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

Subject : XXXX XXXX Wells Fargo XXXX to Address Fraudulent Rental Charge and Dispute Claim Complaint Summary : I am filing a formal complaint against Wells Fargo regarding a fraudulent charge related to XXXXXXXX XXXX XXXX XXXX, which was incorrectly applied to my account. Despite providing clear evidence that the rental agreement was fraudulent and that I had no involvement in the transaction, Wells Fargo has failed to resolve this matter fairly. 

Complaint Details : Account Holder Information : Name : XXXX XXXXXXXX XXXX : Wells Fargo Checking Account Ending : XXXX Dispute Claim Number : XXXX Disputed Charge : {$XXXX} Merchant : XXXXXXXX XXXX XXXX XXXX Amount : {$XXXX} Transaction Date : XX/XX/year> Fraudulent Activity : yes I have never conducted business with XXXX XXXXXXXX XXXX XXXX nor rented a vehicle from them. After discovering the charge, I contacted both Wells Fargo and XXXX XXXX XXXX XXXXXXXX to dispute the transaction. 

Following an internal investigation by XXXX XXXXXXXX XXXX  XXXX, they confirmed in writing that I was not associated with the rental agreement. The individual responsible for the rental is from a different state, and I have no connection to the person or the transaction. 
Despite this, Wells Fargo has denied my dispute claim without fully considering the evidence of fraud provided by XXXX XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX to Address the Fraud : I submitted my dispute claim ( claim number XXXX ) to Wells Fargo promptly after discovering the fraudulent charge. However, the bank failed to take into account the letter from XXXX XXXXXXXX XXXX XXXXXXXX, which explicitly states that I had no involvement in the rental. 
As a result, Wells Fargo has allowed this fraudulent charge to remain on my account, causing financial stress and damage to my credit. 
Violation of Consumer Protection Laws : Under the Fair Credit Billing Act ( FCBA ), consumers are protected against fraudulent and unauthorized transactions. XXXX XXXX refusal to remove the fraudulent charge after receiving adequate evidence is a violation of my rights under this law. 
Furthermore, Wells Fargo has an obligation to properly investigate disputed charges, which I believe has not been fulfilled in this case. 

Resolution Sought : I request the CFPBs assistance in the following actions : Wells Fargo should immediately reverse the fraudulent charge related to XXXXXXXX XXXX XXXX XXXX  and restore the funds to my account. 

Wells Fargo should also ensure that any negative impact on my XXXX XXXX due to this dispute is corrected. 

If Wells Fargo fails to resolve this issue fairly, I will pursue legal action for damages resulting from their failure to comply with consumer protection laws. 

Attached to this complaint is the official letter from XXXX XXXX XXXX XXXX XXXX XXXX, confirming that the rental agreement was fraudulent and that I had no association with the transaction. 

Supporting Documentation : XXXX of XXXX XXXXXXXX XXXX XXXX letter confirming the fraudulent rental agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with Equifax, but both XXXX and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. Equifax has removed the Public Record of the Bankruptcy I was forced into by my XXXX and the student loans I was forced to take by my XXXX I can not get the other bureaus ( XXXX and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA
Product: Credit reporting

XXXX was reporting over 10-year old bankruptcy information on all credit bureau reporting agencies. XXXX sent out an update to delete this information as well as instruction to delete a statement saying " after FRCA investigation consumer disputes ''. All credit bureaus ( XXXX ) received the automatic update ( AUD ) as XXXX XXXX informed me via one of many telephone conversations. However, Experian refuses to change my report to reflect XXXX explicit instructions to do so. I know this because after talking with Experian customer service 3 times, it was confirmed each time this same information remains and I was told Experian had received an update from XXXX XXXX, 2016 like the others had. They are violating my rights to have my credit report updated to expunge illegally reporting outdated information, as was so stated in XXXX letter dated XXXX XXXX, 2016 that was XXXX to me by XXXX XXXX, executive consumer reporting specialist. I have been turned down for loan because of this negligent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency  assigned to it.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXX of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.
Product: Credit card or prepaid card

This is with American Express. I suffered sickness and then care of family members due to XXXX, while sick and incapacitated I still reached by phone to make payment arrangements with all of my creditors only American Express used forced arbitration means by adversely not honoring the payment arrangements as specified by their advertisement on relief program within their control and tried to process payments not under the arrange agreement made via the customer service representative. They initiated adverse action s still within one month by canceling the credit cards and initially locking me out of manual payments. American Express force the situation into a payoff action only and then told me I have to re apply for the cards again after I pay in full all of the balances. This is not fair as they forced arbitration while advertising relief with reduced payments and arrangements that was not followed through on their end. As a consumer I believe this is an unfair practice as I will suffer the XXXX XXXX lowering and adverse action by canceling the credit cards losing rewards points and status while they collect the remaining balances.
Product: Checking or savings account

I opened a XXXX XXXX checking account on XX/XX/2022 with a bonus offer for up to {$500.00} bonus when receiving direct deposits of {$8000.00} or more within 90 days of account opening. I set up my employers direct deposit to direct to this account and received a direct deposit payment of {$8000.00} on XX/XX/2022. I called to confirm that this direct deposit met the requirements and twice had representatives confirm on a recorded call that I had met all requirements and that the bonus would be credited within the timeframe outlined in the offer. I contacted customer support on XX/XX/2022 for an update, as this was now past the date indicated and the bonus had still not been paid. They indicated to me that the requirements had not been met as the direct deposit coded incorrectly as a transfer. They raised a dispute to which I did not receive a response.
Product: Debt collection

