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

Hello, This email is in reference to the fraud department at Wells Fargo Bank committing fraud. I transferred {$4700.00} in funds from my WF savings to my WF checking account online with Wells Fargo on XX/XX/2016, which made my balance a total of {$4700.00}. I received word from WF asking if I made this transfer of funds. I confirmed the transfer was legitimate and I in fact made the transfer. I then wrote a check in the amount of {$3800.00}. When the check came through my checking account I received word from Wells Fargo Fraud Dept that there was a check that came through and asked if I wrote the check. I confirmed the check was legitimate and that I had written the check. I confirmed all security information once again. Even though I cleared their suspicions, the fraud department never lifted the hold on my checking account and then charged me {$35.00} in NSF charges. I called the bank to clear up the issue and asked that they refund the {$35.00} in NSF charges and clear the check. They assured me the hold was lifted and that they would refund me the NSF charges. They suggested the person I wrote the check to put the check back through my account, so they did so. Wells Fargo Fraud department still had a hold on my account AND charged me ANOTHER {$35.00} for NSF. I was unable to obtain my funds that I very much needed at the time! I do not have a WF branch in the state that I moved to but luckily I was on vacation and happened to stop by a WF branch to withdraw the money in person that I owed to the person that I wrote the check to previously -- had n't I done that I still would not be able to access my funds. I then called the WF Fraud department back today asking them to refund the XXXX NSF charges and was informed that I was only going to be refunded {$17.00} for one of them as a " courtesy. '' They explained that when the check came through the transfer of the funds from my savings account to my checking account " had n't yet cleared '' ( BECAUSE THEY HAD THE HOLD ON MY CHECKING ACCOUNT THINKING THE TRANSFER OF FUNDS FROM SAVINGS WAS FRAUDULANT ) and that was the reason for the NSF charge. I was never told this the 2 other times I called about the NSF charges, nor when I stopped by the branch -- they always agreed the charges were in error and agreed to credit my account. When you make a funds transfer from savings to checking, there is NO WHERE on the website that states the funds will not be available for any period of time. In fact, it states they are available immediately, as reflected in the balance. Today I transferred more funds from my savings to my checking account just to see if the system would state that the funds would take time to become available and it did not. The system stated that the funds were AVAILABLE under " available balance. '' I will attach all proof. 
Thank you for any assistance that you can give me. 
XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Mortgage

on XX/XX/2019 phh mortgage company took a XXXX payment out of my account after I had sent a XXXX amount as needed for my monthly payment. since they took over in XX/XX/XXXXfrom ocwen which I had a bank draft of XXXX  due on the XXXX of each month. when I saw it had not been taken out I did so. but so did they so it over drafted my account over XXXX dollars. on the 1XX/XX/XXXX I called to have them fix this issue and was told it take 7 working days so nothing so again on XX/XX/XXXX I called was on line 45 minutes waiting to talk to someone they told me it be done asap and so again I waited a few days later I get a letter from them letting me know again 7 working days so even with the fact I had to borrow money to cover bills. then on XX/XX/2019 they took another XXXX out of my account. so I called and asked where was my money and again I'm given it was a miscode and it will be handled asap I've spent over 3 hours waiting or talking on the phone and as of this letter XX/XX/2019 I have no money in bank I'm also XXXX out in overdraft fees due to there mistakes and failure to refund my money. I understand folks make mistakes however how long does it take to fix this?????
Product: Debt collection

Letter of NON CONTACT. 
XX/XX/2023 XXXX included no debt confirmation or validation, no agreement to pay any unknown outstanding debts with any entity, including XXXX XXXX XXXX XXXX XXXX 

Statement includes copy of NON CONTACT to : Ky State Atty Gen, Consumer Protection ; Federal Trade Commission ; CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX, 2024 Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX, XXXX Dear Customer Service Team, I am writing to dispute the accuracy of information reported to XXXX XXXX XXXX XXXX XXXX concerning multiple closed accounts associated with JP Morgan Chase. This information has been disclosed without my explicit consent, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 
Legal Basis for Dispute and Privacy Violation Claims Under 15 U.S.C. 1681, I am entitled to both accurate and verified information reporting as well as control over the disclosure of my financial information. Additionally, I am protected against unauthorized sharing of my personal data without explicit consent, as per Section 604 ( a ) ( 2 ), which limits the sharing of personal financial information.
Product: Credit card

My personal card was recently closed. My business card was behind and I had called to set up payments, which I did. A week later, after my payment plan was set up, my personal card was closed. I called back and they said they could submit my account for reinstatement, and that I should make a payment. I made a payment and immediately called back. Another person answered and said what the other person told me was not true. They moved me to a supervisor and the supervisor said that it was possible to be resubmitted for reinstatement. Told me to call back Monday. I called back Tuesday and the supervisor told me it was NOT possible and that they cant find information from who I spoke with AND they could not pull the call AND there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Equifax has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcome. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

XXXX purchased my new mortgage from the initial bank. When my wife had to call they wouldnt let her speak about the mortgage without my approval even though she is on the loan. As a result of incorrect information we were charged a fee they didnt delete. Someone from the presidents office called and told me it was a third party call center and confirmed all the information I wrote here. We had no choice to work with this company and they admitted giving bad information and treating my wife incorrectly. It sucks having such a poor quality company buy my loan and force me to deal with this
Product: Mortgage

I have owned my home since XX/XX/2008. 
The original loan amount was {$70000.00} I was told that PMI had to be included. 

I have paid my loan on time for over 12 years. 
The house is worth three times as much as I purchased it. 

Every year, I ask for the PMI to be removed and every year, I get a different story. 
This year, I asked and the representative told me that I indeed qualified due to I have paid up to the amount to remove only for Wells Fargo to come back and state '' now you need more money. 

I would like the PMI removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case # : XXXX ( deducted XXXX XXXX XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my Equifax credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.
Product: Credit card or prepaid card

Yes I'm on XXXX going thru hardship with bills etc. Living paycheck too paycheck. Struggling too make this months payment. Hope I can get payment deffered right now. Always on time with payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called because there was an open account on my XXXX report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking account online with Chase. I also opened a new savings account. I had already had an investment account that had no activity on it opened on the same login. 
I called about adding my spouse to my accounts- they told me to go in person to a branch to do so. 
I went to the XXXX branch on XXXX XXXX on Saturday XX/XX/XXXX. They told me that I would need an appointment - I have a XXXX and had someone pick me up to take me there. I told the girl that and she told me they'd try to fit me in. After two hours of waiting I decided to leave. They weren't helping. 
I funded the savings on XX/XX/XXXX by making a {$1000.00} transfer deposit to the account. On XX/XX/XXXX I made a mobile deposit by depositing a check of {$3500.00} from my current account at XXXX XXXX XXXX. 
On Monday, XXXX I tried to access my account online. As Chase 's customer service is horrible I decided to withdraw my deposits and close the account. I will bank elsewhere. My account had been locked. The message on the screen says : Important : We locked your account due to suspicious activity. 
To unlock it, call us at XXXX. 
So I called on Monday - XXXX- was transferred three times and sat on hold for 1 1/2 hours then was told offices were closed. 
I verified in my XXXX XXXX XXXX accounts that the {$4500.00} was already removed from my account and transferred to Chase. 
On XXXX I called and spoke with XXXX who is in a foreign country, dealing with US XXXX accounts- XXXX is now telling me that I need to go into a branch. I have a XXXX and am dealing with COVID issues. Not a good idea to have me go into a branch. 

So I called back - demanded a supervisor in the US. I spoke with XXXX- she told me to hold on so she can check my account and then disconnected me. She called back a few minutes later and grilled me on who I was. Told me that there was identity theft on my account. I am at the same address I was when I had my accounts in the past. I logged in and opened my accounts with my former login information. I also have a retirement account at Chase that is on my login. All the information they are telling me is incorrect. How can they suspect identity theft when I am transferring from my other bank account? My check deposit had my information on it as well as my address. 

I want my account closed and my {$4500.00} returned to me. Why are people in foreign countries allowed to take US accounts XXXX? Why are they even dealing with US accounts?
Product: Checking or savings account

My account has been over-drawn due to an error concerning an over-draft which should not have been made. This caused my account to over-drawn and has included fees. 

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

There's two accounts and a fraud address. ( XXXX card, XXXX XXXX XXXX, and the address XXXX XXXX XXXX not mine fraud ) On my Experian credit report. and have submitted Copy of credit report and Federal Trade Commission Identity Thief report # XXXX. I have submitted this information to Experian but they have not cleared or deleted these accounts and address.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Noticed hard and soft inquiries from capital one, and other loan companies I do not recognize or authorize to run my credit.
Product: Debt collection

Hello, My issue is with my former landlord " XXXX XXXX XXXX '' in Wisconsin XXXX. At the end of XX/XX/2019 my lease was over so I moved out. Before moving out I made sure that everything required by them before you move out is taken care of. I spent two days cleaning the apartment in which I lived for XXXX years. At the moment of turning in, the apartment was clean, the only issues being normal wear and tear. More then a month after moving out I was sent a cleaning bill for over XXXX $ on top of my deposit which was the equivalent of the rent ( XXXX $ I believe ) plus the pet deposit ( I don't remember the exact amount ). So they charged me around XXXX $ by not giving me my deposit back plus they are asking for another XXXX some . I looked into the cleaning company they hired and it was a year old company, a family business which doesn't have a business phone number. So I called and asked for proof and they sent me some pictures that don't show anything, just some bad pictures of what could be anything. Those pictures don't show what apartment they were taken in ( they all look the same ) and we were specifically told by the landloard not to move any appliances ( fridge, stove etc ) to try and clean behind them because they will but they included pictures of those areas in the ones they sent ( all pictures are attached ). They even went as far as sending us pictures of a dirty stove that wasn't even ours ( pics attached ). I tried disputing the charge based on those photos and they said they will go to court which never happened and then I find myself listed for collections. I'm sure this is normal practice with this management company and they're trying to rip people off by doing schemes like this.
Product: Debt collection

they email me they call me at all times and now they are calling me at work
Product: Credit card or prepaid card

Chase closed my XXXX XXXX XXXX credit card without any prior warning or alert. I noticed that the account was closed on XX/XX/2021 when I signed into the account. This was a surprise to me as I do not have any problems or issues in my credit. I called Chase Customer Service and was told the account was closed on XX/XX/XXXX. I had accumulated rewards in the amount of {$250.00} and was told that I had 30 days from the date when the account was closed to access the rewards or they would be lost ( this was reiterated in writing on XX/XX/XXXX ). I was unable to access the rewards due to an error showing up on the website. In the XX/XX/XXXX phone call, I was told a request would be put in so that I could access the rewards. I also requested that they reinstate the account since I was not given notice and all my accounts and credit are in good standing. I called Chase again on XX/XX/XXXX and was told my account was reactivated and I may use the card and access the rewards. The account still appeared closed on my Chase portal but I was reassured that the account was open and the status showing on the website would update in a few days. On XX/XX/XXXX, I was able to transfer the rewards into the account which now shows as a credit of {$250.00} in the account. I attempted to use the card but it was declined. I received a letter on XX/XX/XXXX that I may not access the rewards and the account remained closed. This letter appears as the only letter in the Letters and Notifications folder in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2021, I began receiving telephone calls from SoFi Lending Corp ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) at both home and mobile asking me about an application for a loan. Multiple times, I explained to the SoFi representative that I was not familiar with the company nor had I applied for any loan. The representative agreed to remove me from the call list, but I still received calls and blocked the number. I thought SoFi was a fraudulent business. It was not until -- fast-forward, XXXX during a visit to my banking institution -- that I learned that SoFi was a " legit '' financial institution and that my credit report reflected a SoFi loan in the about of {$46000.00} which had been past due since XXXX, and, with late charges, it is now about {$48000.00}. I called SoFi immediately and explained to a representative that I have no knowledge of such an account and suspect fraudulent activity. Looking at my credit report, my score has dramatically decreased since XXXX. I can not have my exceptional credit score put in jeopardy due to identity theft. 
I have filed a dispute through XXXX as well. Hopefully once this fraudulent account is removed from my report, my score will improve.
Product: Payday loan, title loan, personal loan, or advance loan

On the Credova website I paid off loan early. It SHOWS on the website XXXX of XXXX paid. Very clearly a complete processed pay off. 

They use XXXX XXXX as the bank that holds the loan. Turns out Credova website doesn't show that there was still interest due, despite it showing nowhere on the Credova site. Again, their site shows and makes it look like everything is paid off. When in fact there was interest still on the actual bank with XXXX XXXX, accruing more interest. Very predatory, especially with Credova not actually showing what I owe in a clear manner. Period.