23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with equifax to fix these issues since I was part of their data breach a couple of years ago. 

I've filed a dispute with them they wait a few weeks say it's complete, send me a pdf credit report showing the negative item that is not mine is removed. Yet online they are still reporting it and it is affecting my score. 

This is my last attempt before I move to go to the court for sanctions against equifax for violating our settlement agreement
Product: Bank account or service

I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. I had the HSA account with them. HSA account was maintained by : HSA BankXXXXXXXX, WI XXXXXXXXCustomer ServiceEnglish : ( XXXX ) XXXXXXXXIt was never told to me by XXXX or XXXX ( website via which we hold the hsa account and do various transactions ) and by this HSA bank itself that they are such a high maintenance bank. When i left XXXX - i contacted them ... they told me if i keep the account with them-they will be charging me {$6.00} per month ... I had a healthy balance of more than {$3000.00} always with them so obviously they were making money ... and they pay worst of the interest rates ... if somebody goes to investing ... .they will charge heavily for that ... .finally when transferred the money out of from them into my new HSA account - they charged me {$25.00} for that ... i asked why you are charging me {$25.00} ... they said that they have a lot of maintenance things to do ... .etc ... when i asked who is governing body ... they said OCC ... so i do n't whether it is OCC or CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my account and multiple attempts to dispute with XXXX  global lending continues to report inaccurate inquiries on the credit file
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Apartment Lease and Collection Account To whom it may concern : I am writing to dispute a fraudulent account reported by XXXX XXXX XXXX XXXX XXXX on my XXXX and TransUnion credit reports. This account is related to an apartment lease at XXXX at XXXX XXXX XXXX, which I never signed, authorized, or rented. 

I have always lived in XXXX XXXX XXXX and currently own a home in XXXX XXXX, CA. I have never had any relationship with this apartment complex or its associated entities. 

This fraudulent activity is a result of identity theft, which has compromised my personal and credit information. Additionally, my personal data may have been exposed in the XXXX data breach and the XXXX XXXX XXXX XXXX XXXX breach, making me a victim of potential misuse of my sensitive information. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you investigate this matter thoroughly and remove this inaccurate information from my credit reports. To support my dispute, I am providing : A copy of my FTC Identity Theft Affidavit A copy of the police report related to this identity theft Copies of my government-issued ID and Social Security card Please investigate this matter promptly and confirm the removal of the fraudulent account. I expect written confirmation of your findings and updated credit reports reflecting the correction. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I order my free credit report XX/XX/XXXX received in the mail. I can not dispute any thing on line or call and the wait is over 3 hours to speak to someone. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to dispute incorrect information on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Trans Union : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX M XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( Equifax, XXXX and XXXX ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from Equifax, XXXX or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19. 

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.
Product: Debt collection

Received a suspicious court notice that I've been served by A-1 collections company and XXXX XXXX XXXX system without any prior communications on XX/XX/year>. A-1 collections hasn't communicated in any way to help rectify this situation.
Product: Money transfer, virtual currency, or money service

I made a wire transfer to Coinbase in the amount of {$6000.00} on XX/XX/2017 from my business account. However, because the name on my Coinbase account did not match my business account the wire was supposed to be reversed. I received emails from Coinbase stating that my wire would be reversed. To this day I still have not received my money back. I have called and emailed several times with absolutely no help, not even one response from them besides automated email responses. I provided them with dates and the wire transfer transaction number. I saved all their emails and all my email attempts to get some support. My Coinbase case number is XXXX.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX XXXX XXXX, the collection agency handling this account, closed it and returned it to XXXX as the original creditor. XXXX XXXX also submitted a deletion request to the credit reporting agencies, including Equifax. Despite this request, the account remains inaccurately listed as open on my Equifax credit report. I pulled my report on XX/XX/17 which is what lead to this. This is unlawful, and so I've attached a Pre-Arbitration letter as a means to settle this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed on a pup adoption website ( XXXX ) for a good amount of money. The money transfer was done through XXXX and the day of the purchase ( XXXX ) I found it was a scam and submitted a report to my bank ( Navy Federal ) with emails of the transactions that had occurred immediately. After emailing and calling the other party for the rest of the day with no response the bank was not able to get my money back through my fraud claim. I have tried requesting the money back through XXXX and everything else but I still have not gotten my money back and my bank refuses to help.
Product: Debt collection

On XX/XX/, I was served court papers of a civil suit claim from AXION AQUISTITION VENTURES LLC to sue me for a debt of {$13000.00}. The debt was purchased from the original creditor XXXX XXXX XXXX XXXX. However, the debt was assigned to a Senior Loss Mitigation Analyst due to insolvency. Once documentation was provided of my Insolvency the ordinal creditor never denied or granted the hardship request. They stopped contact and written the debt off. This is the first instance or knowledge that the debt had been sold.
Product: Checking or savings account

I returned XXXX items to XXXX on the same day. XXXX item has yet to be refunded, and XXXX tried to say that they have not received the returned item. The lady at XXXX XXXX scanned all three items ' barcodes and said my return was processed. 

I reached out to file a dispute with Wells Fargo ; their claims team did not do their job, and they issued a partial refund of the {$110.00} that was owed back to me. Wells Fargo claims I received a partial refund of {$34.00}, which is wrong. The {$34.00} was XXXX of XXXX refunds processed on the same day. 

There was a second refund processed on the same day for a smaller amount of {$19.00} ; the refunds occurred on XX/XX/2023. These are for XXXX other items that were returned. 

Since it has reached this level of importance where the employees in the claims department have not done their job. I would advise the federal government to investigate Wells Fargo further since they have a known history of violating customers rights and have been fined billions of dollars. 

Why did the claims staff make their own decision to use the higher credit amount as a partial refund, why did they not select the smaller amount that seems intentionally done to allow Wells Fargo to save money and not utilize their loan loss reserves in place for fraud claims. 

How many other customers has this happened too. Why didnt claims associate not add both credits together and try to say that they were both partial credits. The entire process and situation does not make sense. Im retired from banking and know better when it comes to compliance and regulatory oversight. 

The agent I spoke to in claims right after the partial credit was issued on my claim did not want to help me and had an attitude that showed he cared zero about providing customer service. 

Nothing in this entire situation makes sense. All employees and supervisors need to be disciplined and coached and have all their calls pulled and audited to verify they are doing their job. If they could mess up on a simple claim like this how many other Wells Fargo clients have been affected and impacted by this for of employee negligence and work avoidance. 

I was told by a supervisor on XX/XX/2023 the date that I made the followup call that I could send additional proof to the email address XXXX and I did I sent all my transaction history with XXXX both purchase and credits to prove that I was still owed money. 

Wells Fargo needs to be audited and fined and they need to reimburse customers for their time taken out of their life to spend on the phone and sending extra emails above and beyond the standard process. 

This is the first time Ive had such a horrible experience with Wells Fargo and I wont forget it anytime soon. 

A new executive escalation has been issued but a regulatory agency must be informed of this negligent practice. Case # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a solar loan from Dividend Financial, a division of Fifth Third Bank. On XX/XX/XXXX, I contacted Dividend Financial to make my Incentive Investment Payment of {$20000.00} to maintain my monthly payment of XXXX. However, I was charged {$22000.00} to keep my payment at the current amount. That was an additional {$2100.00} charge. Below is what my loan document stated. 

Amount of Payments ( assuming Full IIP Payment is made ) Pre-Incentive Monthly Payments {$420.00} beginning XX/XX/XXXX Incentive Investment Payment {$20000.00} paid on or before XX/XX/XXXX Post-Incentive Monthly Payments {$420.00} As part of your signed loan agreement, you are encouraged to make the Incentive Investment payment {$20000.00} by XX/XX/XXXX in order to keep your monthly payments low. This amount is based on the federal Residential Renewable Energy Tax Credit ( RRETC )
Product: Credit reporting or other personal consumer reports

I paid my car finance off with Ally Financial for the amount of XXXX on XXXX XXXX. Ally Financial sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, XXXX, and XXXX its reporting that I still owe Ally financial an amount of XXXX. Ive contacted Ally Financial they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Product: Money transfer, virtual currency, or money service

PNC will not allow XXXX connection
Product: Credit card

On XX/XX/year> I received a email from chase bank state that on XXXX of my business credit cards they were reducing my spending limits from XXXX & XXXX down to XXXX Because they said I had derogatory items reported on my personal credit such as judgement, collections, tax liens. 

However I DO NOT have anything reporting negatively on my credit.. NO collections, no judgements, no liens, etc. 

This was false, bias & made up! 

This affected my business livelihood for a few months because I was down recovering from a XXXX and I depended on my business cards to keep thing afloat until I was back working. 

This was disappointing because Ive never been late, never missed a payment, & have been a Chase customer over 10 years. 

I will attach my credit report and letter from chase
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : Unverified account Also, please remove all non-account holding
Product: Checking or savings account

I have tried my best to fit my multiple problems into one listed category but it isn't really very exact.

