opened fraud investigation. Check was payable to both our names was in the amount of {$13000.00}. 
An investigation was opened and WF determined that they are not a fault and this is a civil matter. 
WF made 3 mistake that could have prevented him from stealing the money 1. they mailed the check to the wrong address and name. should have been only to me 2. they lied on the XX/XX/XXXX call and stated they STOPPED and RE-ISSUED the check 3. Allowed ex-husband to deposit the check ( payable to both our names ) to his personal checking account with only his endorsement. 

If on XX/XX/XXXX the rep told me that he is unable to stop the check- I would have immediately reached out to my divorce attorney who would have taken appropriate measures to ensure that this check is safe and returned back to me I've spend hours and hours on the phone with WF- they kept me on hold for 2 hours at one time then hung up on me and are very unprofessional
Product: Debt collection

Yes an agent contacted me for a firm named Sunset Solutions LLC. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of $XXXX. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting Sunset Solutions LLC to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.
Product: Credit card or prepaid card

Contacted Discover to set my cash advance limit to XXXX, effectively disabling this use. I don't want the possibility of merchants or, if the card is stolen, to get cash. 

I was told by customer service this is not possible, and no alternative was given. 

I saw a statement just a few months ago from Discover public relations, XXXX XXXX, saying it is possible to set it to XXXX  : XXXX XXXX XXXX Was this statement incorrect? Or modified right after advertising it? 

The Discover It card was my number one card a few years ago. It lost all of its benefits, and now I only use a few times a year when there is a reason to. It is unfortunate the good managers ( seems to have ) left this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that XXXX XXXX  has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.
Product: Credit reporting

I have a delinquent closed ( written off ) account on my Experian credit report with a company called XXXX that is not mine. I 've tried disputing, but it 's hard to provide evidence something is n't yours especially if you have no idea how this account is connected to you. I 've even tried calling the company, but they are unable to even let me access the account because I do n't have account number which makes sense because I 've never received a bill for the account that IS NOT MINE.
Product: Checking or savings account

2 checks total amount of {$4000.00} was deposited in my account in 2 different date without my account number by a stranger that I did not know. I went to the bank 10 minutes after they were deposited. the bank assured me the funds are good and available to withdraw. I used two different branches to make sure the funds are valid, asked if you verify the funds and if the funds are good to withdraw, They both assured me all is good. I withdrew total of {$4000.00} in 2 branches the same day as it was deposited. 4 days later, the bank overdraw my account because the checks were fraud. ( XX/XX/XXXX for {$1800.00}, 2 days later XX/XX/XXXX {$2200.00} ) The bank should have hold and verified the funds before giving me the money. I had to come up with {$4000.00} to cover my account. The person who deposited the check did not show and ID, and did not have my account number. They are no where to be found. This is bank mistake to allow this without proper ID. I tried to resolve the issue with the bank. But they said I am responsible while they made error of letting stranger to deposit with knowing my account number or showing legal ID. They need to be held responsible for this. They could have prevented this fraud at so many different level like holding the check til its clear before releasing the funds to me.