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

On XX/XX/XXXX, our Bank of America ( BOA ) accounts were compromised through the XXXX App by a woman unknown to us. I did not see any such activity until Saturday, XX/XX/XXXX. Upon opening my account, I told my partner and then, within 30 minutes, he saw that the same woman had taken money from his account. Neither of us received a phone call from the bank to confirm if we authorized the transfers. 
Immediately, I called BOA, but since it was Saturday, there was no one to talk to regarding this issue. We were told, however, to go to the bank to let them know what had happened. The manager told us there was nothing we could do until Monday morning when we could talk to someone in the fraud division. 
After talking to someone Monday morning, we were advised to close the account and an investigation would be ongoing. After 2 weeks of waiting for an answer, we received letters explaining why we would not receive our lost money. My partner lost {$1500.00} and I lost {$2400.00}. I have documentations of the reason. Neither my partner nor I authorized this woman to transfer the money from our accounts to hers. We also did NOT give her our passcodes or online IDs. We talked and talked to several people from BOA, but to no avail. We were not then, nor are we now acquaintances of this woman. 
I contacted XXXX then ( XX/XX/XXXX ) and was told they could do nothing but write a letter to BOA about the situation. BOA refused to relinquish the funds. However, I contacted XXXX again on XX/XX/XXXX after reading and hearing about other consumers who have had problems with XXXX. Not only BOA, but other banks as well were discussed in these articles. This time, the lawyer gave me your information and encouraged us to consult you and see what could be done. I have documentations of all that I described to you and can send them to you. 
Thank you in advance for your help in this situation.
Product: Debt collection

Company is a third-party debt collector ; attempting to collect on a debt that has passed its statute of limitations.I have relayed letters to the company, to notify them of my consumer rights and in an attempt to have the blemishes removed form my credit report. Even after recieving my letter, the company continues to attempt to collect and is damaging my credit, while taking no regard for the federal and state statues that apply to my situation.
Product: Checking or savings account

I have found a dispute with Wells Fargo because from XX/XX/XXXX to XX/XX/2022 I was incarcerated, I have been a victim of fraud. Someone has opened accounts everywhere with my credentials. I keep trying to have Wells Fargo understand that I was in jail and that I was nowhere near this or that, I am responsible for it, I have a couple of claims with him one claim they found me not to be guilty and the other one they found guilty, which makes no sense, the open two accounts, one ending on XXXX and another one ending on XXXX. We should both fraudulent. 
The claim number is XXXX XXXX. 

I am attaching a copy of my police report and incarceration proof and also the letter I just got from Wells Fargo where I am being denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Insta credit auto mart in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have received despite having sufficient funding when the transaction was authorized I was charged fee due to lagged posting of changes and credit this issue aligns with the recent cfpb findings against navy federal for similar practice where transactions settle with insufficient balances despite initial available funds I believe these practices are unfair and request investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account.

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX loans are now consolidated into XXXX and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -TransUnion -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX
Product: Credit reporting or other personal consumer reports

unauthorized credit inquires.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Ive been disputing the same 19 XXXX accounts since XX/XX/XXXX for incomplete and inaccuracies which is a violation of the fcra. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ;
Product: Checking or savings account

This account is not mines it fraudulent and I want it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders.

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Product: Debt collection

Midland credit management. Inc I received a summons for court in XXXX. I called to make a settlement offer. Spoke to XXXX  in attempt make payment arrangements. XXXX XXXX identified during call as a lawyer representing Midland credit management , Inc . I offer a payment plan if was refused XXXX XXXX stated that I owed another debt and would be unable to make offer unless each debt was payed together. I had not received and notices of other debt owed. So this led to a garnishment due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX
Product: Checking or savings account

Our private checking acct was hacked and a fraudulent wire transfer was submitted through online banking to an individual we have never met/nor heard of. Chase bank refusing to return {$870.00} back into our 'new ' account until investigation is complete. They also stated 'there is no guarantee that you will get your money back. ' In addition, we went to branch manager and requested his assistance and he was unable ( due to superiors above him ) to return the $ , their instruction to him was they could not return the $ $ because our 'frozen/dead account was in a negative balance. ' The negative balance is equal to the amount that was stolen ( fraudulently wired ) plus the amount we withdrew to open a 'new account ' with new identification information to prevent further fraudulent activity. We have a copy of the document proving the date, time and what bank and customer got the . We also have a text message from Chase to my husbands cell phone with a message stating 'you will no longer receive fraud alerts at this phone # ' from XX/XX/XXXX, which appears to be when someone hacked his phone/online banking and changed the fraud alert main phone number from his cell to another phone number. The branch manager has been extremely helpful and equally frustrated because his 'people ' with Chase are missing the big picture. We are unable to pay our house payment and other bills will be delayed because of all of this. Chase could care less and basically told my husband you are 'screwed '. This is unacceptable business practice and we have a police report and the routing number of the bank that accepted the illegal wire transfer. The police report # is XXXX XXXX Police Dept. Officer XXXX # XXXX. XXXX Tx. Ph # XXXX. The checking acct # below is the new account because as far as Chase is concerned, the old one is dead ( the hacked/frozen acct. )
Product: Credit reporting or other personal consumer reports

A closed Washington Trust Bank Credit Credit. Account opened XX/XX/year>. Account charged off. {$1000.00} written off. {$130.00} past due as of XX/XX/year>. I requested them to provide account details, valid ID, and specify the needed documents ( statements, closure confirmation, transaction history ). On the credit report its says the bank never received the first payment. I contacted the bank directly with the state for unclaimed funds for the credit card account was escheated. The bank never received the first payment. I XXXX XXXX didn't open this account credit card account and was not aware of it being open until receiving credit report.
Product: Credit card or prepaid card

Am individual living at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, WA XXXX, used my identity to get approved for a Discover credit card. 

