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

On XX/XX/XXXX I received a notice that my bank account ( held jointly with my husband ) at Citizens Bank was overdrafted. I immediately reviewed my account and found two fraudulent checks cashed on the account. The first was for {$4200.00} ( cashed XX/XX/XXXX ) and the second was for {$1800.00} ( cashed XX/XX/XXXX ). In total our bank account was debited for {$6000.00} in fraudulent transactions. I verified that I still had in my possession the legitimate checks and went immediately to the bank where they filed an investigation and had me sign an affidavit, opened a new account and put a fraud warning on the original account. 

We have tried to follow up several times with Citizens Bank to determine when our account would be made whole and we have had little to no help. My husband attempted to reach out to the Loss Prevention group and no one would speak to him. We jointly spoke with a woman in the customer service department on Saturday XX/XX/XXXX that told us that our investigation would be closed on Friday, XX/XX/XXXX and the funds would be returned to our account. That woman was supposed to follow up with us to answer some additional questions regarding Citizens repeated attempts to pay a bill from our account and she never returned our calls so I then went into the branch on Thursday, XX/XX/XXXX and spoke to a local representative. He called the fraud department directly on my behalf and was also told that the investigation would be closed on Friday XX/XX/XXXX and the funds would appear in our account by Saturday XX/XX/XXXX. He even confirmed that he was allowed to relay that information to me. Those funds have still not been returned to us. I followed up this morning with the same local representative who again reached out to the fraud department for us and we are now being told that they won't return our funds to us until they recover them from the banks that cashed the fraudulent checks. My husband called again to customer service this evening and was given the same answer and told that they were allowed to keep our money from us for 8 weeks. 

We live paycheck to paycheck and can not pay our bills without this money. Citizens Bank does not deny this was a fraudulent transaction. We have showed them the physical checks which are still in our possession. One of the fraudulent checks does not even have the correct bank account information on it, however they were still cashed. Citizens Bank should not be forcing us to take the penalty on this. We have been promised that the money would be back in our possession by now and they have decided that they'd rather their customer feel the pain than make us whole. Citizens Bank clearly does not value their customer service relationships. They've lied to us and led us on for weeks now.
Product: Mortgage

Good Morning, Back in XX/XX/XXXX, I applied for a loan Modification through American Servicing Company whom was a 3rd party to Wells Fargo and was approved, However in XX/XX/XXXX I sustained a life changing injury and while dealing with this situation it appears as though WELLS FARGO submitted a debt of cancellation to the IRS, in the amount of XXXX as this appears to be income on my end. Well due to various things going on in my life, I finally contacted Wells Fargo around XX/XX/XXXX and spoke with a Customer Service Manager name XXXX /XXXX in their California XXXXXXXXXXXX in regarding this situation. .I explained that this matter needs some kind of correspondence no later than XXXX XXXX, then the called my number on XXXX XXXX but did not leave a message, So when I returned their call the XXXX XXXX ext XXXX that they assigned this issue to was not available as a matter of fact I still have not spoken to the representative assign to this issue or his manager. It is now XX/XX/XXXX and not only have I not received any correspondence from anyone @ WELLS FARGO, But when calling XXXX and I spoke with another representative, whom attempted to tell me that XXXX XXXX had called my number on XX/XX/XXXX @ XXXX but chose not to leave a message stating that there was no voicemail on my number. Which I knew was an incorrect statement. And to add more salt to the injury, When I called XXXX they could not even locate my previous loan # in their system anymore. I am very upset about this situation due because I really feel that Wells Fargo is doing this deliberately to make my life hard.I say this because back in XX/XX/XXXX I purchased a XXXX XXXX and in the middle of my loan some how Wells Fargo was able to purchase my loan just as they did my mortgage and it was a totally nightmare. After paying them double the amount that I initially purchase the vehicle for they attempted to tell me that I still owed them an additional {$5000.00} and when I declined to give them anymore money then they refused to provide me my pink slip after collecting double the amount of the vehicle. And now they want to report an illegal amount to the IRS for a loan modification and I really feel that this is retaliation because they were not able to extort any additional funds from me in reference to the vehicle that I purchased back in XX/XX/XXXX. I want this major issue resolved through the IRS as well I am requesting assistance with obtaining my title as well for the vehicle that I purchase back in XX/XX/XXXX because I have nothing but problems with WELLS FARGO for EVERY TIME they placed their name on any loan that I have obtained. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint with CFPB in regards to the handling of the account, as they were calling before XXXX XXXX, several times per day. Their response was to apologize and close the account as paid in full. I spoke with them on XXXX and uploaded their written response and now they are calling me for payment again. They stated to me and the CFPB that this account was closed and paid in full so its not okay that they are still trying to collect payment
Product: Debt collection

