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

On XX/XX/XXXX I was alerted that my Wells Fargo debit card had 2 transactions at a XXXX, one for {$700.00} and another for {$200.00}. These transactions were not me, were not authorized by my, and I had my card in my possession at the time. 

On XX/XX/XXXX, I called Wells Fargo fraud division and filed a claim for fraudulent charges on my debit card. Wells Fargo canceled my current debit card at the time, sent me a new debit card, and credited my account for {$900.00}. They also mentioned the investigation of the fraud could take up to 10 business days and if anything else was found I would be notified. I assumed by the end of the month the 10 business days had passed and I was ok to spend the money credited back to my account. 

On XX/XX/XXXX, I received a letter from Wells Fargo Claims assistance center stating that they have completed their research on my claims inquiry. This letter stated that " based on the information available to us, we found the charges were made by you or someone who had your permission. As a result, the {$900.00} temporarily credited to your account, will be deducted on XX/XX/XXXX. 

After this letter was received and the {$900.00} was deducted, resulting in a negative balance of over {$600.00} dollars, I called the Wells Fargo claims assistance center again. The person who answered the phone could only read the notes at hand stating that " based on the information available to us, we found the charges were made by you or someone who had your permission. '' I was persistent in stating that these charges were not made by me or anyone that I had authorized, and that my card had never left my possession. I was told that " the transaction indicated that the card was present for this transaction and there was nothing else they could do for me at this moment. 

My family has banked with Wells Fargo for many years and hold a mortgage with them as well. They have had fraud/ identity theft issues in the past and have had no issue when solving it. This is the first fraud issue I have had and they are telling me that the card was present and it was not. I feel as I am being treated like a criminal being told that it was me that made this transaction and that I am lying. 

In the mean time I am out of {$900.00}, asking family members to cover my negative balance and overdraft charge. Wells Fargo is saying there is nothing else they can do and the next step would be to file a police report. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A " XXXX XXXX XXXX XXXX XXXX  Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As XXXX XXXX is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The XXXX XXXX fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the XXXX XXXX account opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$550.00}.
Product: Money transfer, virtual currency, or money service

I have attached the emails and bank deposits along with the banks schedule of my XXXX XXXX XXXX account. 

There was {$160000.00} in existing client trust funds which had been in my account and collected. 

I received the first cashiers check via XXXX XXXX ( see copies ) on XX/XX/XXXX which I deposited per the Sellers instructions ( all in the e-mails attached ) I forwarded the entire email string to XXXX at XXXX and per the email instructions we wired {$90000.00} to the directed Citibank in MD. 
Per the XXXX and executed representation agreement, I transferred {$2500.00} to my operating account. 
On XX/XX/XXXX, I received a second cashiers check via XXXX XXXX drawn on the same bank ( in pdf ), I went down to XXXX that morning and per instructions wired {$97000.00} to the same Citibank MD account as before. The wire was instituted the same morning I deposited the cashiers check. The title to the Citibank XXXX was XXXX XXXX XXXX. 
I called XXXX XXXX and left a voice mail on Wednesday XX/XX/XXXX telling him I was feeling weird about the wire transfers On XX/XX/XXXX, the bank debit the first cashiers check for XXXX when it was returned uncollectible. XXXX never verified the funds were good before wiring same even after the voice mail to XXXX. 
On XX/XX/XXXX, when the bank discovered the first cashiers check was bad, they stopped payment and debit the second deposit out of my account as pending uncollectible because they knew there was fraud. 
I met with XXXX, the fraud lady at XXXX and she instituted a XXXX recall from Citibank in MD. 
We also met with the XXXX XXXX and filled out a police report. XXXX XXXX XXXX XXXX white collar crime on XX/XX/XXXX. XXXX XXXX XXXX XXXX The banks general counsel ( I talked to him this week ) is XXXX XXXX XXXX. His email is XXXX. 
The bank is denying any responsibility for the problem although XXXX ( wire transfers ) asked me afterwards how I received the checks and I told her XXXX and she said she could have told me that was a scam. 
I have attached data from the NJ law firm that was scammed by Citibank transactions to XXXX. 
XXXX ( XXXX XXXX told me the funds had been wired to Citibank to XXXX XXXX in XXXX. 
I have filed reports with the FBI, FTC, FBI, OSBI and the FDIC. 
I have attempted to contact the NJ law firm several times. No return call. 

