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

In accordance with Fair Credit Reporting Account # XXXX Dept of ED/XXXX, XXXX XXXX Dept of ED/XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of ED/XXXX, # XXXX Dept of Ed/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My accounts have been going thrugh fraud issues wells fargo decided to determine that transactions were valid when they were not as i advise so they made a reversal of credits and overdrafted my checking account on top of that before that happend y account got oney taking out again and now they want me to wait almost XXXX buissness days for a resoltion i advise them that the money is for me to pay what is left of my rent they still keepon maing me wait and always is a no i have asked to speak to managers and they say we can put a call back and no managers have reached out to me at all so they stated that if i a provided a temp credit is going into the over drawn account and am still loosing money no matter what so this bank is not helping and am not getting valued at all they have told me that the claim has been proccessed and is still open now that another lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX  {$760.00}, {$53.00}, please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request
Product: Checking or savings account

I opened a business account in XX/XX/XXXX, responding to Citi 's promotion with cash bonus. The requirement was to mainatin to a certain level for 60 days to receive cash bonus. I funded my account with {$15000.00} ( there was a limitaiton for transfer amount ) over several months, far more than 60 days. However, I have not received a cash bonus sa of today ( XX/XX/XXXX ). Cah bonus should be {$500.00} per its own terms. 

I contacted Citi multiple times. Provided W9 recently, which I beleive that I did provide this when I opened my account at a branch in XXXX. 

A banker that I am working with is XXXX XXXX XXXX Retail Business Banker Assistant Vice President XXXX XXXX XXXX XXXX XXXX ID : XXXX Email : XXXX XXXX
Product: Student loan

Ive sent multiple copies of the letter I received from Federal Student Aid to MOHELA. Once they hit noncompliance on XX/XX/year>2024 I sent over XXXX copies of the letter every day. Ive sent daily emails with no response. When they do respond it is a blanket response? To get a real response I have to hurt their feelings and its just whining that I hurt their feelings. They havent done their jobs at all and now refuse to comply. I am not paying these loans. Ive done my time in public service and I have a legal document saying I dont have to. After all their belligerence they sent me a statement telling me I owe them for my next payment when I do not. They are legal required per HR2669 to reduce my balance to {$0.00}. If they would just comply, we would never have to deal with each other again. I filed a XXXX XXXX XXXX  complaint and they ignored it too. This company is reckless and predatory.
Product: Checking or savings account

On XX/XX/2024 I receive my refund check from the IRS of the balance of {$29000.00}. I deposited my IRS XXXX XXXX XXXX  at PNC BANK location on XX/XX/2024 Those funds were available for withdrawal {$29000.00} on XX/XX/2024 those funds initially disappeared from the available withdrawal balance. On XX/XX/XXXX through XX/XX/2024, Ive been going to PNC BANK locations trying to get information on why are the funds being held and when can I expect them to be released? I have not been provided any information on funds are being released and why are they being held if they were already available for withdrawal. On XX/XX/XXXX, I had an available balance of {$290.00} not including in the {$29000.00} initially, the XXXX disappeared from my available balance for withdrawl. Ive been contacting several numbers that PNC locations gave me still. I havent received any availability dates for when those funds will be released. My next step would to be file legal actions
Product: Credit card

I was sent a text stating a fraud alert from a company charging my Card in the amount of {$96.00} on XX/XX/XXXX they informed me my card was blocked yet. The payment went through XX/XX/XXXX then I was notified that they first charged it on XX/XX/XXXX. I did a dispute and they took it off both charges, I looked at my statement today and they put it back on because they said that it was denied. I have asked him three times to cancel my card and they have not done that when they first notified me after saying they blocked it that they were gon na send me a new card which I have not gotten.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Credit card

XX/XX/2024 I requested a credit increased and was denied for the account being too new. 

Credit bureau information is missing or unavailable.

Your Capital One account is too new.

We were unable to obtain your most recent monthly payment data from the credit reporting agency.
Product: Credit card or prepaid card

I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. 