After getting approved by Discover for a credit card with a {$16000.00} limit they attempted to change the billing address to theirs, the previously mentioned XXXX  WA, address. 

My credit monitoring service notified me of the transaction and I was able to contact Discover. The credit card was canceled by Discover, who provided me the address of the XXXX that attempted to steal my identity.
Product: Checking or savings account

I was the victim of bank fraud. I had received a text from Chase bank asking me if I had made a purchase on my debit card to which I responded " no. '' They texted that an agent would call me. Minutes later, a call from " Chase Bank '' came to my phone. They asked me to confirm my address and date of birth. They told me that they were closing my account and sending me a new ATM card. 

Days later, all of my accounts, had been drained of all the money I had adding up to around {$3000.00}. I called the fraud line and they looked into it. They denied my claim telling me that it was my ATM card that had been used. When I told them it wasn't me, they told me there was nothing they could do. 

The next day, I went into my branch and after doing research, they notified me that a new card had been sent to an address that wasn't mine. They advised me to file a police report which I did to bring it back to the bank. 

I did all of this, all the time asking why they couldn't just access the bank cameras to show that it wasn't me making the withdrawls. They told me they would resubmit my claim with all of the information and the police report. Days later, I got another message that they were denying my claim and not reimubursing my money because they could not prove fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX XXXX XXXXXXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Checking or savings account

I called in on XX/XX/2020 to dispute a transaction that had posted to my account on XX/XX/XXXX. I was assured that my card was deactivated and replaced as is required by law, but I awoke to a low-balance message this morning XX/XX/XXXX, with another unauthorized transaction that had just occurred overnight. I went into my banking app and found the option to request a new card, even though the representative I spoke with on XX/XX/XXXX assured me the card would be replaced.
Product: Credit reporting or other personal consumer reports

**Consumer Name : ** XXXX, XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Transunion, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Transunion is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX {$0.00}. The following inquires are not authorized XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Transunion fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied all the necessary steps to get the credit bureaus to remove a third party reporting my bankruptcy on public account. They didnt complete a thorough investigation into reporting my bankruptcy. I contacted the bankruptcy clerk. They stayed they do not/will report to the credit bureaus. I asked the credit bureaus to correct their mistakes they doubled down and refused to remove the illegal reporting. I have last jobs Opportunities and other things based on them not correct in their mistake. I want to recruit charges for them not correct in their mistakes and other words I would like them to converse XXXX the matters at hand between myself and my wife. The third party was LEXIS-NEXIS they pull my files from pes to put it on my credit bureau report which is illegal the bankruptcy court do not and will not report anything to your credit bureau so LEXIS-NEXIS as a third-party pull the information and gave it to the credit bureau and they post it on my credit illegally I did not give any permission for them to put my information on my credit bureau. I want to FCBA to award for damage of myself and wife.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX XXXX XXXX, I received email that there was suspicious activity on my daughter 's authorized user card. At same time my daughter messaged me that credit card was declined. I called number in email and was told my card had been restricted. I asked why and was basically told that the agent didn't know but that I needed to upload copies of my driver 's license, proof of residence ( like a utility bill ) and my social security card before they could give me any information. I upload 2 of the 3 but can not find my XXXX XXXX XXXX social security card. I applied for replacement card from US Gov't but that takes XXXX weeks. I called again and escalated to manager who basically told me he doesn't know why my account is restricted and won't be able to until XXXX days after all info is uploaded. In the meantime, my daughter had a rental car with a pre-approved charge that was declined when she returned the car even though CapitalOne had already approved it ( and I have an email to prove that ). So my account waits in limbo -- can't be used and is neither open nor closed. And the most frustrating part is that they won't tell me why. AREN'T THEY REQUIRED TO TELL ME WHY WHEN THEY FREEZE MY CREDIT CARD? I googled " capital one restricted credit card account '' and apparently this is fairly common. I think they should accept alternative to social security card. I offered to upload a W-2 with my number and they said " no ''. Again, I can't help fix this problem if I don't know why and I have no idea why they need an electronic copy of my social security card. This is having serious consequences for my daughter who is going to school in XXXX and can not leave due to covid. She uses this card for her expenses and is now borrowing money from friends until I can find alternative credit card. BTW... .my credit is excellent and CapitalOne in the last month issued me a new Venture-X card with a $ XXXX credit limit, but has frozen my oldest card with them.
Product: Mortgage

I have repeatedly asked XXXX to process my ACH automatic payment transactions so they pull a month early. For example, pulling XXXX for the XXXX payment. They had been doing this for years, yet when I updated the extra principal payment to {$27.00} to round up the total monthly payment to {$2200.00} the entire ACH process has turned into a disaster, including for a separate property they have serviced ( chronicled in CFPB complaint XXXX ). However, my portal still shows that an ACH will not pull until XXXX for my XXXX payment ( screenshot attached ).
Product: Credit card or prepaid card

Closes this credit card because I didn't want any charges being posted to it. 
I closed card because I didn't want any charges being posted to it. 
On XX/XX/2021 a card was declined because card was closed On XX/XX/XXXX again charges were declined because card was closed. 
On XX/XX/XXXX XXXX XXXX charges were declined because card was closed On XX/XX/XXXX XXXX charges were decline because card was closed. 
On XX/XX/XXXX a XXXX charge was posted to CLOSED account Call Capital One but they refused to remove charge and I cant afford a XXXX charge
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. i contacted the credit bureaus to dispute these hard inquiries and requested removal. unfortunately the credit bureaus refused to remove them off my repport this issue is causing undue stress and is negatively affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX