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

I received a fraud alert text message on Thursday, XX/XX/2022 at XXXX EST for {$120.00} from Axos . The charge was made in another state ; I immediately called the customer support line at XXXX and spoke with XXXX. My card was cancelled and she asked me clarifying questions about the transaction, where my card was, and whether I had an idea of who may have done this. She said she was transferring me to the fraud department and I said I had additional questions about next steps, but she said the fraud department would handle everything else. I get to the fraud department and speak with XXXX who asks me the exact same questions XXXX asked, then XXXX said I needed to call my bank back. She clarified the fraud department only confirms if the transaction is fraud and they don't do anything else because they're a partner. She also couldn't transfer me back to Axos so I had to call the customer support line again. This time I spoke with XXXX and let him know I'm frustrated by this process because it should be simple to report this transaction, get my money back, and get a new card issued. I asked him for next steps and he said he needed to create a ticket with the dispute department because the transaction hasn't posted. He couldn't transfer me to the dispute department because there's no number for them ; he has to create a case for them to call me. He said I couldn't get a new card until the dispute department called me and then it would take XXXX business days for the new card to arrive. I asked to speak with a manager, but he said managers can't take calls ; a ticket has to be created for them to reach out to me. I could see both the dispute department ticket and manager ticket were created on XX/XX/2022 via the secure messaging system. The manager responded on XX/XX/2022, and I replied back on XX/XX/2022 for clarification, but as of today, XX/XX/2022, no response has been received. I monitored my account and the transaction posted on XXXX XX/XX/2022. The dispute department never called me, but they responded to the ticket on XXXX, XX/XX/2022, asking me for information that has already been provided to the fraud department and customer support. They also sent attachments with my personal information through email, which is not secure, when they have a secure messaging system ( their security policy at https : //www.axosbank.com/Legal/Security-Notice states " All Axos Bank XXXX XXXX encrypted and stored in our XXXX XXXX XXXX where they can only be accessed by the account holder. '' which they don't follow ) I contacted Axos customer support on Wednesday XX/XX/2022 and spoke with XXXX because now they're not following their own security policy and compromising my information in the process. I was told where to send the emails for the Axos security team to review but that it would be at least XXXX business days to receive a response. In the interim, they continue sending me emails and further compromising my information and I still have not been refunded the disputed amount.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute my credit report with experian for over a year through the mail. And experian only wants me to do it over the phone or on line and I do not want to do that. I have tried calling them and all they say is that I can do it over the phone or on line, or send in a personal written letter saying that it is me sending in the letters of dispute. When I send in a dispute all I get from experian is an email saying that they received a dispute but it doesn't look like it came from me when in fact it did. I even sent the hand written letter like they suggested and I still get the same response. I am so frustrated with them that I don't know what else to do.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfers

On XXXX XXXX, 2017 my attorney in XXXX XXXX wired me {$16000.00} USD from his account at XXXX XXXX XXXX XXXX XXXX to our XXXX account using Chase Bank as the transfer agent bank. As of today, XXXX XXXX, 2017, the funds have not arrived.
Product: Credit reporting or other personal consumer reports

Account XXXX inaccurate information reporting on this account. Date of last payment is reporting XX/XX/year> on XXXX and XX/XX/year> on XXXX. Inaccurate high balance amount reporting on all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer filing this complaint against Transunion because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Transunion has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

XXXX. Account Name : XXXX XXXX XXXX GEORGIA Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Transunion written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
Transunion has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
Product: Credit card or prepaid card

I had 3 accounts with Chase. They closed my accounts upon review for 3 reasons. 

Returned payments ( a payment was rejected because I made a payment from a savings account. I was informed previously that I could make payments from the savings account. I was provided misinformation by the company that eventually influenced the closure of my account. 

Credit limit was too high ( I was granted the credit limit by Chase originally and then months later, they decided the limit was too high and instead of lowering the limit or closing less than all of the accounts, they shut them all down. Again, I was given this limit by the company, only to have the company then say that it was too high and that they were going to remove the accounts. ) Not enough credit history ( again, granted the cards by the company only to have them remove the accounts. ) I addressed the savings account issue with Chase over the phone and confirmed that I could make the payments with a savings account. I clearly had enough credit history to acquire the cards in the first place so there is no cause to claim I didn't have enough credit history. They granted me the credit limits at first, have me the cards, and then at their will, chose that the limit they granted me was too high and this closed the account. 

Every reason that my account was closed was due to their negligence and I have received the fallout.
Product: Checking or savings account

I am writing to file a formal complaint regarding Wells Fargos handling of a {$5000.00} check. 

Background : XXXX. Check Information Date : XXXX  Amount : {$5000.00} Payee : Myself, XXXX XXXX 2. Incident Details I deposited the above-mentioned check into my Wells Fargo account XXXX Subsequently, my account was closed, and the funds were held by Wells Fargo. 
Despite repeated attempts to contact Wells Fargo, I received no clear resolution and was told that the issuing bank ( XXXX XXXX  ) must initiate a formal claim. 
Recently, XXXX XXXX  submitted the claim as instructed. However, Wells Fargo now claims the funds were transferred to the Tennessee unclaimed property website. 

Issues : 1. Both I and the check issuer ( my friend ) searched our names on the Tennessee unclaimed property website and found no record of the {$5000.00}.

2. Wells Fargo failed to provide any notification or documentation regarding the transfer of these funds to the unclaimed property system.

3. This lack of transparency and accountability has caused significant frustration and inconvenience.

My Requests : 1. Please provide detailed records regarding the transfer of the funds, including the transfer date, amount, and any reference numbers associated with the transfer.

2. If Wells Fargo is no longer responsible for these funds, I request a written statement explaining the rationale and process behind this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shouldn't have any negative reporting from BMW Financial debt is paid in full.
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/XXXX, I visited a local Bank of America branch to deposit {$16000.00} cash ( bills of {$100.00}, {$50.00} and {$20.00} ) that I receive from the sale of my car as I am relocating due to work. I bought my car at {$18000.00} and decided to sell it for far less. I counted the money and placed it safely on my bag so I could go the next morning and deposit it into my account. I am a XXXX XXXX arriving to the BoFA bank and before giving the teller the money I explained to him that it was going to be a huge amount. I passed the dollar bills while he started placing the cash into the counting machines. He then told me that if the amount exceeds XXXX I had to fill a form. I told him that I was completely fine with doing that as I am not that acquainted with federal regulations in terms of huge deposits and agreed. He then told me if in the case that I didn't have lot of time available it could be easier for him to just give me XXXX to deposit into the ATM and I didn't had to fill anything. Immediately after this he handled me a receipt for {$9500.00} and XXXX bills of {$100.00}. I left a little confused and asked him that if that was the total amount I gave him. He said " yes, that is what the machine has counted '' so I went outside and made some calls to make sure I was not going to accuse him. Just to clarify that as the naive girl that I am I could've never thought of the idea of my own bank robbing me and lying to my face. I was notified that the remaining amount of money ( {$6000.00} dollars ) was not at home and went in to speak to the branch manager. The manager straight up asked me how much money was supposed to be allocated, and given his reaction I could've easily lied any amount and that amount of money was going to be deposited into my account. He started explaining that the teller was about to do that on his own and it was a mere problem with the system. The manager then handled me a new receipt of XXXX ( which is the amount I told him given that I had XXXX in cash in my bag ) and asked me to give back the old receipt. This is all hopefully seen in the video cameras as I left and returned. I know for a fact that if I haven't returned back to the branch crying due to the situation I would've been rip off by a substantial amount of ( {$6000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. Atlantic home loans 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies
Product: Credit card

I am working with a debt management company XXXX XXXX XXXX on my credit card debt with Capital One. Capital one sued me with its third party debt collection agency XXXX Law Firm. This is harassment.
Product: Payday loan, title loan, or personal loan

The issue with this company is they do not have a main support line for clients besides a digital automated system that self-replies. I have tried to find solutions for a way to contact their support line but they have the automated prompts. The issue i ' am having is uploading my new debit card to make payments. I only want to use my debit card to make payments since that is the option i'd like, they do have a second option, to add the bank routing number which I do not want to do. If I have the option of both and only want to use they debit card option, why does this keep forcing me to use my bank routing number instead? I find this strange and in no way acceptable.
Product: Checking or savings account

On XX/XX/2023 I over charged for a monthly subscription of {$47.00}. XXXX I reached out to the company to dispute thinking surely I would get my money back. XXXX I was charged twice they tell me they have to do investigation they did..Told me they would refund my money and deleted the transaction date entirely. The have loan me money and they come get the money before the scheduled keep that money then tell me I owe them for money they already taken. Why would I borrow in the XXXX and they dont take it out on the {$22.00} they claimed they do Tjats why I went empty my account when they told me regardless the date they said they can take out. They can take it out whenever and after I reached out to complain. I alleged borrowed {$25.00} more but no record of the money being deposited only owed
Product: Credit reporting 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. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my transunion, XXXX  and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Product: Debt collection

This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm XXXX XXXX XXXX. 

Due to the fact that their client, Crown Asset Management actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during XXXX XXXX attached XXXX. 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did Crown Asset Management pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS XXXX 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.
Product: Checking or savings account

I had an unusual amount of activity of my XXXX account. I reached out to XXXX and was directed to speak with someone who was not actually a XXXX employee. This person gained access to my account, phone and computer and sent himself XXXX XXXX payments. Once I realized what he had done, I contacted XXXX  immediately and my bank, Chase Bank. I filed a claim with Chase that was denied due to the transactions matching my IP address. The transactions matched my IP address because the person had access to my devices. I did not authorize the transaction nor did I make the payments. I filed a report with the Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

I created a coinbase account on XX/XX/XXXX and submitted my personal information to get verified on the platform. I then submitted an ACH transfer of {$1000.00} from my checking account XX/XX/XXXX, which was successful and cleared. A few days later when I'm trying to use the coinbase platform, I realized that I could was not able to access my funds, and that my ability to buy, transfer, or withdraw funds have been disabled. 

I submitted a support Case # XXXX on XX/XX/XXXX and was ignored. I then created Case # XXXX on XX/XX/XXXX and was told that I am no longer eligible to be on their platform without giving me a reason ( " We're not able to provide you with any additional information at this time. " ). I was told to withdraw my funds, but they have disabled my ability to withdraw funds since all my payment methods were forcibly removed. They promised to escalate my case on XXXX for an account review and said it would take up to 14 days. I followed up numerous times and it's been 20 days since then and I still have not received a response from them. 

Coinbase took my {$1000.00} deposit, and have simply held it without reason, and is refusing to let me withdraw the funds to my verified bank account. They are essentially holding my money hostage and not responding to any inquiries. This is fraud and the company is taking no action to remediate.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX  EST I checked my Wells Fargo Checking Account and saw my federal tax refund had been deposited. I then used around {$1000.00} to pay bills from the account. I went to log in the next morning and my account was completely gone from online access. I contacted Wells Fargo immediately and was advised the account was closed. They wouldnt assist me. I then called their deposit services department and that representative was able to advise me the following : the account had charged off over night, there was a positive balance on my account of about {$1900.00} and that she could see the bill transactions I completed. She also advised because the account charged off I would have to wait 15 days before they mail me a check or I could go into the branch and have a rush reimbursement filled out by the manager. I attempted to do this and was told no manager was available until after XXXX, but the banker did attempt to help me and was told the same thing I was by deposit services. So I went back at XXXX XXXX  on the XXXX of XXXX. He never came out. Another banker helped me, calling the same department again. And they told her this time that because everything is pending nothing can be done until the next day. I left and went home. At about XXXX XXXX  Wells Fargo emails me saying they closed my account. I called back deposit services again and was advised that there were memos added for the deposits and bills and that I could go to the branch the next day once everything posted. I went to the same branch the next morning and attempted the rush reimbursement request again. The manager was there but had the banker call deposit services. This time they told the banker they cant find my refund at all and that it probably was returned to the IRS but they dont know for sure This is completely unacceptable as I already spent money from the deposit. The account had access when the money went in and I was able to use it then. I also have another account with them that the funds could have been deposited into but they didnt. This is all claimed to be due to an automatic system. This is completely unfair to me and now Im at risk of having my utilities turned off and mortgage payment missed because of their mistake and mishandling of the funds. I called the IRS to see if it was truly refunded and they wont even answer my phone call until XXXX.