Advante USA placed a new collections on my credit report on XX/XX/, 2019. I have no correspondence of this debt. I have no debt with this company. I have no contractual agreement with this company. I have no debt on this date. Company states I owe them {$1200.00} out of nowhere. Can not seem to contact such company. Can not understand how this is legal.
Product: Credit reporting or other personal consumer reports

I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution.

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute. 

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts XXXX XXXX XXXX, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear XXXX have only compounded the issue. 

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response. 

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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, XXXX, XXXX, XXXX XXXX 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 XXXX
Product: Debt collection

they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me.
Product: Debt collection

Im receiving repeated calls back to back regarding a payment that I promised to make next pay period. Theyve called multiple times in the same hour.
Product: Payday loan, title loan, personal loan, or advance loan

Hi I saw on line that One Main Financial over charged their customers for unnecessary fees in the past few years, and I had XXXX loans thru the company and just wanted to know if I qualified for a refund of any over charged fees. I figured it would not hurt to inquire. Thanks
Product: Debt collection

I have contacted this company and requested verification and validation of debt per my right under the FDCPA section 809 a and b. This company refuses to provide to me. I also do not believe they are bonded to collect in my state. This is not my debt and please consider this your direct dispute. I will take all actions to protect my rights even if that means filing a civil suit against you and your client. I will seek actual and statutory damages. This account also needs to be update with all 3 bureaus that its in dispute per the FCRA! Last four of my ssn are XXXX and my date of birth is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have no ties to the listed creditors, and the inquiries are not mine.
Product: Debt collection

To Whom it may concern! 

I have disputed these item since XXXX I have seen where the disputes have been taken off for a month and then put back on my credit report. I have seen multiple inquiries that have been ran under my social security number the last time that I applied for credit was in XXXX. These error have basically destroyed my life I have been a product of 9 data breaches starting the later part of XXXX until current. Every day I get a letter from a company that the data has been hacked. I have asked multiple times for the original contracts on all of these account but have not received one to date. I have gotten things from address that I never lived at the only address you should have is the one listed on my credit report stating with XXXX XXXX XXXX Could you all finally due your job and thoroughly investigate these disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continue to report on my credit report despite the previously sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$890000.00}
Product: Checking or savings account

I have had accounts with NFCU since XXXX. I have logged into my online account since XXXX, and used XXXX XXXX XXXX for logging in and all my browser use since XXXX. It refuses my login after 16 years of my logging in : it has trackers installed. These trackers include XXXX and XXXX and XXXX. ( See attached screenshots. ) This is underhanded, violating privacy, and should be illegal for a financial institution. It apparently wants me to disable my tracking blockers. I have exclusively used XXXX or other XXXX XXXX since XXXX. The FTC even has several web pages on how to protect privacy in four different browsers. Since XXXX or earlier, NFCU login page has intermittently refused to allow me to log it. See attachments including rejection message. I had not previously had trouble logging in. I have called with a complaint to NFCU at least once. They did nothing but tell me to use XXXX  browser or restart my wi-fi : XXXX XXXX has worked for XXXX years of my use. I reported it to the XXXX with no response. The login rejections have become more frequent. I refuse to disable my ad blockers and tracking blockers. NFCU 's response to use XXXX because its programmers flunked everything but XXXX in high school is unacceptable. XXXX  violates privacy. Its other responses to reset my computer and wi-fi worked intermittently, and now do not work at all, and are an unacceptable " solution ''. I attach several screenshots of my blockers blocking XXXX trackers, XXXX trackers, XXXX analytics, XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. It is unethical for any financial institution to have XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX ads and trackers. That is a reprehensible practice by any institution, but even more suspicious, unethical and criminal when practiced by a member-owned financial institution.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Account Information due to Identity Theft I am writing to formally notify you that I am a victim of aggravated identity theft, and to request the immediate removal of inaccurate information from my credit file, the account associated with Court Case # XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me, and the information being reported is false. 

The reported account refers to an address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, which I have never resided at nor have any association with. This discrepancy stems from the TransUnion data breach and is directly related to fraudulent activity, which has resulted in the creation of this false account under my name. I have never had any business or personal ties to the aforementioned property, and I believe that this issue arose due to identity theft facilitated by the breach of sensitive information. 


The inaccurate reporting of this account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and should be addressed immediately. Specifically, I request the removal of all information related to this case and the listed property, as it does not pertain to my identity.

As per 18 USC 1028A, aggravated identity theft is a crime, and under 15 U.S. Code 1681c-2, you are required to block any information that results from identity theft, including public records, from being reported on my file. Since this account is the result of fraud, I urge you to comply with the statutory timeline to block this information from my TransUnion/XXXX  housing report, as it is inaccurate and does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX, I needed to dispute a transaction of the amount of XXXX that was wrongly put on my account by a merchant on XX/XX/XXXX. I originally was working with the merchant but than after sometime they stopped replying to my emails and answering my phone calls. So I contacted Chase, my bank, and asked the amount could be disputed. They claimed everything would be fine and submitted my dispute. 

A week later, before my document which gave them permission to investigate this charge on my before even arrived the case was automatically closed. They never asked for any proof or any documentation from me. It was clear they never even reached out to the merchant. 

I spent literally from XXXX on hold, being bounced around from rude customer service specialists who would transfer to someone else just to get rid of me, only to have to be transferred back to that department and be on hold for another 50 minutes. Two of them hung on up me and recorded as a disconnection but it was clearly them hanging up on me. 

After all this it turns out the person incorrectly categorization my claim as a recurring monthly payment which I tried to cancel instead of merchant error. However, they refused to reopen it with the correct categorization. And I asked for a literally an entire day and they adamantly refused to help me with this issue that they themselves caused. 

Upon doing some research into this, it turns out Chase 's dispute department has a history of pulling this stuff. Do not bank there, I banked there for years and their customer service has been pleasant for the most part. But their dispute department are rude, and do not care about protecting your money and that's what is most important. I advise everyone to bank else where because you have no recourse if your the victim of a merchant error or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 




I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit card

I have disputed transactions, double charges, by the time I get a repose its been over three months when I finally do get a response it was to let me know that they had denied my claim because it had been over 30 days, I've advice that it took them 3 months to respond so how is that my fault? literally had no response and just apologize said id still have to pay for something I did Not purchase more of a system error, from having a balance of about {$400.00} one moth the next bill was about $ XXXX I called to ask what was the purchases for? I asked for proof of purchase, itemized bill, they mentioned I was also late on my bill advice them I had paid my bill on time, they said after submitting minimum payment of the {$400.00} balance they day after my balance had gone up so my minimum had change I advice I didn't understand how was that possible and was also charge a late fee even though I paid my bill onetime. 
every time I called I get put on holds get transferred back and forth to different departments and no one can ever help me. I've requested itemized bill, they said they can just go over it while on the phone, I said no I need it in paper because they debt that I am being charge for is a big difference then what I believe I purchased, specially because 6 months prior I had paid in full. & the only big purchased I had made were XXXX sunglasses for {$370.00} and no other purchases had been made. No one has been able to help, I've been told I just need to pay for it to stop affecting my credit and an apology over the phone, now I am currently in collections Macys is the worst.
Product: Credit reporting or other personal consumer reports

The credit report is still showing XXXX AND XXXX accounts as charge offs. I have paid off these accounts in full dealing with the banks directly and there is no outstanding balance on any of these accounts. Please note the details below : XXXXXXXX XXXX XXXX AMOUNT PAID IN FULL- {$7700.00} XXXX XXXX XXXX AMOUNT PAID IN FULL - {$3500.00} I request to review these and ensure they don't show up as charge off on my credit report going forward. Thank you in advance for your understanding and help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

KAY JEWELERS XXXX XXXX XXXX. 
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though Kay Jewelers was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently. 

THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.