I buy a large number of items online. Because of this I have had problems over the years with being defrauded. Sometimes I will never get products. Sometimes I get products that are very different or damaged. Capital one has a XXXX fraud liability policy that they are supposed to refund money in these cases. At first they were very good about it. After a while, they stopped refunding most of my money. They went from refunding it within XXXX days without giving any more info that what they took in the first interview process, to taking months. They also started asking for more and more information in order to process the case. Id give them all the info they asked for. Then theyd wait months before theyd ask for more, wait more months, then ask for even more! We Sometimes they claim that they never got my response which I sent and then closed my case. Sometimes they ask for ridiculous things that were impossible to provide and when I provided proof of fraud, it wasnt enough because I didnt jump through the crazy hoops. They were clearly trying to avoid paying me back for the fraud. It got so bad that I finally told them that if they didnt honor their policy, I was going to report them. Their response was to close my account and refuse to honor our agreements. This created great difficulty for me because several things that I had put in place to pay I was unable to. I was also unable to pay rent because that was the only bank account I had with checks. I need your help holding Capital One accountable. 

I first started by filing with the Better Business Bureau. I heard nothing back from Capital One but they responded with further closing my three credit cards that have been in good standing for over XXXX years. This hurts my credit score by lowering my credit, they were closed unfairly with prejudice and discrimination, simply because I filed a complaint. It is my legal right to be able to do so, without having this kind of retaliation from them. 

These are the amounts I asked them to refund on various cases their agreements says they cover, and have covered in the past. 

{$170.00} dispute on merchandise not received {$64.00} dispute on double charge {$13.00} dispute on merchandise unusable/bad {$10.00} bonus redeemed but never given through advertisement link {$18.00} sent different merchandise unwanted and of much lesser value/not as described {$8.00} merchandise not received Total : {$280.00}
Product: Credit reporting or other personal consumer reports

I see someone attempted to fraud a bank of america account under my name. I tried opening an account and they have been denied and i was sent a report that had account i was unaware of. Ive been notified that my information was part of a data leak i'm not sure if thats how accounts were used in my name. I would like to fix this issue on why i'm not allowed to open a new account.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B
Product: Checking or savings account

I am writing you to express my concern about the closure of my checking account and my name put in the XXXX XXXX XXXX. On XX/XX/XXXX, I contacted your customer service department to make arrangements to bring the account current. I spoke with one of your representatives and explained that I can make a deposit on XX/XX/XXXX which is my payday. The representative was agreeable and told me that I can make the payment on XX/XX/XXXX. On XX/XX/XXXX I checked that account to see how much I would need to deposit and discovered that the account had been closed. I then immediately contact Wells Fargo customer service department and spoke with a representative named XXXX. I explained to XXXX what had transpired and she checked the account and acknowledged that the account had been closed. I then explained to her that I had made arrangements to make a deposit on the XX/XX/XXXX. She checked and said that a statement had been put into my account stating that she had given me until XX/XX/XXXX to bring account current. Then I asked XXXX, why was the account closed, she stated that accounts automatically close after 60 days, which my response was, Why did the previous customer representative agreed to let me make my account current on XX/XX/XXXX. She was unable to give me an answer. I requested to speak with someone in the executive office, she then transferred me to someone named XXXX or XXXX whom stated he was a representative of the executive office. I explained to XXXX XXXX the situation and right off the bag he began to state that all accounts are closed within the 60 day period. I went on to ask hem had he reviewed my account, he stated not yet. I then asked him how you can be judgmental about this account until you do a thorough review. I also explained that I was given until theXX/XX/XXXX to bring account current. He stated the representative must have made a mistake. I then asked him why I should be penalized because of a mistake your representative. He was unable to answer that question. I found XXXX XXXX XXXX to be cold and uncaring about customers. I then told him all I want to do is pay the overdraft and not have my name put in XXXX XXXX XXXX. He then replied we report all accounts that are closed. At this point I decided I was hitting my head against a wall. XXXX XXXX stated he will investigate and call me back. I was not available for the next several days due to I was on travel. I returned today and did have a message from XXXX XXXX stating that he called, but didnt leave a resolution. I am writing this letter to you with an attached a courtesy copy of a summons that I will file to protect myself from being unjustly put in to a checking system XXXX XXXX XXXX after arrangements was made with a Wells Fargo representative to allow me to make my account current on XX/XX/XXXX. I dont want to reopen an account with your bank. I just want to pay the overdrawn amount and not have my name put in the XXXX XXXX XXXX. I will be looking forward to your response.
Product: Credit card or prepaid card

Citi Bank received and approved a fraudulent credit card application from someone using my identification information. It resulted in a new account being opened. I called Citi and reported the fraud. Citi cancelled the card and opened an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00}