I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

am writing to formally request the XXXX of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily XXXX the account until the matter is resolved.
Product: Bank account or service

On the morning of Friday XXXX XXXX, 2016, as my morning routine I check my bank accounts that I currently have with Bank of America, which were joint accounts with my fianc. I noticed that {$1000.00} in our joint checking account was gone. The XXXX checks which I paid to our insurance bounced, and the balance was negative plus XXXX of {$35.00} returned item fee. The amount {$1000.00} went to legal order, XXXX. I then look at our joint saving account, and the amount of {$4600.00} was gone to legal order, XXXX. In addition, there was a fee of {$120.00} charged to the account. I immediately contacted Bank of America customer service at XXXX and the associate give me a telephone number which started with XXXX. I dial the number. Turned out it was Illinois XXXX. My fianc is currently paying for child support. He is compliance with the court order ; however, prior to court order, he did volunteer pay the child support. When XXXX parties agreed with the child support, each month he did pay extra to make up for the different amount between his calculation and the state calculation. So, I told my fianc the story and asked him to call the XXXX phone number that the bank gave me. He had a conversation with XXXX who work as case officer with the XXXX Accord to XXXX, the Illinois XXXX sent the document to bank to confirm if this is joint account in the XXXX of XXXX, and the bank received on XXXX XXXX. However, Bank of America did not response to their request instead Bank of America freezed my assets. After the guidance from XXXX, we called Bank of America customer service number. They gave us XXXX phone number which was legal department. The associate said they received something on the XXXX, and then she said the bank did n't received anything. We asked them to responded to request from the XXXX request. The associate said that tell them to send the document again. We then gathered three months of bank statements which proved that this is joint account and fax to XXXX. They received and put under review. However, they resent another request to the bank. Today, we called XXXX to follow up on our case, and they still have not received any response from Bank of America. We called Bank of America XXXX XXXX XXXX, XXXX was transferred my fianc back to general service line after 30 minutes of waiting. According to XXXX they just want to confirm if this is joint account and the fund should be released back to me. They mentioned that Bank of America has an history of notoriously not responded very quickly. Please keep in mind while the bank received the document, we have n't received any noticed from the State of Illinois XXXX While we were on the phone with the associate at XXXX on Friday, we requested a copy of the lien. So we can proof that we are not owed as much as they think.
Product: Credit card or prepaid card

The following Capital One Walmart MasterCard credit card account : XXXX is a fraudulent account. The account was opened fraudulently. Its not my account. I never applied for the Capital One Walmart Credit Card. Its a fraudulent account from the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 They told me they could not remove even if I filed Bankruptcy case # XXXX AZ
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Product: Credit card

- On XX/XX/2023 I received a notice from XXXX that a checking account was opened in my name with Wells Fargo. I immediately called Wells Fargo and was told not only was a checking account opened in my name but a credit card as well. They were unable to close the accounts over the phone because I couldn't provide them with the matching information on file ( mother 's maiden name, etc. ). 
- On XX/XX/2023 I went into the Wells Fargo branch in XXXXXXXX XXXX  and spoke with a banker. He helped me open a fraud case and provided me with some information about the fraudster, including his drivers license number which was later determined to be fraudulent by the XXXX Police Department. 
- On XX/XX/2023 I received a letter from Wells Fargo saying that they had concluded their investigation and that no fraud was found on the account. I called again and was transferred to their Identify Theft department where I opened a new case. 
- On XX/XX/2023 I received a call from Wells Fargo stating that the Identity Theft case had been resolved because " I went into the branch with a utility bill and proved my identity. '' Needless to say, I did no such thing. 
- On XX/XX/2023 I filed a police report with the XXXX Police Department. 
- On XX/XX/2023 I received a package from Wells Fargo outlining my denied Identity Theft case which includes a copy of the application the fraudster originally filled out. The signature on the application looks nothing like mine. 
- On XX/XX/2023 I received a copy of the police report. 
- On XX/XX/2023 I went back into the Wells Fargo branch in XXXXXXXX XXXX and spoke to the banker again. He opened a " corporate fraud '' case which he claimed would be faster and more thorough than what I had done before. 
- On XX/XX/2023 I received another packet in the mail from Wells Fargo saying this fraud case had been denied. According to the information in the packet it appears the checking account may have been closed on XX/XX/XXXX, however, the credit card remains open with a balance of {$6500.00}.
Product: Credit card

On XX/XX/XXXX, I decided to apply for an American Express XXXX XXXX XXXX credit card. Prior to applying, I did a lot of research about which card to get. I was planning on making a big purchase ( pre-paying my insurance for the year ) and so I was specifically looking for a card with 0 % XXXX for the first XXXX or XXXX  months. The American Express XXXX XXXX XXXX credit card offered not only that, but also a {$250.00} bonus after spending {$3000.00} in the first 6 months. 

I eagerly applied. When I did, I received a notification that American Express needed a bit more time to process my application, which I assumed was normal. A little while later, I received an email from American Express letting me know that my application had been approved. I received the card shortly thereafter and started spending. This past Thursday, XX/XX/XXXX, I realized that I had spent over {$3000.00} on the card but had not received the bonus. I reached out to inquire as to when I could expect the bonus and was told that there was no bonus on my account. Not only that, but I would not be receiving the 0 % APR for the first 12 months. 

I was told that, because I had received another offer on an American Express card at some point in the past, I was not eligible to receive a promotion on this card. That makes sense and seems reasonable. However, my issue is that I was never notified at any point in the processfrom the time I applied, to the time I received a confirmation email telling me I was approved, to the time I received my card in the mailthat I was not eligible for the promotion. When I reached out to American Express, I was gaslit and told that I had in fact been informed. ( As an aside, I am a CEO of my own company and I read each and every document that I come into contact with thoroughly. I am 100 % positive that I was never informed of this information. ) I asked the representative to prove it by sending me the documentation showing that I received this notification. Surely, in the year XXXX, that would be easy to pull up for an advanced, highly profitable credit card company? He refused. I asked if he could honor at least the 0 % XXXX, given that I had already spent money on that card anticipating having time to pay it off. Again, he refused. 

I believe that American Express used a deceitful practice to not inform me of my ineligibility. As I told the representative, if I had this information when I applied, I wouldve canceled my application and applied for another credit card. ( There are several out there that offer 0 % APR for the first year. )
Product: Vehicle loan or lease

-- - Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint against chase auto finance- Fraudulent Vehicle leasing Dear Sir/Madam, My name is XXXX XXXX, and I XXXX XXXX to file a formal complaint against chase auto finance regarding a fraudulent vehicle lease situation. The details are as follows : On XX/XX/XXXX, I purchased a 2021 XXXX XXXX from XXXX auto in XXXX mi the vehicle was financed through XXXX XXXX. I have since discovered that the vehicle I purchased was still under an active lease with Chase Auto Finance. 

Key issues : XXXX. The dealership sold me a vehicle that was still under an active lease with Chase Auto Finance. 
XXXX. XXXX XXXX approved financing for a vehicle that was not legally available for sale. 
XXXX. It's unclear how payments are being made to both XXXX XXXX ( by me ) and Chase Auto Finance ( by an unknown party ) for the same vehicle. 
XXXX. This situation raises serious questions about the legality of the transaction and the due diligence performed by XXXX XXXX. 

I have attempted to resolve this issue by contacting XXXX XXXX XXXX XXXX. Despite going through various channels, I have been unable to speak with anyone in a higher position about this serious and illegal situation. 

Questions that need immediate answers : XXXX. How did XXXX XXXX approve financing for a vehicle that was still under an active lease? 
XXXX. What due diligence was performed to verify the status of the vehicle before approving the loan? 
XXXX. How are payments being made to both XXXX XXXX and Chase Auto Finance for the same vehicle? 
XXXX. What steps will be taken to ensure I am not held liable for any illegal activity? 

I am seeking immediate clarification and resolution on the following points : XXXX. A full investigation into how this transaction was approved and financed. 
XXXX. XXXX contact from a senior representative, specifically XXXX XXXX, the regional XXXX, to discuss this matter. 
XXXX. A detailed plan to resolve this situation, ensuring that I am not held liable for any fraudulent activity. 
XXXX. Compensation for any damages or inconvenience caused by this situation. 

Additionally, I request that appropriate action be taken against the parties involved in this illegal transaction. 

This situation XXXX seem minor to XXXX XXXX, but as a consumer who has been fraudulently taken advantage of, it is a significant matter to me. I urge you to look into this matter immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : Account name XXXX  XXXX XXXX Account number XXXX
Product: Student loan

AMerican Education Services is s ervicing a loan that was sold to National Collegiate Trust but was manipulated before the sale.  AES has  blocked all avenues of communication. I can not call them for the status on the investigation. They have harassed me for 11 years and I call them for updates and they block my phone number. They are effecting my credit negatively daily and I now have no way to reach them. They are a scam operation with no concern about the fraud  XXXX  put on them. I have no t rust for AES and  they will never get a dime for a loan I never agreed to or signed for.