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

On XX/XX/XXXX, an unknown individual was able to log into my mobile bank account and transfer {$5000.00} out of my account into another connected account this is not mines. 

I was in XXXX, Illinois for business at the time of this event. I went to make purchase, and my debit card was declined. By the time I realized money had been removed out of my account I immediately called USAA. I told them I did not transfer {$5000.00} and tried to reverse the transaction. They stated that once the transfer was created, that you could not reverse it. I only had + {$2500.00} in my account and USAA allowed my account to go into negative. I quickly, without hesitation transferred funds from my savings to zero out my account, change my passwords, etc as recommended. I filed 3 dispute thinking I would be able to get my funds back and USAA stated that there were no signs of fraud. 

My Friend, XXXX XXXX, whose account was connected where the " transfer '' went to stated that following my dispute his XXXX XXXX Account froze then closed his account. 

Since XX/XX/XXXX, USAA stated there is nothing they can do to get my {$5000.00} back, stated there were no signs of fraud even though 9 other transactions to my hacked XXXX account they refunded my funds back into my account. 

I have no clue where my {$5000.00} went and I need help resolving this issue. Someone was able to access my private bank account and move money out and put me through the most stressful financial issue I have ever been in, in my life and I need to exhaust all options so that I can get my money back and move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint yesterday on experian and today the in retaliation dropped my score XXXX points yesterday my score was XXXX and now after the complaint it's XXXX today
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX  XXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.
Product: Checking or savings account

I tried to open wells fargo checking account with an offer. I already have wells fargo business checking and wells fargo personal savings account. Along with that i have several wells fargo credit card. Since XXXX  Wells Fargo knows me. 
But today despite of me having online account - wells fargo asked me to fill up the application all over again ( it should be prefilled ) and then simply rejected my application with the reason : We need a bit more info We didnt have enough info to approve your application online, so well need to get a few more details from you at a branch location. 

Select What youll need to apply to see what to bring with you. Then, visit a branch to start a new application. 

How come Wells fargo which has existing relationship with me and knows me for more than 2 decades can do so? 

I know wells fargo was doing fraud by opening accounts for customers. But now when legitimate customers like me who are US citizens and living in USA since XXXXthey are being reject for not being known? I have provided my date of birth, social security number and address plus my existing account details are with them. 

yes, wells fargo can make an excuse that go to the branch and open the account but it it inconvenience and time consuming process and i may not be able visit in time to get the cash back bonus also.
Product: Credit reporting or other personal consumer reports

According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove or block information that was deemed incorrect as a result of identity theft no later than XXXX business days after the receipt of the dispute. 

My information was exposed in the XXXX data breach will resulted in accounts being opened fraudulently, Please remove these accounts asap. 

Attached is a copy of my FTC report and dispute letter.
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Zenco collects contacted me on XXXX XXXX XXXX saying I owed a credit card debt for XXXX commercial credit. I have never heard of this bank or never hada commercial account, after telling them this I got tthreatened with a lien taking out on my truck and my drivers license to be taken. They said I had until the XXXX of XXXX and that after it was paid I would never hear from this loan again. They knew my last XXXX of my social number and that I had a XXXX truck at XXXX that they would put a lien on.I went to my bank ncsecu in burnsville nc to get the money transfered in my account XXXX. My bank did some research and could not find any such debt, they sent for a XXXX credit report for me still showed no such debt. My bank manager called zenco collects and went to voice mail she left message no return call. My bank took my money out of my account because zenco had my debit card number, I was informed by ncsecu this had to be a scam, so on XXXX XXXX I started receiving threatening phone calls and so did my bank manager about fraudulent charges to be placed on us. Said the bank had no buisness or authority to pull my credit to check and tell me not to pay. And said the reason they did not see this on my credit report was because I ask them not to put it on there which never happened. I have disabled my debit card per my bank. They never did send me any proff of the debt as myself and bank ask for. If I owe this debtbi was readyband willing to pay, just want the threatening cslls to stop. The first name of so called lasyer was XXXX XXXX. The last just said XXXX XXXX to myself and bank. Phone number is for zenco collects is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized credit inquiries on my credit report. I have reviewed my recent credit report and found several inquiries that I did not authorize. These unauthorized inquiries are listed 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 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 XXXXXX/XX/year> These inquiries were made without my permission, and I have no record of having applied for credit or given consent to these entities to perform a credit check. Unauthorized credit inquiries can negatively affect my credit score and may be a result of potential identity theft or fraud.

I request that you immediately investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with written confirmation once these inquiries have been removed or provide a detailed explanation if you find otherwise.

In addition, I request a copy of my updated credit report reflecting the corrections made. Please notify me of any findings or additional actions needed on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. 

I AM A VICTIM OF IDENTITY THEFT. THERE IS FRAUDULENT INFORMATION ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IN 4 BUSINESS DAYS.

FRAUDULENT ACCOUNTS : 1. Account Name : XXXX XXXX - XXXX, XXXX XXXX - XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FRAUDULENT PHONE NUMBERS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX, I deposited a check for {$860.00} to my checking account at the XXXX XXXX XXXX XXXX. I also requested {$500.00} cash at the time, resulting in a net deposit of {$360.00}. The teller, XXXX XXXX, gave me the receipt upon completion on the transaction, but I did not initially review it. 

On the evening on XXXX, I reviewed my transactions online and realized the {$360.00} deposit was not showing at all. 

I looked at the deposit slip and noticed that XXXX XXXX somehow deposited the funds to someone elses account in error. My account ends in XXXX, and the funds were deposited to an account ending in XXXX. Not even close. Please see the attached deposit slip for additional details. 

On XXXX, my son assisted me and we went to the XXXX XXXX XXXX branch at XXXX to speak with a personal banker and resolve this bank error. Upon entering, it should be noted it was extremely warm and uncomfortable. I observed the thermostat was at XXXX degrees. I asked to speak with a personal banker. The response from an employee XXXX XXXX, was that I could get in line and speak with him at the teller station. After a XXXX minute wait, I spoke with XXXX. It is also worth mentioning that XXXX wore a faded XXXX logo brand red shirt. No U.S. Bank logo, and certainly not a dress code I expected a personal banker would have. 

I explained the situation to XXXX, who confirmed the error was human error by the teller XXXX XXXX. Apparently the person that received the funds was named XXXX At the time of the deposit on XXXX, both the account number and the customer information/name on the computer screen should have been checked. Multiple serious mistakes were made. XXXX called over his manager XXXX XXXX, who was not wearing a name tag. XXXX confirmed the error to, and provided me a receipt ( attached ) that was poorly written and not exactly official. She stated that XXXX was new and mistakes happen, but he did not appear to be receiving training when I made the deposit, nor have I experienced this issue in XXXX  years. My son has worked at U.S. Bank for 7 years and never experienced that. 

Asking about what can be done to compensate the trouble and anxiety and stress I faced, she only provided her apology. I asked how to file a complaint, she said in the U.S. Bank website. I called where exactly, and she didnt even knowbefore leaving, I asked why it was XXXX degrees? I am XXXX XXXX XXXX and XXXX and stood at the teller window XXXX minutes leaning on it. She said they had no control over the temperature. Odd. 

As of now, the funds are still pending to be received into my account. This has been such a frustrating experience, and extremely concerning the way it was handled and the mistakes that were made. It is also quite concerning how unprofessionally dressed the employees are, and a manager not wearing a name tag seems extremely strange.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/XXXX regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXX was false. I received a response from XXXX Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXX I received an alert from XXXX regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a Capital One Account That Was Opened In XX/XX/XXXX, I Received Letters From Capital One Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All XXXX of My credit reports and have found that the information across all XXXX of my credit reports is Inaccurate. Due to XXXXXXXX XXXX  Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.
Product: Bank account or service

I am very upset. I have been charged overdraft charges everyday for 3 days as the overdraft charges are causing more overdraft charges. Yesterday they even reordered on check to get an extra overdraft charge. This is all because XXXX large check was deposited earlier than the person said he would deposit it. I talked to someone yesterday that said no supervisor was available to speak to and one would call back which has not happened. 
I tried to chat online and they did nothing. I spoke to a supervisor on chat who did nothing
Product: Credit card

Chase made an account change that was never authorized via signed paper work XXXX  address in XX/XX/year> after a transfer of points failed. Since the account was fraudulently changed they will not make the change back to how the account was open. I have submitted supporting documents showing how the account was open via monthly credit card statements that shows how the account was open prior to the account name change and Chase is refusing to make correction or take accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; TransUnion, XXXX, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : 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 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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. 

