23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I was the victim of a fraudulent wire transfer totaling {$14000.00} from my Wells Fargo business account. I reported the incident to Wells Fargo immediately and submitted XXXX police reports, both of which were provided to the bank as part of the investigation. 

Wells Fargo informed me that they would initiate a recovery claim with the receiving bank, XXXX  XXXX XXXX. However, I received no documentation or confirmation that this was ever done. For several weeks, I followed up repeatedly, and each time I was told that a claim had been filed and that XXXX  XXXX XXXX was not responding. 

On XX/XX/XXXX, I obtained an official letter from XXXX XXXX XXXX confirming that this is not true. They clearly stated that they have not received any claim or Hold Harmless Indemnification request from Wells Fargo regarding my case. Furthermore, XXXX XXXX XXXX confirmed that the scammer 's account has been flagged for fraudulent activity and that they are fully willing to cooperate with a formal recovery effortif Wells Fargo would submit the necessary documentation. 

This morning, on XX/XX/XXXX, at XXXX XXXX, I received a call from XXXX XXXX, a Wells Fargo representative, who again claimed that XXXX  XXXX XXXX had not responded. When I calmly asked to speak with a supervisor, XXXX abruptly hung up on me. Her tone throughout the call was aggressive, dismissive, and unprofessional, which is especially concerning given that I am a fraud victim seeking help. 

To date, Wells Fargo has : Not provided a Hold Harmless Indemnification form Not submitted a claim to Bank of America Repeatedly misrepresented the facts regarding their actions Demonstrated unprofessional conduct through their representative Failed to protect me as their customer and take the appropriate recovery steps This mishandling has caused me significant financial loss and emotional distress. The stolen funds were intended to support my small business and provide for my XXXX XXXX  chil

d. Wells Fargos inaction and lack of accountability have made a painful situation even worse.

I am requesting a full investigation into Wells Fargos handling of this fraud case, their failure to submit a recovery request, and their treatment of me as a victim and client.
Product: Credit card or prepaid card

I've been a Citicard member since XXXX. That's 15 years without a single missed payment until I increased my auto-pay amount and was unaware it didn't go through! That one time this past XXXX a payment was 8 days late because the amount wasnt collected via autopay as usual. 
I had also began receiving these robo calls concerning my account which my phone identified as spam. Being sick of this number calling my phone I picked up and it was some bot asking me to check my Citicard account, thats when I found out the new auto pay amount didnt go through. 

The payment was promptly when the when I realize what happened. But on XX/XX/XXXX instead of recognizing my superior record with Citi they decided to be an XXXX* and cut my entire credit line on both cards to almost nothing making it a now appear as if Im at my credit limit thus severely damaging my credit score! 

My credit was reviewed not by a person instead by an " Automated Consumer Interview System '' via XXXX A XXXX computer bot decided I should have my credit cut off! REALLY! Since my XXXX Report is Frozen I'm not sure where they conjured up this nonsense. I've just gone through every line of my credit report and there is nothing I repeat nothing derogatory to prompt CitiCard to do such a hideous thing. 

When I called them all I got was their computer bot runaround, when I finally got someone whom I could hardly understand I was told the the people who actually review credit can only be contacted via snail mail, they dont take phone calls or emails. I was then told they would send a request to them to review my account. No one wanted to take responsibility and there was no one connection with this to speak with. CITICARD reviews credit by using an " Automated Consumer Interview System. '' 15 years of credit history gone because of artificial intelligence, And I use that term loosely! A computer bot decided I should have my credit cut off! I want to let everyone know about Citicard 's egregious behavior and the treatment of the senior clients. When considering an credit card for your business or personal use, this is not the one to choose, there are many other companies that value their long-standing clients. CITICARD IS NOT ONE OF THEM
Product: Checking or savings account

I opened an account with Region Bank back in XXXX XXXX XXXX dollars was stolen out of my account between XX/XX/XXXX and XX/XX/XXXX. I reported the matter, I cooperated with the bank did everything they told me to do as far as filing a police report. The bank had decided not to refund me my money back. My money was stolen and I want my money back.
Product: Checking or savings account

I reported to my bank that I lost my wallet and phone after leaving a gas station, where I had last used them. A few days later, I noticed unauthorized transactions on my account. Initially, I believed my card was locked, but it turned out it wasn't. then filed a fraud claim. The amount of unauthorized transactions was substantial. 
Despite this, I am confused as to why I am unable to get my money back and why the investigation into my claim was less than 24 hours completed. 
Additionally, I was informed that any credit applied to my card would be reversed on XX/XX/XXXX due to the denial of my claim.
Product: Credit reporting or other personal consumer reports

Unrecognized inquiries noted on my account as well as inaccurate personal information is listed on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00} Charged off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX {$9200.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX {$12000.00} Charged off XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$850.00} Late/Open XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$950.00} Late/Open XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} Late/Open XXXX XXXX L XXXX Date Opened XX/XX/XXXX Balance : {$2600.00} Late/Open XXXX XXXX L XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} Late/Open
Product: Credit reporting or other personal consumer reports

XXXX is very incompetent and seriously needs to be investigated and perhaps fined. I have tried on multiple times to resolve this issue yet they are not helping. I need the CFPB to intervene. They sent me a letter in the mail requesting additional documentation such as a copy of my SSN and utility bill to establish identification which I gladly did. Yet they are still tossing me around left and right. I am appalled by this whole situation
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the XXXX XXXX account appearing on my Equifax credit report with I have never opened an account with XXXX XXXX and have no knowledge of this debt. I believe this account is the result of either identity theft or mistaken identity. 

I contacted XXXX XXXX directly and requested proof of a signed contract for this account. As of XXXX I have not received any documentation or response from the company, nor have they removed the account from my credit report. 
Therefore, I am requesting that you immediately investigate this dispute and remove the XXXX XXXX account from my Equifax credit report. Please note that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please find attached copies of my communication with XXXX XXXX as supporting documentation. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed account has been removed from my report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Golden1 had a planned outage, Friday XXXX to Sunday. On Monday, XXXX I was still unable to access my account. Bills are due. I called from work at XXXX, and requested a call back and held my place in the queue. I never received a call back. When i tried to reset my password, a telephone number not mine was linked to my account. Golden1 XXXX XXXX page shows a number of people with the exact same issues. I dont know if my bills have gotten paid and I dont know whether my funds in my checking are adequate to cover everything. The bank will not call me back and the branch is open minimal hours. My bank has locked me out of my account and will not respond. 

Tuesday XXXX at XXXX all issues persist.
Product: Student loan

I recently read an article in XXXX XXXX about a student-loan company receiving a XXXX penalty for misleading borrowers. As I read, I felt as though this article could have been written about me and my lender, AES. 

I am an educated teacher with a XXXX XXXX XXXX. I have been trying for almost XXXX ( XXXX ) years to have my loans forgiven. I work at a XXXX XXXX school and have paid my school loans religiously for over 20 years! I have applied for loan forgiveness repeatedly only to get reasons that seem to be very convoluted and/or purposefully misleading. Correspondences from AES were not very user-friendly, relevant, or helpful. Frankly, I feel as though they were just sending form letters that employees are trained to send to discourage borrowers from moving forward. Which is exactly what happened to me. 

I have called and spoken with AES on numerous occasions yet no viable direction was ever given to assist me in the loan forgiveness process. According to the article mentioned above, the bureau states, 'borrowers with XXXX XXXX, in particular, were mislead about XXXX XXXX XXXX XXXX XXXX ' This is exactly how I feel given my summary of loans that all indicate XXXX loans. 

Please see attachments for : - Summary of all loans since XXXX - Letter from lender combining my loans - XXXX denial letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Order of Events : XXXX - Attended XXXX at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Received BS in Management with a Concentration in Marketing and a Minor in Economics XXXX - Attended Graduate at XXXX XXXX XXXX XXXX, NY - XXXX XXXX XXXX ( MST ) in Teaching, Grades XXXX XX/XX/XXXX - XXXX XXXX XXXX combined my XXXX XXXX into single account, for a combined total of {$39000.00}. 

XX/XX/XXXX - Applied for forgiveness as I worked at a XXXX XXXX school for more than XXXX consecutive years. Received Denial Letter # XXXX from AES ( see attachment dated XX/XX/XXXX ) XX/XX/XXXX - Spoke with an AES XXXX, confirmed reason for Denial Letter # XXXX, resent application using the fax number given to me by the loan company rep. Confirmation on my end states the fax went through. Received Denial Letter # XXXX from AES ( see attachment dated XX/XX/XXXX ) XX/XX/XXXX - Received Denial Letter # XXXX from AES ( see attachment dated XX/XX/XXXX ). I still have no idea what this excuse even means! 

