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

I received an email on XX/XX/22 informing me that my account was overdrawn and that I had 15 days to make a payment before my account would be closed. On XX/XX/22 I added funds to the account. On XX/XX/22 I received another email informing me that my account was now closed. I called the number listed for customer service informing each of the representatives that I spoke with that my account was closed even though the email stated that I had 15 days from XX/XX/22 before it would be if I did not add funds. 

No one cared. Everyone reiterated what I had already told them which was that the account was closed. I asked to speak with a manager and was denied and then the representative hung the phone up in my face. Another representative pretended not to hear me anymore and then ended the call. Another representative suggested I go to a branch when there are no branches anywhere near me or open another account, and why would I do that when I feel like Ive just been scammed. 

Clearly this is a level of fraud to tell someone that they have a certain time frame to make a payment and once the payment is made you close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX My husband, went to a Wells Fargo 24 hr ATM. He accidentally hit fast cash {$400.00}. It asked if he needed a receipt, realizing he hit the wrong amount he canceled the transaction, got his bank card out and then he proceeding to conduct his transaction for the right amount of {$300.00}. {$300.00} was dispensed and my husband left that ATM. A few days later I noticed a charge for {$400.00} and {$300.00} on my bank ( XXXX ) I proceeded to follow an ATM dispute. XXXX dispersed {$400.00} until they had a finding. Well, Wells Fargo came back saying that no error occurred, that these transactions cleared on two separate days. XXXX then took back that temporary deposit of {$400.00} on the XX/XX/XXXX when Wells Fargo came back and said that no error occurred. I have a {$610.00} ATM withdraw limit on my card, per day. My husband did not take out the said {$400.00} and {$300.00} on XX/XX/XXXX. If he did, our card would have not allowed him too due to the {$610.00} limit withdraw on our card. However, Wells Fargo somehow cleared the transactions on two separate days? How is that possible when they were done back to back? Wells Fargo stated that they have different transactions happening in-between my husbands ATM transactions for {$400.00} ( Accidentally ) and the {$300.00}. After getting the run around between my bank ( XXXX ) and false information, we have tried desperately to rectify the situation ourselves. We went directly to Wells Fargo, and because we are not customers of them they can not help us. We then went to the Police station to file a complaint and they stated that we would need to take it to civil court. We would just like to receive our {$400.00} back that happened to " disappear '' due to a fault on Wells Fargo ATM. Also I would like to note that when Wells Fargo tried to " help '' us all they could tell us was that they their ATM numbers were " fine. '' I know an error occurred somewhere within the Wells Fargo 24 hr ATM, because my family and I are short {$400.00}. 


Attached will be the ATM dispute that showed the money was dispersed, even though we did not receive the {$400.00} because my husband canceled the order.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a copy of my credit report and it shows Chase was 180 days late. This was part of a loan modification in which has now been made current but is not reflected on my credit report. This needs to be updated. 

Also Chase was a second line of credit which was settled and is reflected on the credit report but should have been removed from the report by now. The account was settled back in XX/XX/XXXX. 

Last in XX/XX/XXXX XXXX credit card shows a 30 day late payment. This was due to a mistake on XXXX  who sent my bill to the wrong location. The bill was paid and i was told it would not be reflected on my credit report but it is.
Product: Credit reporting or other personal consumer reports

15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX Experian, XXXX and has been editting out evidences when I tried to check the credit score on my end.

I tried twice to call Experian to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused.

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT 600. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
Product: Credit card

Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.
Product: Credit reporting or other personal consumer reports

I obtained a copy checking my credit report after recieving letters in the mail that my person information has been confiscated during a breach and a cyber security attack the following accounts listed are not mine and are unauthorized Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX Inquiries : XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

LVNV funding LLC I believe this is an installment loan that my brother in law or someone fraudulently opened in believe its fraudulent I have never ever gotten an installment loan or a loan with such high interest my identity has been stolen over 5+ accounts have been fraudulent made what makes me think this is my brother in law is because this company is in South Carolina where he is from and lives and he has had access to my info and the time period just makes sense that it was him
Product: Debt collection

I am a federally protected consumer, submitting this complaint on my own behalf ; expressed on XX/XX/2021 ; I contacted THE LAW OFFICES OF XXXX. XXXX XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW on or about XX/XX/2021 requesting remaining documents to validate and verify dunning response on or about XX/XX/2021. 

It has been greater than 30 days since I sent notice of dispute, demanding proof of claim and I have yet to receive documents providing proof of claim of referenced account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IL Dept of Healthcare and Family Services Division of Child Support Services XXXX XXXX XXXX HFS XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verfiod correctly. My credit report is still showing Inaccuracies, 15 U.S.C. 1681s 2 ( AX1 ) A person shall not fumish any information relating to a consu nor is an / consumer reporting agency if the person knows or has reasonablo cause to beieve that the information is inaccurate,
Product: Debt collection

I found multiple accounts on my credit report that seem to have been added unlawfully. I ask that these fraudulent entries be blocked and eliminated promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to bring to TransUnion 's immediate attention a serious discrepancy in the information that TransUnion have reported on my credit profile. It has come to my attention that TransUnion are currently reporting a DELETED account/information from other credit bureaus. I must remind TransUnion that as per the Fair Credit Reporting Act ( FCRA ), it is paramount that the information TransUnion report is 100 % accurate. Therefore, I demand that TransUnion IMMEDIATELY REMOVE this account from my credit report as soon as possible. It is evident that there has been a grave oversight on the part of TransUnion Credit Bureau. The fact that TransUnion are still reporting an account/information that has been deleted by other bureaus suggests a blatant violation of the FCRA regulations XXXX I can not stress enough the importance of maintaining accurate and up-to-date credit information, as it directly affects my financial well-being. The following items must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; I expect TransUnion Credit Bureau XXXX XXXX this matter with utmost urgency and accuracy. It is TransUnion 's legal obligation to ensure that the information TransUnion report is accurate, complete, and free from errors. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is TransUnion 's responsibility to conduct a thorough investigation into the matter at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX owe {$6300.00} opened in XX/XX/XXXX XXXX owe {$9700.00} opened in XX/XX/XXXX XXXX/XXXX XXXX XXXX   owe {$1500.00} opened in XX/XX/XXXX XXXX XXXX owe {$1000.00} opened XX/XX/XXXX XXXX XXXX owe {$250.00} opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX amount {$13000.00}
Product: Money transfer, virtual currency, or money service

I have never done business with LVNV FUNDING LLC. I have never authorized LVNV FUNDING LLC to use nor trespass on private property. {$2500.00} due now for trespassing, copyright infringement, and unlawful use of private property without official consent. Delete all records associated with XXXX XXXX and/or XXXX XXXX XXXX including account numbers XXXX. make all checks payable to XXXX XXXX, mall to address on file.
Product: Payday loan, title loan, or personal loan

I was try to apply for a loan for {$1200.00} And the online document was ask me to sign And I sign it, and its wasnt showing approved at first. 
So I research other loan company. 
And check my email. 
I suddenly find out the loan of {$1200.00} was approved and gon na send me the money on next day. 
But the interest rate is at 653.44 % If I know the rate is this high I wont even try to apply with them ; and I cant even afford this amount. 

My loan amount is only {$1200.00} The pay off amount is {$6900.00} Is this 653.44 % interest rate is illegal in California? 
Can I sue them? 

Please help me. Im really hopeless
Product: Credit reporting or other personal consumer reports

improper use of my credit report ..Inquieres that dosent belong to me ..Please remove them XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I was an account holder of Discover Bank and my account was closed in 2023 and charged off according to my equifax credit reported, since I didn't know how to remit for my legal and equitable interest at that time. I requested from Discover multiple times a copy of my 1099C and full accounting according to XXXX  using XXXX  and I was ignored and denied and to date Discover has not provided me with a copy. I have evidence Discover sold the account and received a letter they were trying to collect a debt for Discover Bank on the account.
Product: Credit reporting or other personal consumer reports

The following accounts need to be removed. 
XXXX XXXX does not look familiar to me nor does the XXXX XXXX XXXX XXXXXXXX was closed and completed and needs to be remover also. XXXX  doesnt sound familiar and XXXX  was completed.
Product: Checking or savings account

On XX/XX/2024 a {$120.00} charge was made on my debit card, I did not authorize the charge, recognize the charge and even contacted the merchant listed on the charge for information. Neither myself or the merchant recognized the charge and had no information regarding the charge or what it was for. I contacted my bank the next day to report the debit card charge as fraudulent/unauthorized and Chime immediately emailed me saying no fraud has occurred I called to re-open the dispute the next day, immediately received an email determining the charge as an authorized charge. I called them again to let them know the charge was definitely not an authorized charge and was fraud for now the XXXX time I called asking for more information on their decision of the charge being authorized by me even though I had clearly stated now XXXX times the charge was not authorized, I did not recognize it and it was absolutely fraud. Chime is still unable to provide any supporting reasoning. 
I re-opened the dispute a third time this time with supporting documentation for my dispute from the actual merchant this scammer is using as a cover name and they confirmed there is a scam going around using their name and they have no record of me in their system, no charges or purchases and the charge was definitely fraudulent. Even with this supporting evidence, received a third denial from chime with no supporting documents they had determined the charge to be authorized and not fraud I am at a loss of what to do next..
Product: Credit reporting or other personal consumer reports

I have sent numerous emails to XXXX XXXX XXXX  demanding that the claim be finalized. My Attorney has also sent numerous emails requesting the same. I have been waiting for the claim to be finalized since XXXX. I have had XXXX forbearances. My credit is now damaged due to the delay of processing the claim. Now XXXX XXXX XXXX  has decided to not move forward with the claim. My credit score dropped from XXXX to XXXX. Now I'm not able to purchase a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late for XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Product: Checking or savings account

I am traveling in XXXX with my XXXX daughter. Chime suddenly closed my bank account with no explanation. I have tried to resolve this for over a week with no success. It is absolutely impossible to talk to anybody there. From what I understand they are doing this often and in some cases keeping the peoples money. What is going on with this bank?
Product: Consumer Loan

Loan payment was due on XXXX XXXX. I have been Ill and I am in the process of filing bankruptcy. I came home to find a business card in my door from the manager of Sun Loan Company in XXXX Missouri with the amount I owe instructing me to get " ahold '' of us. 
This was next to a notification of a package delivery. I feel I had notified them of my intentions of Bankruptcy. I did change attorneys. I also advised them of being ill and my inability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you investigate and take necessary action to remove them from my credit report.
Product: Money transfer, virtual currency, or money service

I contacted XXXX regarding an issue I was having with a refund but unbeknownst to me was connected to a fraudulent call center. They asked me to open Zelle on my bank account and enter some code numbers to confirm my account for the needed refund. At the time I did not know what Zelle was or what it does and was defrauded out of {$3500.00}. 

When I contacted my bank ( XXXX XXXX XXXXXXXX ) more than once on the same issue, I was told there was nothing they could do and the charges could not be reversed. Trying to contact Zelle directly is impossible, as they just refer you back to your bank. 

I filed a police report with city of XXXX XXXX XXXX report number XXXX on XX/XX/2021
Product: Mortgage

I paid an escrow balance off to keep my monthly payment the same, which they told me it would and as I've done for years. The escrow papres gave me a choice of two different new payments, but I called them and got the greenlight to pay escrow ( {$250.00}. and change ) but they went ahead and raised my monthly payments ANYWAY, thinking I wouldn't try and resolve it. Well, XXXX. I'm not having it, tell me one thing and do another. They keep this XXXX  up and somebody is going to get hurt, I do play that XXXX!!!!!
Product: Checking or savings account

This is a follow-up complaint to # XXXX Wells Fargo stated they would close my Time Account without penalty. However, the funds from that account ( {$6500.00} ) is mysteriously missing. I have called and been placed on hold by 6 different departments. No one knows anything. I need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies/creditors 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 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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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