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

Dear XXXX XXXX I am not a minister or a movie star, I am just an ordinary person who wants to tell you something. My apologies but this ain't going to be the best sounding email. 

There are many ways a bank makes its money. One of those ways is to invest the money deposited by its customers. But forcefully taking money from people against their will and placing an extended hold on it, in order to make money for your bank is unethical and unlawful. 

My checking account was not fully opened because I did not present myself with my photo ID in a branch. Approximately 15 minutes after putting in the online application, I called and asked Wells Fargo to cancel my checking account as I was not in a position to visit a branch at the time. 

Then why did you pull in {$500.00} from my external bank account and put a hold on it? If my account is not fully opened because of no photo ID, if I am not going to get online access because of lack of photo ID, why did you pull in {$500.00} from my external bank account? Approximately 15 minutes after putting in the online application, I asked Wells Fargo to close out my account as I was not in a position to visit a branch at the time, then why did you pull in the {$500.00} from my external bank account? Being fully aware that I have not presented my photo ID in a branch, being fully aware that I have expressly asked Wells Fargo to close out my checking account application, being fully aware that any money transfered to a closed account would have no place to stay, why did you pull in {$500.00} from my external bank account? 

This was an unethical deliberate attempt by Wells Fargo to forcefully access my money and then putting a hold on that amount for an extended period of time. This was an unethical deliberate attempt by Wells Fargo to give me a hard time because I chose to close out my checking account application. This was a deliberate attempt by Wells Fargo to forcefully pull in the {$500.00} and place a hold on it in order to put that money into its own investment. 


There is a difference between you and me. You are rich and I am poor. There is also another difference - I am not money hungry but you are. My apologies, but I guess even XXXX  are more ethical than Wells Fargo. Atleast prostitutes are straightforward they are selling their own skin to make a living, unlike Wells Fargo who forcefully take out other people 's money and place a hold on it to generate investment profit for your bank. 

The difference between you and me is - Few years ago when I had an account with Wells Fargo, a supervisor from your call centre provided me with misleading info on the phone. Later, a senior officer from Wells Fargo called me and offered me XXXX dollars for the inconvenience and misinformation. I refused to accept that money and told that supervisor that I do not accept free money like that. 

I can be poor but unlike you I have some ethics and values. Looks like you need that {$500.00} more than me. You could be the CEO " on paper '' but what you did with that {$500.00} is not a representation of a CEO, it is only a representation of a cheap penniless peon.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I have a direct Express card which had my Social Security benefits on it and I lost my wallet with the card in it. Fraudulent purchases were made after I reported the loss to the police and I began the fraud investigation process with them inXX/XX/XXXX. I filled out and returned the paperwork via fax on XX/XX/XXXX, and again on XX/XX/XXXX. No one ever responded to me and I had to sit on hold for hours literally to talk to a real person. Once I got a real person but he put me on hold and the call was disconnected. I have followed up via fax in XXXX and XXXX of this year and again received no response. I reported Direct Express to the XXXX  and they told me that because Direct Express is affiliated with a government agency, they could not help me. I have made it this far without my money but I want justice. They are taking people 's money and there is no easy way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my consumer report that I don't recognize : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX IN, XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA, XXXX
Product: Checking or savings account

Bank closed my account after I received a deposit for loan. They said they wont release funds to me or send them back to lender.
Product: Debt collection

I received a letter from the collection agency back in XX/XX/XXXX stating that I owe {$900.00} plus interest to an XXXX for a procedure that was done in XX/XX/XXXX in XXXX XXXX XXXX. I havent done any procedure in XXXX! I contacted the collection agency and explained that this doesnt belong to me and asked for a backup documents. They sent me a screenshot of something that doesnt even indicated any proper information as when and why this procedure was done. They verbally told me that It was done in the XXXX XXXX. I contacted the XXXX XXXX XXXX and spoke to every department possible and they have no record of me as they shouldnt because I was never been there before. I called the collection agency back and explained but they refused to listen. I had a perfect credit of XXXX that I worked really hard over the years to achieve and because of this untrue charge my credit went down to XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit card

