23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

They closed our savings account down no explanation and we reached our forever. Finally sent 15 day demand letter in XXXX 2015 which they refused to respond to, even though ceo XXXX XXXX promised. This is a very dangerous company and needs to be red alterted to all government officials federal and state. They are disgustingly terrifying and worst customer service in the world. This is not a maybe but a fact, the most lethal consumer XXXX company ever. They destroy their own for a nickel. Of course they are gon na keep sending dates that they responsed to consumerfinance.gov but those are just trees to cover their deception, they do not want to pay out what they owe after almost 5 years of illegal savings account, checking account, credit card, debit card, personal loan, auto, renters and then some, the worst CREDIT REPORTING ME when I Was only an authorized user. This company is junk.
Product: Credit reporting

I have notified Experian that the XXXX.. reporting on my credit file do not belong to me. I have submitted a Fraud Affidavit with this account included on it. Please assist me in getting this account removed from my credit file.
Product: Checking or savings account

As a Wells Fargo Customer I deposited check on XX/XX/XXXXand a check on XX/XX/XXXX. The deposits where very similar to usual and customary. Wells Fargo gave me a deposit receipt showing funds available on XX/XX/XXXX andXX/XX/XXXX. Wells Fargo received funds from the depositary institute onXX/XX/XXXX, and XX/XX/XXXX WELLS FARGO HELD MY MONEY FOR 10 DAYS AND CHARGED ME {$170.00} OF OVERDRAFT FEES.

Wells Fargo placed a 8 day hold on one the check deposited XX/XX/XXXX, Wells Fargo put a 10 day hold on the check deposited XX/XX/XXXX. I called the XXXX on XXXX, and spoke to a representative that said they would follow up with the Branch that accepted the deposit. No Follow up! I called the XXXX number as a follow up on XX/XX/XXXX. After receiving incorrect information from XXXX. XXXX gave me incorrect information about Wells Fargo policy. She ten transferred me to XXXX XXXX her supervisor. XXXX then bridged a call with branch assistant manager XXXX XXXX After 2 calls with XXXX she hung up on me.

I had to call back to speak to XXXX, the branch manager. XXXX promised to call the back office holding the deposits. She did not follow up and did not call back.

Each Wells Fargo representative communicated that Wells Fargo did not have the money from the depositary institute.

MY DEPOSITARY INSTITUTION PAID THE CHECKS ON XX/XX/XXXX AND XX/XX/XXXX.
Product: Bank account or service

I 've recently uploaded my bicycle up for sale on XXXX. XXXX who was very interested in purchasing the item have sent me the cheque that was more than the value of the item, and have asked me to send the remainder to XXXX who XXXX claimed was his delivery guy. I deposited the cheque and waited 4 days for the cheque to clear. Once the cheque was cleared and became available in my account, I 've proceeded to wire-transferring the remainder of the amount to XXXX. The day after i 've wire transferred the money, the initial cheque that was cleared was now returned and I had deficit balance of - {$2000.00} in my checking account. I called Chase ( my bank ) to ask about what happend, and they 've explained that the cheque was cleared early for my convenience, which i never asked for, and then was later returned since cheque was not valid. On top of this I was charged for the returned cheque, which was cleared by the bank without checking its validity. This is unacceptable that such huge financial organization would defer their responsibility on customer.
Product: Checking or savings account

On or about XXXX XXXX I noticed unauthorized charges on my account for the company cash app. I called and reported this to my bank immediately and was given claim # XXXX. After 10 days of not hearing anything I called back. I was told my claim had been denied because there was a previous transaction with this company that I didn't dispute. I inquired as to the transaction they were referring to and was to told it was a transaction from XX/XX/2023. I explained that, that transaction was also unauthorized, I told them id explained to the representative taking my dispute that I've never used cash app and that all and any debit or credits with that company needs to be disputed. I did not look 6 months prior in my account while I was on the phone with the representative, I had never noticed that transaction before. At this time they allowed me to also dispute that transaction giving me claim # XXXX. They also allowed me to escalate the previous dispute stating they would note that I only missed on transaction in my dispute because it was months prior and I told representative id never dealt with this company ever. The bank refunded me {$400.00} then reversed it. Every time I've called which has been 3 times since XXXX I'm told my escalation is done and someone will contact me. However they never do. The bank is using a transaction that the representative failed to notice and include in my dispute to say that I've done business with the company even tho I also went and disputed that charge when made aware. And now I'm just being ignored
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 ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E these have caused significant inconveniences and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX, XXXX XXXX XXXX Transunion, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent paperwork to update my credit report information to the correct and updated name, address, SSN, date of birth, and phone number via USPS certified mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.
Product: Credit card or prepaid card

To Whom It May Concern, I am writing to file a complaint against Wells Fargo regarding an issue related to a disputed charge on my credit card account. I discovered an unauthorized charge on my credit card statement issued on XX/XX/2023 and immediately contacted Wells Fargo to dispute the charge. I followed all the necessary steps to initiate a dispute. 

However, I was shocked to discover that Wells Fargo reapplied the disputed charge on my account after 60 days, which is a clear violation of the Fair Credit Billing Act and other consumer protection laws. Despite multiple attempts to contact the company, I have not received any satisfactory resolution to this issue.

I am requesting your assistance in resolving this matter and ensuring that Wells Fargo is held accountable for its actions. I have attached copies of my credit card statements, as well as documentation of my attempts to contact the company and resolve this issue.

I would appreciate any help or guidance you can provide to help me resolve this issue as soon as possible.

Thank you for your attention to this matter. 

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

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.
Product: Prepaid card

Why should this company be allowed to send unsolicited pre-paid credit cards in the mail to me? This ought to be illegal.
Product: Credit card or prepaid card

I have a Lowes Consumer Advantage credit card run by Synchrony Bank. 

On XX/XX/19, I made a large purchase of a set of windows totaling {$840.00} using a promotion marketed as 6 months special financing. The deferred interest terms can be found on this web page : https : //www.lowes.com/l/Credit/special-financing-tandc.html I spend many thousands of dollars of purchases every year at Lowes so this was one of my many purchases ; however, I normally pay my Lowes credit card balance off in full every month in order to avoid interest. However, after making this special financing purchase, I called Lowes ' credit card customer service to verify how much I needed to pay every month in order to avoid any interest charges and was told that I could pay the full statement balance less the purchase amount for the windows, which is {$840.00} ( unless the only thing I owed was for the windows, in which case only the minimum payment would apply ). So, this is exactly what I did. 

The first bill I received due XXXX, there were no interest charges. However, with the second bill I received due XXXX, there was a small amount of interest charged. I called Lowes credit card customer service again for an explanation, and there was no real clear explanation given, just that " credit card companies charge interest - that's how it works '' LOL.  I am a XXXX XXXX by profession so I have a full understanding of how interest works. It seems to me that Lowes is charging interest based on the additional interest I would have accrued if I didn't pay this {$840.00} balance off in 6 months, the amount described in the statement as " Balance Subject to Interest Rate '', which grew to {$860.00}. Although the amount of interest was small, I am reporting this as fraudulent credit card company activity because it seems they are charging and collecting interest based on a future projected balance, which is unethical and unfair to unsuspecting consumers. If this is not where the interest is coming from, then I don't know where it is coming from since I paid the rest of my balance off in full.
Product: Checking or savings account

I received a text saying they was from the company and that they was doing work to prevent this from happening this was on XXXX the XXXX and then I started seeing money come out my account two for XXXX $ and XXXX charges of XXXX $ sent to two people that I dont even know. I called to disputed and file a claim and let them know what was going on. They sent me email the XXXX saying my claim was denied and I will not be getting any of my money back. so I found the appeal the same day and then on the XXXX they told me again that I was not able to get my money back so thats when I reached out to you guys.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$11000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX. was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX.Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, XXXX, and TRANSUNION are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX : {$470.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Product: Bank account or service