XX/XX/XXXX - After being discouraged and given the run-around ( but before being sent Denial Letter # XXXX ), I sent the summary of events letter directly to AES ( please see attachment ) ... then I gave up! 

I thank you in advance for your attention to my complaint. I agree with the above mentioned article in that they, 'do not believe that these deceptions from loan companies are unique ' to the company mentioned, XXXX XXXX 

The most frustrating part is that I very recently spoke with someone from an outside company who walked me through the forgiveness process step by step. Now, with only about {$1500.00} left in loans, I have been forgiven. The whole process seems criminal to me, especially since reading this article. I whole-heartedly believe I too have been severely deceived for almost a decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX 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 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 I've also noticed errors in payment history along all 3
credit bureaus.
Product: Checking or savings account

I called chime cause was having problems with debit card. Representative went into my account moved money from my savings to my checking and transfered it to a XXXX XXXX account for verification and he did this twice.I called chime again when i didnt get my money back and told them it was unauthorized transfer. They denied the claim i reopened and they denied again im currently going to reopen a 3rd time. I need my money back I live paychek to pay check im already behind on bills i need my money might not be a lot to some but its all I had!!
Product: Debt collection

Debt with XXXX XXXX. They are reporting that 1 I was evicted. I was not. I turned my keys into the former manager also my former supervisor as agreed.

2. Was charged for back rent I did not owe. They revoked move in special I received. Charged for grass cutting that was not done or needed.

3. The debt was suppose to be apart of the workers comp claim. For the injury that happened while working for the community.
Product: Credit reporting or other personal consumer reports

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to Transunion, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : 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
Product: Debt collection

Someone got my XXXX account information and used my XXXX account, Ive been trying all how to get resolved this with XXXX and they still behind me to pay this bill
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Early Warning consumer credit report sent to me via mail.
Product: Credit reporting

My husband and I paid all our rent on time & gave notice before we moved out. We had a walk through and did not owe any money for any damages. We did however forget to ask for our security before we left the state. Months laterthe company that owned the apartment sold the complex and we were somehow charged with owing them more than our monthly rent. We found out about the debt while being denied an apartment. I did all I could to resolve the matter. We contacted XXXX and they said they had no record of us owing anything. We contacted the creditor that owns the debt, ncc business services, and they told us they could n't help us, so we disputed the claims on all XXXX credit bureaus. We have been able to get the debt off our other credit reports but transunion " will not '' remove this inaccurate data from our reports. This has caused us to lose future housing and get higher interest rates by lowering our credit scores. Now we 're out even more than a lost security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding Equifax. On XX/XX/XXXX, I submitted a complaint here through the CFPB regarding a few inaccuracies on my consumer report. I attached actual proof of these inaccuracies in that complaint. I also provided proof of my identity, address, and statement verifying who I am. Equifax response to my complaint which I have attached here completely shows they did not even look into my complaint. They asked me to send to them the accounts which I sent an actual copy of the inaccurate information furnished from my consumer report I obtained from them off annualcreditreport.com. They also asked for proof of identity and address which again I attached in my complaint as well. They asked that I sent this information in to their address however federal law allows me to dispute through the communication channel that I prefer. Equifax has violated my federal protected rights. See counts below : Equifax failure to provide me with a reasonable investigation is a violation of my federal rights pursuant to 15 USC 1681ia Equifax failure to reasonably investigate my dispute shows Equifax is willfully reporting innacurate information on my consumer report pursuant to 15 USC 1681n.

Equifax failure to provide proof of investigation shows they are negligently reporting information on my consumer report pursuant to 15 USC 1681o.
Product: Debt collection

Amsher Collection Serv XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX continues to add a fraudulent account to my credit report destroying my credit rating. I have student loans that are I deferment but my revolving credit is excellent. All my credit cards have been paid 100 % on time. I have disputed this and won three times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It has been added to my credit a fourth time. I have no knowledge of this account. The company can not provide any signed documentation nor confirmed identity that I created this account. I have no idea where this account t came from and I have not seen any documentation supporting their claim this is me because they do not have any. I want to file a complaint on all three credit bureaus as well XXXX, XXXX and XXXX this be removed and not be allowed to unfairly negatively impact my credit score for years and it does not belong to me. I have 60 months of on time credit payments but yet my credit score is under 600 how is that possible. I havent been late on a credit card in five years, I pay my bills when I am able.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose Please adhere immediately and remove from all credit bureaus or anywhere else. 

Award me {$20000.00} for my inconvenience. They are to never use my information for anything ever in life