After having zero late and/or failed payments for over decade with this store card, I received a letter in the mail from Target ( TD Bank ) stating that they are about to send my debt to a collection agency. Alarmed by the letter, I immediately logged onto the website and made a full payoff payment as I have done whenever a payment is due. It took only minutes to confirm that my requested auto pay was not put into place as requested the month before. I called Target card customer service directly and they advised there was an error in putting the auto pay in place and they will waive the late charge as a result. Without even initially asking, they brought up they could not stop or correct the 30 days late on my credit but only was going to help me set up the auto pay again. The call resulted in no help for what was clearly even more alarming than I realized prior. I pulled my credit and found the same for XX/XX/year>2023, so I emailed an escalation to the creditor only to receive a response that they were sorry I didn't get the email stating that they hadn't received the payment. I looked and found no such email received at the time. Now I am left with an apology, late charge credit for the issue and an unwarranted 30-day mark on my credit report for the next 7 years. I tried to address this with the creditor over the course of several months with the same result. I feel I was put into a false since of security at the time that has since been acknowledged by the creditor, but that I must deal with it for the years to come. I have always paid my bills and it was with auto pay I thought it would ensure the trend would continue. The creditor has left me with the only late payment on my credit for what has always been a 100 % payment history for all my creditors. Looking at message boards, it seems that Target card holders have faced the same for years. Given the feedback received from Target to date, it is my belief they failed to address the issues related to the FCRA ( and other related federal legislations ) and didn't act in good faith to protect against negligence towards the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXXXXXX XXXXXXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXXXXXX XXXX  {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX {$1000.00}
Product: Credit card

Amex showed an introductory of 0 % APR for 12 months, from the account activation date. When I received my card, the disclosures did not include the offer. I reached out to Amex, and they advised a specialized team would look into it in the next billing cycle. This is bait and switch. they need to make it right. It was because of this offer is why my wife and I choose this Amex card,.
Product: Money transfer, virtual currency, or money service

I have seen a XXXXXXXX XXXX XXXX car which is XXXXXXXX XXXX  in a XXXX XXXX. So the person lives in XXXX. I live in XXXX XXXX which is XXXX hr a part. So person who selling the car asked for XXXX USD for delivery. So I paid. Later they replied they didn't received. So he said to try XXXX and XXXX. I did. That person said my transaction was received. Again after sometime he said I need pay security deposit of XXXX and he gave other account. I made it. I made all transactions through XXXX transaction of XXXX, XXXX XXXX XXXX. Total - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I called Equifax on 10+ separate occasions to unlock my credit file as my score has not been updated in 2+ years. They asked me to send in a copy of my ID and SSN card so they could unlock my file so I was able to make an online account with Equifax. To date, my problem has been unresolved, my account is still locked and I am still unable to make an Equifax account due to an error code " NH '' when I try to make an account. 

Upon searching XXXX I see that others have had this issue as well and it took them 6+ months to resolve it with Equifax . I want them to unlock my file so that my Equifax score is available, as well as my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}
Product: Checking or savings account