XXXX knew or should have know there were scams and they wired uncollected funds without verifying their authenticity the same day the were deposited ( on the second wire
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  Account # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Account # XXXX XXXX Account name : XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
Product: Mortgage

I received my escrow analysis which outlined that had a significant deficiency leading into the new year which was going to cause my payment to go up by $ 900+. 

On the escrow payment statement and analysis, they estimated my taxes that would be paid for XXXX and XXXX to be {$6600.00} & {$4200.00}. Since that statement was mailed to me, they paid my taxes which were almost $ XXXX less than they estimated, total amount was {$6000.00}. I contacted them to have it corrected and they stated a high priority task would be submitted to have the analysis recalculated. That would be complete on XX/XX/XXXX and I would get a phone call on XX/XX/XXXX. 

I did not receive a call so I called them back on XX/XX/XXXX. They stated the analysis was redone and my payment was reduced by {$300.00}. I told them that was still incorrect as I went into the year with a surplus in my escrow account and not a negative. They said they would submit a new task and mark it priority, to call back on XX/XX/XXXX. 

I called on XX/XX/XXXX and it is still not fixed and the payment they are requesting is incorrect. They stated they were submitting a new task and marking it as priority. I told them that it is ludicrous that nobody has been able to identify their error and just fix it. Ive been pushed to call back 3x with no resolution. They cant nail down why my payment is so high on the shortage of {$1500.00} which doesnt show to be accurate on my end based on the payment history. They are now saying my taxes reduced on XX/XX/XXXX so they need to run a new analysis which will take 10 business days. 

This company can not identify their error let alone correct it. Even speaking with a supervisor does not resolve the problem
Product: Debt collection

The debt collector involved in this case, sent no notification of debt. according to the FDCPA. A G Notice was never received. Upon inquiry, inaccurate data was received from the debt collector. The accounting statement reflects a move-in date after the stated move out date. The statement does not reflect a clear and accurate reflection of the charges and funds received. This inaccurately reported information has inhibited me from obtaining financial products to obtain a home loan. This information was also placed on my credit report with no notification, and no opportunity to remedy.
Product: Debt collection

I dont know what happened I never applied for it or even ran my credit report. Also I never gave them permission to share my as name birthday address etc ...
Product: Credit reporting or other personal consumer reports

RE : ( XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX ( OPEN DATE : XX/XX/XXXX ) AMOUNT {$8400.00} To Whom It May Concern ; I disputed the referenced accounts above on XX/XX/XXXX. My credit report shows these item were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, procedures in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph.

is reinserted in the file, the consumer reporting agency shall notify the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information, As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report THIS ACCOUNT IS ALSO REPORTING C/O MONTHLY WHICH IS FURTHER RE-AGING MY ACCOUNT TO A FRESH CHARGE OFF CAUSING MAJOR DAMAGE TO MY CREDIT SCORE THIS IS DEFAMATION OF CHARACTER RE-DELETE THIS ACCOUNT IMMEDIATELY
Product: Bank account or service

They locked my account for the reason that I was not too active and sent the money to unclaimed funds somewhere. I came into the branch today to ask for the log in and found out. Now, I do n't even know where they sent {$1500.00} to. I asked them and all they said was that they do n't know.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments.
Product: Money transfer, virtual currency, or money service

They closed my cashapp account supposedly violating the terms and conditions
Product: Debt collection

Approximately three-four years ago I started to received letters and calls regarding this debt. I advised the company the debt was not mine. I disputed the debt in writing and by phone multiple times. In fact, when I called the company, they confirmed the debt was not in my name. It wasn't until many calls and letters later they changed the debt to my name. In fact when they finally sent the debt to a third party collection agency, the collection agency stated another persons name. I advised them the debt was not mine. that I never had a XXXX account. I hired an attorney and the attorney corresponded with the collection agency and with the original creditor, XXXX. The attorney received validation of the debt which confirmed the account was NOT in my name. The debt was removed from my credit and I never heard from them again. For a short time the debt was deleted from all three major credit reporting agencies. Recently the debt showed up on my CBR again. I believe this may as a result from XXXX being sold to XXXX. I called XXXX to confirm they do not have my debt and they do not. I have no outstanding bill with XXXX and I do not owe this bill to XXXX. The bill was fraudulently placed in my name by the original creditor. Validation of the debt and the original contract proves this. I have had the same phone number with zero issues and zero late bills or payments for many years. This can be confirmed with XXXX. I am requesting a thorough review of this debt and ask that it be deleted from all three major credit bureaus immediately.
Product: Debt collection

Today on XXXX XXXX, 2016 I have received 3 phone calls from Receivables Performance Management. Every time I answer my phone, its dead air and they are not speaking. I call back and got disconnected on more than 6 times. I placed a cease and disease on my account to stop contact me because of the harassment number of phone calls in one given day. After I placed the cease and disease on the account I received another phone call from Receivables Performance Management.
Product: Credit reporting or other personal consumer reports

Transunion is reporting unauthorized and inquiries that are not verified inquiries that was not approved by me please remove I have not approved. 


XXXX  XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX. XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Credit card or prepaid card

This morning, I filed a follow-up complaint ( XXXX-XXXX  ) because the response to my initial complaint was a voicemail with return telephone information that did not work. I received a response to this with the exact same information - an 800 number and access code that took me to a call center where no one was able to connect me to XXXX 's extension. I tried three times without success and only increasing frustration. on the last attempt, I spoke to a woman named XXXX, who refused to even try to connect me to XXXX 's extension before I provided " verification '' but when I persisted, she finally looked up the extension number and informed me that it " was not working. '' I am not going to return any further phone calls from Capital One. This is beyond aggravating and a completely unacceptable way to treat customers who have already been on the receiving end of unfair and deceptive practices. A company of this size should be able to manage a process for returning phone calls. If Capital One wishes to respond to this THIRD complaint, use my email.
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 violates the consumer financial 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 act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate action for these violations.
Product: Debt collection

I sent letters of dispute to I.C System INC in or around XX/XX/year> and XX/XX/year> for the amount of {$210.00}. I.C System INC signed for the letters on XX/XX/year> and the second letter on XX/XX/year>. I.C Systems did respond after the 31 day timeframe required by law. I received a response from I.C System INC stating that they had investigated my recent dispute and that they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. As of this day, XX/XX/year>, the account still remains on my credit report and has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, along with the information of most adults in the United States. This put me, and well over 100 million others at risk, and is unacceptable. I am listed as a potential victim according to equifaxsecurity2017.com, and I would like a resolution. 

Equifax 's efforts to notify the public of this massive and dangerous breach are lackluster. The company took too long to notify the public, and are not making enough of an effort to protect those who are affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a self-credit card on my report that's showing as open when it's been closed since XX/XX/2023. 

I've disputed this time after time and it still remains. I've attached proof that it's reporting as open and I've attached proof that the account is closed. 

I have the right to an accurate credit report.
Product: Debt collection

Ive been trying to have all information removed from my credit many are paid off and others I have no clue whom they are. Ive reached out to theses companies and neither would provide me with anything about these debts. They 've called me harassing me as well the credit bureau refuse to verify these companies. Ive dispute with the credit breau over and over and nothing has happened.     Account Name :   XXXX   XXXX   Account Number :   XXXX Account  Name :   XXXX   Account Number:  XXXX  Date:  XXXX    Balance   : {$450.00}   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   XXXX   Account Number:  XXXX   Date :   XXXX   Balance : {$610.00} Address :   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Date :   XXXX   Balance :  {$740.00}  Address   :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   Account Number :   XXXX   XXXX   XXXX   Date : unknown Balance : {$450.00} Address :   XXXX   XXXX   XXXX   XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Student loan

After paying my loans for almost a decade, on time according to the agreement in place with the creditor Navient, decided to sell my loans to two other creditors. I have gotten letters from XXXX XXXX XXXX and another creditor XXXX XXXX XXXX XXXX XXXX, all while still getting letters from Navient as well. I know by law I am not required to pay on loans seeking compensation for the same account. And because Navient has changed the loan terms so many times and mis-managed the money I have sent to them over the years I refuse to allow them to further destroy my abilities to apply for credit. It has been increasingIy difficult to track down the different ways to manage the accounts associated with this company. I know through Indiana law that I have done my due diligence in paying off these student loans. Navient can no longer prove they own the rights to collect on any of the loans in question. I have written numerous letters to their department of Education and private loan dpt. and was successful in getting all the accounts associated with Navient removed from both my XXXX  credit report and my XXXX credit file since XX/XX/2019. However, now that it is the month of XXXX Navient has placed some accounts back on my credit file with the credit bureau XXXX. I am respectfully demanding that all accounts with Navient be removed from all three of the major reporting credit bureaus : XXXX, XXXX, and XXXX  immediately. I have solicited the help of lawyers and I'm prepared to sue Navient for every last cent they claim I owe if these accounts are not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions