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

XX/XX/XXXX Ref. No. : XXXX Re : Wells Fargo Bank , National Association Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound basinonathies not XXXX XXXX are resedesi ses XXXX state-chartered, FDIC-insured Baper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the die with the FDIC and forwarding a copy of your correspondence to the Consumer Financial Protection Bureau at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau XXXX Thank you for taking the time to submit your correspondence. 


Letter I got about my issues and not sure what I all got to do but I believe my identity and account are compromised and I was in XXXX  all of XXXX until XX/XX/XXXX and also in XXXX and am just now finding things wrong with accounts and documents Ive never XXXX or was aware of for accounts at Wells Fargo and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help me I think I had allot of assets taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute pointing out several inaccuracies. They responded with my credit report and failed to fix several errors/ inaccuracies. By law ( FCRA 611 ) the disputed items are supposed to be either corrected or deleted when notified of them. I also sent a 15-day method of verification dispute letter ( FCRA 611 ) which I am still waiting on.
Product: Credit card or prepaid card

On the evening of Friday XX/XX/XXXX fraudulent charges totaling {$7300.00} were made on my Apple Card issued by XXXX XXXX. This was part of a larger identity theft that impacted my XXXX card, a business XXXX XXXX card, two XXXX Bank credit cards and two XXXX Bank checking accounts plus stole all of my Apple Cash. 

All of these other accounts quickly and efficiently closed accounts, blocked fraudulent charges and were a pleasure to work with. 

Not so Apple Card. 

I contacted Apple Card customer service twice on Saturday XX/XX/XXXX. The customer service person said the XXXX XXXX XXXX department was already involved and that my account would be locked and closed. They promised someone would get back to me. 

After not hearing anything I called again on XX/XX/XXXX. I was told that a problem had occurred but this time they would mark the transactions as fraud and get back to me. 

Again there was no contact and another call was made on XX/XX/2022. The customer service person my wife and I talked to today was very helpful but we were surprised to find that apparently none of the charges were flagged as fraudulent despite having called into Apple Card support multiple times in XXXX. 

At this time I read the fine print on my statement and sent a certified letter contesting the charges as fraudulent and demanding the account be closed. I have tracking proof of delivery from US Postal Service that this letter was delivered on XX/XX/2022. 

Nothing happened. 

Also on XX/XX/2022 I mailed a separate letter with a check for {$420.00} which covered my legitimate charges for the month of XXXX. That check was promptly cashed. 

Apple Card is now trying to bill us for the {$7300.00} in fraudulent charges claiming they have no record of multiple phone calls and a certified letter. We have talked to them every day so far in XXXX with no change and every person we talk to says they see no record of us ever having called. 

In the attached statement every charge after the {$26.00} at XXXX XXXX XXXX is fraudulent and was not made by me or any other authorized user.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card

My credit bureau scores were negatively affected when Credit Kharma did numerous, unauthorized.and excessive soft and hard pulls to apply for a credit card in my name, boasting a XXXX XXXX chance I'd be approved. I'd originally authorized a number of these applications under the " XXXX XXXX '' guise but eventually realized they were fraudulently advertising. I found, after looking at my credit bureaus, that Credit Kharma had continued running my credit ( @ a rate of twice a month! ) for months on end! I have not been able to get the bureaus to remove more that a few of the inquiries, and can not reach Credit Kharma through email or fax to have them removed. I am still currently struggling to clear my credit. I have moved. Three times in three years and changed my phone # over 10 times due to spamming phone calls. I was victimized a second time as a result of this, as I missed any notifications of the lawsuit against Credit Kharma re their " XXXX XXXX '' credit card ad, and it's outcome of financial payment for victims like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


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

It has come to my knowledge that my information was compromised by a few companies that have been hacked.
Product: Debt collection

When I reached out and disputed this charge and ask them for the following information : The original contract with my signature on it, the billing statement and itemize billing history, proof that they have the right to collect this debt, and proof that are license in Washington , DC. The amount is for XXXX. I contact them on XX/XX/XXXX and on XX/XX/XXXX.
Product: Debt collection

I got repeated calls from a company that only identified themselves as " XXXX '' wanting to discuss a personal issue with me, but before they would discuss it I would have to provide personal identifying information such as a birth date. I refused on the grounds I do not give out such information to strangers on the phone and hung up. These calls persisted and they would never tell me what it was about. At some point I discovered XXXX was a debt collector and called them. I instructed them that pursuant to the Fair Debt Collection Practices Act, XXXX was to ONLY contact me by mail in writing and not to call under ANY circumstances.. They never contacted me by mail, but continued to call, contrary to my recorded instructions. On XX/XX/XXXX I again called XXXX and repeated my instructions, pursuant to the Fair Debt Collection Practices Act, to contact me by mail. I did not receive any mailings, so I called XXXX today, XX/XX/XXXX, and asked if they had mailed me anything. The answer was NO, even tho they had promised to do so on XX/XX/XXXX. 

XXXX is violating the Fair Debt Collection Practices Act by repeatedly calling me after being instructed not to do so.
Product: Student loan

Id like my disclosure and fees with my consolidation loan. I havent received it, and or can view it. I was denied the misconduct application, Im a class suit member in which my art institute federal loans were full forgiven. My original loan was an art institute private loan and I wanted to know my right of forgiveness as this loan was consolidated ( signature ) with XXXX XXXX which was purchased by Navient. I wanted to know if my private consolidation would receive an approval for the holder rule, or am I going to have to go through a lawyer to get this loan dismissed.
Product: Credit reporting or other personal consumer reports

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer Ally financial and auto nation finance have had third party companies call me with threats for me to pay my debt and have given my info to other companies for collection. Ally financial and XXXX XXXX retrieved the vehicle and my debt was not corrected as it was paid in full
Product: Debt collection

This is not mine was not in bospital on XX/XX/2018. the name of collector capio .nane of hospital XXXX XXXX XXXX XXXX hospital . For XXXX this debt is not mine plz remove this..
Product: Checking or savings account

I started using another account because I was not happy with Bank of Oklahoma, and I thought I weaned all my automatic / pre authorized withdraws away from that account, but apparently I missed 2, a cell phone bill ( XXXX XXXX  ) and radio ( XXXX XXXX ). these two amounts came to less than {$70.00} usd. I was not monitoring my account because I thought I had removed everything ( both accounts were not billed for several months so I did not realize they were going to come through ). These caused me to Overdraws, but I was NOT contacted by the bank, either by mail, email or phone. I did just happen to check my account like a month later and immediately emailed and explained the situation, but the person only refunded a small amount. I received a letter ( the first ) about a week ago, telling me my account was " written off ''. and reported to credit reporting agency. I then received a call and email from XXXX XXXX, " Account resolutions specialist '' about this amount, I responded via email so there would be written record, and explained that it was unfortunate that the only contact that I receive is after my account is closed and written off. Over the less than {$70.00} OD 's from auto withdraws I was unaware of, they say I owe over {$300.00}, but are willing to " discount '' 30 something percent. They are saying ( XXXX ) that I owe almost {$200.00}, and that I have been reported to XXXX. this is not right and unfair!
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting 2 different car loan accounts ( XXXX XXXXXXXX ) & ( chrysler ) both vehicles were granted/ awarded/recieved/assumed ownership and full responsibility of said accounts to ex wife in divorce settlement back in XXXX. The frivolous and fraudulent reportings are outdated, incorrect, incomplete, unverifiable, and fraudulent. XXXX, XXXX, and XXXX are all in breach of their policy as well as the fair credit reporting act and countless of other actionable issues. I demand these fraudulent accounts be removed immediately. I have disputed these for 3 years now and each time the report comes back is just more inaccuracies. Investigation needs to take place thus had affected my ability to buy a home when I own a successful business and make over XXXX a year. There is no reason something my ex wives did 10 years ago should be affecting me now. My next action will be a class action law suit
Product: Credit card or prepaid card

I purchased items 4 wigs online with my pre-paid card - NETSPEND credit card # XXXX in XXXX, 2020. However, I did never get any of my orders from XXXX XXXX. I tried several times to contact XXXX  to report the situation. During, several times, they sent me an email of with wrong tracking number with XXXX and XXXX. After, several months, of going back and front to the post office and XXXX, I was informed that thoe tracking numbers given to me does not exist. 
Again, I started calling XXXX  to notify them about the fraudelent non-existing tracking number given to me. Also to inform XXXX  that I have not yet recieved my orders. It took me about 8 times unsuccessful phone calls to get in touch with this company. I went on their website to complete a form requesting for refund. No response, until several months went by, I finally got response from the company claiming that they have delivered all my orders to me. I tried contacting them, however was unsucessful on 3 attempts. I contacted my bank Netspend to file a claim. 
All of the above informations were explained. I was given claim # XXXX. 
After, my bank contacted XXXX, they were able to send me 2 out of the 4 wigs ordered. I called my bank Netspend notified them, that they sent me 2 wigs, rather than the 4 wigs ordered. That, I still want remaining refund {$140.00} credited to my account.

They told me that they have started claim and will ensure to get my refund of the 2 remaining wigs. I have contacted NETSPEND for about 10 times, and as of today, no response recieved from NETSPEND. I had recieved call from XXXX  informing me that refund has been made to NETSPEND. As of this day, NETSPEND had not issued my refund or made attempts to assist to get my money back.
Product: Credit card or prepaid card

I was trying to add a newly issued Chase credit card to my existing online account. I called Chase customer service to request their assistance. They made two attempts to send me a verification code via text, both of which failed. The rep then transferred me over to a member of their security team for alternative verification. He proceeded to ask me questions to which I responded correctly. He then started to ask me questions about my sister. I confirmed the name of my sister, which is straightforward enough. He then asked me for her birthday, at which point I refused and questioned the legality of him asking questions about an individual who had not given her consent during the conversation. I said I would not answer the questions. He threatened to put my account on hold. 

I then recalled that my provider XXXX occasionally blocks these kinds of text messages. I called XXXX and sure enough, they had to change some settings on my account to let the messages through. 

Upon calling Chase, I was immediately transferred to the Fraud Department because the security guy had indeed blocked my account. Because I was now able to verify with the text code, my account hold was removed. I then asked again about the legality of being asked questions about my sister and was not given a satisfactory answer. 

I do not see how it can be legal for any financial institution to ask questions about and individual not present during the conversation and therefore unable to give consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( 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: Mortgage

I was given a preapproval for a home based on my income and qualifications being advised even though there was a gap with XXXX and income and funds needed that I would be fine at time of close not to worry. I put almost $ XXXX XX/XX/XXXX non-refundable earnest on a new build to later not qualify. Im the lenders info it advised that due to the loan being fha my earnest was full refundable. However the builder refuses to refund my funds. I advised builder/lender several times throughout the process that my income had decreased substantially and I would no longer qualify. This was early in on the process. And another buyer could have been established, as the home took a year and XXXX to build and didnt sell until XX/XX/XXXX. I considered getting a co-signer. Around the time I was required to fully qualify XX/XX/XXXX again I was diagnosed with a severe medical concern and I considered to be at default.
Product: Checking or savings account

On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX. 

HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours. 

I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Funding Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Checking or savings account

I deposited a US Treasury check in the amount of {$60000.00} into my Chase checking account on XX/XX/2023. I also received 2 direct deposits from my and my husbands federal pensions on XX/XX/2023. On XX/XX/2023 my available balance in this account was {$75000.00}. I attempted to make some bill payments and all were rejected. I inquired with Chase and was told my account was " restricted ''. They would give me no further information. I went into the branch and was asked to prove that the {$60000.00} Treasury check was my money. I gave them copies of my XXXX  ( XXXX XXXX XXXX  ) statement showing that I had made a retirement distribution. They did not remove the restriction from my account and I was told me to call the following week. 
On XX/XX/2023 I received an alert from my Chase account that I was overdrawn. Chase had debited my account in the amounts of {$60000.00} and {$15000.00}. 
I received a cashiers check from Chase on XXXX in the amount of {$15000.00} along with a letter stating that the account had been closed. There was no mention of my {$60000.00}.