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

I was scammed out of almost {$4500.00} out of my Wells Fargo checking account on the evening of XX/XX/year>. I filed six claims : XXXX. {$270.00} XXXX. {$900.00} XXXX. {$500.00} XXXX. {$900.00} XXXX. {$990.00} XXXX. {$880.00} Claims were all denied next day. I called Wells Fargo and everyone there told me there was nothing I could do since I authorized it. 

I filed a police report ( case # XXXX ). 

On XX/XX/XXXX, the XXXX XXXX XXXX published an article titled " Regulators Probing Big Banks ; Handling of XXXX XXXX. '' Here are a couple quotes from the article : " Since last summer, XXXX has required its member banks to reimburse customers for certain disputed transactions even when the victim authorized the payment, such as when scammers impersonate a government official or a customer 's bank. '' When I called WF today and asked to have my call elevated to someone in the claims department, I was told they don't reimburse for authorized transactions even when it's a scam involving someone impersonating Wells Fargo. When I read the above quote, they shrugged it off and said it was just an article. 

I am not a gullible person, usually. I was woken from a nap, while I had covid, by a call from the XXXX Wells Fargo number. I only use Zelle to receive rent from a tenant in that Wells Fargo acount, so that was the hook in my case. The scam was very professional, with multiple people. I was put on hold and transferred. There has to be some accountability. If there's no recourse for victims like me, who's to say it's not Wells Fargo doing to scam their own customers?
Product: Credit card

BEST BUY CASE ID : XXXX Fax : XXXX CITI XXXX  Name : XXXX XXXX XXXX BestBuy Credit card No. ending in XXXX Subject : Disputed amount {$760.00} for the date XXXX Sequence of events : XXXX Placed an order XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for store pick up location XXXX XXXX XXXX XXXX Transaction amount : {$760.00} XXXX Cancelled the order XXXX as the price was reduced. {$760.00} credited back to account. ( There is no price match for XXXX XXXX XXXX ) XXXX Placed new order XXXX for the same XXXX XXXX XXXX. Transaction amount : {$700.00} XXXX Picked up open box laptop from XXXX CA location. Order No. XXXX XXXX 3 days after picking up the order ending in XXXX, I noticed the charge of {$760.00} on my account. So now I have XXXX charges {$700.00} and {$760.00}. I only bought 1 laptop. 

This XXXX charge is not showing on my Best Buy account neither the customer service was able to pull it out I even fax all this information to My Bestbuy Visa credit card but they sided with the vendor showing their ill intent. 

BEST BUY CASE ID : XXXX Fax : XXXX CITI XXXX Name : XXXX XXXX XXXX BestBuy Credit card No. ending in XXXX Subject : Disputed amount {$760.00} dated XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX for Address Update Dear Sir/Madam, I am writing to request an update to my address information on my credit file. Please update my records to reflect my current address as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Employment Status : XXXX If you need any additional information, please do not hesitate to contact me at the address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I received a notice on dated X/XX/17 stating that my wages were going to be garnished due to a defaulted student loan totaling XXXX. This was an order from Windham Professionals , Inc . I called them on X/X/17 and spoke to a very rude gentleman in an attempt to make an agreement for monthly payments. I had no idea who held my loan previous to this encounter as I had searched and called only to be given false information. As I explained this to the gentleman, his response was " TOO BAD and TOO LATE '' and he hung up on me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , ct XXXX email : XXXX XXXX Claim # XXXX : {$150.00} and claim # XXXX : {$4500.00} On XX/XX/XXXX, I led a claim with Bank of America because I discovered that XXXX XXXX have been debiting money from my account since XX/XX/XXXX for unauthorized purchases totaling {$4500.00}. 
I disputed the transactions with Bank of America ( BOA ) and my account was temporarily credited the sum of {$150.00} on XX/XX/XXXX. I made a request for this amount to be removed from my account because it is a temporary credit.Please note, this is a false balance and I am trying to avoid an overdraft fee in the event BOA decide to reverse the temporary credit. 
A few days later, I received another letter dated XX/XX/XXXX informing me that Bank of America had researched my claim. The letter further stated that their records showed the transaction activity was authorized and correctly posted and the case was closed. 
I am very disappointed with that decision and I am disputing your ndings. Since the letter indicated that the charges to XXXX XXXX were authorized and correctly posted, I would like to know who authorized those charges. 
I previously had an XXXX XXXX XXXX account, which I used occasionally to go to and from the grocery stores.I have not used the XXXX XXXX XXXX services for quite some time and I am not sure when I canceled the XXXX XXXX XXXX account.Whenever I use their services in the past, the cost of the ride would show up on my phone for conrmation.I would add a tip, comment on the drivers performance and authorize the payment. 
Since I did not authorize any of these XXXX XXXX delivery transactions and have never used XXXX XXXX   services, I should not be held liable for these charges. I believe I am a victim of fraud and my account has been compromised. 
In the print out requested above, I would like to see the following listed below : State and town these trips occurred. 
Name or names of the restaurants and their locations. 
Date XXXX XXXX account was opened. 
Phone numbers of the accounts registered with XXXX XXXX. 
Reason these charges did not appear on my phone for conrmation and authorization as they did in the past for XXXX XXXX XXXX. 
Whether or not phone numbers on the XXXX XXXX account matches the phone number on my BOA account. 
Please note, I have never requested paperless statements and I did not ask for my paper statements to be canceled. I have not received a bank statement in years and would like to return to monthly paper statements e ; ective immediately. 

Whenever I go the bank for assistance, I generally have to wait a long time or given an appointment to return the next day ; which is very frustrating and time consuming. 
This is a very serious matter that needs to be resolved as soon as possible. Thanks in advance for your prompt attention to this matter. 
Respectfully, XXXX. 


*** I have since received a claim amount for {$150.00} but two denials for the claim in the amount {$4500.00}. 
.
Product: Credit card

I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus Experian, XXXX and XXXX and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Product: Credit reporting

It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX and my brother 's being XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.
Product: Mortgage

Mortgage Facing Foreclosure, Ocwen refused partial payment of XXXX payments when XXXX payments were owed on XXXX. offered to catch up remaining on XXXX XXXX. Husband, lost employment. She refused {$2800.00} Loan # XXXX. I called on XXXX At XXXX. XXXX XXXX XXXX XXXX XXXX.I also told them my husband was a veteran and that I was giving them a chance before I file a complaint, and to record the call and note the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove all late payments from credit report upon payment of the balance of XXXX on a credit card. Payment was sent to XXXX XXXX in XXXX 2021. XXXX XXXX refuses to update records of payments to reflect no late payments.
Product: Credit card or prepaid card

Received a pre-paid USBank ReliaCard. Upon research, it indicated it was state unemployment benefits. I did not apply for this. I went to the usbankreliacard.com website and filled out the form, inquiring why I received it and how to turn it back in. The site indicates we would hear back in 30 days. We have yet to receive any information, so we do not know why I received the card. There are several concerns : why was it sent, did someone apply for it without my knowledge, how do I turn the card and hence the money back in and why have I not heard back about my concerns?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, two years later, a company named EOS CCA opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to EOS on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. One of the executive employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's executive office, they have tried tirelessly to get EOS CCA to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. EOS CCA refuses to comply with them. I have communications with XXXX 's executive office stating such, and I even have an email from XXXX XXXX, EVP of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get EOS CCA to make this right. XXXX XXXX suggested I work directly with both XXXX and XXXX, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and XXXX. Within 24 hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my XXXX dispute, XXXX called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that XXXX 's policy is to only contact the owner of the account, which is EOS, and EOS said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop EOS from inaccurately reporting on my XXXX report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax disputing incorrect information on my credit report. I asked them for a method of verification on several accounts that appear on my credit file. Equifax failed to respond, send any correspondence or investigate my dispute because the errors are still reporting on my credit file. To be specific, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) I requested Equifax send me physical proof of verification. Their lack of professionalism is disrespectful and costing me and my family financial distress. XXXX refuses to respond or delete inaccurate information after given the 30-day period to investigate my disputes. Stalling, hoping that I would stop disputing eventually.
Product: Vehicle loan or lease

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 7DAY RESOLUTION PLEASE DELETE AND REMOVE THE FOLLOWING ITEMS FROM MY CONSUMER REPORT IN THE NEXT 7 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting information it suspects to be inaccurate. I made Equifax aware of conflicting information being furnished by XXXX XXXX XXXX. The evidence I provided Equifax clearly showed a major discrepancy in the amount of debt that is actually owed and the status of the account. I also provided evidence to Equifax showing my attempts to have the debt validated directly with the data furnisher. XXXX did not provide any documentation to validate the debt they are reporting to Equifax and other third parties. Even after making Equifax aware of the fact that the data furnisher is not following the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, Equifax is still willfully reporting the information. <P/>I have attached the credit report provided directly by Equifax to this complaint to display they are in fact still reporting the information, they know has not been validated and have received evidence of inconsistency. <P/>This inaccurate information is hindering my ability to secure necessary financing for a major business acquisition. I am the CEO of an investment conglomerate and my personal credit is being considered for the business loan.
Product: Mortgage

Our mortgage was recently purchased by PHH Mortgage. Our normal payment is XXXX. We set up direct deposit last month giving PHH permission to take out that amount each month for our mortgage payment. This morning the withdrew {$3700.00} without our permission. We spoke to their " customer service '' and they could n't figure out why they would take out this amount. Luckily for us, our bank ( XXXX ) has since disputed the amount and refunded our account. There are a few issues : 1. The scariest being, they were not authorized to take that amount out of our checking account. This is fraud and what I would consider illegal practices. There is no reason this should ever happen. 

2. The fact no one can answer us as to why this was taken out. The only thing we can think of is, they billed us for our whole Escrow account on top of our mortgage. They have only owned our mortgage since XX/XX/XXXX and our escrow account has always been up to date. 

3. The lack of good customer support. We 've been transferred 4 times and they admitted it was their issue and they would need to refund us. The then asked if they could just apply that overage to our next month mortgage payment. Their solution was to do what is easier for them. When we said no way they told us the turn around time to get someone to look at it would be next Wednesday- 6 days from today. Plus that 's to look at the problem, not refund us. This is n't XXXX dollars we 're talking about, it 's {$2000.00}. 

4. Lastly, their best solution was for us to handle it with the bank and have us dispute the charge. Luckily XXXX is great to work with, but that 's an unacceptable answer. We also, per XXXX 's recommendation, have to close our checking account and start a new one since they could still have that information even though we canceled direct deposit We are refinancing just to get away from this company.
Product: Credit reporting or other personal consumer reports

I have made several attempts to update and correct my credit file from Experian, XXXX and XXXX and all attempts have been unsuccessful. The Credit Agencies are simply stalling my attempts for accuracy and not conducting any type of investigation into the concerns that I have raised. I have provided documentation, namely my Drivers License, Social security card and Utility bill along with direct means to contact me. They are constantly and consistently ignored. As a result I am being denied for credit, paying higher interest rates and losing career opportunities. 

I have sent these request in XX/XX/XXXX, received electronic confirmation that the investigation would not be conducted. Ive tried calling in with no success and have allowed over 30 business days for some type of investigation to take place.
Product: Credit reporting or other personal consumer reports

I have requested on multiple occasions for Kikoff Lending to close my account. They have not closed it, but instead reported negatively on credit bureaus. I requested this account be closed because I can not afford it. It's not a loan. You pay them money on a monthly basis and they report positive to credit bureaus. I've tried to close the account on my own and it won't let me log in even after changing my password, but instead tries to make me open a NEW account, then tell me my information is already associated with another account. Customer service told me they could not vetify my account.
Product: Checking or savings account

I don't have a specific date of contact, but when I reached out to Capital One to inquire about rising interest rates after seeing an advertisement for Capital One 's high interest savings accounts, I questioned why the rate on my legacy XXXX XXXX XXXX account was not changing, I received pushback that I would need to close my accounts, reopen a new account with one of their " current '' products, which would change routing and account numbers, impacting direct deposit and payments that originate from this account. 

I felt as if the company was trying to force my hand and close accounts to facilitate their internal metrics or goals for migrating customers to new products. I was told there were " systems reasons '' why a rate change was impossible. Working in the technology space, I know the issue is usually " internal policy driven '' and not " systems. '' Terrible customer experience.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.