23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

After a long drawn our process taking hundreds of hours on the phone, Wells Fargo messing up multiple times all of my claims were settled with many denied. One claim that one denied was a wire transfer for the amount of {$1000.00} because it was too long ago. Although they could credit other fraudulent charges that were older they could not refund this. 
Wells Fargo messed up so bad that they blamed the computer for missing transactions that I had disputed so they had to listen to the phone calls. These were some of the missing claims, they were denied. 
There were multiple transactions that were missing from claim XXXX on the XXXX XXXX  ending in XXXX that were requested to be researched. The debit card ending in XXXX was used for 4 unauthorized XXXX transactions of {$20.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$43.00} on XX/XX/XXXX, and {$1700.00} on XX/XX/XXXX. For these transactions claim XXXX was filed. 

This claim was denied because Wells Fargo saw me transfer an unknown amount of money in my accounts so I must have known. I have a letter from XXXX stating that I did not have an account with them. Wells Fargo says to work with XXXX yet XXXX has no record of me. How could any transaction that took place using a XXXX account that I never had, not be fraudulent. Wells Fargos statement even says they were unauthorized. To top it off one of the original investigators failed to pass along the id theft information so they hit me with dispute fraud, closed my accounts and I had no access to my statements. So I had to go to the local branch print out about a foot tall stack of paper transactions that werent even in chronological order. Up until Monday ( XX/XX/XXXX ) I was told they were still working on the case, I still had hope. When I called to check the status they told me that they figured it out on the XXXX and it was just a computer error why I was receiving emails
Product: Credit reporting or other personal consumer reports

Second Request/Demand/Identity Theft Victim Trans Union Conducted Sham Investigations on My Trans Union file , rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
District Court for XXXX XXXX of XXXX  XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX XXXX Attacks . The derogatory information reflected in my credit report maintained by Trans Union under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( Case No. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Trans Union multiple times that the entries below are erroneous and fraudulent. 
Account Name : XXXX XXXX XXXXo : Account Number : XXXX : Balance : {$27000.00} : Opened : XX/XX/XXXX Account : XXXX XXXX Account Number : XXXX : Balance : {$3200.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$4500.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX- Account Number : XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$1600.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX : Balance : {$2600.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$6000.00} Opened : XX/XX/XXXX Account Name : XXXX  XXXX- Account Number : XXXX : Balance : {$1300.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$110.00} : Opened : XX/XX/XXXX Trans Union routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Trans Union has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Trans Union has harmed, bullied, and harassed me
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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
Product: Bank account or service

On XXXX XXXX, 2015, I informed Ally Bank of XXXX transactions that I did not authorize nor did I engage in. The bank sent me a letter dated, XXXX XXXX, 2015 acknowledging the disputed transactions totaling {$2800.00}. As of XXXX XXXX, 2015, provisional credit for the XXXX transactions ( totaling {$2800.00} ) have not been posted to my account. ( Documentation is attached )
Product: Vehicle loan or lease

I have a loan with PENFED Credit union for a vehicle that was stolen. I pay the loan each month but PENFED has reported fines on my credit for no longer keeping FULL COVERAGE insurance on a stolen vehicle I do not have. They call me twice daily, email me, and mail me. I do not owe them anything but the loan which is never late as it is automatically withdrawn from my account.
Product: Checking or savings account

I enrolled in a Checking/Savings account opening offer with terms as below with Citibank. 
- Open new Checking and Savings account in Citibank Account package - Within 30 days deposit {$15000.00} into the checking and savings account - Maintain the balance of XXXX for 60 days - The Bank will deposit a bonus of {$400.00} within 90 days of completing all above steps. 

I opened the 2 accounts online on XX/XX/2018 and submitted for opening-deposit to be transferred from my external account for the amount of {$15000.00}. 

However Citibank failed to transfer the opening deposit even after 15 days. So I enquired about it and was told that there was some error in their system and I need to do it myself. 

So I did the below deposits as soon as I received new account documents : XX/XX/2018 - XXXX to Checking account in person at branch XX/XX/2018 - XXXX to Savings account in person at branch XX/XX/2018 - XXXX to Checking account via direct deposit In total within the 30 days of opening the account, I had {$15000.00} balance in both the accounts spread as below : Checking account - {$14000.00} Savings account - {$100.00} I maintained this balance until XX/XX/2018 ( > 60 days ). 

I did not receive the promised bonus until the end of XXXX. When I enquired with online chat representative on XX/XX/2018, the representative confirmed that I have met the requirements of promotion on XX/XX/2018 and would receive the bonus by XX/XX/2018. 

However on XX/XX/2018 I received an email that I am not eligible for the bonus because " The required deposit balances were not maintained during the offer period ''. I called the customer service and talked to an agent about it. The agent went through all the details and again said that it appears that I've met all the requirements and should receive the bonus. She opened a case fo me. 

The case was closed by Citibank after a few days stating the same reason without any more details. 

One anomaly that had happened was that on XX/XX/2018, a Monthly service fee of {$25.00} was posted to my Savings account. However, according to the terms of the account if XXXX or more is maintained in linked checking accounts the service fee is waived. I called up the customer service about this and they acknowledged that there was an error in their system and reverted the incorrect service fee withdrawal by crediting {$25.00} back to my account on XX/XX/2018. 

Due to the above mistake on the banks end the balance on my account went below {$15000.00} that is needed for the bonus offer. 

Since the above is an error on the bank 's end and not a fault of mine I strongly urge the bank to honor the Bonus offer that was extended to me and deposit the Bonus offer to my account at the earliest. I have followed all the steps to receive the bonus and completed all the activities as I've outlined above.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be blocked and permanently deleted from my credit report as they are not authorized by me. 
Fraudulent Accounts 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: Debt collection

On XX/XX/XXXX, I mailed a Debt Validation Letter to Portfolio Recovery Associates, XXXX ( XXXX, XXXX ), as USPS Certified with Return Signature ( attached ). In response to a listing on my credit report, this is a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating the claim is disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay {$2300.00}. I listed a description of the items needed. Of importance was a request for copies of all statements while the account was open. I did not receive it, along with other information requested.

In summary, I received the following documents from PRA, LLC, which I attached : Document A from the Dispute Department states the Seller provided an electronic file of its business records containing information concerning the account and further to contact the PRA. LLC Dispute Department for a history of payments posted after the Sale.

Document B from the Dispute Department states that it has completed its investigation of my dispute concerning the account and have attached/mailed documents related to the account, which establishes its validity. 
Documents C1 and C2 are two pages of the XX/XX/XXXX to XX/XX/XXXX Statement Statements for XX/XX/XXXX through XX/XX/XXXX are not included because they include postings after the sale to PRA, LLC. 
Document D is a Notice of Sale from XXXX XXXX XXXX  to PRA, LLC My request is that PRA, LLC provide copies of all statements, while the account was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX show 14 late payments for my XXXX loans with the Department of EducationXXXX XXXX in XXXX and XXXX of XXXX I have contacted XXXX to verify and correct this information and have been advised that no late payments are being reported. I have also submitted several dispute letters to the credit bureaus, which have been unsuccessful in getting this matter corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 )  The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im  requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my repeated submissions, Experian consistently responds within 24 hours claiming that the account is accurate, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. Additionally, Experian actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the CFPB 's recent administrative proceeding ( File No. XXXX ) addressing similar noncompliance issues. 

I respectfully request that the CFPB take appropriate action to ensure Experian complies with federal law and provides consumers with adequate evidence of their investigation process. The account in question is as follows : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date OpenedXXXX Balance : {$650.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$4200.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Debt collection

In addition to repeated calls while I was at work, CPS contacted several friends and colleagues. They identified themselves as a debt collector and identified the specific debt they were trying to collect, asked for my address and who my employer was ( information they already have ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT get my credit report from Transunion CRA. This is an ongoing problem with Transunion. I contacted CFPB the 1st time in XXXX, then XXXX XXXX. XXXX, XXXX, now today XXXX - it just doesn't stop! You fixed it, however, Transunion CRA is doing the same thing again and again and again! They are doing this deliberately and by design. If you want, your employee/s can come to my home and I will prove it in front of them. OR, I will come to your office on your PC and prove it to you. Transunion CRA WILL NOT COOPERATE AND MAKE IT EASY FOR A CITIZEN TO GET THEIR FREE ANNUAL CREDIT REPORT. No one or no agency is making them do this so they are laughing at you and me, XXXX XXXX XXXX and NOT cooperating. 

Transunion must be forced to follow the law or be PUNISHED to the maximum penalty amount for NOT following the law! Hit them in the pocket book and they may listen! 

I have no problem or complaint with XXXX  or XXXX XXXX XXXX. Let 's work as a team to nail Transunion CRA and make an example of them! Let 's stop their nonsense AND make them pay money. Keep hitting them with violation after violation until they learn.
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
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. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up to my earlier complaint about fraudulent activity on my credit report. Under FCRA Section 605b, Credit Reporting Agencies are required to delete any entries listed in an identity theft report, reference number XXXX. Attached are the documents needed to facilitate the removal of incorrect personal data and unauthorized inquiries from my report. Below is a list of items opened without my authorization : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In compliance with FCRA Section XXXX05B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Product: Credit reporting or other personal consumer reports

Consumer report agencys ( transunion and Experian ) are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of error 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.

the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii The information is, in fact, inaccurate.

Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something The continued reporting of this inaccurate information is a clear violation of the Law 15 USC1681 s-2 of your responsibilities as a furnisher of information. 
They are furnishing webbbank/fingerhut which was charged off and sold. The alleged debt do not belong to XXXX no more. So furnishing this information on my consumer report is in violation of 15 usc 1681 s-2
Product: Credit card

Title XXXX subsection title XXXX faults and misleading denial of own credit. They can not violate me of my own personal credit violation of consumer law. and theyre sharing false information.15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805
Product: Money transfer, virtual currency, or money service

As of XX/XX/2020 on Tuesday morning at XXXX my Cashapp account was locked. It has the total amount off {$4500.00}. When I got this notice it told me the account will be unlocked within 24 hours, or to send them an email to dispute the reason why the account was locked. I sent them an email and there online services says they will respond with in 48 hours. Since Thursday morning was more than 48 hours later, I have sent them 3 other emails trying to receive my money that is locked in there account. They have not responded to any of my emails or even attempted to call me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I used my CapitalOne card ( XXXX ) to reserve a hotel room at the XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX, for that same night. Because I was in a truck and using my phone, it was difficult to navigate the confusing flurry of pushes from various travel marketers ( XXXX, XXXX, etc. ) and I inadvertently ended up in the XXXX portal. Despite several attempts to set the correct date, and my belief that I finally had the right ( i.e., same-day ) reservation, unbeknownst to me XXXX set the date for the following week ( XX/XX/XXXX ). 

Upon arriving at the hotel desk minutes later, I was informed by desk agent " XXXX '' that XXXX had instead booked me for XX/XX/XXXX, instead of XX/XX/XXXX. After a frustrating hour or so of attempting to communicate with XXXX overseas call center personnel, XXXX was able to cancel the incorrect reservation ( XX/XX/XXXX ) and booked me right then and there for the night- unfortunately for an additional $ XXXX compared to the price I expected. That cancellation was verified on XX/XX/XXXX by hotel manager " XXXX ''. 

Despite having cancelled the incorrect reservation within an hour of booking, XXXX has refused to refund the {$200.00} charge - EVEN THOUGH THEY DID NOT PAY THE HOTEL. Despite an extended conversation on XX/XX/XXXX with their Transaction Support Center ( i.e., dispute department, CSR " XXXX '' ) CapitalOne has not been able to make XXXX do the right thing. Regardless, that's what credit card companies are required to do - protect their card holders / customer.
Product: Credit card

On XX/XX/year>, Oportun closed my account. I was mailed a notice but was unclear on why my account was closed. Oportun has failed to provide me a statement of specific reasons and/or a disclosure of my right to a statement of specific reasons pursuant to 12 CFR 1002.9 ( a ) ( 1 ). I have a right to know why my account was closed and what proof and documentations were used to make such decisions. On XX/XX/year>, I mailed my correspondence to Oportun regarding the closing of my account, which was delivered to the front desk, reception area, or mail room at XXXXXXXX XXXX on XX/XX/year>. As of XX/XX/year>, I haven't received any correspondence from Oportun, regarding my concerns about the closing of my account. Oportun is in violation of 12 CFR 1002.9 ( a ) ( 1 ) by not providing me with a statement of specific reasons for action taken on my account and/or a disclosure of my right to obtain a statement of specific reasons within 30 days after taking action on my account. This matter has caused me financial hardship, I do hope to resolve this issue ASAP.