Sirs or Madams : My name is XXXX XXXX and I am the victim of fraud ... once by a scammer, the next by US Bank. On Thursday XX/XX/XXXX I discovered my checking account had been hacked by a scammer. I immediately called US Bank to report the fraud. At the time I had XXXX in my account. The account was now a negative XXXX because of the scam. The fraud department was able to trace where the funds went ( XXXX XXXX ) and even told me who this account holder was, someone named XXXX. US Bank was able to get the XXXX XXXX back but still left my account with a negative XXXX. I immediately went to one of your branches here in XXXX  XXXX and spoke to a banker named XXXX XXXX. I explained to her that I was retired and that my Social Security and pension checks were going to be coming through this account. She assured me that once I opened a new account and that the fraud alert was attached to the old account, they would be able to divert my funds to my new account. This did not happen. In fact, US Bank took my XXXX to pay the negative amount in the old account which still left a negative XXXX in this account. I promptly went back to this branch and spoke to XXXX again who basically told me US Bank will not reverse the funds for 10 days. This is unfair. I did not commit this fraud. The fraud came about because of your US Bank app. This was confirmed by your fraud department. I don't understand if you are federally insured why I am being punished and made to pay for fraud when this bank clearly knows where the funds went, to whom the funds went to, and how it was done. I feel helpless and scared and certainly not protected. I have to keep this account open because XXXX won't change the routing of my check for 4 months. My pension takes 45 days for it to redirect my funds into the new account. I feel US Bank could have made sure I was made whole after the information they were able to obtain while I was on the phone with them. This is outrageous and shows the US Bank does not care about its customers. I want my money placed back into my account and when I can safely move away from this bank I will. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Experian reported two collections from XXXX XXXX XXXX for the amount of {$480.00} and the second one for {$280.00}. I filed a dispute and contacted XXXX XXXX to get some information on the matter. I provided XXXX XXXX with all my information but they couldnt find any accounts under my name or find me in their files. I also explained to them the reason of my call and they told me they would take care of the matter since there was no record at all. XXXX weeks later Experian sent me the dispute results but XXXX XXXX didnt remove the collections. I submitted another dispute, called XXXX XXXX again and did the same process for the second time with the same results. Experian sent the dispute results ( again ) but XXXX XXXX didnt remove the collections for the second time even tho they couldnt find me in their system. Today XXXX the XXXX early in the morning I filed the third dispute as fraud helped over the phone by an Experian representative, called XXXX XXXX for the third time and was told the same answer, ( no accounts in their system ). At the end of the day Experian already contacted with a result and still showing the collections confirming that XXXX XXXX is saying that the information they have is accurate, but when I call them they cant find any accounts under my name. The accounts show no first payment or any payments at all, it only shows the amounts and a day apart. All calls were recorded so itll be easy to collaborate my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/VENMO XX/XX/2021 : I didn't request this inquiry. I called to Synchrony Bank Customer Service and their representative told me he didn't know who to transfer my call. 

SYNCB/VERIZON : I didn't request this inquiry. I already reported this inquiry as a fraud to Verizon, but it still appears on my XXXX XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Experian via certified mail on XX/XX/2022 to initiate further investigation and removal into incorrect information/mis-reportings on my credit report. 


I had previously worked through the reporting institutions as well as a credit repair agency for help with this matter, to no avail ( yet ). 

They are reporting false and inconsistent informational and have given no basis of proof for why or how they are determining this. 

They have neglected to respond with any of my requested information, and are not properly verifying this information. 

Additional Notes : We are disputing a claim from XXXX XXXX put a charge-off on our account without notifying us ( a CfpB complaint was filed ) I will attach : my letter to XXXX my letter to Experian a screen shot of the credit issue on my report so you can see the details and inconsistencies with dates, amounts and information.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX  ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on XXXX occasion- XXXX XXXX XXXX XXXX XXXX explaining to them that the Bankruptcy on my credit report is incorrect. I have submitted proof from XXXX XXXX show the bankruptcy is not on the report as well as a document from the XXXX New York XXXX XXXX stating they do not provided information to the credit bureaus. Experian continues to say they have verified the information from the courts and XXXX. But how is that possible- they are clearing lying and providing me with incorrect information. I am in the process of trying to purchase a home and I will not be able until this is cleared up. Please see attachments
Product: Debt collection

On or about XX/XX/XXXX XXXX XXXX Hospital ( XXXX ) sent me a letter saying that I had been accepted for financial assistance at 100 % for medical debt through them. They had sent my debt to Allied Collections in XXXX ( legal extortion ) in or around XX/XX/XXXX. They tried extorting me for half the year but were unhappy because Im XXXX and therefore extortion proof. They wouldnt even verify the debt for me ( see attached ). 

I notified them of the decision by XXXX and Im sure XXXX did also. In XX/XX/XXXX I noticed they are still reporting the debt and even added more to my XXXX  credit report. Its my opinion they did this because of a letter I sent them telling them what I think of them and that I would file bankruptcy before I paid them. ( See attached ) Because of their failure to do the right thing I and my family have to suffer because of this deliberate act! 
I want this deleted and them fined for it. I want it deleted immediately and I will not accept their blaming XXXX or XXXX  ( not having control over when they delete because I know all they have to do is contact them and have it done.
Product: Credit reporting

EQUIFAX INFORMATION SERVICE LLC XXXX XXXX XXXX, GA.. WWW.EQUIFAX.COM PH # XXXX ON THE DATE OF XXXX/XXXX/2014CONFIRMATION # XXXX STATE THAT SEVERAL ON MY CREDITT REPORT BELONG TO ME. IT IS THEM CREATING A CREDIT REPORT SCORE FRAUD THAT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 90 ) days late on the XXXX COUNTY FCU partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.