I deposited {$720000.00} in my wife 's account at Wells Fargo Bank. The funds cleared my account in Wells Fargo Bank. After several weeks the bank unlawfully took the funds out of my wife 's account, which was a joint account.This turned out to be our life 's savings. 
Later the bank claimed that the funds in my account were there by bank mistake, but I never received any notice of dishonor any kind on any of the deposits. It is against Federal Banking Law to remove funds without a dishonor notice.If the XXXX had been deposited in another bank we would have our money because they could not have simply removed it.
Product: Credit reporting or other personal consumer reports

on XXXX I allowed STEP by XXXX XXXX and trust to report my Credit Card to my credit bureaus 5 days later they sent the report to every credit bureau and XXXX and XXXX is reporting the information but Experian is not. It has been almost 1 month, and I have already gotten a statement out during this time and Experian is still not reporting it to my credit report. This is causing major issues getting approved for credit cards, or loans.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with your bureau 's ongoing failure to address my concerns regarding the unauthorized inquiries on my credit report. This is now the multiple time I have reached out to you about this matter, and yet the inquiries remain unresolved, which reflects poorly on Equifax 's commitment to accuracy and consumer protection.Despite providing all necessary documentation to support my disputes, your lack of action is both disheartening and unacceptable. 
These inquiries were not authorized by me and should never have been allowed on my credit report in the first place. By failing to address this issue, Equifax is perpetuating harm to my creditworthiness and undermining my trust in your ability to manage sensitive consumer data. 
The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct thorough investigations into disputed items and ensure the accuracy of the information they report. However, your repeated inaction suggests a disregard for these obligations and for my rights as a consumer. 
I am demanding the following actions be taken immediately : XXXX. Removal of Unauthorized Inquiries : All inquiries I have previously disputed as unauthorized must be promptly removed from my credit file. 
XXXX. Written Explanation : Provide a detailed explanation of why these inquiries have not been addressed despite my repeated attempts to resolve the matter. 
XXXX. Implementation of Preventative Measures : Assure me that steps will be taken to prevent unauthorized inquiries from being reported on my credit file in the future. 
This prolonged and unresolved issue has caused me unnecessary stress and frustration. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/2016 I checked my XXXX report and noticed previously deleted inquires were reinserted back on my credit report and i was not notified that they were being reinserted
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report thru XXXX XXXX was XXXX last week, now it is XXXX. I don't understand how this happened. I have not changed anything and all my payments are on time. I only have one opened credit card.
Product: Debt collection

I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.
Product: Checking or savings account

my complain is about Bank of America. when I open my account they told me there was no fee if I keep certain restriction. I have met them. one of two on my account I only keep to pay my insurance and the other one was keep the change account. I would transfer certain amount of money in the account that pay my insurance. my checking account met all the restriction that they require that they don't charge a fee. when I finally look on my statement I call them about the fees they told me that the fees started from last XX/XX/XXXX. if I did know about these fee I wound have close the accounts like I did today because I did not need them. I know I'm not the only one who is having this problem with the banking fees. they are having people open unnecessary accounts and turning around and charging them.
Product: Checking or savings account

Around XX/XX/XXXX, my bank account was compromised by a hacker. The hacker overdrew my accounts by roughly {$16000.00}.

I reported the issue on XX/XX/XXXX to my bank, Cadence. Cadence promptly locked my accounts and began an investigation. Online access to my accounts was suspended and the only way funds could be withdrawn was from a branch.

After the accounts were allegedly frozen, the hacker was able to overdraw another account by roughly {$9000.00}. Again, this activity occurred after the accounts should have been frozen.

While Cadence refunded the original {$16000.00}, Cadence Fraud Dept stated the subsequent activity that led to an additional {$9000.00} being removed was not fraud and that I was responsible.

The account with that was overdrawn by {$9000.00} originally had a balance of {$30.00} and should have been frozen like the other accounts.

Cadence took money from another account to cover the {$9000.00} Overdraft.

My complaint is two fold : - Cadence should not have allowed the account that had a balance of {$30.00} to be overdrawn by {$9000.00} when I notified them of fraudulent activity.

- Cadence Bank should not take money out of my accounts for fraudulent activity. This is especially egregious since there was a freeze was in place and they were aware of the account compromise.