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

Hello, I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by XXXX for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use XXXX nor do I have one that I set up. After opening up a dispute chase sent a letter informing me the credits provided will be reversed after reviewing the claim because they are valid. I contact chase Bank on XX/XX/18 at around XXXX XXXX and spoke with the fraud department and a young women informed me that because they saw a charge before to XXXX and I did not disputed on my account for that XXXX payment, so this debit was valid. I informed the agent that I have never used XXXX and asked to speak to a manager, but she said one is not available. I am sending this email to have this reviewed, because this is a fraudulent transaction not authorized by me. I do not understand how three charges in that large amount were made to XXXX and I was not alerted by the fraud department. Please review and correct. I really rather not take my business to another bank, but will if not resolved correctly. There are a ton of complaints about the same issue and XXXX fraud online. Please contact me by email or by phone at XXXX. My name is XXXX XXXX. 

Thanks Charges below on XX/XX/18 to XXXX. 
{$1000.00} {$850.00} {$28.00} Claim number : XXXX Card ending : XXXX Account ending : XXXX XX/XX/18 : Spoke with an agent from XXXX XXXX TX with the name XXXX at XXXX XXXX. He stated that the information they provided was my address and name, which if my card is number is stolen they have that information because. Then he stated they sent an ip address which is in the XXXX and I stay in the XXXX. Which is no where near me. He stated that since it was close to me that I am responsible for the charge and then stated that there was more information and I asked him to send it to me and he hung up the call right away and did not contact me back. 

XX/XX/18 : Called back about XXXX and spoke with XXXX . Informed of situation about the guy hanging up and she did not apologize nor had a concern at all. She stated a manager will call me back and she will send the proof. She lacked any kind of empathy as if she cared or not.
Product: Consumer Loan

I had initially done a refinance to pay off my auto loan with wells fargo and the payoff check was sent on the XXXX of XXXX. Every time I called in to confirm if they had received my payment I was given the answer that they had not received anything. The payment actually was received on the XXXX of XXXX per a conversation I had with the Office of the President at Wells Fargo dealer services. The issue is, nothing was noted on my account that the payment had been received. They processed the check on the XXXX of XXXX however because I was given incorrect information every day up until the check processed, the title company that issued the check cancelled it and sent out another check based on the information that it had n't been received and therefore thinking it was lost in the mail. This would n't have happened if WF properly handled their accounts and at least notated a payment was received when they receive it. I was charged a late fee with was credited back however I was still responsible for the interest that accrued from the difference. Now the Title company has resent the payoff check and I have proof that it was received on the XXXX of XXXX Tracking number XXXX ( I attached a copy ) and it is now the XXXX of XXXX and I as of today the XXXX I am still getting told that nothing has been received. This is complete lack of accountability on Wells Fargos part to not even notate a payment receipt when they receive it. Because of this my account is now 32 days past due and my credit report has been adversely affected. Every time I call to inquire about it, I get different information. I am told it takes 5 days to process once received and I even had a rep confirm in the notes that I was told it takes 5 days to process. Now I am being told it takes 14plus days and one rep even told me it takes about a month. All the while My payment is sitting there and I am being treated as though I am a criminal with horrible attitutes from the reps that Im speaking with. I have satisfied my debt and because Wells Fargo does n't know how to handle accounts, they are scamming not only me but probably thousands of other people out of additional interest due to their horrible tactics. I had a case opened up with the office of the president on the XXXX of XXXX and still have yet to hear anything. I have n't been contacted or called to be notified of any progress. I left messages and still have no return call
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized credit card accounts were attempted to be opened in my name between XX/XX/2022 thru XX/XX/2022. This resulted in hard inquires on my credit report. I've contacted the ( 3 ) major credit bureaus to dispute the fraudulent activity. In addition I've contacted each creditor to close any unauthorized accounts.

I've been mostly successful in making contact with each creditor and identifying the unauthorized activity, with exception of one account ( XXXX ). XXXX is unable to provide any information. XXXX was unable to produce an account or application, even though there was a hard inquiry on my credit report. 

The hard inquires were made from the following creditors. 
XXXX on XX/XX/202XXXX XXXX XXXX XXXXXXXX on XX/XX/202XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX on XX/XX/2022 There was an unauthorized loan application on XX/XX/2022 ( XXXX XXXX XXXX XXXX  XXXX XXXX I was able to reach the bank and notify them of the fraudulent activity. 

Credit reports from the 3 major credit bureaus are currently frozen and/or locked. 

Transunion is requiring supporting documentation to remove the unauthorized inquires from my credit report. Supporting documents include a " police report '' and/or a letter from each creditor. Do to the number of creditors and the tedious process of contacting each creditor, it puts an undue hardship on the victim to make the corrections.
Product: Debt collection

In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXX XXXX  failed to properly remediate XXXX XXXX  in our carpets and walls, causing our family to get sick. One of our children got so sick the children 's hospital had to put him to sleep and perform a XXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out several times letting each credit agency know that they are reporting inaccurate information on my credit reports. They are reporting names and address that need to be deleted or removed from my report. 

my full legal name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX CA XXXX my birthday is XX/XX/XXXXplease update and remove all inaccurate information from my report. 

