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

In XX/XX/year>, I received my terminated 403 ( b ) account, which was to be returned to me either in cash or transferred to other accounts, such as my retirement account. I opted for the latter and transferred the funds. However, instead of being deposited directly into my bank account, the checks were mailed to me. 
I promptly contacted Discover Bank to inquire about the appropriate course of action for this transaction. Both parties involved in the checks were listed on the documents. One check was for {$950.00} ( XXXX ) and another for {$2500.00} ( savings ). 
The retirement department informed me that these checks could only be deposited into the retirement account I had opened for transfers. This was an error, as a branch employee had deposited the {$950.00} XXXX check into my savings account, which was subsequently withdrawn and deposited into the correct account. The {$2500.00} deposit was processed correctly the first time. 
Approximately two or three checks in my account were {$950.00}, which had been moved again but returned to the original account, which was my savings. I contacted the bank, but no one could provide an explanation for the branch-level error, as this is an online bank. The fee associated with the transaction was subsequently removed, and for a month or two, I was unable to locate the missing funds or determine their origin. 
I was deeply frustrated and never received the money back from the bank. They attributed their inability to handle my funds to their own shortcomings. They repeatedly stated that there was nothing they could do once a check cleared. 
Initially, the bank had informed me that these checks could not be deposited into any checking or savings account other than retirement accounts. Therefore, the money vanished, and the only explanation they offered was that it was out of luck. 
I am still awaiting the return of my funds. I would appreciate your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and equifax are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX  removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on equifax they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately
Product: Credit reporting or other personal consumer reports

these inquiries i did not authorize, on all my cars i go to the bank and get a draft check to purchase my cars, these were fraudulent
Product: Debt collection

Was in the process of refinancing my home when my credit report was pulled and I was advised of a collection on my account from XXXX XXXX XXXX XXXX XXXX XXXX. I was told there was a balance of {$190.00} owed. InXX/XX/2016, XXXX advised me that did not receive a piece of equipment after I closed my account with them. I advised them that the equipment was turned into them by their technician when he came to my home. I explained this to the company and told them the tech scanned the equipment in and told me a receipt was not issue because the cable box was being discontinued. I did not hear anything else nor did I receive anything else until I saw this had been reported on my credit 1 week ago. I reach out to Credit Management ( CREDIT MGMT XXXX XXXX XXXX, XXXX, TX PHONE ( XXXX ) XXXX ) who now own the debt. I asked them if the balance was paid would they remove this from my credit as I was never made aware that this had occurred. I was told yes. I paid the balance so it would not hold up my refinance and was then told by Credit Management that they wouldn't delete it from my credit by would say I paid it. I think this is very deceitful. I am/was trying to do the right thing were most people wouldn't and this organization lied to fill a quota. Please help me resolve this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and it is showing incorrect information. I opened up a new account with XXXX in XX/XX/2021 and the credit reporting agency is stating that the account is deliquent for months the account was not even opened. I have never been deliquent with this account. I want this corrected and my credit score recalculated. Also this is the second time the same credit reporting agencies have done this to my credit report and should be held accountable for this trending error which effects me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX .... Balance : {$9300.00}
Product: Debt collection

Hayt Hayt & Landau sued me a few years ago for a past due debt. Totally legitimate. I owed it. They seized my bank account and received their money. The debt was settled. 2 years later they say I owe them money still. I did not receive any communication stating there was a balance due. They tried to serve papers on us XX/XX/XXXX. I called their office ( I am sure I the call was recorded ) and requested proof of the debt and an accounting of the funds received to date. I received NOTHING. Friday afternoon XX/XX/2016 I was served at the office for a garnishment for the balance due. I am the XXXX and XXXX XXXX, I must submit the paperwork for processing, but it is n't fair. They wo n't even answer emails regarding the debt! Or call me to discuss it. I had no idea they felt there was a balance due and now there is a garnishment with extra fees that I should have to pay because I would have resolved the issue sooner before there were extra charges if they had just sent a letter or called me! 
THIS IS A SCAM and someone should stop them from their illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and found accounts with XXXX XXXX XXXX  on my credit report. I do not believe the accounts are accurate but I paid them because XXXX XXXX XXXX   agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed incorrect and inaccurate information relating to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

I have disputed this with Experian, XXXX and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Product: Debt or credit management

signed up with Level 1 law firm to debt relief and nothing over the last year and or more has ever been negotiated with my creditors so I have called several times now i have stopped service with them they mentioned that I should in XXXX days from now receive a check for a portion in escrow account but Fee 's are tied up in court lawsuit
Product: Credit reporting or other personal consumer reports

Goldman Sachs is reporting a late payment on my account. This late is from XX/XX/23. 
I thought I had this account on auto pay but unfortunately was not. This late payment was an oversight. I am asking that you please make this one time good will adjustment to my credit file. I have been working on it for years and I saw a significant decrease in scores from this XXXX late payment. Please remove the late payment
Product: Credit card or prepaid card

I have a Barclays XXXX and was charged for a service that I ( we ) did not get. The date of posting was XX/XX/22 in the amount of {$60.00}. On XX/XX/22, my husband went online to XXXX XXXX XXXX XXXX ) and paid for two seat upgrades for a return flight from XXXXXXXX to XXXXXXXX XXXX  for our XX/XX/22 return flight home from XXXX. Each seat upgrade was for {$30.00} and with the exchange rate, the transaction amount posted was {$60.00}. 
When we arrived at the XXXX XXXX, we did not get our upgraded seats as shown on our online receipt from XXXX and it was a full flight so they did nothing. 
When we arrived home, I contacted XXXX on XX/XX/22 ( XXXX ) and spoke with XXXX in Customer Service. She would not initiate a refund and instructed me to go back to the agency we booked travel with. That agency in turn said it was a XXXX booking and not theirs and could not initiate a refund. 
I called Barclays Card Services on XX/XX/22 and initiated a dispute of this charge. I was told to send in all documentation supporting my claim to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX which I did. I was given provisional credit for {$60.00} while they investigated my claim. On XX/XX/22 I received a letter stating that they had reversed the provisional becasue XXXX said it was a valid fee for a BAGGAGE FEE. I called in to XXXX XXXX on XX/XX/22 and spoke with XXXX who understood that it was NOT for a baggage fee and for seat upgrades and subsequently instructed me to resubmit all the documentation again. The letter from them stated that I may reassert my claim within 10 days of receiving this letter by sending it signed and dated which I did on XX/XX/22 which was within my ten days. 
On XX/XX/22 I received a letter from Barclays that they were outside of the permitted time frames to continue this claim through the dispute process and to seek refund from XXXX. 
I was well within their stated time frames and called in XX/XX/22 and spoke with XXXX in the Disputes Department. She stated their was nothing they could do and to pursue it with XXXX also. 
Under Regulation Z, I was within my consumer rights to assert this claim and should have received a refund from Barclays which should not be contingent upon their ability to collect.
Product: Checking or savings account

I just got a telephone call from JPMorgan Chase threatening to close my checking account next Monday due to an overdraft!
Product: Credit reporting or other personal consumer reports

I am writing this complaint to COMENITYBANK/VSMC about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XX/XX/XXXX.The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you, as I was a victim of wire fraud during a real estate transaction recently, and I was unable to get information regarding my claim until an email was received today from Wells Fargo, with incorrect information and stating that I would not receive my money back. Prior to today, XX/XX/2022, every time I called I am transferred a minimum of 7 times, and everyone states that they can not help me and need to transfer me again. After an hour of this or more daily, I hang up. I also have had Wells Fargo employees telling me different things, and some who have stated that they can not find the claim. I have emailed the Board of Directors at Wells Fargo last week, and still not one of you has had the decency to contact me regarding this matter. Today, I spoke with XXXX XXXX. To follow up on the email I received and explained that I had wired the money on XX/XX/2022, and on XX/XX/2022, I reported that the title company that the money was sent to, just notified me that they didnt receive the money and report that the wire instruction email was intercepted by fraud.. XXXX stated that the records show that it was reported that I notified them on XX/XX/2022, and there was nothing else they could do to help me. That {$18000.00} was my entire savings and I am currently homeless, have no money and in a state that I recently relocated to. I have been in tears daily, explaining this over the phone or in person to Wells Fargo employees, and nobody will help me. I was initially told by your Wells Fargo that I would receive my money back in a maximum of 10 days, and that was on the day reported, XX/XX/2022. however, It has been much longer than that and I can not even receive an update. The FBI was notified after I was aware of the situation too. This is ridiculous and horrible customer service, and I need I am definitely going to remove the little bit of money I have in Wells Fargo and transfer to a better bank ; Wells Fargo has been incompetent and not following their own CODE OF ETHICS. Why would anyone want to have their money in your bank when this is what happens. Banks are supposed to protect customers and treat them with respect and as a human being and protect their money when things like this occur. I have spent so much time and energy on this issue and have not received any further information than was given to me the day that I reported the claim. This situation is extremely stressful, and Wells Fargo has just made it much worse than it needed to be and they are not assisting me with this situation. I would appreciate anything you could do to help me or guide me in the right direction, as I lost my entire savings. 

Thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wife and I hold an account with Chase Bank. We had made a payment {$940.00} to XXXX using a check from our account, which unfortunately was stolen. The thief crossed out XXXX name on the check and replaced it with their own before depositing it at another bank. 
Since we still needed XXXX XXXX, we had to issue another payment to them while simultaneously dealing with Chase Bank. Each time my wife contacted Chases claim department, they informed her that they were attempting to contact XXXX XXXX  to recover the money. However, they are now unable to assist us further as we tried hopelessly to recover our money as it was due to Chase Banks failure to authenticate and their careless authorization that allowed the other bank to fraudulently withdraw our hard-earned money.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
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: Checking or savings account

I have been a customer with Wells Fargo for over 10 years and have been using XXXX for a while with no issues. Until XX/XX/2020 I sent my sister XXXX through XXXX and I have sent it to her many times before. She waited a day and never got it I called Wells Fargo and they said it completed on their end. I had my sister give me her log ins and she never received it so when we checked the next day I tried to resend it and it worked the second time around. I called Wells Fargo to file a claim for the first one reference number XXXX and days went by only to hear back they can not put money back. Its like stuck in a cloud service of some sort and they can not retrieve it. I called XXXX and they can not help because they said I can only call Wells Fargo for this no one has the money and all I am asking is for my money back.
Product: Checking or savings account

On XXXX/XXXX/2021, I was notified by email from Capital One 360 that my bank account was being restricted due to unusual activity. The email said, " We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( XXXX ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. '' The next day on XXXX/XXXX/2021, I received another email saying I received a credit into my account, which said in the email, " This money is immediately available. '' However, this is not true as Capital One is refusing to lift the restriction from my account and is holding my funds XXXX by not allowing me to transfer my funds to an external account or use it in any way. On XXXX/XXXX/2021, I received another email about the restriction that said, " We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. We may contact you to confirm this activity. Based on the results of our review, your account ( XXXX ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. '' This is also not true as they are not allowing me to transfer to an external checking account, and according to them the external checking account that was on file was removed from my account, even though I never removed it or asked Capital One to do so. After I received the first email, I called Capital One and instead of unrestricting my account, they made a decision to close my account after the claim is finalized because they said if my account was hacked or accessed by someone else it is " too much of a risk. '' There is not a risk of it being hacked if they allowed me to access my own funds over the phone as I have already verified myself by taking a live photo of my ID, yet they refuse to do this even though they have the ability to revoke the decision about restricting and closing my account. Capital One 's refusal to let me access or transfer my funds is causing a serious hardship for me. I can not wait weeks or months for them to close my account, I need these funds as soon as possible or I may lose XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : DEPTEDXXXX Account # XXXX. 


Account Name : DEPTEDXXXX Account # XXXX. 


Account Name : DEPTEDXXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

60 days ago, I sent an investigation request to Experian. They are supposed to respond with the results within 30 days, but so far, I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. Please delete the following ASAP. Thank you. 
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: Student loan

I have been paying back a student loan for over XXXX years. I've applied for economic hardship over the years but I would like a full summary of the XXXX payment history. I don't agree with the current balance based on the original loan amount. 

Can someone please assist. I'm still paying on a student loan at the age of XXXX and can not afford to assist my current kids pay for college.