I rented a room in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) from XX/XX/XXXX - XX/XX/XXXX. I was a XXXX XXXX at XXXX XXXX XXXX University at the time and graduated in XX/XX/XXXX. I paid roughly $ XXXXmonth in rent until the end of my lease which expired in XX/XX/XXXX. I received my security deposit back in full ( one month 's rent - US {$800.00} ) upon my move-out in XX/XX/XXXX. I completed the move-out process organized by XXXXXXXX XXXX  which included signatures on a " move-out '' sheet that was submitted prior to me receiving my security deposit back in XX/XX/XXXX. 

Several months after completing the move-out process, vacating the unit and receiving my security deposit back, I received an email from XXXX XXXX XXXX stating that I owed an additional charge ( {$520.00} ) for cleaning services. I was shocked to see this as I had already completed the move-out process which involved calculating any additional charges ( which would have been taken out of my security deposit ). I still believe I am not under any obligation to pay this charge. XXXX XXXX XXXX sent this additional charge to a collection agency in XX/XX/XXXX. 

I now have a collection account on my credit report for this additional charge I have no obligation to pay. I have been in contact with both the collection agency ( XXXX ), XXXX XXXX and a credit reporting agency countless times over the past several months to try to find a resolution to the issue. XXXX XXXX communicated that the charge was sent to XXXX by the previous property manager who is now not employed by the company and that it should not have been sent. Though, when I have asked ( numerous times ) for them to provide the documentation of the signed move-out sheet and the account history of which would clearly show the returned security deposit, they have not responded or stated " they will get back to me ''. 

My payment history should be documented in my online resident portal, which only XXXX XXXX has access to, as I am no longer an active resident at their property. I am still attempting to obtain this proof so that my dispute can be properly processed by both the credit agency and XXXX.
Product: Credit card or prepaid card

Step 1 : What is this complaint about? 

I received two ECOA letters from " XXXX XXXX XXXX  '' two weeks ago that an application with my name and phone number, stating that my " request for credit was not approved : Unable to verify identity. '' My husband received the same two letters a month ago. 

I have attempted to follow up with the number provided multiple times. I have been told that they will put a message in that a manager will need to call me back. it has been over two weeks for myself and over a month for my husband. I was told on the phone that i was speaking to a representative from XXXX not XXXX 's XXXX XXXX. I have also tried to contact my local Walmart, walmart HQ, and Sams Club with no success. 

We have both already filed police reports but are trying to determine where the fraud took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Williams & Fudge XXXX Inc. wrote the below statement on my last complaint and have yet ceased from reporting to all three credit bureaus! 

XXXX XXXX XXXX, stated The account was satisfied in full on XX/XX/2022 At that point, the account was closed on XX/XX/2022 and returned to the client as such. Upon closing the account as paid in full, XXXX ceased acting as a data furnisher and updated the credit reporting agencies to remove the previously reported information associated with this account. Should the consumer have additional questions, they are encouraged to reach out to XXXX XXXX XXXX, who is Williams & Fudge , Inc. Ombudsman. He is available and may be reached via phone XXXX, or by email XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, which has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681c-2 which states Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. It has been over 4 business days since Experian has received my documents and opened a dispute for the following Fraudulent account XXXX XXXX ( Account NumberXXXX ) Balance : {$530.00}. I have provided all my documents as needed and this account is still being reported by Experian. Along with this complaint, I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiries, along with my statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$360.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$7200.00} XXXX. DP OF EDUC - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I sent Barclay 's Bank a payment of {$4000.00} with 4 money orders in the amount of {$1000.00} each. They processed 3 of the 4 payments which equals {$3000.00}. {$1000.00} of it is MISSING? I was asked by the 1st Barclays rep to contact the United States Postal Service and get copies of the front and back of each money order which I did for a fee. 

ALL 4 money orders have been cashed by Barclays Bank via XXXX XXXX XXXX   acct # XXXX. Barclay bank has my money and hasn't credited my account. 

This is bad business on Barclays. I have not only did my part by making my payments, but also have proven being reasonable doubt that I made the payments and that Barclay has cashed them and deposited into there XXXX XXXX Account I asked if by faxing them the copies of the cashed checks could the expedite my claim and they said NO. If we were talking about {$100.00}, okay lets wait 25 days, BUT were not. Its {$1000.00} that isn't being credited to my credit-card and i'm being charged interest on it. {$1000.00} is Grand Thief and as far as I'm concerned they stole my money. What financial institute doesn't reconcile daily? I work for a financial institute and were required to balance each day and have resolution.

I want to file a Grand Thief complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I applied for an XXXX XXXX yesterday XX/XX/XXXX and was automatically denied. 

The emailed report had false credit scores. 

My score is around 450+ while the denial application shows 300s. 

The department supervisor for the XXXX XXXX division mentioned nothing could be done regarding my credit worthiness and proceeded to defy federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. This section addresses the liability of credit reporting agencies for willful noncompliance with the FCRA 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.
Product: Credit reporting or other personal consumer reports

I notice some unauthorized inquires on my report from my old XXXX XXXX XXXX XXXX which was paid in full and closed for over 3 years now.