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

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME. IT STATES I AM CO-SIGNER ON A VEHICLE AN THIS IS NT TRUE AND INNACURRATE I NEED THIS REMOVED FROM MY CREDT FILE IMMEDIATELY
Product: Bank account or service

To whom it may concern. 
I have Checking, Savings, and Mortgage accounts with Chase Bank. 
On XXXX/XXXX/15, a day prior for leaving for XXXX I called Customer Service and notify them about my travel plans. I told Customer Service that I 'll be renting a car in XXXX XXXX XXXX on XXXX/XXXX/15. I wanted to make sure my debit card will work. Customer Service representative promise to unblock my accounts for use in overseas. So I went. 
However, upon my arrival in XXXX my card did not work. I found myself in embarrassing situation, when clerk of a rental car company was swapping my Chase Card and getting " insufficient finds '' status. 
I felt like a criminal with everybody 's looking at me, like I 'm trying to cheat the company and people for their money. 
I start making collect call to US Chase bank using phone number provided on a back of my card. I have no other ways to research other phone numbers ; I was in XXXX with no internet access. 
I reported to Customer Service that my card is n't working ; funds are not getting released to Rental Company. Customer service apologized for inconvenience and released the funds from my account this second time. 
These are all happens while I stay on a phone with XXXX Chase bank, calling from overseas. 
Few days later, I received a phone bill from XXXX XXXX XXXX with {$85.00} long distance charge. I wrote Chase. They refused to credit my account. 
Let me point out that I only make XXXX phone call to fix the problem with Chase card, the XXXX problem Chase did not solve when I ask them to. They mistake cost me time and money, not to mention extremely unpleasant situation at the rental office. 
This is not the first time it happens. I 've been in a lot of situation with Chase, when I could not trust information provided to me by Customer Service, incompetence is too high, so I have to call again and again to verify information they give me from the first time. 
This time it cost me additional {$85.00}, which I beleve should be coming from Chase funds, not mine. 
I did everything in my power to avoid charges. I refuse to cover Chase mistakes.
Product: Credit card or prepaid card

This is now the second time I am trying to resolve my issue with Wells Fargo. I have been disputing a fraud case for over a month in a half which is getting me nowhere no matter how many times I call. They give me denials continually based on the facts that they believe I had the card when the charges where made or that I authorized said charges which I had not. So according to their factsI am still responsible for all the charges that were made on my credit card. Meanwhile some of these charges were cash advances to both the fraudulent checking account and savings account. Those accounts previously mentioned were closed down as fraudulent/unauthorized accounts by Wells Fargo XXXX They closed both accounts marked them as fraud and removed them from my account dashboard. So that leaves me with the question of how am I responsible for the {$550.00} ( plus interest fees ) in cash advances for money that I never recieved but rather was sent to a fraud account? On top of that I reviewed the account credit card rewards and {$370.00} in cash rewards was sent to the this fraudulent savings account for cash back rewards. If I am responsible for all these " alleged '' credit card charges and they are forcing me to pay for these charges why did I not recieve the {$370.00} in cash back rewards? Its not fair that they are charging me for charges I truly did not make nor did I allow anyone else or authorize any other charges. I am tired of trying to dispute with them because they still won't fix this issue after a month of going back and forth they still have done nothing but tell me to wait 30-45 days for a response!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I tried to make a withdrawal at the XXXX ATM in XXXX, Ar located inside the XXXX for {$100.00}. The ATM only dispensed {$20.00} and gave an error message. I immediately called the cashier over and he grabbed his boss. She informed me that the ATM was a third-party ATM and I would have to call XXXX. I reached out to XXXX  and they immediately informed me that the money was reversed over to chime due to the error. I have called Chime numerous times and am either hung up on by the reps, asked the same questions, and sent the same generic email with no update. This was not an error on my end and it has caused me to be delinquent on bills I have set up in this account. They will not release my funds or give me an update. This is not right. The money was reversed the same day and we are almost at a month. I have called over 50 times and sent various emails, reached out on XXXXXXXX XXXX, etc. Many people have reached out to me with the same issue with Chime. This could have been resolved same day with a simple call or email to verify with XXXX. I believe Chime holds these funds for 30 days to make their profits/interest accrue for the month while putting their consumers in tight situations. XXXX  '
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of The inquiry in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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.
Product: Checking or savings account

I have additional Information to provide under my complaint. Please see the attachment. I also requested Consumer Protection to get a Copy of this cancel check in my name. They refuse to give one to me. My complaint Number is XXXX. Also the the Letter that was date on XX/XX/2020 the Representative told me it was back date since XX/XX/2020. they never have no intention to speaking with me to resolve this issues. I am devasted how I am being treated in this matter. Navy Federal doesn't have no intention to investigate or speak with me. I ask this Office to retrive all documents on these Fraudlent charges.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the XXXX. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX XXXX days.
Product: Checking or savings account

I have a checking account with Wells Fargo. Carry large balances in the account. I opened a XXXX XXXX trading account to buy some XXXX. I set it up as a ACH from Wells Fargo checking account in the amount of {$5000.00}. Seven days later, XXXX XXXX sent me an email saying trade was cancelled because XXXX did not honor the ACH. I went into the XXXX branch and they said there was a hold on the account due to a suspicious ATM Card charge. I was never notified that there was a hold on the account. No email, call, nothing. The cancelled trade has cost me over {$5000.00} and i am going to go after the bank. I have been speaking with the branch manager and she has not been helpful. I have asked for proof of the attempt to contact me and have gotten nothing. This is unacceptable. Wells Fargo needs to be responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze then refreeze credit but my.equifax.com does NOT load. It is also not possible to contact the agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed a inquiry from a company by the name of XXXX. I called XXXX and they confirmed that I do n't have any information in their files from XXXX at all so they are unsure why Transunion is reporting that inquiry
Product: Debt collection

I am writing to have this removed from my credit report Under Florida Statutes, specifically Section XXXX ( related to fraudulent use of personal information ), I am entitled to challenge any incorrect or unverifiable information reported to credit agencies. Moreover, Florida law requires that creditors and reporting agencies correct any false or misleading information promptly, especially when it can not be verified.
Product: Bank account or service

I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. XXXX years after opening the account I got XXXX from XX/XX/XXXX to XX/XX/XXXX. While XXXX I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balence of {$1600.00}. Several months after returning from XXXX I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balence to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was XXXX and had all paperwork Including my military XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank
Product: Credit reporting or other personal consumer reports

Requested that inaccurate, unvalidated " late payments '' be changed to " Pays as agreed '' or " ok '' on report. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX I assert that this reporting violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681a 2 ( A ) ( i ). According to this provision, this would fall under the bold-header of EXCLUSIONS, a consumer report does not include information solely about transactions or experiences between the consumer and the person making the report. Late Payments in this case would be considered as a XXXX / XXXX. In this case, Experian. XXXX and XXXX XXXX are in violation of FCRA Law. 
The inaccuracies in reporting late payments on my account, as per 15 USC 1681a 2 ( A ) ( i ), necessitate immediate correction. Ive sent a similar letter to the credit bureau listed above and have requested for the entry to be corrected to either Pays as agreed or OK. I request your office 's assistance in investigating this matter and ensuring compliance with FCRA guidelines. 
I believe your intervention will expedite the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. I am writing to express my concerns in regard to my credit not being properly reported and updated. I am constantly filing disputes for things to be removed from my credit however no change within my old accounts that should have been updated and closed.
Product: Money transfer, virtual currency, or money service

If I would have known the the wire transfers out of XXXX XXXX would have affected severely, I was misguided and it ruined my life in everyway
Product: Checking or savings account

I got a loan disburstment into my account that i was told was ok to do it was from a ppp loan the XXXX XXXX XXXX XXXX XXXX they put the money in the account and then the bank froze the acvount and i have been going back and forth woth them for almoat 2 months no resolution i cant talk to anyone on the phone they say email only i cant talk to a manager or anyone for that part amd they wont disclose to me why this is happening and i was told to send all the documentation and i did but its been circles for almoat 2 months now
Product: Bank account or service

I had sent an ACH payment from my business account to a company, and when I did the input through my Cash Management portal from my bank, I made an error with the recipients account number. The receiver never received the funds, and I did a ACH Return report for my bank ( XXXX ), whereby they investigate and request funds to be returned to us. Capital One Bank, the recipients bank never returned the funds. The recipient has even gone into Capital One to make them aware and they say they will " look into it ''. It has been almost a month now and no response. I sent a second ACH, with proper acct number etc and the end recipient did indeed receive it. The amount of this transaction is {$3700.00}. 
Capital One is not responding and I am out this money. Since Cap One would not know where to put the money since the account number was wrong, I assume it is sitting in some holding account or whatever. This is quite simple to check out and I do not know why they do not respond. They wo n't talk to me as I am not their customer, and the recipient has gone in several times already on this. 
This is not proper nor ethical. My company is XXXX and I use XXXX and I sent the funds to XXXX who uses Capital One Bank. 
The IMPROPER acct number used was XXXX. The PROPER account number is XXXX. The first XXXX numbers were missing originally. 
I have attached print screens from my banking showing I sent both the improper and the proper payment ( which made it to the recipient ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX tried to collect a debit in the amount of {$420.00} for a credit card and have reported the collection account to XXXX, XXXX, and XXXX. XXXX XXXX volutary surrendered its license in 2015 in the state of tennesse. I attempted to disputed this company on several occasions and they continue to attempt to collect this debt and I want them off of all of my credit reports asap as they are hurting my credit profile immensely
Product: Money transfer, virtual currency, or money service

Called to inquire about sending a Western Union money transfer and explained to the agent that I needed to send money to a relative affected by XXXX XXXX in XXXX Tx. Inquiry about fees to send and he did n't mention that a Special code of " Help Texas " could have been applied!! Was told I would find out the fees once I submitted the amount of money to be sent! Very disappointed that I was n't informed since this was my first time sending a money transfer online ... 
Agent replied the only way to get my fees refunded would be to re-do the transaction which I had no more time to complete due to a medical appointment!
Product: Credit reporting or other personal consumer reports

According to the FCRA : 15 USC 1681.602a- states I have the right to privacy 15 USC 1681 604a sec # 2- states a consumer reporting agency can not furnish an account without my Witten Permission.

15 USC 1666b- a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXX. XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  {$3200.00} XXXX XXXX XXXX. No. XXXX XXXX XXXX  {$2500.00} I have contacted both of these companies and I have requested that I be provided with the Original Contracts with my signature with XXXX XXXX XXXX the Bill of Sale for these dept purchased accounts and I have requested a copy of the contract I signed with XXXX and XXXX authorizing them to place any information on my report. I have not received any of this information. I was given a web site to go to by XXXX XXXX but when I accessed the account I could get no paperwork because it stated my case was in litagation and could not be released. I also requested the Bill of Sale and it was not provided. If these companies purchased these accounts then my credit report should have read accounts Settled for Less because the amounts owed changed which are Inaccurate on my report. I can not obtain the information to clear the matter and by law these items must be report 100 % correct. I have no way to verify these accounts.
Product: Credit reporting or other personal consumer reports

My status never changed from the XXXX credit bureaus all the information they gave me. It didnt show enough info.
Product: Checking or savings account

On XX/XX/18, we wrote a check on our Wells Fargo checking account for {$4000.00}, and mailed it to a business named " XXXX XXXX '' in XXXX XXXX, FL to pay for some aluminum shutters at our home in XXXX, FL. 
After several days, XXXX XXXX advised me that they did not receive our mailed check. 
We then contacted Wells Fargo who said that the check had been paid out to a " XXXX XXXX '' ; it was endorsed and posted on XX/XX/18 into an un named XXXX Bank account. Wells Fargo was told that the check had not been made out to XXXX XXXX, and XXXX XXXX confirmed that " XXXX XXXX '' is not a signer or employee at their business. XXXX XXXX stated that they had determined that this check, along with other payments, had been stolen from their mail box in XXXX XXXX. They notified the Postal Inspector and made a report. Wells Fargo will not tell us what XXXX branch location the check was deposited at and/or the account number to assist us in a criminal investigation and reimbursement for our funds. We did file a police report of our loss at XXXX County Sheriff but they can not investigate the issue further without the location of the deposit transaction. Case # XXXX. We wish to prosecute for Fraud and Grand Theft. We also reported our stolen check to the Postal Inspector and the FDIC. 
We filed affidavits at Wells Fargo regarding the Fraud and Theft and were given a claim number. Claim ID XXXX. The bank refuses to cooperate, refund our account, or reimburse us for our loss. They advise us that they have no plan to credit our account, nor are they conducting an investigation at this time. Isn't our bank insured? Please help us. We are crime victims. 
Thanks for your assistance.
Product: Credit card

I am writing to dispute the presence of certain charge offs on my credit report. I believe that these closed account/charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX requirements. 

Specifically, I believe that the information reported by your agency regarding the closed account/charge off is inaccurate, incomplete, and misleading. As a result, my XXXX XXXX has been unfair impacted and I have suffered damages as a result. 

Under the FCRA, it is your responsibility to ensure that all information is reported to credit bureaus is accurate and up to date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 

Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 

Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 

Thank you for your prompt attention to this matter.
Product: Credit card

On XX/XX/year>, I received an email from the Prosper Credit Card Company. The email claimed that there were typographical errors in my initial Cardholder Agreement including the annual fee. The Prosper Credit Card Company is planning to increase my annual fee to {$59.00} on XX/XX/year>. The company states that I can reject the charges, but if I do so, I will lose the ability to make new transactions. This seems wrong and unfair because I never agreed to the charges and it was not made clear to me in our initial credit card agreement.
Product: Mortgage

In XXXX or XXXX we contacted our second mortgage company requesting a modification with regard to our second mortgage with USAA Federal Savings Bank, the bank advise us that we did not need to request mortgage modification in order to maintain our lower interest rate due to the SCRA. We were to obtain a modification on our first mortgage with XXXX XXXX XXXX mortgage. USAA Federal Saving Bank is telling us they are not offering any modification or refinancing regarding our secondary mortgage in order to lower higher current rate now of 8.5 %, after they told us we did not need to, and our rate would remain at 4 %.