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

I live in Ohio and I was saving my money on my bank card through the company I work for. It was a Wisely bank card. I never used the money. I gave the card to my grandparents to hold for me so I could save and get my own apartment, Im living with my grandparents.The only time I used my card was for insurance on my car which was done by phone. I went to withdraw some money and It said I only had x amount left. I had saved almost XXXX XXXX on my card before my insurance. After looking at my account, I seen that I had numerous charges to a XXXX XXXX XXXX Arkansas XXXX I've never been to Arkansas. I seen numerous others having same problem. I contacted Wisely they said they see no fraudulent actions and I had to write a letter to send to Wisely bank in California to dispute their decision. My friend who works at same place using same card got ripped off from same XXXX XXXX got reimbursed but they will not reimburse me? Now Im locked out of my account and only have a few screen shots of some of the transactions. Which Im glad I have at least that, but they are saying it was only XXXX, amount, but thats almost a XXXX off. Can you help me? Most of the transactions are in XXXX and a few in XXXX, all to the XXXX in XXXX. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX on this day ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, two on this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Credit card or prepaid card

On XX/XX/2022 I received a text from a rep that said he was from The Lending Tree and to advise that I was approved for {$5000.00} loan and to call to go over the details. Advised Rep that I only need to borrow {$1000.00}, he said no problem. So the process was a follow : Rep stated that he needed my credentials from my bank so his accounting department can deposit the money to my checking account. So I did. He then said to go to XXXX and purchase some Gift Cards. Once I am the XXXX parking lot to check my checking account and see if the money was deposited. I did check and the money was in my checking account. I went inside XXXX and advised Rep that there were no gift cards that he was stating. So He said how about XXXX, I said yes, he said at check out chose {$200.00} limit, get 2, next get XXXX and chose {$50.00} which I did. I used my checking account Debit Card and the purchase was made. Next day XX/XX/2022 Rep called me to ask if I had changed my credentials, I told him yes I did, once I saw the money in my checking account, that is when I changed everything. He then said that he would need the new credentals in order to get the actual {$1000.00}. I told Rep that I could not do that as my bank was doing an investigation and would not release the funds until they completed their investigation. Rep was not happy. I told him once my bank has completed their investigation I would call him. On XX/XX/2022 called my bank and was told that they are returning the check the Rep deposited and I was now in the red and would have to pay back my bank. This is how the email heading come thru : From : LendingTree LLC. XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022 at XXXX XXXX  XXXX Subject : Approval Letter From LendingTree LLC. 
XXXX XXXX Direct Line- ( XXXX ) XXXX Customer Service- XXXX XXXX ) XXXX XXXX LendingTree LLC
Product: Bank account or service

I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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
Product: Debt collection

To whom it may concern Im a victim of identity theft. Ive also sent a police report I have contact the three credit reporting agency and the debt collectors stated the same fact and Ive also mail an used AI online dispute letters months ago to verify the debt and also to update personal information. Nothing was done no response.
Product: Checking or savings account

US Bank Stole {$6200.00} from my business account. 

On XX/XX/2022 US Bank deducted {$6200.00} from my business account without any prior notice by phone, email, or letter. I called US Bank customer service on XX/XX/2022 and was advised that the {$6200.00} was a reversal of a previous credit issued on my debit card. After several more phone calls I was advised to submit documentation regarding the claim filed which I did through the local branch on XX/XX/2022. 

On XX/XX/2022 I was advised by customer service representative XXXX that the case had been resolved and that the {$6200.00} would be back in my account within 24-48 hours. 

On XX/XX/XXXX, I called once again and was advised that the information I had been given by XXXX on XX/XX/2022 was not accurate and that my case had still not been looked at but it had been escalated to a supervisor named XXXX. I asked for XXXX information and phone number and was told that nobody has access to the dispute personnel not even branch managers and that I would be contacted within 24-48 hours if more information was neccessary. 

On XX/XX/2022 I received a phone call from dispute supervisor " XXXX ''. XXXX said because the documents were not sent in within US Bank guidelines the {$6200.00} would not be returned back into my account. I asked if the money was being returned to the merchant and XXXX advised that it was not and that US Bank would be keeping the money. XXXX was very beligerant and her attitude was very non-chalant. XXXX said there was nothing more she would do and if wasn't happy I should send a letter to XXXX XXXX the bank President in North Dakota. 

I asked XXXX to confirm the address that the document request was sent to and if the call was being recorded. She said in fact the call was being recorded and on the recorded line she read me back the address that DID NOT include my suite number which is why I never received the document request. I asked her also why it was ok for her to call me and tell me US Bank was keeping {$6200.00} but they could not give me a courtesy call to let me know that they needed additional documentation to support my case for {$6200.00}. In a very beligerant manner XXXX replied that supervisors never called out for information and it would be impossible to call given she had over 100 cases per day to look at. XXXX also went on to say that the document letters are auto-generated and the revocation is automatic if the deadline expires without receipt. 

This appears to be an effective strategy for US Bank to steal thousands of dollars from their account holders and a criminal investigation should be done by the FBI for wire fraud and bank fraud. 

I will be sending letters to the Attorney General in Arizona, North Dakota, and MN to advise them of my situation as well I will be copying my local Rep Congressman XXXX and XXXX XXXX.
Product: Debt collection

The credit check is reporting incorrect info I signed an agreement with the chiropractor for XXXX $ not XXXX . I had insurance at the time which paid for care. 

Told people that werent me I owe XXXX grand also told me to get a job.
Product: Checking or savings account

I tryed to pay for food through there, on. Line. Service to get food and did not get to order. There, all " so '' is a fraud procees. An bank account to Food Stamp card arrangement cause the bank did not give XXXX to me for the food purchase at XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
SYNCB/BELK XXXX
Product: Credit card

I ordered a tablet from XXXX ( order # XXXX XXXX, and my credit card was charged, however I never received the tablet. After a couple of weeks, I called XXXX and told a representative that I had n't received it. He told me that according to the tracking information, it had been delivered. I asked who had signed for it, since I had been home, and he told me a signature was not required. I explained again that I had not received it, and asked them to credit my account or send a replacement. He said that he could n't do that, so I asked to speak to the supervisor. After speaking to the supervisor, he told me the information given by the representative was incorrect, and I would be issued a refund within 10-12 business days. Two weeks later, I received my credit card bill, and the refund had not been issued. I disputed the charge with my credit card company XXXX Discover XXXX, and they said that according to the information given to them by XXXX, the charge was valid. I called Discover and explained the situation to them, and they re-opened the dispute, however I just received another message stating that according to the information given by XXXX, the charge had once again been found to be valid. Not only did I not receive the merchandise, but XXXX agreed to refund this amount, and now they are forcing through an invalid charge on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is been deleted by transunion twice and is back again with no proof or notice from transunion. The account has the wrong balance wrong birthday It was never validated by proof or shown the ownership from the original creditor I have been shown a bill with the wrong info on it Please show the contract and a contract and receipt of purchase of the debt from the original creditor
Product: Checking or savings account

My phone and my wallet was stolen and some one used my info to withdraw {$600.00} from my account that I did not authorized. Once I noticed this I immediately contacted Wells Fargo to file the claim. I called them to get an update on the claim and they told me that they denied but would not tell me why. I have filled a police report and I told them that I will give that police to further support my claim but they told me no that it would not make a difference. At this point I feel Im being discriminated against because Im a XXXXXXXX XXXX because they are questioning my integrity and being very insensitive when I told them that my things were stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX  XXXX  XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXXBalance Owed : XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit card or prepaid card

I have had an account with Capital One since XXXX, and on XX/XX/XXXX, we began to receive charges on our cards at the XXXX in XXXX, XXXX XXXX usually in the XXXX dollar range, but some as high as {$70.00} and XXXX as low as {$30.00}. We contacted Capital One about these charges, and initially, they took them off. Subsequently, however, they wrote that they had found no reason to believe that the charges were not correct. After more correspondence, they finally agreed to remove the charges. We cancelled the cards, and I thought the matter was closed. Then, we began receiving statements with one of the XXXX charges still on our account. On XX/XX/XXXX, I notified Capital One that this was a disputed account and that the application of late charges and interest was thus illegal. Nevertheless, Capital One continued to apply these charges to our account. I wrote Capital One again on XX/XX/XXXX and on XX/XX/XXXX, reemphasizing that the amounts on my statement are disputed and that Capital One should not apply late charges. Finally, on XX/XX/XXXX, I wrote to request an itemization of any charges due and payable to Capital One. In response I received a form letter telling me that Capital One will not deal with me through written correspondence. In the meantime, they have caused my XXXX to drop XXXX points. I have copies of all correspondence. Their case number XXXX
Product: Money transfer, virtual currency, or money service

I contacted Crypto.com on XX/XX/year> via online chat and was directed to email representatives. I needed to get back into my account which had been hacked months ago. It was a very difficult process to get back in my account. Repeating and repeating again video and photo verification of my driver 's license and my face. I communicated back and forth with their representatives several times a day most days from XX/XX/year> until now. Finally, they took me through a key last step they had not done for over a week. I was told a representative would telephone me in person to verify my identity. I asked via email for this phone call each of the following five days and he finally called in the middle of the night and asked security questions, verified my identity that way. I asked him if the hacker had taken all my crypto, and he said it looked like there was still a balance in there. I was finally in my account on XX/XX/XXXX, and found the hacker had sold my crypto and bought a bunch of gift cards with crypto.com pay, but there was still about {$700.00} in the account. When I tried to withdraw it, that option did not come up, I was not allowed to. When I tried to use it to buy crypto, I was not given that option. When I tried to use it to pay for gift cards ( at least try to get it that way ), the app kept buffering on and on for hours. So, that option was not available to me either. I contacted crypto.com again on XX/XX/XXXX th to ask them to address this problem. No response. So, I tried to contact them again through my new email, and they started a new email chain. Several emails and verifying my identity several times later over XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, I am reporting them. Today, they ignored my problem, and instructed me in how to yet again verify my identity via video twice and reset my XXXX again which was not necessary as I explained again and again that I was already in my account and I needed my funds unfrozen so I could transfer my money. They just sent me another verify your identity email though I just did that two hours ago. They are clearly giving me the runaround. I think Crypto.com hopes I give up and they can keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, XXXX  and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX  and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a XXXX  military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

After several large payments made towards the loan, the balance only continued to increase because of the astronomical interest rates 206.73 % and 425.45 % they charged.