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

XX/XX/2019 A while back, I lost my wallet. It fell from my opened purse. I attempted to cancel my bank card that same night, well before unauthorized withdrawals appeared on my account. However, the office was closed and the automated phone banking line, continued to tell me to call back during office hours. I called as immediately as someone became available. The card was cancelled and the fraud claim was made. It took them 2 months to reverse the charges ( {$200.00} from nearby gas stations ) and release my payrole check, that I trustingly deposited. And another month to reissue my card. A 3 month ordeal. My claim was denied. I was made to go and get a " police report ''. And even after that my claim was denied again! 
I had prepared myself with letters and names and addresses of bank upper management personnel to fight my case. But first I decided to take the matter to the branch manager. 
After a lengthy discussion which included a claim of discrimination, she said she would get all of the information to the correct person. And that there would be results forthcoming. I am a XXXX original customer. 
After that episode, an even more terrible action was taken against me. My business account that I had for 10 years was closed. My account became overdrawn due to overdraft fees. I have been buying XXXX  XXXX  on line and I noticed a charge that I didn't recognize at the time. I reported it to the bank. I never heard any information regarding the claim after that. I basically believed the bank would halt the overdraft fees till the investigation was completed. They did not. Nor was I ever notified of there decision. 
I eventually went back to the back and complained to XXXX XXXX. She called the fraud department and they told her that it was a cash back transaction using a chip and it was denied. This they never informed me of. When she mentioned cash back, I remembered that I was on my way to pay a mechanic. I told her that immediately on hearing it. However, even as I was making regular payments to the negative balance and only one day after the last payment that I made on the amount, my 15 yr. account that I had maintained with XXXX before it was taken over by first citizens, was closed. 
She told me to pay the remaining {$19.00} and my account could possibly be reopened, or another one. I put the money, ( {$20.00} ) in the night drop addressed to her. I have not heard back from her. 
Enclosures : 3 Thank you XXXX XXXX XXXX Aka XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX have submitted multiple fraudulent cases against me through XXXX XXXX Court. The first case docket # XXXX XXXXXXXX XXXX for a credit card i never had and Wells Fargo XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with Wells Fargo that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon switching insurance companies, I was informed of an accident on my report that I was surprised by. After some thinking, realized it was my Fathers incident. Both of our legal names are XXXX XXXX, though Im not sure of his middle initial or if he HAS one. I am not in contact with him at all whatsoever. Here is a quote from XXXX of the issue in question : Accident with payout {$500.00} or more on XX/XX/XXXX Listed on CLUE  All other information on the reports are correct and accurate. 

Unfortunately for me Ive been paying more than I needed to for YEARS since I never wouldve noticed this. The vehicle involved in that incident was on my insurance at the time but my father was a permitted user on the account ; there should also be police reports of -his- incident in question, since he additionally fled the scene and was later arrested and charged. Also records of him living in that area ( never me ) and likely other documented incidents of police contact in the vicinity of the accident in question. 

Please let me know if theres anything else I can do to help facilitate repairing this, unfortunately Im not quite sure how I can prove that I wasnt the driver in this case unless you can help me find an incident report that shows his date of birth, which I believe is XX/XX/XXXX ; mine is XX/XX/XXXX, if my DoB comes up on any of those incident reports then this will likely be a larger mess. 

It may also help to show any inconsistencies between HIS clue report and criminal history ; the court documentation and police reports should tell of an automobile accident and related criminal charges of an event that doesnt show on his clue report, which should maybe help prove that it wasnt my incident. 

Thank you again and hoping for the best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, The Consumer, ceased communication with XXXX XXXX XXXX  XXXX, account numbers XXXX on XX/XX/2021. XXXX XXXX XXXX  XXXX contacted me after I sent in my Validation of Debt pursuant to 15 U.S. Code 1692g along with my Cease & Desist to CEASE COMMUNICATION through ANY medium pursuant to 15 U.S. Code 1692c ( c ) on XX/XX/2021 upon receipt. I, XXXX XXXX, The Consumer did not give written instructions to XXXX, XXXX, AND EQUIFAX to report such debt pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) Reports furnished must be in accordance with the instructions of the consumer. XXXX is now reporting XXXX XXXX XXXX XXXX as charged off on dates XXXX XXXX  and XXXX XXXX. Also Reporting 30 days late on XXXXXXXX XXXX and XXXX days late on XXXX XXXX XXXX is now reporting XXXX XXXX XXXX XXXX  charged off as bad debts with 0 Days Late on dates XXXXXXXX XXXX Equifax is now reporting XXXX XXXX XXXX XXXX charged off on dates XXXXXXXX XXXX and XXXXXXXX XXXX Late on dates XXXXXXXX XXXX. Good standing on Dates XXXXXXXX XXXX I did not consent for this negative item to appear on my reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

My Deposit of XXXX was place on an exceptional hold at citizens bank.the bank has issues reaching the paying bank to verify a chasiers check that was purchased with cash I also have receipts and a notary from the payer to deem legitimate
Product: Debt collection

I am writing in hopes that you can help me to stop XXXX XXXX from a collection action where I have tried for months to get them to send me a statement that is broken down explaining all the charges and not just a final bill. I have called repeatedly and ask for this so I can get the early termination fees taken care of by XXXX as per our agreement for switching to them. They have turned my account over to a collection agency and after they called me two days in a row after me telling them not to I get a collection bill from them today. I have tried over and over to get this resolved and I have asked them to please break it down so that the bill can get paid and every time they send me a bill is only stated final bill and has all charges stated as one. I have taken this bill to XXXX where the local office accepted what I took to them but when it went in to the decision makers they would not accept it because it did not break it down to show early termination charges and any charges for service. As you know you have to pay for service to them a month in advance and I paid for the last month that I was with them and yet they say I still owe them money plus early termination fees. The early termination fees will be paid by XXXX if they will send a breakdown on the bill and not just a final bill. I do n't know what else to do to get this worked out and keep it off my credit report. I have done everything I can and they refuse to send the bill broke down as has been requested numerous times in the past few months. I hope you can get this resolved for me and help me to keep this from showing up on my credit report.
Product: Credit card

I got a nerd wallet card, and I have been trying to close my account. They have not allowed me to close my account. 

On their website they said cancel 1.phone 2.email On phone they said they cant close it. They said email. Then I emailed. They asked for information. I sent the information. They asked again. I sent it again. Still not closing my account.
Product: Credit reporting or other personal consumer reports

The following companies listed below have been pulling my credit without my approval or authorization leaving me with unwanted inquiries on my XXXX and XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Venmo. I had a negative balance last 6months now of XXXX 
Representative advised when balance, brought back to XXXX balance, I, may resume business transactions.!

Not the case. Already has held my money 28hrs now L
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unresolved credit report issue that is severely impacting my credit score and jeopardizing my ability to purchase a home. Despite multiple attempts to resolve this directly with XXXX XXXX XXXX XXXX, the inaccurate reporting remains on my credit report, and the credit bureaus have failed to make the necessary corrections.

Here are the details of the situation : 1. I paid my XXXX XXXX credit card bill of {$1400.00} before the statement closed. However, XXXX XXXX reported me as late and over the limit to all three credit bureaus ( XXXX, XXXX, and Equifax ), resulting in a derogatory mark on my credit report and a nearly XXXX drop in my credit score. 
2. I provided proof of the timely payment, including XXXX XXXXXXXX XXXX confirmation that the payment was made on time and processed correctly. I submitted this proof to all three bureaus, yet the derogatory marks remain on my credit report. 
3. Despite my efforts to resolve this with XXXX XXXX, they continue to insist there was no issue with the payment, providing an explanation about delays related to weekends and holidays, which does not address the core error in the reporting to the bureaus.

4. I have already disputed this matter with the credit bureaus, but they have not corrected the error. I have sent proof of XXXX XXXX statement that the payment was made on time to all three bureaus, yet my credit report remains inaccurate.

I am currently pregnant with my second child and in the process of purchasing a home. This issue must be resolved immediately or I will be unable to close on the home, which is causing me significant stress and emotional hardship.

Given the urgency of this situation, I request your immediate assistance in ensuring the credit bureaus correct the inaccuracies in my credit report and update the information with accurate details from XXXX XXXX. This situation is time-sensitive, and I ask for your prompt intervention to ensure this matter is resolved without further delay.

Thank you for your attention to this critical issue. I look forward to your response and assistance.
Product: Credit reporting or other personal consumer reports

to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX.
Product: Checking or savings account

In XX/XX/2022 my wife ( we have a joint checking account ) signed and sent by ordinary mail a small check to a friend in upstate New York. The friend advised he had not received the check. We issued another check which he received. Believing that the missing check would soon be discovered by the postal service, we did not stop payment. On XX/XX/XXXX we were called, presumably by the scammer, claiming to be representing the collecting bank, that a check for $ XXXX had been presented and they had stopped it. Not true. I called our bank ( Huntington ) to report the call and checked our account to find that indeed Huntington had honored the check which had been processed electronically through XXXX  XXXX. The check had been washed with a new payee named together with a different amount. In short, the check was altered, then endorsed by the scammer who had set up a fake account. A few days after notifying our bank, we appeared to answer questions from the local rep and to fill out papers attesting to the facts. It has now been over 90 days since reporting this theft and Huntington has not yet restored the stolen amount. When I insisted that they replace the missing funds, Huntington replied that they could not do so yet because " XXXX  XXXX has a claim on their end. Cases can take 90-120 days ''. The Huntington new case number is : XXXX. This is a straightforward case of scamming and washing a check - and perhaps a quarrel between two banks - but an innocent customer should not be held hostage and in the middle of which party is responsible for the loss. I have asked for more information on the holdup and its reasons but have received none.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I've never applied for credit with these companies Ive tried to get these removed before but haven't had any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that on my report a company by the name of XXXX XXXX is reporting false information in regard to a pet hospital. Please also take notice that this information IS NOT being reported to XXXX or XXXX. This account was created in error. And I am demanding that it be removed.
Product: Vehicle loan or lease

XX/XX/XXXX Vehicle purchased, sales contract signed stating first payment would not be due until XX/XX/XXXX, monthly in the amount of {$580.00} XX/XX/XXXX In balance history states it has not been paid, on payment history a check mark indicates it has I have bank statements that prove a payment was made and withdrawn on XX/XX/XXXX, but Capital one continued to say they had not received Upon calling numerous times, each time we called the operator said that payment had been received and not to worry When our accounts and e-mail correspondence from cap 1 continued to say we were delinquent we verbally requested phone record which were denied due to legal processes Upon a withdrawal of {$580.00} on XX/XX/XXXX ( which was not authorized, an additional payment was taken of {$560.00} on XX/XX/XXXX, which was the amount requested, however XXXX was listed as not receiving any payment ( 30 day late ) When I called to inquire, I was told again no XXXX payment was made, when I told then the co-signer made the other payment denied receiving any payment and told me all I could do was verify my cosigner truly did pay XX/XX/XXXX We were told a XXXX payment was not received ; however the bank withdrew {$560.00} on XX/XX/XXXX. We again went back and forth with customer service with no help, at this point a 30 and 60 days late mark was put on our credit reports XX/XX/XXXX Payment of {$630.00} made on XX/XX/XXXX and annotated as received by capital 1 in our account portal XX/XX/XXXX, payment return despite funds being available and no issues with bank XX/XX/XXXX {$560.00} payment made and marked as received by cap XXXX XXXX XXXX 90 day late mark on credit report despite proof of payment, and almost daily effort to clear up discrepancy XX/XX/XXXX Disputed marks on XX/XX/XXXX for all 3 files Got results back XXXX from XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX Dispute proof submitted through dispute, 60 in XXXX remained, 30 in XXXX, and 90 in XXXX Changed to scheduled payments in desperation to keep our credit from being further targeted, payment scheduled for every two weeks to also prevent repossession even though amts were inaccurate on XX/XX/XXXX and XX/XX/XXXX both in the amounts of {$560.00} 60 day late mark onto our credit for XXXX despite proof that payments had been made with no help from lender to clear up on XX/XX/XXXX our account was showing 95 days past due in the amt of {$1700.00} XXXX has XXXX XXXX as paid on XXXX but XXXX does not We contacted a family lawyer to look into the matter, however, due to personal health issues he has not been able to move forward in a timely manner so he advised us to freeze our credit files
Product: Credit card or prepaid card

Back in XX/XX/2021 I purchased 2 Electronic devices that came out to a total of {$4700.00} with my synchrony XXXX store card however these items were never delivered to my address. XXXX says they were delivered but they were not delivered to my address. In addition one of the tracking numbers still says investigating and says it was delivered to XXXX XXXXXXXX? All I know is neither of these items made it to my house.
Product: Money transfer, virtual currency, or money service

While being on a vacation in XXXX I needed some amount of cash and made an online transfer to myself in {$200.00} using Western Union website on XX/XX/XXXX. On XX/XX/XXXX I realized that the funds will be available to pick up only on the day when I have to fly back and I cancelled the transfer. According to the cancellation receipt I had to receive money back in 7 business days but it has been gone already three calendar weeks and I still have no money on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX