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

On Saturday, XX/XX/2022, I made a mobile deposit of a check in the amount of {$600.00} around XXXX when I retrieved it from my mail. The bank I have is Wells Fargo. I wrote " For mobile deposit at Wells Fargo only '' on the back of the check as instructed. 

On Tuesday, XX/XX/2022, the {$600.00} was deposited into my account. After work I took out money from the ATM and used my debit card for purchases. 

On Wednesday, XX/XX/XXXX, my account was - {$600.00}. I immediately called Wells Fargo to see what was going on. Not one person could give me an explanation other than that the check was deposited twice. I explained that I deposited the check one time through their mobile app and threw the check away because I never had issues with mobile deposits with other banks. They made me file a claim and ensured me the funds would be back in my account in 3-4 business days or 10 days at most. 

I called again on Tuesay, XX/XX/XXXX to check the status of my claim because there was a deposit from my XXXX of {$880.00} going to this account on XX/XX/XXXX and I needed the - {$600.00} balance to be removed. The negative balance was not removed and the {$880.00} deposited into my account on XX/XX/XXXX. I only received {$280.00} because my balance was still negative. 

I called Wells Fargo again on Thursday, XX/XX/XXXX, and someone informed that the funds would be back in my account today XX/XX/2022. The funds were not back in my account. 

I called today, XX/XX/XXXX, and they told me the claim was closed and I told them I can not be out of {$600.00}, that it was from my personal XXXX. They made me file a second claim and stated I have to wait another 3-10 business days. I have living expenses to pay ( as we all do! ) and really need this money back please. Thank you kindly for your help!!
Product: Checking or savings account

My account was hacked three times thru Wells Fargo. The charges were all taken from cash app from my account to some cash app account. the first claim I was able to be refunded. I went to the bank to get a new card. Not too long after similar fraudulent charges again to cash app were made. This made me believe my account number it self was compromised I was assured by the bank it was not and they wouldnt allow me to get a new account or withdrawal all the funds from my account as my last name on the account was my married name XXXX not my maiden XXXX. I was divorced and needed a certified copy of my divorce decree instead of the online copy I received as the divorce was done all online during covid. Well for a third time my account was hacked for {$5700.00} and {$2500.00} from the same exact way thru cash app and Wells Fargo is continue to deny my claim as I keep trying to escalate it. Had I have been able to get a new account or take my money out of my account as I tried this would not have ever happened for a third time. My concern as well is if I already had two fraud claims just since XX/XX/2021 for large amounts, why wouldnt these charges cause a red flag at the bank? I have filed a police report along with a claim with Washington State Attorney XXXX XXXX. Please help me to get my money back I am a single mother of XXXX.
Product: Credit reporting

i wrote to the CRA 'S that there were several bankruptcy cases on my report and that they were not accurate and should verified and removed, they responded with they have been verified i wrote back and asked the method of verification and who they corresponded with, they wrote back we have told you we verified the items and that i should contact the bankruptcy court for more info so i wrote to the court they replied with dear sir we DO NOT REPORT TO THE CREDIT BUREAU AND WE DO NOT SUPPLY social security numbers to any agency, i then wrote back to CRA and sent a copy of the letter and requested that they remove this info as it has not been verified XXXX removed it immediately XXXX AND EXPERIAN both replied we have verified thru a 3rd party who reports public records i wrote back explained to them that i was seeking a attorney to fight this further i explain to them that who ever is reporting to you i have a right to know who they are and that they should be on my report so i can address them properly if they are furnishing information furthermore i did not give them permission to give out my social security number XXXX need to know who they are what is the furnisher information they replied the NORTHERN DISTRICT BANKRUPTCY COURT so i went down to XXXX XXXX XXXX in XXXX Texas and went into court and spoke with a clerk asked if they were a customer of the CRA 'S she said no i also asked her if they verify information when the CRA 'S send those request she said sir we have ABSOLUTELY NO DEALINGS WETHER DIRECTLY OR IN DIRECTLY THE CRA 'S can pull info from companies like XXXX and get this information i bowed her my letter from CRA 'S said that they verified information with your office she said not true we do n't do that and we certainly are not violating any federal laws i will give you a copy of the same form we sent you i asked well can you call them to tell them this she said we ca n't do that and we DONT correspond with them Period here is your letter i then sent this to the CRA 'S for the 4 time and asked they remove this unverified information Experian called me and told me that they were re investigating the case 1 hour later they removed XXXX perfectly good accounts from my report i called and asked why they said they did n't come in under your social i said mam they are credit cards that belong to my father i am authorized user she said thats illegal you need to give me his name i will contact him i said mam you have his information she said he has to verify that he placed you on his cards then we will put you back on i said really even though its illegal she said she had to transfer me to a sup visor that never answered the phone i have did everything they have asked me to DO and they are still violating the law with no fear of any action being taken
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX USA DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Company : I am a victim of identity theft due to the XXXX  Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

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

I have two CitiCards. An Awards ( ... XXXX ) card and a XXXX XXXX ( ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( XXXX ) were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from XXXX ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. The only problem with the letters is that they both have card numbers that are invalid ( not enough digits and are nowhere near any card number issued ). 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX XXXX lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

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

Company - TransUnion, XXXX This is not the first time this has ever happened. In 2017, I filed a complaint against them with XXXX XXXX XXXX. Because of this, they upped my credit score. I just dont understand how I have XXXX credit scores with the other 2 but always had XXXX or XXXX with TransUnion. 

I pay off my credit card in full every month but for some reason, TransUnion always make sure to lower my credit score every time I use my credit card. I have a credit limit of {$47000.00} per transunions explanation. I used {$4600.00} to buy something to take advantage of credit card points I get back. Because I dont like paying interest on my cards, I make sure I pay off the debts once they are due. I have proof that I always pay my debts off. I dont understand how I have XXXX credit score with the other 2 credit bureaus and yet, with TransUnion, I always get low scores. As soon as I use my card, the next day, Transunion already lowers my credit score without waiting for the billing cycle. I am not sure why they would do that. This is racial discrimination because of my last name. I do not see any other reasoning or explanation. 

I would like to file a formal complaint against TransUnion, XXXX and I am willing to show years of proof to show how this has been an ongoing issue with them and they have been racially biased.
Product: Credit reporting or other personal consumer reports

XXXX  credit reporting company name is XXXXXXXX XXXX XXXXXXXX XXXX iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years ago... The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies
Product: Debt collection

This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing.
Product: Money transfer, virtual currency, or money service

Ally Bank offer the XXXX payment service to its customers, which allows direct transfers to 3rd parties. The " limits '' stated on their website for the XXXX service indicate there is a daily transfer limit of {$5000.00} and a {$10000.00} limit in any rolling 30 days. I requested a {$5000.00} transfer to a party on XX/XX/XXXX at about XXXX XXXX PST. I had no previous transfers in the previous 30 days, so the {$10000.00} limit was not triggered. I tried on XXXX. XXXX  to make another transfer in the amount of {$3900.00}, but got a prompt indicating I could not do so as I had reached the " daily '' limit. I contacted Ally Bank and was told that a " day '' is 24 hours from the prior exchange. On XX/XX/XXXX, I tried again to make a transfer of {$3900.00}, and again got the " daily '' limit prompt, indicating I could not make the transfer. I contacted Ally Bank again on XX/XX/XXXX and this time was told the initial {$5000.00} transfer would not clear XXXX systems until Monday, XX/XX/XXXX, and I would not be able to make a transfer until then. This means the " limit '' language on Ally 's site is false and misleading. A " day '' is apparently defined as a week. Customers are misled and falsely believe they have the ability to make a daily transfer up to {$5000.00} with the option to make another option the following day, so long as the {$5000.00} daily limit is not reached and so long as the rolling 30 day {$10000.00} limit is not reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, XXXX and Transunion to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.
Product: Credit card or prepaid card

I have available funds on the card but when I go into a store to make a purchase it is DECLINED. I have contacted the phone number on the back of the card and it states that it has a XXXX balance. On XX/XX/2021 I had full benefits on the card and up to this date I have yet to be able to retrieve the funds or use the card without an issue of it being declined.
Product: Credit reporting or other personal consumer reports

These accounts are not mine i ran MY credit and realized your reporting inaccurate information. please help XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly XXXX XXXX XXXX XXXX  - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly XXXX XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly
Product: Debt collection

This is the second time and the XXXX XXXX XXXX went as far putting their hands in my bank account and took money out of my account without my consent. I keep receiving calls during work hours. Even though I told them to communicate over regular mail to stop calls they have ignored my requests. I need your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two reports from Equifax from today, on the same XXXX XXXX account, the report I got from XXXX that is showing payment status, as pays a agreed. Vs. the other one which I got from Equifax credit monitoring site, showing it between negative accounts and that it 's been delinquent for 120 days. Absurd!
Product: Credit reporting or other personal consumer reports

I want that these account be removed because the payment history reflects continued reporting a charge off after this account was closed.this represent an improper use of my crdito report. 

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

Complaint Against Experian for Delayed Credit File Update and Score Provision To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding the prolonged delays and lack of responsiveness by Experian in addressing an issue with my credit file, which has left me without a credit score for an extended period. This situation is causing significant distress and is jeopardizing my ability to close on a new house, critically impacting my life. 

Over the past month, I have made repeated attempts to resolve this matter with Experian. Following their instructions, I submitted the required documents multiple times through Experian Upload, including : A copy of my drivers license. 

A copy of my Social Security card. 

A copy of a current utility bill. 

Despite complying with their requests and submitting the documents through their platform on multiple occasions, Experian has failed to update my credit file or provide a credit score. I have also sent the documents via mail to ensure they received them, yet I have not received any communication or resolution from Experian. 

This delay is causing immense frustration and financial hardship, as I am unable to proceed with the closing process for my new home. This is an urgent matter, and Experians lack of action is not only unprofessional but also causing undue stress and disruption in my life. 

I request the CFPBs intervention to ensure that : Experian updates my credit file with the correct information immediately. 

Experian provides me with a credit score without further delay.

Any unnecessary alerts or fraud notifications that may be preventing the generation of my credit score are promptly removed. 

I have made every effort to cooperate with Experian and fulfill their requirements, yet their inaction continues to harm me. I trust the CFPB will take the necessary steps to hold Experian accountable and help expedite the resolution of this matter.
Product: Debt collection

I receive 5-10 phone calls daily from Credit Acceptance . It is no person, just an automated message. I have never done business with this company, nor has anyone in my household. I can not decipher whether they want to collect a debt that doesn't exist, or advertise their financing options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CAPITAL ONE CREDIT CARD I WOULD LIKE DISPUTE LATE PAYMENTS AS GOOD WILL CANT GET ANYONE ON THE PHONE
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX  Balance : {$66.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, born XXXX and I am a victim of identity theft. There are duplicate credit cards in my name that I did not authorize