I have attached documents showing this horrible mistakes on my credit report.
Product: Vehicle loan or lease

I had contacted the financial company before ahead of time about my motorcycle accident. Informing them that I was XXXX XXXX, heavy on pain meds. Contacted the financial company about motorcycle accident i have got involved in and about my financial dilemma. I was not advised that I had other options that would help me not have a late payment or any adverse credit history. What i was told was that I was fine with my payment because i always had a good history of on time payments. Which soon got turned around once my payment got missed because of my motorcycle accident and was currently unable to pay at the time. The financial company gave me a late payment with the late fees. After the company illegally submit my private information to any of the following credit bureaus. I never signed any document that allowed them to report my private information without my knowledge or at all. The co-signer contacted the financial loan account supervisor. That they had a procedure to move my payment date and that I was eligible for that. But was not advised of that for the entire 30 days. The statement of why I wasnt given that option was Its not theyre responsibility to tell me what I can and can not do with my account when that was never told in the call or during the purchase of the motorcycle. Was not an option discussed or given at all at the time as well. And when it was needed it wasnt told to me at the date and time of me letting them know I was incapacitated before my payment was due! And they are a financial company that help people rebuild or establish their credit! So lacking the grace and what they stand on for their mission and their policy! to give me that credit counseling! Caused not only me to have a negative illegal report! Also illegally reported on my cosigner credit! My cosigner did not sign any lease to report any of her private information to any credit bureaus! Doing this has forced my cosigner to pay off the motorcycle entirely because of their fraudulent activities! Once again this was illegally reported without my knowledge and written consent!
Product: Debt collection

OnXX/XX/XXXX, I disputed three items with TransUnion credit bureau ( File XXXX ) by telephone. I explained to the TransUnion customer service representative that I believed that these three items were added either fraudulently or mistakenly on my account. I truly believe that these are incorrect charges placed on my account and I expressed my concern and my request to have these items investigated by TransUnion and subsequently removed from my credit report. The representative explained to me that the investigation would take up to thirty days and that I can follow the procedure online through the TransUnion website. On XX/XX/XXXX only ten days later, the online portal revealed that the investigation was complete on all three accounts as verified, and that on XX/XX/XXXX the results would be placed on my credit report as accurate/verified. OnXX/XX/XXXXI called TransUnion customer service to request information regarding their procedures used to verify medical debt information. The representative claims that the only form of verification they use is the person 's name and address. I explained that that information could easily be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social security number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information. Then the representative told me that if I was dissatisfied with the results of the investigation, I would have to re-dispute the items. I have tried my best to work with TransUnion directly to resolve my issue, but I feel as if they are not trying to help me resolve this. However, I submitted the same disputes with XXXX credit bureau and two items were quickly deleted. Why is it that TransUnion would refuse to remove these items? Is there some form of discrimination being used?
Product: Debt collection

XXXX XXXX from Hamilton Law Association called repeatedly before XXXX XXXX on X/XX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX, and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.
Product: Credit card

I am writing to file a complaint with Consumer financial Protection Bureau ( CFPB ) regarding a charge off account that remain on my credit report despite multiple attempts to correct the information. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S.C. 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial again. I have sent letters to the credit reporting agencies, I have also sent out letters to the creditor disputing the charge off account. Despite my efforts the charge off remain on my credit report, damaging my credit score with forethought and malice as a means of harming me and my financial reputation. 15 USC 1605 ( a ) 5. The insurance policy its built in the finance charge when the account went into default was there insurance collected on it. Im requesting your errors and omissions insurance number can u provide that for me. JPMCB - XXXX
Product: Credit card

Barclay bank was paid a total of {$5000.00} in XXXX of XXXX for the XXXX XXXX  XXXX. The bank claims we only paid {$3000.00}. We have submitted documentation from our bank of the online transaction indicating the money transfer. Barclays refuses to acknowledge the payment. On XX/XX/XXXX we got a letter stating that they will credit us back the {$2000.00} and on XX/XX/XXXX we got another letter stating they will not process the reimbursement We have asked to speak to the investigator on the case and we are not allow to know the person looking into the case. The letters we get do not specify any person or details of the investigation. We are not given any information detailing their findings. We have reached out to XXXX XXXX which we used to transfer the money from and their system shows the payment but Barclays is not accepting their transaction proof. 

We have made several phone calls and faxed our back account statement showing proof of payment. We have asked several times for the case to be investigated by the fraud department but we still only get general letter denying our claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Money transfer, virtual currency, or money service

This is the second time I've had a MAJOR issue with this company. I was checking my bank account and I saw that Remitly Inc had made 2 unauthorized transfers under my name. The first one was on XX/XX/2021 for {$200.00} and the next one was on XX/XX/2021 for {$200.00}. These " transfers '' don't show up under my Remitly account either, because I never made this request through Remitly. The confusing thing is, the only account I had previously linked to Remitly was my XXXX XXXX account but these charges were made to my XXXX  XXXX XXXX account. I contacted customer support on XX/XX/2021 and they said they " escalated '' this incident but nothing was resolved and the charges are still there. I've already contacted XXXX  XXXX XXXX but that process is still pending and I would like an explanation from Remitly what has happened and obviously a refund for the unauthorized charges.