23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX I went to use the outside ATM outside of Chase Bank located XXXX XXXX XXXX XXXX TX XXXX. As I put my deposit of {$1400.00} ( 14 {$100.00} and 1 {$20.00} ) the machine begin to go black, and came up with a message that stated out of order. I didn't receive any form of receipt.I went into the Branch and spoke with the Branch manager who filed a claim with the claims department XXXX and provided me a claim number. She informed me I would have the funds by the end of that business day XX/XX/XXXX. At approximately XXXX that same dayXX/XX/XXXX I contacted the claims department and spoke with a gentleman who informed me I would have the funds by the end of the day XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my acct and it was negative {$80.00} due to bills coming out of my account. AT XXXX XX/XX/XXXXI contacted the claims department to see why the money wasn't in my acct as I was informed by 2 separate individuals that it would be there by end of day of XX/XX/XXXX.  He then proceeds to tell me because of the high dollar amount it would be in there by the end of this business day of XX/XX/XXXX. Then before the call ended he stated the claim closes on XX/XX/XXXX so I asked does that mean I won't get the deposit until XX/XX/XXXX and he stated yes. So I asked well why did you just tell me I would have it by the end of the day XX/XX/XXXX. At XXXX that same day XX/XX/XXXX I went back into the original branch where the error occurred and spoke to the assistant branch manager who contacted claims department who wanted to speak with me and she stated it would take 96hours for me to get a provisional credit and there is nothing else she can do to assist me. On XX/XX/XXXX I contacted the claims department back and spoke with another individual who informed me it would take up until 10 days for me to receive the funds. So at this point my frustration has kicked in because how do you run a business where your machine malfunctions and there is nothing you can do to help your customer while you fix your issue. So I am suffering with no money for who knows when due to your error. The biggest issue is that no one in the company is on one accord. Every time I speak with someone it's a different timeframe. I have no idea what to do because clearly CHASE doesn't know what they are doing. I feel this situational has been handled both unprofessionally and very irresponsibly. So now I have to suffer without money to provide for me and my son while Chase suffers no repercussions and all they can tell me is there is nothing they can do for me. What is a provisional credit for if I have to wait 10 days until the claim is settled. At that point the investigation should be concluded. I am very upset and disappointed with how CHASE has handled the situation seeing as though them and their malfunctioning machine is at fault. I sincerely hope you can help me with this unfortunate situation and prevent anyone else from experiencing this.
Product: Mortgage

Our taxes on our primary residence got lowered so we got a lump sum check back from the county tax collector. We sent the extra money into the bank to credit our escrow account. But somehow they didn't
Product: Credit card

There is currently a credit card on my credit report from Discover Financial. I have called several times in an effort to resolve the situation to no avail. The account in question is under my ssn # and another persons name, but also has me as an authorized user. I have never had a account with discover financial and i have told them this several times and i have been a victim of identity theft and i am still currently battleing the issues from this, and every time i talk to someone at Discover they say it will be handled and it never is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXXXXXX XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

There were several transaction made through XXXX ( unauthorized by me ) very suspicious and the bank didnt catch them. Six transactions in one month I didnt see until too late. I disputed through the bank and they respectfully denied my claims. They were sent to a fake person and the bank can not tell me what device this money was transferred from. This has previously happened to me and the money was compensated because they determined it was indeed fraud. I have been hacked thru two banks and XXXX credit. And wells Fargo is the only bank whom has denied my claims. I am very unsatisfied with the outcome as I have lost XXXX $ in just a months time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXXXXXX XXXX XXXXXXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

New personal checking account was opened with Wells Fargo approx. XX/XX/2018. And before I had even received my debit card I received Retirement  Account account information that had been opened in my name by Wells Fargo without my knowledge or authorization. I contacted Wells Fargo to close the unauthorized retirement account and they told me that the retirement  account must remain open for 7 years as per IRS law even though I did not open it, as per customer care representative " XXXX ''. To this day Wells Fargo has refused to close the retirement  account even though neither me nor my employer opened the account, and representative XXXX from Executive Offices informed me, " I shouldn't be concerned since I am not being charged for this account '' and he also refused to close the account. 

In addition, due to my concerns with Wells Fargo first opening a retirement  acct without authorization and then next refusing to close said account, I attempted to close my newly opened personal checking acct. I made 5 written requests via online web portal and 2 phone requests to close my checking account. On my first phone call I spoke to a representative and he informed me that he could not close the account himself but that he completed a Customer Care Form and forwarded it to the dept who could close the account. However, after several days the account is still not closed. When I contacted by phone Wells Fargo Executive Offices on XX/XX/XXXX, customer services representative XXXX told me I could not close this account by phone since my account has been opened less than 30 days and since I only had XXXX cents they could not generate a cashiers check to me. She informed me the only way to close this account is if I went in to a Wells Fargo branch or if I wrote a letter to Exception Payments in Virginia. Again, refusing to close this account. 

So my issue is 1 ) Wells Fargo opened a retirement  account without any authorization or request either from me, or by the employer who sponsors the employee retirement account, and then 2 ) Wells Fargo refuses to close the retirement acct saying it must remain open for 7 years as per IRS law, though they could not tell me what that law is exactly. and now 3 ) Wells Fargo says they can not close my personal checking acct by phone because it has been open less than 30 days and only has XXXX cents in it. The service representative could not inform me of a minimum amount that I would need in my account to close it by phone and so they could send me a cashiers check for remaining balance. But she could tell me that he computer screen is saying that XXXX cents is too low to generate a cashiers check so that I can close the account over the phone. 

I am beyond livid with Wells Fargo and I want any and all accounts they have open in my name to be immediately closed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Affidavit to report 1 fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim. 
Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported. 
XXXX XXXX XXXX XXXX : During the payment submission process, there was a documented issue on XXXX XXXX  platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

It was around XXXX on XX/XX/XXXX while sitting down at my houses table that I decided to check my account balance at the wells Fargo app when i noticed there was a wire transaction that was just made the day before XX/XX/XXXX for the amount of {$40000.00} dollars, I got really confused i asked my husband if he made that transaction he said no I said me neither so we decided to call wells Fargo customer service to find out what happen they told us basically the transaction was made in person and there was nothing they could do over the phone that we had to file a claim in person at a branch. Next day XX/XX/XXXX we went to a branch to file a claim we stood there for about 3 hours they said they were going to make a recall on that money that day which they didn't we found out on XX/XX/XXXX when we went back to the bank they barely did the first attempt on XX/XX/XXXX which isn't right they said wait after the recall 10 days if no answer from the recipient bank they were going to transfer the case to the fraud dept It is been over 2 weeks now and all i heard from them is that they were not going to take responsibility over that money basically If I saved my money there is because i thought it was going to be ok not to find out some one in VA was going to impersonate me to still my money that easy I live in CO how can that be possible at a bank and why they do not want to respond when they allowed someone without nothing but a phone and a PIN number and obviously a fake ID to make a transaction for that amount of money in a state VA which I haven't been when they can see all the transactions are made in CO and for that much money. I went to the sheriffs dept to start a case I hope they are working on it because it is been a really hard last 2 weeks just thinking about that getting no good news from the bank that they do not want to give me back my hard earned money because I firmly believed it is 100 % they're fault for allowing someone to make such a wire transaction that easy I would like to get a lawyer but they said it is hard to fight banks and plus i have no money to afford one I really hope you guys can help me because it is really hard mentally and economically I've been mentally harmed damaged by all of this that ai really hope you guys can help me out with this and help me get some kind of psychologist help or some because by listening to the bank not wanting to give the money back is hard on me and my family even though it is 100 % they're responsibility
Product: Credit reporting or other personal consumer reports

all inquiries need to be removed from XXXX XXXX XX/XX/2023, XXXX XXXX XXXX, XXXX XX/XX/2023, Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please refer to all previous complaints the last one being Case number : XXXX with this same ongoing issue. 

Bank of America has now placed my property into foreclosure. See attached letter. The letter dated XXXX XXXX, XXXX was sent presorted regular mail and I did not receive it till Mon XXXX XXXX, XXXX beyond their " good through '' date. In my attempt to call the number on the letter I keep getting a recording stating the account manager is unavailable leave a message or call back later. I called several times only to receive the same message. No one to date has returned my call. 
My request to validate the amount in question on the first attorney letter received in XXXX XXXX was ignored and they have now added on additional attorney fees without responding to my request. This is a purposeful intent on Bank of America to continue adding fees above and beyond then demanding it be paid before they foreclosure. 
Please refer to all previous correspondence and complaints ... this is all a deliberate, intentional act on the part of Bank of America to take my property when I have made payments for the past 12 years only to become delinquent due to financial hardship and illness last year. My efforts to get current was sabotaged with their adding on unnecessary escrow when all was paid to date pushing me over the edge adding on {$220.00} to my monthly mortgage amount when I was attempting to make the regular payments. You will need to read all previous complaints for the past history on this mortgage.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Prepaid card

I am writing to file a complaint in connection with previous submissions against Bank of America. This complaint stems from a series of concerning interactions and systemic issues I have encountered with the bank, including but not limited to misinformation, discriminatory practices, and failure to properly record and address customer disputes. 

On XX/XX/XXXX, Bank of America falsely claimed that my account had been frozen by the State of Maryland Department of Labor. Upon contacting the Department, I was informed that they had not communicated with Bank of America regarding any such action against my account. 

In XX/XX/XXXX, I initiated disputes with Bank of America concerning specific transactions that required further investigation. Unfortunately, these disputes were filed incorrectly by the bank. Throughout my dealings with Bank of America, I have identified several systemic issues, including racism, misrepresentation, and a consistent failure to accurately record customer-provided information on serious matters. These issues have persisted without resolution. 

On XX/XX/XXXX, I spoke with a representative named XXXX, who acknowledged that she had provided me with incorrect information and issued an apology. This instance further underscores the need for a comprehensive review of the bank 's practices and customer service protocols. 

Moreover, Bank of America has continued to obstruct efforts and circumvent an enforcement action order issued against it on XX/XX/XXXX. In light of these issues, the State of Maryland directed me to its Ombudsman 's office for further assistance. 

On XX/XX/XXXX, I engaged with two representatives from Bank of America : XXXX from the 'check issuance ' department, and XXXX from the 'escalations ' department. My request to XXXX to file a complaint regarding the bank 's attempts to circumvent the aforementioned enforcement action was met with evasion, leading to my transfer to XXXX in the escalations department. Despite my explicit request, XXXX was unable or unwilling to confirm the filing of my complaint, offering instead to transfer me to a supervisor named XXXX within the same department. 

During a 40-minute conversation with XXXX, I detailed the issues surrounding the freeze on my account and filed four additional complaints related to security breaches by bank employees and racial discrimination. 

It is imperative that the CFPB investigate these matters thoroughly. I believe that a detailed examination will reveal the extent of the misconduct and systemic failures within Bank of America.