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

My new checking account was closed right after I opened it. Wells fargo and XXXX XXXX refused to give me the reason. But I new the reason when XXXX XXXX purposely put herself at the bank while I was opening my new account. She falsely called them saying I harassed her while i was minding my own business and the banker i was working with knew i wasn't harassing XXXX XXXX. The police didn't do anything to me either. Wells fargo for XXXX years didn't put in writing that why my account was closed because I was harassing XXXX XXXX. She was harassing me falsely accusing me and she kept getting away with it. Wells fargo finally admitted after XXXX years were up that it was because I was harassing XXXX XXXX which is why my account was closed. I had the original opened for XXXX  year until XX/XX/2015 when I couldn't log in to my online account. I was being set up by XXXX XXXX to pull what she did. 

They need to find someone who isn't in cahoots with XXXX and XXXX XXXX to investigate my complaint. Because if they had looked at the footage of the security cameras. It would show the time XXXX XXXX walked in and the time i walked in. I had no idea at the time she was at the bank. She got away with falsely accusing me once before she was going to do it again. 

When the police didn't do anything. She whined to XXXX XXXX who wrote me a nasty and hostile letter with saying XXXX at the top of the letter stating that wells fargo was exercising their rights to close my account. I was only to call on the phone to conduct any business. This was a violation of my civil rights! XXXX XXXX refused to investigate the security footage that I wasn't bothering or harassing XXXX XXXX. It would show that I was minding my own business talking to the banker helping me. This was dirty and criminal. Then someone at wells fargo said they don't handle domestic issues. Well, XXXX XXXX brought the domestic issue to harass me in the bank to slander I and my son to influence wells fargo to close my account. 

A lawyer told me I can sue for millions for the mental distress and breach of contract for them wrongfully closing my account since this was at the bank where XXXX XXXX continued to harass me. That makes wells fargo responsible for the actions and misconduct that she committed against me. XXXX XXXX is not in charge of my life of what I can or can not have but she is being allowed to treat me like she did.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX Account reporting on my credit report. I have called, writen and emailed. This account is not mine. SOmeone else opened this account.
Product: Credit card or prepaid card

I cant talk to Capital One on XX/XX/XXXX pertaining to my payment on XX/XX/XXXX theyre saying that my payment was returned to see if that the funds from my bank that is incorrect because number one when they got authorization on XX/XX/XXXX they received authorization code I spoke to a young lady and I asked her I said well you are processed my payment did you were did you not receive authorization code she said yes so she proceeded to go on she know what she was talking about so I asked her to give me till supervisor so when I asked him I said well you are processed my payment on the XXXX did you or did you not receive authorization code he told me that they did not receive authorization code so I asked him who was XXXX him a XXXX he was very rude very nasty and told me they were talking to him anymore I can hang up the phone I would just try to rectify So at this point I want to have a siccation shell be done and I want all phone calls to be poured that took place on today and XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX has unpaid checking account debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I never had a checking account with chase bank never opened or gave anyone permission to open an account. I have spoken with chase bank numerous times and early warning systems. They refuse to close the account or remove from their systems yet they told early warning systems the information was inaccurate and told them to remove it from their systems after my complaint and dispute letter to early warning about the account in question was made. It is not on my credit consumer report anymore yet it is still in chase system and I can not get a bank account with chase because of this. have sent a letter to early warning and chase themselves asking for this negative mark to be removed that I dont owe. Early warning has contacted me stating chase confirmed with them it was inaccurate yet chase is still saying owe/own the debt of XXXX $ and refuse to remove it from their systems. I DID NOT OPEN THIS ACCOUNT THIS IS FRAUD AND HINDERING ME!
Product: Credit reporting or other personal consumer reports

On or about XXXX of the year XXXX, I opened an AMERICAN EXPRESS credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXXXXXX XXXX XXXX, various of my accounts were stolen/hacked including this American Express card and my bank account. I filed an official Criminal Complaint with the XXXX in the XXXX XXXX XXXX  about this fraud and theft. 

I sent American Express a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

American Express responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that my bank was linked to the American Express Account. But of course it was linked as this was how I paid my American Express bill each month. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to American Express with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This moving company never provided the service for my move and i was still charged and when I dispute the charge with Chase bank they reversed it until today when I noticed they reversed the claim upon a fake documentation from the moving company falsely saying they completed services. 

This moving company never provided the required services for my move. When I called about the move, they stopped responding & didn't refund full amount. This company never provided the services required under the contract for my move in early XX/XX/XXXX. I paid the deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my calls and emails. I was able to reverse the charges and they sent paperwork to Chase Bank saying the services were rendered.There was no services fulfilled and I was still charged. But they reversed that claim today XX/XX/XXXX upon fake documentation of receiving services.
Product: Credit reporting or other personal consumer reports

To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter. 
I provide below the details of my account for your reference : Account Number : XXXXXXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit card or prepaid card

XXXX XXXX XXXX card ( Comenity Bank ) Last Tuesday, XX/XX/XXXX, we made a payment for {$540.00} ( payment due was {$60.00} ) and the payment was due Friday, XX/XX/XXXX. I received an email confirmation as proof of payment. 2 days ago, we noticed the payment had yet to clear our bank, nearly a week later. We have tried and found that the website has been down since XX/XX/XXXX. In addition, they have not manned their calls centers in a week. No one is answering. I am so mad because even though we paid early and have proof of payment via email from Comenity Bank, they sent an email that we have been hit with finance charges and late fees - we've never been late and my XXXX took a hit because of this! I have gone to their XXXX page and I am reading that this same thing is happening to thousands of customers. Not just XXXX XXXX customers but anyone with a Comenity Bank store card. So many people are getting hits on their credit, even after on time payments! They are scamming people, they will not respond or answer the phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is all about TransUnion they keep taking credit score down for paying cards off and when I get new card they still take score down My debt to ratio would have widened and they just penalize me for this
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my TransUnio n Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was n  ot verified because of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at TransUnion they informed me everything was verified and accurate on bot h Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that was   discharged and also a Lien. I do n't understand how they were verified when noone at the courts verified and there is a Security Freeze in place.
I have attached all documentation showing such information.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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/XXXX
Product: Checking or savings account

on XX/XX/2021 I purchased a group-on through my Chime ( XXXX card ). On XX/XX/2021 I was quarantined by Hawaii even though I had an negative COVID test ( attached ). On XX/XX/2021 I reached out to XXXX to ask for an refund they stated they could not but I should contact my bank. I did, and they denied my claim on XX/XX/2021. On XX/XX/2021 I resubmitted my claim and even sent my flight back home information. Again on XX/XX/2021 my claim was denied. I asked for another rebuttal on XX/XX/2021 and called to check on XX/XX/2021. I was told because I did not specifically ask for an " rebuttal '' it was denied. I resubmitted all documents again and in just a day received the attached denial on XX/XX/2021. Stating that my claim was denied because of groupon policy. The merchant has failed to respond to Chime. Yet they are still siding with them. I have sent everything I can to prove that I did not receive my goods/services and should not be responsible. Also inst it courtesy if the merchant does NOT reply within 30 days to settle in the favor of thei consumer. Now when I contact Chime the agents keeps hanging up on me. PLEASE HELP me.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issued an inquiry to my Experian report. I called them and informed them that I bever tried to get a loan because I never prequalified for a loan based upon my financial history at the time. 

This company stated that they do not have a recollection of my application and never conduct hard pulls for financial service. 

This was explained to Experian credit reporting agency and they refused to investigate and delete the inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> Paypal took my money worth {$460.00} USD Transaction ID XXXX They made a mistake wrong identity because of similar name on me i dont do business im only using my paypal account as personal hope help me to get back my money as soon as possible because thats for my mothers medication they are not responding on my message and in my lawyers email help me to fix this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.
Product: Mortgage

XX/XX/XXXX we were notified by Seneca Mortgage Servicing that we needed to send our payment to a new address in Texas. Beginning XX/XX/XXXX the changes were made to our Online Banking Account. On XXXX XXXX or XXXX XXXX I received a phone call from Seneca Mortgage Servicing stating our XX/XX/XXXX payment had not been received. I let them know I would talk with my XXXX as He always sends out the payments by XXXX Banking near the first of the month. Phone call ended. Husband checked our online banking and said Yes the payment had been made XXXX XXXX but not credited as of yet so He had our Bank research the check. About XX/XX/XXXX /XX/XX/XXXX we received another call from Seneca about the amount owing for XXXX and we let him know the check had been sent out on XXXX XXXX, we asked him the Texas XXXX to make sure it was correct and it was correct. This person made threatening comments to my Husband about Dinging Our Credit if we did n't make our payment. The guy on the phone was angry with My Husband trying to explain we had made the payment, my Husband was very upset, and attempted to work with this person on the phone as the Seneca Guy kept threatening with a 30 days late. To us this is a very serious Threat since Hubby has near perfect credit. We had made our payment early in the month just like always.Our bank got back to us in just days and said the Check was Returned Undeliverable. How does that even happen? The Bank checked with us on the Address again to be sure it was sent correctly, again, Yes all the information was correct. The Bank would reverse the funds back into our account as soon as a couple days, per an email, dated XXXX XXXX XXXX. We made the payment XXXX XXXX. Followed with a XX/XX/XXXX payment on XXXX XXXX. Seneca sent us just before XXXX a Ding to our Credit. Our Credit went from the high XXXX 's to the mid XXXX 's. I Believe something is very wrong here. As of tonight Our Bank is full force investigating Seneca Mortgage Servicing to prove they did not receive the XXXX 's XXXX payment on time, as it also was sent out early enough on XXXX XXXX, XXXX, and Seneca Mortgage is not Crediting the Payment until XXXX XXXX. XXXX XXXX is playing GAMES again to charge the customers a {$73.00} Late Fee/Charges. We were charged a Late Fee/Charges in XXXX XXXX as well. Is n't it Odd they can hold a Mortgage Payment until after the due/grace period so they can charge a Late Fee. Honestly, I could have driven across the XXXX States and Hand delivered the Payment in the time it took them to credit our account and it would have been there with days to spare. I know there are a lot of Bad Reviews about Seneca Mortgage Servicing, as I researched it after the XX/XX/XXXX problem. Someone really needs to help us and those with problems against Seneca. We feel they should remove the Credit Ding, and refund us the Late Fee/charges. How does a Major Company just Return your Mortgage Payment. Not right at all. Even our Major Banking Company thought this odd. And again in just a couple of months doing the same thing.