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

My complaint is with Wells Fargo Bank. I had an incident of fraud on my checking account, and the case HAS BEEN RESOLVED, yet they STILL won't give me my money back. 

On XX/XX/XXXX, my rent check ( check # XXXX in the amount of {$1700.00} ) was intercepted and fraudulently cashed. The fraudster forged my landlord 's signature and cashed the check. I reported this immediately to the Wells Fargo Fraud department.

The case/claim number is : XXXX. 

It was a clear case of fraud, but Wells Fargo said in order to resolve the issue and credit my checking account with the missing {$1700.00}, both myself and my landlord ( who was supposed to receive the check but never did ) had to sign an affidavit saying she did not receive or cash the check, not did I cash the check unlawfully. 

We both signed and returned the affidavit and Wells Fargo confirmed that they received it. 

That was on XX/XX/XXXX It's XX/XX/XXXX and I STILL have not been reimbursed the {$1700.00} in my checking account from Wells Fargo. I've made multiple calls to both their fraud and complaint departments, only to get brushed off and say they'll contact me with a " letter by the mail in 10 business days. '' No matter how firm I am, or how much I try to escalate the issue, Wells Fargo refuses to put my stolen money back into my account, while they continue to remain silent.

It's been 5 months. Please help! 

XXXX XXXX XXXX XXXX Wells Fargo Fraud case/claim number : XXXX
Product: Checking or savings account

On XX/XX/year> I went into a XXXX to purchase a money order for {$2700.00}. {$1000.00} was paid in cash and {$1700.00} was purchased in my Chime debit card to pay rent. The money order machine was not working and the employee voided the transaction. The XXXX employee assured me that the transaction would not go past pending on my debit card since it was voided shortly after and refunded the cash immediately. On XX/XX/year> the transaction posted. I disputed the transaction with Chime the same day XX/XX/year> and provided the voided receipt as evidence. The claim was denied. I asked for documentation as to why it was denied which was promised but never sent. The only documentation they provided ( sent on XX/XX/XXXX ) didnt make sense as to why it was proof ( its included as an attachment to this complaint ). They said I could file a rebuttal with more proof. I filed the dispute again on XX/XX/XXXX and this time went back to the XXXX store where I attempted to purchase the money order and asked if they could reprint my receipt and if a manager could write a letter verifying that the transaction was indeed voided. The manager checked security footage, transaction records, then talked to the employee who helped me. After this research he agreed to write me a letter to help my dispute because it was clear I should have received a refund. This letter included his name and the phone number of the store if follow up was needed. ( All evidence I provided has also been uploaded ) the claim was again denied on XX/XX/XXXX. I contacted Chime and asked why it was again denied. They stated that the dispute was filed under the wrong category and would be filed under transaction not refunded. On XX/XX/XXXX an email was sent requesting to answer questions about the transaction. Which I responded to in a typed letter and uploaded via a link. On XX/XX/XXXX the request was denied again.
Product: Credit reporting

My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, XXXX, and Equifax ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible. 

Your expedited assistance is greatly appreciated. 

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

This morning, I was surprised to find incorrect accounts on my credit report without any explanation. I check my report regularly, but this time, there were unexpected inconsistencies. Hoping it was just a system error, I refreshed my browser, but the accounts did not disappear. Because of this, I request a thorough review of the documents Ive sent to ensure this issue is fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping  careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

Charge off 's and or write off 's are written to the company as a profit loss. I was supposed to receive a XXXX for this charge off XXXX charge off 's actually and I never received XXXX for either XXXX of my charge off 's. I also did NOT receive any notification of the account being charged off. I found out through logging into XXXX and saw the derogatory marks on my credit report. It's still reporting I owe a balance even though the company took a tax BREAK.
Product: Vehicle loan or lease

I have placed dozens of emails and telephone calls about lowering our car loan from the Bank of America to {$500.00} per month plus increased interest because my beloved wife XXXX and I are senior citizens of advancing years with very serious health problems that put us at HIGH RISK in the novel coronavirus pandemic. This means we can not work. 

I have repeatedly emailed and telephoned Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey and have called the 800 car loan number and have spoken to XXXX who also works in the XXXX branch for a reduction of the loan payments to {$500.00} per month. 

The Bank of America refuses to answer my request and these is after more than three ( 3 ) weeks of my retesting that it lower the loan payment per month. 

The Bank of America is being cruel by denying my beloved wife who is co-signer and me!
Product: Credit card or prepaid card

Bank-USAA XX/XX/XXXX, my money ( {$240.00} ) was taken from my checking account in an auto draft for payment towards my credit card account. The amount of {$240.00} was never credited to my balance, and I have called and gotten hung up on twice, as well as had 3-4 chat conversations with help agents. One of the agents said that they would open an investigation of sorts to see why my payment hasnt applied. They said it would take 2-10 business days. I have waited  and have not been contacted at all by USAA neither through phone calls or emails. I have proof that it was taken out on the XXXX, and a letter from USAA themselves saying that they are taking the money a week before the charge went through. 

As it stands now, I have another auto draft coming on the XXXX of XXXX and I am wary of losing more money.
Product: Credit reporting or other personal consumer reports

The following accounts need to be removed. 
XXXXXXXX XXXX does not look familiar to me nor does the XXXX XXXX XXXX XXXXXXXX was closed and completed and needs to be remover also. XXXX  doesnt sound familiar and XXXX  was completed.
Product: Credit card

I have attempted for the last two months to pay my bill online. I either receive the following message : You can't sign in right now. Feel Free to try again later or try on the Kohl 's XXXX ( XXXX, XXXX ). Or I receive a message that the account is locked and I have to reset the password. 

When I spoke with customer support they sidestepped the issue of the online payment system and suggested that I pay in person or by telephone. 

I am not the only person that this has been happening too as there are numerous complaints about this same issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by XXXX, XXXX, and Equifax. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting ( Transition, and XXXX ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and XXXX XXXX are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to Experian for them to investigate a series of items, including personal information that needed to be changed in my file. 

Experian didn't even look at the letter and replied with a " GENERIC '' response stating that they can't re-investigate as it was disputed earlier. 

The problem is that I disputed PERSONAL INFORMATION with new accounts being disputed. How can they say that they can't re-investigate when it's the first time me doing this? 

Not only did they fail to look at the letter but it was as though they didn't even care to read and just sent me a generic reply.
Product: Credit reporting

TransUnion file # XXXX, will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/15. Collection XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX 2015! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX 2015. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX 2015 and having my credit scores raised for the months of XXXX and XXXX 2015. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/14 with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX 2015 and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XXXX of 2015 and moving forward.
Product: Debt collection

has used dozens of numbers to harass me daily for a debt that I did not take out with them. These are the numbers used in XXXX : XXXX, XXXX
Product: Money transfer, virtual currency, or money service

PAYPAL FORCEFULLY blocked my good credit cards to purchase things securely. 
They didn't explain what exactly is the issue but I believe i as a consumer has a right to buy items using Paypal! There is no security threat to buy legitimate items on XXXX! 
I can not buy even {$10.00} items on XXXX at this time. Causing a great break down on my XXXX XXXX   and stress + time.
Product: Credit reporting or other personal consumer reports

I disputed this with a Equifax because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX  and XXXX XXXX a friend sent me {$310.00} and {$85.00} via cash app. The {$85.00} transaction is showing as " pending '' and the {$310.00} payment is not appearing on my end at all. Cash App support says " We're aware of a connection issue that is affecting multiple features of the app, including logins, sign ups, and person to person payments. Please do not retry your payments while we work on a fix. For updates, please visit status.cash.app. '' There is no timeline for when the problem will be resolved. When I asked for further support I received the message " I'll get you to someone who can help. This may take a few hours, but you don't have to wait. We'll notify you when they reply. '' Cash App was aware of the issue, but made no attempt to notify anyone of the issue, instead I had to navigate through the support menu to see that anything was awry. I feel Cash App should have a duty to notify people that money being sent may not be received as normal, and could have stated so upon opening the app, when attempting to send money, or through a push notification. I had to select an option to be notified when the issue was fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax numerous times by phone and also by online dispute. I have a collection on my equifax report that has incorrect and inaccurate information. The collection states on my equifax report that the account for a XXXX collection was OPENED XXXX of 2019 when that is inccorect. I have asked equifax numerous times to remove the collection due to false information and have had no luck and continue to get shot down by them. The account is also not updating to fall off within the the seven year mark and continues to update with no luck on my end trying to resolve the matter. I appreciate our help in advance thank you.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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  has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a balance on my Care Credit account of {$4000.00}. I checked the email and it asked for a minimum payment of {$130.00}. I've always been paying no less of {$150.00} to help lower the balance as fast as possible. I checked my balance today XXXX XXXX, 2023, and my account balance had jumped to {$8600.00}. I immediately called to check if there was a fraud transaction on my account. A foreign woman answered my call but was no help. Her phone sounded like she was far and echoing. I kept telling her to repeat herself and fix this issue but she would negate the issue. I hardly understood what she said but from what I gathered, she said that some promotion had ended and that I should've received a statement with that wording. I looked for the statements in the past 3 months and didn't receive anything. So the {$4500.00} charge was pure interest. That's well over 100 % upcharge. Why did no one reach out? Why was the minimum payment so little?
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX $ .These following accounts have violated my rights. 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

XXXX XXXX Via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX