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

Chase bank closed my banking account abruptly without stating why, which as they said they can do that. On XXXX Chase closed my account during that process my payroll check was just deposited and bills needed to be paid. Since the time of closure, I have been contacting every other week. For the pass XXXX months they keep telling me the fraud department is still investigating my account and they would contact me soon. They sent me a summary of my account balance and deposit. But nothing stating they will send me a refund check.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I tried to personally deposit my XXXX XXXX XXXX check for XXXX $ at a Bank of America branch in XXXX, CA. Hoping I could have immediate access to the funds, the teller mentioned the funds wont be available for the next few days as it was only for deposit and they would have to check availability of payer funds ( XXXX ). 

BofA has been putting a check hold on all deposited checks since the start of 2023 in which my account has incurred accumulating overdraft fees. 



XXXX issued the check XX/XX/2023 # XXXX
Product: Debt collection

My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies  involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. On multiple occasions, Zelle has failed to properly investigate my claims and has informed me that they are unable to refund or reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report and identified some unauthorized items from my file. These items need to be blocked and deleted from my file immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

in XXXX of XXXX, I suffered and got very ill during the early days of the XXXX. I was not able to make my credit bill for the month of XX/XX/XXXX. During my recovery I was able to call my Capital One, my credit provider and my payment was made later. And all was settled. Or that was what I thought. 
I have been with Capital since XX/XX/XXXX and have never ever missed a payment until I got ill. 

The problem is capital-One reported my one missed payment to the Credit Bureaus and this has placed a serious blemish on my credit that I am currently suffering to rebuild. 

I called Capital One, my my credit card Provider and have pled with then several times. I formally wrote a letter to their Utah Division that is responsible for handling such issues but all I have got is NO. 
Attached is a case number of their { XX/XX/XXXX '' most recent response to me : XXXX My credit has been bad and I am on course to fixing it. I have suffered from paying high interest whenever any lender decides to give me any loan. I can rent an apartment on my own because of my bad credit. 
Now that I am on course to fixing my credit and blemish shown credit right now is destroying me further by keeping the the claws of poverty. 
I have had a credit account with capital One for 2 years and 8 months, the only payment missed was when I was ill. This Illness was due to no fault of mine, so how can I be punished for years to come because of it? How? 
Please, Please, Please!! Help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them and got confirmation that comments regarding my account were incorrect and should immediately be removed but they werent
Product: Debt collection

On XX/XX/2018 I received a phone call from a company called Gatestone in XXXX. I have never heard of them nor do I owe them any money. I want no further communication from them in any form. They deceptively use phone numbers with an area code that appears to be the same area code as the phone number you are using. Gatestone  is engaging in deceptive debt collection practices in flagrant violation of the Fair Debt Collection Practices Act. They misrepresent who they are and are deceptive. They repeatedly asked for my address when I told them I wasn't going to provide anything to someone who is being deceptive.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to know that I am victim of identity theft. This is destroying me because I can not understand one thing- Why you guys do not check what you report? How that possible that I am a victim of identity theft and I need to write you and to beg you to remove wrong and somebody else items? For how long I have to wait in order to see my accounts in my report? I want to see my accounts in my credit report please I kindly ask you organize it, to check everything control your actions and to start reporting my information finally! Thank you
Product: Checking or savings account

I received an email on XX/XX/2022 from my Bank. XXXX XXXX to join XXXX and enter to win {$1000.00}. " Just complete Income Boosters or invite friends to join XXXX by XX/XX/XXXX! '' It sounded interested because I received the information from my bank. So I called my Bank to verify that the email actually came them and not a Scammer. I was put on hold on for while and the Customer Service representative who was handling my call, was able to verify that the email did come from XXXX XXXX. 

I created an Account with XXXX and selected Income XXXX, XXXX, XXXX, and XXXX. XXXX is still on pending status. I closed the approved XXXX XXXX XXXX because they were taking a Subscription fee of {$9.00} every month and not puting it towards any Investment as they had stated in their agreement and what they advertised on TV. I received refunds for the money that they had taken from my Bank account. They had lied to Steady about their investment practices. 

The main report that I am filing is against Albert Bank. I opened an Account with them as one of the income booster, starting with a Savings Account with {$20.00}. For there, they took {$5.00} on XX/XX/2022, {$7.00} on XX/XX/2022 and claimed that it was for EDI payments for tips, {$8.00} on XX/XX/2022, {$11.00} and {$9.00} on XX/XX/2022. I have checked my Albert Bank Account and the only money that I see is what is in my XXXX XXXX. I don't see money going towards any thing of investment. I have contacted Albert Bank several times and have not received a credible explanation of why they are taking out money from my XXXX XXXX. I filed a complaint with XXXX XXXX two weeks ago to dispute these charges and Albert Bank was given time to come up with explanation of why they took out {$8.00} from my Account. I called XXXX XXXX today to discover that Albert Bank never contacted them to give any explanation. I have told XXXX XXXX XXXX put a stop payment to Albert Bank and filed a dispute for {$8.00} taken on XX/XX/2022, {$11.00} and {$9.00} taken out on XX/XX/2022, and the {$20.00} they took out in XX/XX/2022 to open a Savings. 

I have notified Albert Bank today about the charges that were taken out today, their failure for not coming up with explanations of why they take out money from my XXXX XXXX Account, lying, to XXXX about their investments, my intent to contact XXXX to remove the direct deposit that I had set up using XXXX, closing my Account them for good, and have from XX/XX/XXXX to XX/XX/2022 to return all the money that they have taken from my Account. 

To me, it looks like they are operating a Scam or Fraudelant business instead of running a Bank. I have a question (? ) mark about operation and whether they are have FDIC protection. I researched and found a Customer Service number for Albert Bank. When I called the number, I was referred to the Albert Bank app to contact XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name 
 XXXX XXXX XXXXXXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 



XXXX XXXXXXXX - XXXX - this account does not belong to me 
 XXXX XXXX XXXX XXXX - this creditor does not own this account. 


 XXXX XXXX- XXXX- I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX, XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately 
XXXX  XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 

XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having sent TransUnion a certified and notarized letter informing them that they are in violation of the FCRA owing to the fact that they have been reporting incorrect information on my credit report, they have failed to investigate this matter. 

The following inquiries are showing on my credit report that needs to be removed because at no point whatsoever did I authorize these inquires : XXXX - XX/XX/21 ( showing XXXX entries ) XXXX XXXX  - XX/XX/21 XXXX - XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX XXXX XX/XX/21 XXXX/XXXX  XXXX XXXX XX/XX/21 The companies can not verify these inquires, how then did TransUnion verify them to be accurate? I did NOT authorize my credit to be ran for a permissible purpose. Delete to avoid continued violations of the FCRA. 

I look forward for an amicable resolution into this matter.
Product: Debt collection

I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX. 
The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.
Product: Debt collection

It's bad enough for a collection to be placed on your credit that you do not owe. Even worse, the company has no recollection of my account. I have attempted numerous times to contact this company in regards to a collection that has been added to my credit. The client 's name that they " claim '' i owe money to is an apartment complex, called XXXX XXXX XXXX XXXX, that has conveniently been bought out by another company over two years ago and no longer has any records to indicate that I did not break my lease and departed from them legally. What makes it worse is that I had a roommate at the time who was violent and was ultimately my reason for leaving. The company was so helpful in making sure I had written letters, signed documents, and paid my portion of the rent and any remaining fees so that nothing would be tied to me. I see now that was a lie. And now this establishment is callled XXXX XXXX  with no documents in regards to me from its predecessor. How convenient. I left the complex in XX/XX/XXXX and I did not hear a word from anyone claiming I owed money until XX/XX/XXXX. First, I owed almost {$3700.00}. Now after disputing this amount for at least the third time, and most recently with XXXX, it was concluded that I apparently owe {$2700.00} when the original amount was {$2400.00}. Somehow, it changes on my credit score every  time i look into it. This is utterly ridiculous. Conveniently, now that the apartment complex no longer exists,, the new company can not find any information or files from when I lived there, which included me signing the proper paperwork to be removed from the lease as well as providing them with a notice and I needed to pay my portion of the rent for the last month i was there. Although, I do have a picture of the money order I have to the company which they accepted and I will attach that. Also, I have a copy of my 30-day notice stashed. I still have yet to talk to anyone in the company about my account because either I call this quality recovery " company '' no one can help me with my account because it can not be found, or I am threatened by them with the use of vulgar language. After several attempts, there was only ONE time I was ever given was an amount.. just told them my FIRST name, but didnt verify a thing and theyre asking for my card information. She wast even able to tell me why I hadnt received anything about the collection in the first place. Lies. Unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between 530 - 555 when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and XXXX were able to verify the accounts as fraudulent, still Experian keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXXXXXX BANK NA Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX Act, 12 U.S.C. 5531.
Product: Checking or savings account

Wells Fargo called me XX/XX/2022 asking about multiple payments and deposits. I replied they are not authorized transactions.Learning there was a total of {$17000.00} taken from both credit cards and a line of credit. In addition there was a payee by the name of XXXX XXXX created through my online banking. There was a withdrawal of {$19000.00} to XXXX XXXX from my checking account ending in XXXX. Ive been in contact with Wells Fargo for over a month trying to fix this situation. Ive been to the Wells Fargo branch on three different occasions ( Both XXXX, Ca and XXXX, Ca ). In addition, I have called Wells Fargo north of 10 times, spending an average of 2 hours on the phone each time. When I call, I am transferred to a different department, which ends up hanging up or losing connection. Ive changed my online credentials and have called the credit bureaus to inform them of a security breach. A police report has been filed with the city of XXXX, report ID : XXXX. Case : XXXX
Product: Debt collection

I have no knowledge of this account with gulf coast collections. They have called me numerous times and this is not my debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.