23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last fall I began having issues with fraudulent activity on two credit cards I have with CitiBank. They were ANNOYING and highly INEFFICIENT resolving them, but we did. Recently, that issue began anew. When the first issues began I was at my wit 's end due to some personal things, including a partner with a complete XXXX XXXX hurricane prep, etc. So, to ensure I never missed a payment, I set up automatic payments. In the last few weeks, as the new issue has arisen, CitiBank -- without my consent or approval -- withdrew {$5000.00} from my checking account on XX/XX/XXXX. I've had a XXXX XXXX and didn't discover it until XX/XX/XXXX. I spoke with the fraud representative I'd been speaking with about it. She actually used the work fraud to describe their removal of the amount and said she would try to have that sum redeposited within 48 hours. Yesterday, they withdrew an additional {$1000.00}. At the same time as one of these, one of the normal payment amounts I'd set up was also removed. Perfect, as it should be. But they know and acknowledge there is zero right to the {$6000.00}, and the withdrawal was never approved by me. I have tried everything and once more called today to speak with one of their quite useless representatives. She said I would have to wait for the account to be " verified '' before the amounts were returned. EXCUSE ME?!!!!!!!!!! This is such XXXX XXXX If this was an individual it would be outright theft. They know and have acknowledged this was somehow and error and it should be returned. But, of course, they don't get a XXXX about their customers and are now in no hurry to do it. I've called an attorney. XXXX XXXX XXXX XXXX XXXX It is a fluke I had the amount in the account to cover it and had I not it would have surely set off a chain reaction of overdraft fees. This is not fair and dishonest.
Product: Credit reporting

This is a complaint pertaining to a background check completed by my employer. The company XXXX XXXX XXXX is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.
Product: Vehicle loan or lease

call several times because the sum of all charges went up where the down payment was calculated in. ever since the loan started XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this Santander Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract.

They never stated who the original creditor was the Contract shows multiple names but never mentions santander it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly.

The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account
Product: Debt collection

Midland credit management XX/XX/2020 {$1200.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) had seen me for something a few years ago, at the point in time I had medical insurance and still have the same insurance. The Thomas Agency Inc opened an account on XX/XX/2018 in the amount of {$280.00}. 
For about the past 6 months I've been trying to get this debt resolved, my insurance company informed me that I needed to get an original copy of the bill. I contacted XXXX, I spoke with a supervisor there about needing an original copy of the bill being sent to my insurance copy due the the collection agency not being able to do so, I was told that a copy of the original bill was sent to the insurance company. It's been several months since the bill was supposed to be sent and I've yet to see the debt be resolved and the agency has stated that they're not aware of any payment being made. At this point I'm not sure who the fault should be in the hands of because both XXXX and the debt collectors are aware of my insurance company agreeing to pay the medical bill as I did have insurance on the date of service. My insurance company has informed me that the original bill was never received.
Product: Checking or savings account

It saddens me deeply to find out my bank of many years ( Wells Fargo ), is so greedy that they will not correct a wrong even though they know they broken the law! Its even worse to think my bank is as corrupt if not worse than the moving companies that did the following! 
I moved to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and had a very bad experience with XXXX moving companies intimidating and extorting money ( {$2800.00} ) from me. Now they are trying to extort even more from me ( {$2800.00} ) plus holding my belongings ransom for the past XXXX months. 
I went to the Wells Fargo branch ( XXXX XXXX ) on XX/XX/XXXX requesting a stop payment on a check for {$2800.00}. 
With that being said a Wells Fargo employee created the stop payment on the check using XXXX different checking account # s and screwed up the stop payment. I thought things couldnt get any worse than that until I spoke with the branch manager XXXX XXXX XXXX and found out Wells Fargo also created a second checking account under my name without my authorization in Year XXXX. I found it odd that is also the time frame the banking industry got in a lot of trouble with some of their employees creating accounts to make it look like they were creating more business, which Im pretty sure is called fraud. 
During the past XXXX months I have requested a return of my money XXXX times, each time getting my request turned down and then seeing XXXX responses from your internal team telling me the following. 
The representative I spoke with on XX/XX/XXXX stated they have documents that show I signed for a second checking account not just a request for checks. How many people do you know open a second checking account just to order new checks? Wells Fargo is that desperate for money that they will actually lie about what their employees do rather than correct their issue and pay a mistake of {$2800.00} 1 We reprimanded the employees involved to do better at their jobs but I had to call in to find out you werent going to return my money.

2 We need more time! A week later I receive a letter, dispute ID # XXXX that there was a potentially unauthorized Wells Fargo account opened for the second checking account. Now a month later I have to call in again to find out thats all your team is going to do to rectify my loss in money. 
I will be following up with whom ever over sees the banking industry to file a complaint against Wells Fargo, for fraud and or any other topics that could befall stealing my money from me due to this issue. 
I will also be moving my money to another bank and inform them of the illegal practices performed at Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have been struggling with getting my loan approvals because of these inaccuracies on my report and it has come to a point where I have to send out this complaint after being ignored by your company for the past two months. I am in deep stress and i can not reiterate enough that these accounts are affecting my score and i need them removed immediately.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report and request the immediate correction of inaccuracies related to late payments. Upon reviewing my credit report, I have observed discrepancies that I believe require your attention and correction. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative. 

XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

I understand the importance of accurate credit reporting, and I am committed to maintaining a positive credit history. However, the late payments mentioned above are not reflective of my actual payment history with these creditors. I kindly request that you investigate and correct these inaccuracies promptly. 

To assist in your investigation, I am enclosing copies of relevant documents, such as bank statements or payment receipts, which substantiate that the payments were made on time. I believe that a thorough review of these documents will support my request for the removal of the late payment notations.
Product: Checking or savings account

yes i walked into a branch at bank of America to open an account. They ran my social security number and stated they can not open an account or even override it because my account is showing by security as closed for fraud of identity. I never had this issue with BANK OF AMERICA. so I requested the branch manager they contacted the security dept which in hand stated they have no account previously showing with me at allbut someone put a block for an unspecified reason on my name and social security
Product: Checking or savings account

I've requested a reasonable settlement offer to compensate for damages as a result of Wells Fargo reporting information to consumer reporting agencies, stemming from accounts opened by them which I did not need or want. The offer ( s ) made to me do not compensate for damages including potential interest on monies I was unable to deposit because I could not open deposit accounts, due to info reported, as mentioned before. I was offered an amount of {$3800.00} by XXXX XXXX in XXXX of 2019, another offer of {$500.00} made via mediation session recently, both offers do not cover damages sustained due to inability to open accounts The offers were accepted, however, do not compensate and do not release Wells Fargo of any claims. Further, I did not sign anything releasing Wells Fargo of claims. Failing to make a reasonable settlement offer, I request an address make file suit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly object to the findings of your investigation. Despite your efforts, the following incorrect items on my credit report remain unresolved. It is imperative that you conduct a thorough reinvestigation into these matters as they are severely damaging my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Your cooperation and prompt attention are legally required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to Equifax with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
Product: Debt collection

XXXX called XXXX XXXX XXXX & XXXX XXXX told me I was being arrested & served because a debt I owed was not paid told me debt owed was over XXXX dollars & with cout cost Well over XXXX but I could settle for XXXX dollars. I was deceived into giving my info after concerns & a talk with my wife. I followed the debt & have received confirmation that it had been paid. After a few days I received a call from XXXX XXXX that payment had been stopped I told him what I found he calmed me a liar stated Marshalls were coming to get me. Now a month later another lady stated she was from XXXX the settlment had not been paid. She also stated I was gon na be arrested if I didnt pay. I told her to cease and desist I was threated XXXX last time and hung up on This was the # she called from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are outdated and exceed the statue of limitations on medical/credit card debt in the state of Florida and Nebraska. I have reached out to the creditor and the credit bureaus asking them to address this problem but I have gotten no response. Please Help Thank you
Product: Credit reporting or other personal consumer reports

Equifax keeps removing my XXXX XXXX credit card ending in XXXX. This continues to happen and Equifax never takes accountability. These is only happening with Equifax so it clearly their problem and not XXXX XXXX because they stated they reported to them on XX/XX/2024. This is completely frustrating and every other month Equifax is removing my credit card accounts. This has happened 3-4 times. 

I have two credit cards with XXXX XXXX and only 1 is showing on my credit report file. 

This is effecting my credit score.
Product: Credit card or prepaid card

Today XX/XX/20 Bluebird American Express locked my prepaid card ending in XXXX AFTER an uncharged authorization released to my card after merchant agreed not to charge for non shipped item. Bluebird committed fraud by closing my card in an effort to deny me access to remove my bank debit card I placed on account for balance transfers. 
In a word, this is bank theft by Bluebird.
Product: Credit reporting, credit repair services, or other personal consumer reports

Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX  ) after contacting them in XXXX of XXXX.
Product: Checking or savings account

Checking account joint with my Son who is in XXXX. My son deposited a refund check from a local property management company which was a rental deposit reimbursement. Chase flagged the deposit as fraud even after the check cleared XXXXXXXX XXXX  and the person at the property management company, who wrote the check, called Chase and confirmed it was a valid check. Chase subsequently confiscated the remaining balance and closed the account. I have contacted Chase multiple times trying to resolve the issue and they have REFUSED to provide anything in writing or send any explanation of their actions. They have also refused to give me any contacts in their organization who can resolve the issue. 

We contacted the local bank manager and explained the situation. The manager could not beleive that Chase had done such a thing, until he confirmed what they had done on his Chase computer. When he contacted the Chase fraud department they refused to help him. We also asked for a formal complaint to be filed on XX/XX/year>. As of XX/XX/year> I have not received any response.
Product: Debt collection

On XX/XX/2023, I discovered several drafts from my XXXX XXXX checking and savings account from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX  XXXX XXXX. for Absolute Resolutions Investments LLC and who drafted funds from my accounts without my knowledge or permission. 

The XXXX XXXX XXXX drafted {$310.00} on XX/XX/2023 and {$380.00} on XX/XX/2023 from my checking account and an additional {$120.00} XX/XX/2023, {$19.00}, and {$4.00} on XX/XX/2023, from my savings. This money was to pay my bills. 

I was unaware of any judgements against me until these payments were drafted. When I reached out to XXXXXXXX XXXX XXXXXXXX XXXX. to discuss validating the debt that also has the wrong account number fand is past the Texas 4 year statue and they failed to do so. It was also discovered that the Process Server that was used by XXXXXXXX XXXX XXXXXXXX XXXX. forged the citation document claiming to have served me. I filed a complaint with the XXXX and an active investigation is pending. My accounts that I had in good standing are ruined as a result of these actions.
Product: Mortgage

My mortgage has been with Chase for 15 years. Ive been paying my own real estate taxes for approximately 8 years. I do not escrow my real estate taxes. I do escrow for home owners insurance, about {$98.00} per month. 
I have never missed or been late with a mortgage payment or a real estate tax payment. I pay my mortgage through direct withdrawal from my checking account. My credit history is stellar. 
I received an email from Chase on XX/XX/XXXX stating that Chase had performed an escrow review and that my monthly payment would be increasing from {$1600.00} to {$2700.00} per month on XX/XX/XXXX. I logged into my account and found Chase had paid my real estate taxes, without notifying me, for two quarters in advance and was charging me for that paymentplus estimating my taxes for the rest of the year. I called Chase and spoke to a rep who said Chase received a notice from the XXXX of XXXX that said I was delinquent. When I asked for a copy of the notice, she said it was public record. I uploaded three years of proof of tax payments, cancelled checks, to the Chase website. I again asked for a copy of anything Chase used to decide I was delinquent on my taxes. 
I went to the XXXX XXXX Treasurer 's office on Monday, XX/XX/XXXX. The clerk told me that this issue was happening to a lot of residents. She gave me a copy of my payments showing that my account is overpaid. I uploaded that to the Chase site also and again asked for their process of declaring me delinquent on my real estate taxes. Ive been told that my request is being escalated. 
I think that this is a money grab by Chase hoping that I wouldnt notice until the payment came out of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :