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

I contacted chase on XX/XX/15 after I tried to use my card to make a purchase and my card declined. When I called chase to check my balance or see if their system was down I was told my account was closed and to contact customer services. When I contacted customer service I was on the phone with them for 4 hours with no information given. I was first told that both my accounts were closed and it was a final decision and she couldnt explain so she would transfer me. After holding for over an hour a man came on the phone and told me my account is still open and active with no restrictions but my debit card is closed. I asked him why I wasnt given any notifications via email or text which is my preferred contact method nor was I mailed anything. He said he did not know any wasnt in charge of that and he also didnt know why my account was closed he then told me he would transfer to someone who could answer my questions. I was transferred to another lady who told me both my accounts were closed and it was a final decision and cant be reversed she also stated she didnt know why I wasnt notified and still havent been notified of this decision but my account will be closing in 10 days. She also said she didnt know why they had been giving me the run around because my account clearly says in red to contact online services. No one has yet to reach out to me notifying me my account will be closed and why that decision was made.
Product: Debt collection

This debt have been on my credit since I moved to GA. I dont owe this company. Its ruining me getting a place to live because its showing up as an evictions. The company calling and charging me I dont own any debt too at all. Legally how could I get this off my report?
Product: Credit reporting or other personal consumer reports

After sending letters for months and months, Experian did not accurately investigate the negative items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3. XXXX, Equifax and XXXX assumed this role without permission not only that I never did give my consent. XXXX, Equifax and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. XXXX, Equifax and XXXX did not exercise grave responsibility, XXXX, Equifax and XXXX were unfair, XXXX, Equifax and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX, Equifax and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed XXXX, Equifax and XXXX to furnish this report and I never consented to this report in the first place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion XXXX XXXX and XXXX have violated my rights as a consumer under FCRA 15 U.S.C. 1681e ( b ) " ( b ) Prompt reinvestigation of disputed information. After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In essence, 15 U.S.C. 1681e ( b ) requires the following : When a consumer disputes the accuracy or completeness of information on their credit report, the consumer reporting agency ( CRA ) must conduct a prompt reinvestigation. 
The CRA must complete this reinvestigation within 30 days from the date it receives the dispute notice from the consumer or reseller. 
The CRA must determine whether the disputed information is accurate and must update the consumer 's file with the current status of the disputed information. If the information is found to be inaccurate, it should be deleted. 

If the CRA can not verify the accuracy of the disputed information during the 30-day period, it may be required to remove the item from the consumer 's credit file. 

Please see attached copy of reporting errors still on my credit report there are multiple violations and I demand this account to be deleted from my credit report. 
Listed below are the inaccurate information. 
1. Full account number not provided.

2. Account status different across all 3 agencies.

3.High Credit -incorrect 4.Date Opened -incorrect 5.Date of last activity -incorrect 6. Last Reported date-different across all 3 agencies.

7.Comments-different across all 3 agencies.

8. Account status I demand this account to be deleted or face legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : Synchrony Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my XXXX credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX # XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

subject : Urgent Complaint Regarding Unresolved Billing and Payment Dispute for TXXXX XXXX XXXX Dear Recipient, I am writing to formally file a complaint regarding the unresolved billing and payment issues with my XXXX XXXX XXXX XXXX from XXXX XXXX, made in XXXX. At the time of purchase, I had a great credit score and followed the advice of a XXXX XXXX customer service representative to set up automatic monthly payments in order to pay off the balance within the XXXX promotional period and avoid deferred interest charges. 

After receiving my bill, I promptly set up the automatic payments, believing I was adhering to the agreement. However, after XXXX months, I received a notice indicating that my balance had increased. While I was expecting to have approximately {$900.00} remaining, I was shocked to learn that I still owed over {$3900.00}. I immediately contacted customer service, but despite my efforts to resolve the issue, the representative was unhelpful and unwilling to find a fair resolution. 

As a result, this bill has now been sent to collections, and I am facing significant personal and professional consequences. I am currently serving in the XXXX XXXX as a XXXX XXXX XXXX and I have been notified that my position may be in jeopardy if this credit issue is not resolved promptly. Given my limited pay and existing financial obligations, this situation is placing an enormous strain on my ability to secure my position in the military. 

I respectfully request that your office investigate this matter and help facilitate a resolution. I am seeking a correction of my account balance to reflect the original terms I was promised, and assistance in ensuring that this issue does not further affect my military career and financial stability. 

Thank you for your attention to this matter. I am in urgent need of assistance, and I look forward to your prompt response and support in resolving this issue. 

Sincerely, XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened an account with Ameris Bank on XX/XX/XXXX.I live less then XXXX mins from the XXXX XXXX Location . While trying to make a purchase I realized my Debit Card constantly declining.I was unable to check my balance at the Ameris ATM. Forcing me to use out of network ATMs. This caused me to receive several XXXX dollar ATM fees.I went home XX/XX/XXXX to sign up for Business Online Banking to access my accounts via app 24/7. I was told to go to the website on my computer and sign up. I was told I would receive a Business ID within 24-48 hrs. I waited until XX/XX/XXXX to go back to the back to find out why i did not receive a Business ID. A teller at the XXXX XXXX Location walked me through the process and many pleas.I began to constantly visit the bank to resolve both issues.I just received access to my account XX/XX/XXXX. When I reviewed my account I realized i was charged five XXXX dollar overdraft fees and the funds were miss managed because I was unable to see my account and make transfers. I reached out to XXXX XXXX ( Branch Manager ) XXXX Location. She Refunded one fee.Then proceed to attempt to blame me for the overdrafts and ATM Fees and would not address me being unable to access Online Baking or The Network ATM. She said she would escalate the issues and contact me within 24hr. Her resolution was to Offer to close my account even thought I expressed multiple times that I would very much like to keep me account open. She said that I would not be issued anymore credits. I called the call center and spoke to XXXX XXXX she was very rude and unhelpful, She transfer me to XXXX XXXX who was also rude and unhelpful. Who then placed me on a 2 hr hold after promising to transfer me to XXXX for the incident report number or this complaint.XXXX XXXX ( Retail Area Manager XXXX XXXX ( Branch Manager ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

HI Team, I have made international money transfer through transfer wise ( Membership number : XXXX. I transfer money from my overseas account of amount {$5000.00} on XXXX ( Reference enclosed ) and ask them send it to my XXXX account for family maintenance. But they rejected the payment and suspended my account and confirmed me to refund it to origin bank from where funds were received. 

Since then i am waiting for my funds into my bank account till now i wont received it and if i try to mail customer care they said payment already transferred it on XXXX but i dint received it in my account till date. And Customer Care people giving different answers when i try to mail multiple times. i am literally worried about my hard eared money i had lot of expense to paid off. could you please help me in this regard. 

Mail id : XXXX XXXX
Product: Credit card

I spent {$63.00} at XXXX XXXX by XXXX in XXXX XXXX which is a XXXX XXXX  property. This amount is supposed to count towards the Amex Offer I enrolled which is " Get a one-time {$100.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} USD in one or more purchases on room rate and room charges at participating XXXX XXXX properties in the U.S. and U.S. territories , the XXXX, XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. See terms. '' Combined with other expenses at XXXX, I would be qualified for that {$100.00} credit as stated in the offer. However, the digital team at American Express told me this transaction is not eligible. Even though XXXX XXXX by XXXX is not excluded in the terms and conditions of that offer, they still told me that it is not eligible. This is deceiving and not right. The terms and conditions does not say " excludes but not limited to '' or " ..., etc. '' My transaction has met the condition, is not excluded according to the terms, but I still didn't receive the credit. 

" Your enrollment of an eligible American Express Card for this offer extends only to that Card. Offer valid only on room rate and room charges at participating XXXX XXXX properties in the U.S. and U.S. territories, the XXXX, XXXX and XXXX. Reservations must be made online at XXXX, via the XXXX XXXX XXXX or by calling XXXX. Excludes The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX by XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX  by XXXX XXXX XXXX and XXXX. XXXX I have pulled up the XXXX XXXX that shows city express part of it and shared a screenshot below. 

XXXX XXXX XXXXXXXX? XXXXXXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Amex sent a letter after I filed a complaint stating that although the aforementioned hotel " is a part of XXXX XXXX affiliate to XXXX XXXX, you may not receive the statement credit if we XXXXeceive inaccurate or are otherwise unable to identify your purchase as qualifying for the offer ''. However, when I reached out to Amex customer service on XX/XX/XXXX or XX/XX/XXXX, the customer representative was able to verify the aforementioned hotel after checking the hotel 's website and told that she will send this information to the team and this {$63.00} will be counted towards the offer. If your customer support has said so, that means you were aware of this information and even if the original information was not accurate, the customer representative was able to verify it and provide the rest of team of the accurate information. If you ( Amex ) deliberately tried to ignore the correct information provided to you by the offer expiration date, you were at fault then. I would like to claim the {$100.00} was supposed to get or equivalent reward points as compensation for this matter.
Product: Credit card

Kindly see attached documents for the late payment remarks that should not be showing at all!
Product: Checking or savings account

I opened a checking account with U.S. Bank on XX/XX/year>. At the time of account opening, the bank clearly advertised a promotional offer of up to {$450.00}, to be disbursed within XXXX days after completing the required steps. 

I completed all the required steps by the last week of XXXX, as confirmed by a U.S. Bank representative during a phone inquiry. However, the promised bonus has not been credited to my account. 

The bank 's promotional materials explicitly stated the timeline for the bonus twice : XXXX ) Frequently Asked Questions : " Your statement will show your checking bonus as an adjusted interest credit within XXXX days after you have completed required activities. Your account must be open and have a positive balance. '' XXXX ) Disclosures : " Your checking bonus ( 'adjusted interest ' ) will be credited to your new checking account within XXXX days following the completion of all the offer requirements. '' ( Here is the sign-up link on the U.S. Bank XXXXXXXX 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  ) I am requesting that U.S. Bank honor its original commitment and immediately credit my account with the promised bonus. 

Thank you for addressing this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I desire to have these inquires removed from my trans union. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Their customer service did not help and take care of removing negative inquires on my credit report.
Product: Vehicle loan or lease

I have been getting surprise late fee charges from Ally Financial. When I called to get an explanation for the late charges I was told to " look it up yourself '' by the representative. I was asked do I need to get an attorney to find out why I was charges late fees. Soon thereafter I got a letter from Ally goading me to get an attorney to find out why I was charged late fees. 

As of this time Ally has closed my account and removed my access to my monthly payment records. Not only does this deny me access to payment records to independently verify payment information but I no longer have access to my tax records or the ability to make payments. Please demand these records by made available to me. 

We have received Ally records which indicate that at least one late charge should not have been made, So I have at least one incorrect late charge but in order to fix it I have to pay hundreds of dollars to correct it. 

Furthermore I have not received my billing statement for XX/XX/XXXX that shows how much is due and how my XX/XX/XXXX payment was applied. 

Please demand the restoration of my online access to monthly records, demand a complete record of how and when late payments occurred. The shutting down of web access to my monthly statements is just a cover up for the fraudulent late fees being charged by the bank.
Product: Credit card

On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Although the initial delivery expectation was a week later, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly anticipating its arrival, I remained at home throughout the day. However, upon checking my XXXX account, I was surprised to find a notification claiming the drone had been delivered. 
Despite thorough search efforts, the package was nowhere to be found at my front door. Upon contacting XXXX, they advised waiting for a potential delayed delivery or filing a police report if the package failed to arrive. Consequently, on the same day, XX/XX/2023, I lodged a police report due to non-receipt of the package. 
XXXX assured an investigation upon escalating the matter to their back office. Nevertheless, the subsequent day, I received an email declining a refund or replacement, asserting the delivery had taken place, supported by a purported picture. Expressing my frustration and emphasizing the non-receipt of the package, I initiated a dispute with my credit card company. All correspondences with XXXX and the police report were promptly submitted to support my claim. 
Unfortunately, despite providing comprehensive evidence, the credit card dispute was regrettably denied by Wells Fargo. I included detailed evidence encompassing my exchanges with XXXX and the police report number. This situation is particularly disappointing considering my consistent successful purchases with XXXX, except for this instance on XX/XX/XXXX. 
Moreover, on XX/XX/XXXX, I made another purchase from XXXX, wherein the courier contacted me and obtained a signature before releasing the package. Attached is a copy of my online purchase history with XXXX for your reference. My concern solely pertains to the undelivered order on XX/XX/XXXX.
Product: Mortgage

The nature of the compliant and/or Problem : XXXX XXXX of Guild Mortgage conducted a bait and switched on the client : XXXX XXXX for financial gain. As per Ms. XXXX, she was informed by Ms. XXXX that she was Pre-Approved for a FHA loan for her condo purchase. The client had $ XXXX for down payment, yet she was stirred into a Hard Money short term investor loan. The clients understanding at that time about this tactic and hard money loans was nonexistent. If the client was provided all of her viable options at that time, this situation could of have been avoided. 

The supporting documentation is for visual illustration and review. The client is seeking action against all parties listed. The client has a scheduled foreclosure sales date of XX/XX/XXXX. The client would like to see the foreclosure postponed, delayed and investigated. The client would like to conference with you regarding this matter if required. 

Application date : XX/XX/XXXX Mortgage Amount : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit
Product: Credit card

On XX/XX/XXXX - Wells Fargo refused my request to charge back a bogus charge by a financial company for {$7000.00} for BUSINESS CAPITAL -- Not Credit Cards. The company advertised up to {$150000.00} in Business Capital for that XXXX fee. On XX/XX/XXXX which was the first day that the financial company starting the process, I recognized they were simply applying for credit cards using my credit score and personal information -- I told them on the spot -- this is not what you advertised nor is this Business Capital -- it's creditr cards! They said they work with companies that can get capital off of the credit cards -- I said oh noooo, I need capital not credit cards. We go back and forth and the company wants to haggle over why credit cards is better or the same as capital -- I cancel this order over the phone and in writing. I then call Wells Fargo to dispute this 1 day old charge and Wells Fargo tells me no!!!!! They say I need to file a police report about this matter! I tell them, that's absurd. I have the right to deny a charge -- especially within 24 hours for sure. 
It's not like I have received anything tangible. Surely no capital in 24 hours. Wells Fargo tells me too bad so sad. Since this initial XXXX interaction with Wells Fargo, they have ( Wells Fargo ) maliciously taken money over {$5000.00} out of my accounts and and sent it to another entity -- on there own. Charged my Wells Fargo Credit Card {$7000.00} and threatened to ruin my credit profile and FICO score with the 3 Credit Bureaus. 

This is beyond outrageous! Wells Fargo needs to be put out of business. How many outrageous, harmful, destructive violations does Wells Fargo get to commit against consumers before they are put out of business -- not just fined and change executives. 

From the Housing Scandal ( under XXXX XXXX ) to a litany of other violations, why does Wells Fargo get to just pay a fine and shuffle the executive chairs and continue on with predatory malicious vicious unethical business practices? Close Wells Fargo down and sell off the assets to other banks -- do not let the simply pay a fine and change executives ; their culture stays the same no matter who is top dog. 

Please CFPB, stop Wells Fargo on this matter and 100s of thousands of others. They are the same wolf no matter how they change executives or even their business name. 

Wells Fargo must be closed down just XXXX XXXX XXXX in XXXX under XXXX XXXX, Break Wells Fargo up and sell off the parts and assets.