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

I filed a claim with Wells Fargo about purchases/transactions made internationally using my debit card. They said they investigated and decided that I authorized the purchase or I even did it myself, and the purchases were made with the actual chip of my card even though Im in the US, and my card wasnt lost or stolen and i carry with me 24/7. In the app the method of the purchases is described as digital wallet tapped. There are actual purchases made by me here where I live ( XXXXXXXX XXXX  ) in between the purchases made in XXXX ( XXXX XXXX ) which should be enough to prove that I didnt do the purchases as it is impossible for the same card to be in different countries in such a short period of time. Either way, they say the claim is closed and theres nothing more that they can do. I filed a police report today ( XX/XX/XXXX ) about this situation. Purchases made on these dates : XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX a total amount of {$88000.00}. 
Theres even and internacional fee being charge which is another proof someone abroad cloned my card and made purchases. 

Wells Fargo claim number : XXXX
Product: Credit card

Discrepancies exist between awards accounting in the mobile app compared to the online system. The mobile app shows returns as a negative number. Online shows returns as a positive number yet the result in both systems is the same. It appears from the conversations I had with the bank that they don't care ( quoted from customer service rep ) that the mobile app acoounting is incorrect. I find it unacceptable that a bank does not care if accounting is incorrect.
Product: Credit card

I payed my balance in full on my Citi Bank credit card about a week before the payment due date. I was charged interest, against what I could tell was the policy listed in the credit card statement. I asked why I was charged interest when I had paid my credit card balance in full before the payment due date. The rep did not tell me why. However, he did credit the interest back to my account. I would not complain about this normally. It is a small amount of money, and I got it back. However, I feel like charges like this can fly under the radar, and I think the company needs to be held accountable somehow.
Product: Debt collection

Payment was made on XX/XX/XXXX. Since then I had been contacted 3 times by mail, constant phone calls through the day. Sometimes XXXX. As well as text messages, even though I opted out of texts. Sent them proof of payment, and they still call and text me about this {$79.00} that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a lease agreement with the leasing company, XXXX XXXX on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX were notified by animal control/police that my roommate had been seen acting violently towards my dog on their property, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXX  counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and Marshall served summons on my roommate and a separate utility 's bill of {$69.00}. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX  XXXX councilor as supporting documents to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.
Product: Credit reporting or other personal consumer reports

XXXX friday XX/XX/2024 I just spoke to XXXX XXXX who is 3rd party for XXXX XXXX and XXXX XXXX credit cards. Under law they told me that they report at the end of the month each month updated credit balances. 

Experian, my contact there, told me he called the business office and they said XXXX has not updated for my cards. 

Someone is not telling the truth and the finger pointing has to stop. 

I am trying to have credit pulled and can not until this is updated. 

Please investigate who is not doing their job and if they are not reporting they need to be fined. both that is.
Product: Checking or savings account

XX/XX/XXXX - XX/XX/XXXX This is over XXXX $ of fraud done on my account {$25000.00} TO BE EXACT Multiple merchants on throughout these transactions Saturday XX/XX/XXXX at XXXX was the last time I used my card from XXXX, I lost access to my chime account after that transaction up until now, my identity was stolen, and after I made my last transaction I NEVER MADE ANY OF THESE TRANSACTIONS FROM XXXX XXXX XX/XX/XXXX NOR DID I AUTHORIZE ANYTHING. I have made numerous attempts to contact chime over the time period and every time I get someone on the line they transfer and Im on a never ending hold EVERY TIME. My account continues to be compromised and they will not do anything about it please help me. Ive also filed a number of police reports. I spoke to someone on the phone when I originally tried to start the claim process and told them I DID NOT HAVE MY CARD & when they sent the dispute form I was rushing to get it done I accidentally crossed out I had my card but immediately sent them an email when I realized what Id done. I did not make not a single one of these transactions shown
Product: Checking or savings account

On XX/XX/2019 an attempt for Bank of america to transfer a monthly {$25.00} fee from my checking to savings to help save. ANY OTHER time if there is not enough money to transfer {$25.00} from checking into my savings account it is simply cancelled. If you look into my account you will see many times it has happened and when fees were low it was simply cancelled. Then stated it was cancelled due to low funds. So when funds in checking were less than {$25.00} the transaction will be cancelled. 
So simply put, I didn't have {$25.00} in checking to transfer to savings. The bank transferred {$25.00}, regardless into my savings resulting in my checking account becoming negative, then took an overdraft fee of {$29.00} from savings! and transferred back to checking! So savings balance of {$4.00} is now {$0.00} and my checking that was {$4.00} is now negative {$2.00}. Not only that I don't have overdraft protection. Basically they found a way to make {$4.00} ... .First time this has ever happened so surprised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$120.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is an account listed as XXXX XXXX located on my credit file that does not belong to me. Ive disputed this account with the bureau ( XXXX ) numerous times advising them to provide me documentation proving that it belongs to me and they have never provided documentation. The account is fraudulently reporting and violating my consumer right to accurate reporting. Ive attached a previously filed police report and FTC report regarding accounts on my file that I never opened.
Product: Credit reporting or other personal consumer reports

I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM XXXX UNTIL XXXX, AND XXXX AS XXXX XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX  SINCE XXXX UNTIL PRESENT. My credit report was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken basic community college level it security courses and Equifax ( a company I am required to let have my information ) failed to implement rudimentary procedures that I know of. I know have been exposed and have to put additional burdens on myself and my family because of the error they made. I have to pay to freeze my accounts, I have to pay to freeze my wife 's accounts. My information is available forever to any thieves that want it. In addition, the company took almost two months to fess up to the mistake that is XXXX  level and should not be tolerated, let us not forget that top executives in the company were able to cash out stock well before this information became public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1
681
Product: Credit card or prepaid card

Home Depot employees ( XXXX XXXX and XXXX XXXX ) stated we would get 24 months of no-interest financing through our Home Depot credit card to have Home Depot resurface our kitchen appliances. The purchase was made on XXXX XX/XX/2021. Home Depot is only giving us 6 months of no-interest financing. Order # XXXX. XXXX XXXX the sales manager said he is unable to assist as he is just a sales manager with limited access.
Product: Debt collection

I was sent to Merchants collection agency for a surgeon bill. I did not know I was sent to Merchants until I reached out to the surgeons billing department to ask them why I hadnt received a bill in some time. I was making payments to the surgeon, just not the amount they wanted. They notified me that I had been sent to Merchants. I continuously receive calls from Merchants and they do not state who they are or what they are calling for. I have not received any mail to validate that they are trying to collect a debt or what they are trying to collect, just phone calls with little to no information. I dont feel comfortably discussing anything with them over the phone until I receive some form of verification in the mail. Thank you for your help!
Product: Credit card

My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I used the AMEX offer and it is advised that if I purchased from XXXX before XX/XX/XXXX, I will receive XXXX XXXX XXXX, rather than XXXX. I made a purchase on XXXX for {$2000.00}, and XXXX put a pending charge on my Platinum card, and AMEX sent me a confirmation email notified me that the XXXX offer has been successfully activated ( see attached email from AMEX ). However, since XXXX shipped the laptop out on XX/XX/XXXX, the actual charge was posted on XX/XX/XXXX. AMEX refused to honor the offer and I only received XXXX point for this purchase. I feel it is a fraud since I made the purchase on time and also received the offer confirmation email from AMEX. I have no control over when XXXX will ship the item out. AMEX should honor what you have promised in the AMEX offer confirmation email I received on XX/XX/XXXX. If I know Amex will not honor the offer, I will use my other credit card which has high return points, since this is not a small purchase.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX/XXXX  - Account XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXXXXXX XXXX XXXX  - Account XXXX
Product: Debt collection

Re : XXXX XXXX/ XXXX XXXX XXXX XXXX ( acting as agent for XXXX ). 
Transaction : Rental of passenger automobile on XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX XXXX Airport. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Issue : XXXX/Viking claim damage to vehicle after returned. Damage to front lower bumper of approximately {$1500.00}. 
My reply : XXXX performed a 'Pre-rental inspection ' as required for renting a vehicle that is part of their 'XXXX XXXX '. Inspection showed lower front bumper damage in addition to missing 'XXXX Oil cap ' on engine. 
XXXX Response-Unable or unwilling to provide documentation other than general rental agreement copy. Would not provide copy of 'Pre-rental inspection ' form. I already was in possession of said document and failed to keep a copy of the 'Pre-rental inspection ' form that would have put an end to the issue. XXXX ' website refers to the requirement of a 'Pre-rental inspection ' form as being required. XXXX/Viking filed a claim against my auto insurance policy but my insurance company is denying claim as XXXX/Viking can not provide sufficient documentation to prove their case. 
Conclusion : Rental companies I have read do this all the time without proof, placing in collections affecting good credit standing.
Product: Credit reporting or other personal consumer reports

I started the car loan in XXXX, the car was XXXX in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX {$1900.00} Open Open, completed In progress In progress, in progress Closed Closed, upcoming Dispute status Under merchant review We allow merchants 15 days to issue a credit after receiving a return. If they haven't credited you by then, we'll contact them regarding your dispute. 

Don't worry about payment in the meantimewe 've placed a hold on this transaction while your dispute remains open. 

Upload documents Transaction date XX/XX/2023 Dispute opened XX/XX/2023 Reason I canceled this purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX
Product: Debt collection

I started getting bills from XXXX XXXX. I have no idea who XXXX XXXX is. I wrote and spoke to them advising them I have not ordered anything from them. They have made a derogatory entry on my credit report however they do state I am disputing this charge, that it was identity theft and I have not received any product from them.
Product: Credit reporting or other personal consumer reports

I would like to follow in despite of my previous efforts to resolve this matter and the erroneous information remains on my report, negatively impacting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you re-investigate these accounts and correct the inaccuracies promptly. I expect a thorough review of my case and a written response detailing the results of your investigation. Enclosed are copies of my previous correspondence and supporting documents for your reference. Please help me correct the following accounts : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance : {$32000.00} Issue : Open and past due status reported inaccurately.