23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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  Subject : Dispute of Accounts Due to XXXX XXXXXXXX Data Breach To Whom It May Concern : I am writing to formally dispute the following accounts listed on my credit report as a result of fraudulent activity tied to the XXXX XXXXXXXX data breach. These accounts were not opened by me, nor have I authorized their use or any associated transactions 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  These accounts are inaccurate, and I request that they be investigated and removed from my credit file. I have attached supporting documentation to validate my dispute, including : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., utility bill or bank statement ) A copy of my credit report with the accounts in question highlighted FTC identity theft report ] In light of the XXXX XXXX XXXX and its potential impact on my personal information, I believe these accounts were created fraudulently. Please conduct a thorough investigation and provide written confirmation once these accounts have been resolved and removed from my report. 

You can contact me at ( XXXX or XXXX is additional information or documentation is needed to process this dispute. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Capital one auto finance account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX  and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.
Product: Credit card

I am writing to formally document my concerns regarding Wells Fargo 's handling of a fraud case that I initially reported in XXXX. Despite my timely reporting of fraudulent activity, it appears the bank failed to file the fraud report correctly. 

Upon reviewing my records during tax preparation in XXXX, I discovered that the issue remained unresolved. I subsequently refiled the report, but it was mishandled repeatedly. This matter eventually escalated to the Executive Office, where internal disagreements between departments have led to attempts to hold me liable for fraudulent transactions. 

The justification providedthat I continued to make payments on my credit cardis baseless. I made payments under the assumption that Wells Fargo had addressed the fraud. The transactions in question, exceeding {$10000.00}, include charges for services such as dental and legal expenses that are unrelated to me. For context, I have only ever seen my lifelong dentist in XXXX XXXX XXXX and have not visited a dentist elsewhere in the United States. 

This situation appears to reflect gross negligence and a failure to comply with Regulation-E, which protects consumers in cases of unauthorized transactions. Furthermore, it aligns with broader concerns about Wells Fargo 's history of regulatory violations and unprofessional conduct. 

I request an immediate review and resolution of this matter, as well as assurances that my liability will be cleared and corrective action will be taken to prevent similar occurrences. Please confirm receipt of this communication and provide a timeline for next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

Wells Fargo changes my early direct deposit date from several days prior from SOCIAL SECURITY SSI, as DEPOSIT FALLS SOMETIMES PRIOR TO THE XXXX OF THE MONTH, then when my money is in my account as early direct deposit I have access to the funds, THEN WELLS FARGO CHANGES THE DIRECT DEPOSIT DATE TO THE XXXX, THEN CHARGE ME OVERDRAFT/ NSF FEES FOR THE MONEY USED ON THE EARLY DIRECT DEPOSIT. I could not have been able to make these charges, APPROVED, AT PURCHASE IF FUNDS WERE NOT AVAILABLE. Therefore consistently month after month for the last 6 months, charged me ILLEGAL OVERDRAFT/NSF FEES. I have been with WELLS FARGO FOR OVER 10 YEARS AND THIS IS COMPLETELY NEW SINCE THE LAST 6 MONTHS. ITS ILLEGAL AND FRAUDULENT!!! I will gladly provide documents when requested, unable to download bank account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : Im not responsible for those inquiries
Product: Money transfer, virtual currency, or money service

To pay a contractor, I transferred {$2500.00} from my bank account to XXXX, and send the {$2500.00} to contractor. Then I transferred another {$2500.00} from my bank account to XXXX, and XXXX  didnt let me send it, saying {$7500.00} send limit reached. 
I contacted the customer service, which is only available over chat. They said my loading cash to app frol bank account counts as send limit. I asked them to reverse the transfer, they said they can do it free as a standard transfer and app shows get my money next Wednesday, 5 days later. If I transfer instantly, they charge {$37.00} fee. 
- XXXX is misrepresenting send limits, and counts incoming cash load as send limits, then uses customers money for 7 days, when send limit resets, XXXX uses the money with no interest bearing for the benefit of the customer. 
- If customer needs to get out of this lock, and wants the cash back into their bank account. XXXX  penalizes the customer by charging them a fee for getting the money back to customer account instantly, or forcing the customer keep the money at XXXX custody for 5 days, freeloading on the customers balance, and making customers money working for XXXX company, with no benefit to customer. 

I press charges for XXXX  misrepresentations, fraudulent practices.
Product: Debt collection

RE : Relevant history concerning my dispute with XXXX and Contract Callers , Inc. 

XX/XX/XXXX Order placed online for 80 gallons. ( Reference number XXXX ) XX/XX/XXXX Email notification of a duplicate order placed. I called to report the duplicate and this was corrected. XXXX received payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX Order delivered. 

XX/XX/XXXX Began detecting odor. Suspected leak. XXXX promptly came to remove the tank and all propane from the property. I do not have the exact date, but it was a Friday evening when the tank was removed. 

Over the course of several months, I placed numerous calls with various representatives about our replacement tank and propane. Eventually, customer service suggested I place a NEW order for propane, which I did on Friday, XX/XX/XXXX. 
The order was moved to expedited delivery at no charge with an apology for the long delay. ( Sales Order Created XXXX ) XXXX representative by phone acknowledged that it was in their records that they removed a full tank of gas as well as a leaky tank and that this gas had already been paid in full. The representative stated clearly that we would get an invoice within ten days that noted a credit on our account. 

XX/XX/XXXX Replacement tank and gas delivered. 

Invoice appeared with a date date of XX/XX/XXXX, XXXX with no mention of the credit. When I called to correct the record, there was no record of the leaky tank, no record of the removal of a full tank of gas. 

I promptly requested to close my account and I was told it would be closed on XX/XX/XXXX ( order XXXX ). 

From the time I opened my account in XXXX, business protocol and communication failed significantly. Calls had been outsourced out of the country, there was no way to speak to a local representative, and every person I was in touch with claimed to have no knowledge or access to any of the notes that previous customer representatives claimed to be taking. 

I filed an official complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 

I first disputed this debt with Contract Callers on XX/XX/XXXX ( XXXX XXXX. ) A copy of these notes has been provided to XXXX.
Product: Credit card

On or around XX/XX/year> reverse charge was charged back to my capitol one journey card please see attatchment in pdf in complaint prior the charge back I explain to The mercant Capitol One that the charge amount was unauthorized in the merchant Capitol one issued a credit only to reverse it which in doing so is violation of fair credit law In the consumer protection act that law that is under zero fruad liabilty protection.
Product: Credit card or prepaid card

In XX/XX/XXXX my family and I received unsolicited " offers '' from PNC to use their checks to " improve your financial flexibility. '' We decided to deposit checks for amount totaling XXXX USD on XX/XX/XXXX. This money had a whole year to be paid back yet this PNC is now scheduling this payments without our consent and they have scheduled amounts of XXXX to go back to this credit card account on XX/XX/XXXX. I have tried to resolve this with them but they sheepishly blame me for scheduling that amount when I believe it's a glitch in their system that makes this payment be scheduled WITHOUT my consent. I first called on XX/XX/XXXX and their staff showed me how to delete this scheduled payment but on Monday they had already scheduled it again for same day. I called on XX/XX/XXXX and after being on the phone with them for over XXXX minutes, their staff were rude and bossy and wanted for me to humble myself and feel like am their under their mercy, am not. I requested for manager to call me back and they said someone will reach out to me but they still haven't. I decided to call again since they are robbing me XXXX ands spoke with their staff who said they were not sure if that transaction is reversible. They keep insisting that I can change/delete payment but I will include XXXX screenshots of XXXX online bill payments and prove that on this one they schedule themselves I have no control over it and I am not able to stop/cancel payment -- -on XX/XX/XXXX I had the option to edit/cancel but PNC decided to take that option away from me. This money/offer was for to be paid back by XXXX by PNC has taken it among themselves and do illegal business. on the attachment PNC 1 their or PNC themselves system schedule it and so I can not edit cancel since I have no control. On PNC 2 it it one of the bills I set up and so can edit cancel
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

I request that my name be updated to reflect the correct information. 


XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the incorrect Incorrect Addresses listed above from my credit report. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Checking or savings account

I have been a victim of Fraud. I reported it to my bank ( Chime ) and they disregarded it. I do not think they looked into my claim at all. I reported all the unauthorized transactions totaling {$2500.00}. and I was given the following Dispute ID : XXXX. When I spoke to the representative on the phone he told me my debit card was charged at two different hotels ( thousand of miles away XXXX, XXXX, XXXX, and XXXX. I found out about this transactions through an Email chime sent me because I do not have access to my online account. I filed the dispute on Saturday XXXX XX/XX/21 XXXX and on Monday morning ( XX/XX/21 ) I received an email with the following information. Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I am shocked. I feel betrayed. I feel robbed. I need this money to pay my rent, buy food, and pay utilities. After doing some research on the internet I realized that Chime will deny most/all claims. They are not willing to investigate fraudulent claims. But how can they tell me no error occurred when Im calling to tell them I have XXXX been a victim of fraud. That all my money is gone and I am left with {$5.00} dollars. I am very upset. I need help to get my funds back. Please help me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I do not or ever did have a belk card. I have 0 credit cards.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against Experian Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Credit card or prepaid card

I have two XXXX accounts for XXXX XXXX and XXXX. Both accounts were advertised as XXXX interest during the Covid shut down, and were opened in 2020. However, the billing dates are unclear. Each bill has a different due date. All bill notices are sent the day after the due date. Often, I pay the bill twice in one month only to be charged a late fee. Clearly, the goal by Synchrony is to charge fees, by creating confusion about when the bill should be paid, while advertising zero interest. Please address this matter as it creates usurious and predatory billing. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score XXXX invested with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX auto financing to XXXX XXXX XXXX XXXX supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a 130 point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me XXXX company XXXX  useXXXX XXXX XXXX XXXXXXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you Dealer fraud. 

I sent Cease and Desist through fax I want an Revoke Of Signature Right of Rescission Validation of debt, I asked months ago Affidavit of Truth.

Per U.S. Federal Laws and Regulation TILA Violations noted FCRA Violations noted Improper use of credit reports violations noted 15 U.S.C 1611 violation 15 U.S.C 6802 violation 15 U.S.C 1692 violation 15 U.S.C 1681 violation Notice of Disposition required Under UCC 9-610 12 CFR
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX Of XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX and I am a living human being with my right given to me by being born in the united states of America by the fcra and the federal facts act, right that have been continuasly violated by all three cra, 's the the government intentity that was formed to stop such oppressions have aided in the abuse of power by the cra 's this complaint is against equifax . 

****Reason :! month ago my credit score was XXXX today it rests at XXXX wich is XXXX diffrance that being said my credit report with equifax has * no bankruptcy *no collections *no late payments/past or presant I have an bsolutly flawless credit report with equifax yet my score has dropped XXXX points and they have given me XXXX for an explanation in fact I have talked to about 6 or 7 diffrent supervisors and about 20 or so customers service agents asking for help and they all say the same thing after examining my report. 
and i quote " XXXX XXXX we do not have access to your credit score but if you are dsaying on the equifax website it is XXXX, Let me tell you i see no reason for your score to be that low .I see right here that when you say in fact your score was indeed XXXX '' After being told that over and over i can be heard on recording explaining to them that something must be done i wrecked my truck and new to secure nerw financing on a vechile and am told and i quote " XXXX there is nothing i can do evidently there is a glitch in the system and you must wait 30 days for it to pass '' i explain that i dont have 30 days i have to find a vechile now i need to work and pay my bills and that equifax issues the score there musst be someone that they can point me to for help with this, a number i can call a diffrent office and am told time after time and i quote '' XXXX i sugest you wait 30 days for the system glitch to fix itself there is nothing more anyone here can do for you have a nice day '' This is hurting my family i cant work because i cant get a vechile i have spent {$1100.00} but i am out of money now mortgage due next week no vechile to go to work, i just bought a house is equifax going to reimberse me these funds and pay my mortgage while i wait for their glitch to fix itself?????? I fear we may have a problem like last year where equifax is issueing the wrong scores for people I need help or i will have to go to the news with this i cant lket their glitch ruin everything i have worked for please help and please have them pay the damagesw done thus far
Product: Checking or savings account

I am a Wells Fargo customer and when I signed in to my account a few weeks ago to print out my direct deposit information for my new job it gave me someone else 's routing number and account number. I only noticed yesterday ( XXXX ) because I had n't received my check. I signed back in and printed the same form again, this time the same form had my account information. I went by a Wells Fargo branch earlier today ( XXXX ) and spoke with a banker, I brought both forms, mine and the wrong one. He pulled up the account that was n't mine and confirmed that my check had been deposited into a business account in California, belonging a man I have never heard of. He kept the form containing the other person 's information. I have no idea how I was given someone else 's information through my own account, and now they have my money that I worked for. I want to know how this could have happened and how I am supposed to trust this business with my money when they are so cavalier with their customers account information. I lost my first check at my new job because Wells Fargo made a serious security mistake.
Product: Checking or savings account

I was promised XXXX XXXX XXXX bonus miles for opening a savings acct and keeping {$10000.00} in there for 60 days. They promised they would pay the XXXX XXXX bonus miles within 90 days after the requirements were met of having {$10000.00} balance for 60 days. We are beyond that date threshold and the miles bonus is still not paid. 

This is deceptive and abusive approach for Citi to entice consumers to open accts with the promise of bonuses but not pay them as advertised using their disclosure. 

opened account with required minimum {$10000.00} on XX/XX/XXXX and kept balance for 60 days. 
The bonus should have been paid by 90 days or by today XX/XX/2021 and it has not. Citi bank does not seem to care that they have not met their disclosed timeframe to me and are saying for me to just wait. 
this is bad for consumers. They have been doing this to a lot of people and they should be penalized with UDAAP civil money penalties for consistently violating fair and accurate advertising to garner deposits with the lure of bonus $ or miles only to ave the consumer have to fight to get the bonus paid. 

Please have them deposit the promised XXXX bonus miles into my XXXX XXXX Acct thanks XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account. 
Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history. 

Thanks.
Product: Checking or savings account

Bank of America has not fixed my bill pay that was set up since 2016, in fact they chose to now close my primary checking account and are still holding in that closed checking account my XXXX money in the amount of XXXX. No one from Bank of America has been able to tell me when my money will be given to me. That is the only money that I have to live on, and pay my meds. Please help me!