23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I did a balance transfer 2 to be concise the 3 one by error i paid off XXXX  XXXX instead of XXXX It was a accident, I then recieve a TEXT from WELLSFARGO is this you do you approve this I responded No, cause i wanted the funds to go back to Wellsfargo acct, I called I have PROOF phone records over 15 times asked why am I locked out of my accoount for days I couldn't utilize my card they if you listen to the recorded messages they kept LYING gaslighting me shifting me for hrs at a time back and forth to the FRAUD dept, this went on 3 weeks again check the recorded conversation, I then get a survey asking how is their service I told them its horrific and they are incompent well from that moment on they placed me still to this day my account in a FRAUD FILE meliciously and will not remove it and if you check my credit score droped XXXX points I then was told over the phone we cant help you you need to go to the New York Bank mind you I am battling a severe medical condition I reside in XXXX, the New York location is 2 hrs away to and from I make a appt with XXXX XXXX XXXX I was in his office XXXX hours they kept abusing me I found out this is typical of Wellsfargo they do this to customers that write honest negativ reviews and they harassed me and the Banker if you listen to the tape for XXXX hrs and never allowed me to perform my balance transfer my spouse is in law enforcement and said just google them they got a big F from the BBB they were busted for alot of fraud and are literally gangsters, I need someone from this dept to ask why did it take XXXX hrs of my time and the Bankers time in XXXX they countinued to XXXX  and XXXX me and an additonal XXXX hrs combined I will submitt proff of text I received when they kept LYING sorry we dont have your number the Banker XXXX XXXX off the phone was on speaker and hes telling XXXX XXXX XXXX XXXX XXXX who was in the the XXXX  XXXX  XXXX is on the screen and her phone number and shes here showing me text and emails from XXXX these peoplea are XXXX  XXXX  XXXX  and have cost me mental and emotional distress, Please crack the whip get ALL THE RECORDED CALLS and the XXXX hours they made me go to XXXX and continued XXXX  me, the Banker name is XXXX  XXXX career criimals need to be held accountable They are so vengeful they dropped my XXXX XXXX which was in the Excellent range XXXX Points just google them please, I was told by my neighbor they took a deed out on her home and she had to file criminal charges on them several yrs ago
Product: Credit card or prepaid card

On XX/XX/21, my Wells Fargo Credit Card ending in XXXX had fraudulent charges from XXXX XXXX in XXXX XXXX. The first charge was for tickets in the amount of {$1700.00}. The second charge was for food vouchers in the amount of {$980.00}. I immediately called Well Fargo to report the charge and they closed my card ending in XXXX and issued a new card. On XX/XX/21 I received a voicemail from Wells Fargo to call them about my card that was closed. I immediately called back the number provided XXXX and spoke with a rep. She looked at my account and stated everything looked good and both charges are removed, account XXXX was closed and I verified I had no unauthorized charges on my new card. I few days later, I see the good voucher amount of {$980.00} posted back onto my new credit card and has a posting date of XX/XX/21 which I believe is incorrect due the the date I spoke with Well Fargo on XX/XX/21 and verified all charges and {$980.00} was not posted. I get a letter from Well Fargo stating they found the charge of {$980.00} to be valid. I have had Wells Fargo re open my case twice, asked for reasons they deemed food vouchers valid yet tickets purchased were identified as fraud. I have not received any paperwork showing their investigation and reasons. I have asked for a supervisor to call me and no return call. I recently opened a City of XXXX Police Report XXXX. I refuse to pay charges that I did not authorize. I feel Wells Fargo investigation department is not properly doing their research when they determine XXXX XXXX tickets were fraudulent, but food vouchers from XXXX XXXX are valid.
Product: Credit card

XXXX a refined version of your statement with improved clarity and coherence : In XX/XX/year>, I booked a round-trip XXXXXXXX XXXX ( XXXX ) ticket through Amex XXXX XXXX XXXX my Amex credit and credit card. The confirmation email did not mention that the ticket was non-refundable. 

About a month before my departure, I contacted Amex XXXX to inquire about the refundability of my ticket. The representative assured metwicethat I could receive a refund up to XXXX day before departure and even asked if I wanted to proceed with the refund at that time. Since my itinerary was still uncertain, I chose not to cancel immediately. 

Later, when I finally decided to request a refund, I was informed that my ticket was non-refundable. I had never been made aware of this restriction, and I had received explicit confirmation that a refund was possible. I requested access to the call recordings to verify the misinformation provided by their representative and asked for appropriate compensation. 

XXXX months passed without any response from Amex XXXX. They closed my claim without notifying me. When I followed up, I was told that they had confirmed it was indeed an error by their employee, yet they still refused to provide any compensation. 

This situation is deeply frustrating, as I relied on their incorrect information when making my decision. I believe Amex XXXX should take responsibility for their mistake and provide fair compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 via certified XXXX mail a letter was sent Experian requesting Incorrect personal information be removed from my credit report. In this letter the correct info was provided and proof of changes were also requested. 

As per the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute and request the removal of inaccurate information from my credit report, and for this to be done in a timely manner. To date, Experian has not responded to my request nor have they updated my account. 

I am a victim of Identity theft and this absolutely continues to make me susceptible to identity theft.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PNC bank apparently is not compatible to add so that I can transfer stocks with XXXX. Because PNC does not participate with them, I will have to find another bank account or something.
Product: Debt collection

I attempted to work with this company with resolving the debt owed but due to financial issues I have not been able to. I have now enrolled in a Debt Consultation Company and am working with them to resolve my debt. My debt was accrued by an arson case I experienced at my personal property resulting in tens of thousands in damages. My insurance covered some, and I took credit cards out to repair additional. I never had credit issues in the past before this. Now over the course of years of playing marry-go-round with the creditors I am working with this Debt company for a resolution. 
My primary complaint is that : now I am being contacted at my place of work. Which I have now been informed is actually illegal and a form of harassment. I feel that it is very unprofessional for me to be receiving these calls and need them to stop. I am trying to work something out, but times are hard.
Product: Debt collection

I have received countless phone calls and text messages after I made sure that I don't need a reminder or any type of contact on the website. I have removed that feature a month ago and still experiencing harassment from the company. Attached to this complaint will show the number of text messages and phone calls I receive within days. This company is looking for payments of {$130.00}. Making it a total of {$2600.00}
Product: Mortgage

I have attorneys contacting me about a debt that they are not legally allowed to pursue according to law 15 USC 1629E ( 3 ). Also, this debt has been removed from my credit report already and there still coming after me. There has been a lot of suspicious activities from these attorneys that are trying to take my home and they don't even have the promissory note.These are the attorneys involved XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX Attorney for Plaintiff XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Telephone:XXXX Facsimile:XXXX Service Email : XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida Bar No . XXXX Communication Email : XXXX XXXX
Product: Consumer Loan

harassing collection call at work during work hours and account is not even 16 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FRAUD ALERT FROM MY CREIDIT PROFILE!!!!!!! 

I did not request a fraud alert be place on my credit profile. 


Equifax will not remove the fraud alert from my credit profile!!! 
I have also placed a complaint the with XXXX because now Equifax is playing games.

You can not play games with peoples credit Your complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX  We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 

What Happens Next? 


XXXX XXXX XXXX XX/XX/XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX VA XXXX tel XXXX
Product: Checking or savings account

XX/XX/year> I opened a Chime account because I wanted to send my brother money for his birthday, and because he lives XXXX, Chime is the only American company he can receive money though. Chime has a {$25.00} minimum deposit requirement but I only wanted to send my brother {$20.00}. I sent the {$20.00} to him fine with no issues. I attempted to send the remaining {$5.00} back to my external bank and received a message saying that before I could complete a transfer, Id have to activate my Chime debit card when it comes in the mail in XXXX weeks. I reached out to their customer support via chat and was told that this was to be looked at by the internal team and I would receive notification regarding their update. 

XX/XX/year> I log into my Chime account and am met with a message stating that my account has been closed and if that if thought it was a mistake, to call or email their customer support. I immediately called, and after being placed on several holds, was told that my account was closed for not complying to company guidelines and that I was not eligible to have my money returned. This sounded absolutely bizarre so I inquired about why exactly the account was closed, as I had only deposited and sent money ; {$20.00} at that. And the person I chatted with the day prior didnt state any wrong doing on my end. I was then told thats all the information I could be given, so I asked to speak to someone above her or for her to escalate the call to someone who could explain why exactly my account suddenly was closed. She said should wouldnt escalate repeatedly and that theres nothing I could do. She said she had to end the call and that was that. I then emailed the address provided and was met with an auto response stating that you have to call them. This is obviously set up to scam people out of their money.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I called 1st Franklin Financial to see about increasing my loan. I was told that there was a flag on my account placed by the manager which stated they would not lend to me because I lived in another state. I explained that is not true and I only work in another state but my legal residency is maintained in South Carolina. I also explained that I could prove this through my taxes or any other documents. XXXX told me that the manager was gone until Monday and that they were not going to bother him and that I could not speak to corporate. She told me she would give the Assistant Manager my number and have him call me back. The next day I got a call back from XXXX telling me the same thing and that I could try back on Monday with the manager. On XX/XX/19 I called back and asked to speak to the manager, to which they would not allow me. Shortly after asking why, the manager got on the phone and asked what I wanted. I explained I would like to increase my loan. He stated he would not take an application and that he would not lend to me because I live in another state. I explained that this was not true and that I could prove it with legal documents, car registration, ID, taxes, etc ... He told me that I was " Trying to commit fraud '' and that I was " trying to pull the wool over his eyes '' He also stated that If I asked him again, he would pull my credit without my permission and send me a denial letter. I told him good day and ended the call. After that, I called their corporate HQ and made a complaint. A few hours later the Regional Manager called and apologized to me for the way I was treated and threatened by XXXX the manager. He offered no solution what so ever. I have had 3 loans with this company and never missed a payment.
Product: Debt collection

XXXX service was purchased through XXXX XXXX XXXX on XX/XX/2018. Immediately received poor quality service and reception through XXXX, subscription cancelled within first week. Also, continuance poor customer service through XXXX XXXX XXXX. 

The next month a charge was taken out of a bank account for a total of {$460.00}. After calling several times regarding this issue continually not being resolved, and being transferred countless times and spending hour upon hours on hold every single call just to have half of the calls transferred to non existent numbers and needing to restart the process time over time again, and being told the issue was going to be resolved, a rep informed me it was a ETF, which could not be refunded, despite being told several times the charge was made in error and was going to be refunded. After XXXX XXXX XXXX refused to refund the money, a complaint was made through XXXX XXXX   under the charged bank account. XXXX XXXX deemed the charge worthy of being refundable. The banked processed a refund for this charge. 
Started receiving phone calls regarding an unpaid debt that matches a previous amount charged through XXXX XXXX XXXX. This charge was for XXXX, the charge of the ETF through XXXX XXXX XXXX.
Product: Credit reporting

It was determined that a tax lien was filed against me in error. The Department of Revenue released the lien and the reporting of such lien by the Clerk of Courts. I sent a letter to all three credit reporting agencies. The lien was removed from my XXXX and XXXX credit reports, but Equifax refused to honor the letter. I contacted them again regarding the matter and they still refuse to remove the error from my credit report.
Product: Credit reporting or other personal consumer reports

URGENT :!! Opportunity to Cure NOTICE!! Re complaint ( XXXX ) Experian failed to prove their investigation as valid and complete. PLEASE PROVIDE ME WITH the name, agent number and position of the representative for the vendor who alleges to Verify AND VALIDATE the debt, And to provide everything in writing involving the communications between both parties, including all information of the of the creditor and access code used for that extension of credit! The Credit Reporting Company failed to report fairly and accurately. If they would like to remedy this issues they would need to remove both XXXX XXXX and XXXX from my Consumer Credit Report. Although I provided sufficient proof of the intent to Opt Out to those corporations, sent to ( Vendors ) exhausting the full administrative process. The Accounts were removed from other consumer credit reports like XXXX, etc. Proof of this claim was also submitted in the aforementioned complaint. However they have yet to be removed from Experian 's report. So I Reach out to Experian Personally the " Credit Reporting agency '' to inform them that they are " receiving information under false pretenses '' From XXXX XXXX and XXXX and to remove those accounts because they do not have my consent. In accordance with my Privacy right as emphasized in ( Regulation P ) the right to Opt OUT is not a debate. I reached out to Experian so that they may remove those accounts off the consumer credit report and remain in honor. It was quite shocking to see the reporting agency not fail to provide an adequate search in such an extensive amount of time but to also not remedy the account upon proof of claim. Instead the Corporation seems to be in favoritism of one party. To aid and embed that company in violation of consumer rights may unfortunately result in RICO charges and civil money penalties for Experian and its representatives. If this was caused by a mechanical or Inadvertent error by Experian then please remedy the matter as soon as possible since Experian has already used its 60day chance to cure. I will allow ( 5 ) BUSINESS DAYS FOR THIS TASK TO BE COMPLETE. If this task can not be completed please respond in writing of the reasons as to why Experian refuses to honor my claim. If in the ( 5 ) business days Experian does not respond I will assume that the performance was completed.
Product: Debt collection

I am receiving emails from Indebted about an account XXXX XXXX XXXX has and appears to have something to do with COMENITY CAPITAL BANK ( in partnership with : XXXX XXXX XXXX XXXX ). We haven't done business with either companies so there should not be any account.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter regarding an account associated with XXXX XXXX XXXX XXXX, a company with which I have no recognition or connection. Despite my diligent efforts to seek validation and clarification on this matter, I have yet to receive a response from XXXX XXXX XXXX XXXX, and the situation continues to be a source of distress and confusion. 

The account in question, identified by the reference number XXXX, was brought to my attention when reviewing my credit report. To the best of my knowledge and belief, I have never engaged in any financial transactions with XXXX XXXX, XXXX, nor do I acknowledge any debt owed to them. The absence of any recognizable connection to this company raises serious concerns about the accuracy and legitimacy of the reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Credit Inquires are on my Transunion Credit report and I did not Aurthorize them and have spoke to Transunion on this several times and they said they would remove them and have not. 

The Inquires and Dates National Debt Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX 2 Inquiries date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Product: Checking or savings account

I had an account with Wells Fargo a while ago and the reason I don't have it any more is I had them to close my account because money kept disappearing from my account and when I went in to the branch to complain or called customer service they didn't know where the money was disappearing to and couldn't tell anything which as disappointing, I don't have the account any more but now since it's an investigation there should be a way to find out about my missing money. 

Thanks.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

This company reported an overdraft of {$XXXX} to XXXX before they ever investigated my claim. I reported them to the CFPB and they gave me monetary relief of {$XXXX} because they were wrong. They however, have not removed the information from the XXXX. I applied for a bank account today with XXXX and was denied because of this fraudulent reporting. 

See CFPB report XXXX.
Product: Credit reporting or other personal consumer reports

o whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to TransUnion on day asking them to reinvestigate these accounts : XXXX  XXXX and here is my they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. 

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and