Please remove all other names and addresses that I have never lived at. XXXX XXXX XXXX  XXXX CA XXXX. I have never lived at this address.
Product: Money transfer, virtual currency, or money service

Hello, I have USD Wallet in my Coinbase account and I have made three transferences from my bank account ( XXXX XXXX XXXX ) to my Coinbase Account. These transferences were made the X/X/2017 ( {$700.00} ), the second one was X/X/2017 ( {$300.00} ), and the third one the X/X/2017 ( {$2000.00} ). I can see the total amount is in my account but I can not buy or withdraw the money. Each time that I try to move it I get the following message : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn. '' I have provided several times the information that they are requiring but the system does n't recognize it. I have emailed them twice but I have not got any answers from them in a week. I am an XXXX XXXX with an XXXX, and I have a job XXXX XXXX, so I have a Social Security Number. I am hoping that they can verify my identity ASAP, since they were able to verify my identity through my Texas Driver License before. Thank you in advance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me me that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$760.00} XXXX XXXXXXXX {$2300.00} XXXXXXXX XXXX XXXXXXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I have attempted back in XXXX to get these 2 charges of {$1600.00} and {$950.00} cleared from my credit because it should have been covered by my son 's insurance ot the time of each incidents. I still don't understand why these charges were not covered at the time because my son was XXXX years old and was covered by state insurance here in Wisconsin.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They let me know that recovering these funds were impossible. Zelle has neglected to keep my finances safe.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX breach and XXXX XXXXXXXX XXXX breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting

My Trans Union credit report has an account on my report that is mine. The company reporting on my report is XXXX, and a collection agency, XXXX XXXX, referring to the same account. Neither of these accounts are mine, and I have no knowledge of these accounts nor do I reside at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never resided at this address nor have I ever received mail at this address. I am requesting that any and all accounts associated with the above address, as well as these named accounts. I have asked numerous times for validation with my signature with no word from anyone, and all XXXX credit bureaus have said that they were already investigated and they were not going to keep investigating these accounts. Please do the right thing and delete these accounts from my report, as well as any and all accounts associated with the above address.
Product: Credit card

Beginning of XXXX 2016, i receive a credit from a company called XXXX in the amount of XXXX and my bank that i bank with, which is bank of america did not credit my refund from the merchant into my new bank of america credit card, I tried to explain to bank of america. But there was little that I could do about this. I filed a clain. And once i filed a claim bank of america supposed to credit the money to my credit card, then complete the investigation or untill the investigation is over, because not only bank of america misinforming me, they are also not wanting to give me my money. It has been one week and 5 days since the merchant credit my account.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX . I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX has been in response to this complaint as of XX/XX/XXXX. The time to conduct a reasonable reinvestigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of Early Warning Services and XXXX XXXX XXXX XXXX. Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to my credit report my account is charged as a charge off meaning they receive a XXXX from the IRS, meaning they have a tax credit. They can not collect from me and the irs so I will like them to update balance to XXXX $
Product: Credit card

I am so disgusted by this! 
I tried to pay my bill multiple times by logging in on the due date and by XXXX XXXX XXXX on the due date after I finally got into my account I was forced by their system to submit payment on the XXXX even though it is barely in the evening here on the XXXX! 
Because they don't take into account time zones and punish you for being several time zones away in the Pacific they are summarily requesting payment a day earlier. 
Even though I made my card payment on the XXXX and tried unsuccessfully to do so earlier I was charged a late fee of {$30.00} when I clearly and absolutely wasn't late and payment was submitted on the XXXX!
Product: Mortgage

I have filed complaint # XXXX with Shellpoint mortgage company. The response was inadequate. I would like to know what NEW rate was used between XX/XX/XXXX until XX/XX/XXXX and what index was used? I am examining my Specialized Loan Statements and they don't correlate correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Product: Debt collection

I took out a pay day loan from XXXX in XX/XX/XXXX and paid off the debt, my Credit Union Statements bear this out. On XX/XX/XXXX I checked my XXXX Credit Report and found that Allied Collection Services, XXXX XXXX NV XXXX placed a derogatory mark on my report. At no time did Allied contact me relative to this purported debt.
Product: Credit card or prepaid card

On XX/XX/2023 I used my American Express Serve card at an ATM but the transaction was denied. I contacted customer service and explained my problem. They told that they had reordered a replacement card for me and my account is now inactive. My social security and pension checks are directly deposited there and I have no way to get to my cash or pay a bill.
Product: Bank account or service

I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX
Product: Debt collection

There is a medical collection that is being reported and I not even aware of this collection. This is clearly fraudulent. Listed below is the detail of the medical collection. 

Nationwide Recovery Accnt # : XXXX Opened : XX/XX/2021 Balance : {$730.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC XXXX to back up my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has three collections accounts for XXXX XXXX. XXXX has no collections accounts for XXXX XXXX. In addition, one of XXXX Collections Accounts is for the same account dollar amount and with the same original company being owed {$63.00}. This is obviously a duplicate account. 

Collection account is for XXXX XXXX, 2017 from XXXX XXXX for {$63.00}. Second collection account for XXXX XXXX is for exactly the same amount of {$63.00} and filed one year after original collection was entered into XXXX system. Obviously a duplicate derogatory account and this is not allowed under federal and state laws. In addition for the same time period, there are no collections activities for XXXX XXXX for the last 7 years. All credit reporting agencies need to report the same collection activties and in this case, the lack of any collections per XXXX for XXXX XXXX- please see attached proof of no collections activities for XXXX XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact, a victim of the data breach at Equifax has done nothing. Please help me delete these illegal accounts from my credit report.