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

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
EMPLOYER : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020
Product: Checking or savings account

Wells Fargo has misleading available balances on my account which results in my account being overdrawn by {$500.00} after having an available balance of {$1800.00}. I contacted them in regards to this matter and was told that I need to get a journal to track all transactions and Im responsible for the outstanding overdraft to my account which is beyond my fault. This is my third experience having this issue with Wells Fargo because they fail to provide consumers with their correct balances after theyve made their transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified EXPERIAN that i am a victim of identity theft and they accused of being a credit repair person. My name is XXXX XXXX and i have fraudulent activity showing on my credit report
Product: Credit card

I requested balance transfer of {$1300.00} to pay off XXXX XXXX from US bank. The initial transaction had some issues so US bank told me they had canceled it and then I made another balance transfer of the amount {$1300.00}. The second time it was processed and the payment of {$1300.00} went through. Later I notice the first transaction was also posted to my account which I did not authorize and was supposed to be canceled. I called the usbank 5 times to get it canceled before it was posted and in all instances they assured me that it was canceled/stopped! Now XXXX XXXX has cashed the cheque, usbank is saying they cant reverse the transaction or credit. Ive talked to multiple people at usbank but received no solution. I just want the transaction and the fee charged with it taken off my account!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account with Credit Bureuas. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account. 
Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the fraud items in 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
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Wells Fargo Customer Service [ XXXX XXXX XXXX, XXXX NC XXXX ] Subject : Request for Removal of Account from Credit Report Settlement Agreement Dear Sir/Madam , I am writing to formally dispute the current status of my loan account with Wells Fargo XXXX XXXX Account Number : XXXX ], which was settled on [ XX/XX/XXXX ] for a lump sum amount of XXXX XXXX XXXXXXXX ]. According to our settlement agreement, I was explicitly told that upon completion of this settlement, the account would be removed from my credit report entirely. However, upon reviewing my credit report, I have noticed that the account is still being reported as a " closed '' account with a {$0.00} balance, which is negatively impacting my credit score and is not in line with the agreement made between us.

I kindly request that Wells Fargo adhere to the terms of the settlement and remove this account from all credit reporting agencies immediately. It was agreed upon that the account would be deleted from my credit file, and the current reporting is inaccurate and does not reflect the terms we agreed upon. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report reflect accurate and up-to-date information. Since this account is no longer active and has been settled, it should be removed as promised. 

Please take the following actions : Remove the loan account entirely from my credit report across all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXXProvide written confirmation that the account has been deleted from my credit file, and notify me once this action has been completed.I expect this issue to be resolved promptly and within the timeframe specified by law ( typically 30 days ). If this matter is not addressed, I will have no choice but to escalate this dispute to the relevant regulatory authorities and seek legal counsel if necessary. 

Please find attached the settlement documentation, which outlines the agreement and includes proof of the settlement amount paid in full. 

I appreciate your prompt attention to this matter and look forward to your confirmation that the account has been removed from my credit report. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

On XX/XX/XXXX i noticed several charges/withdrawals on my Synovus Checking Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a XXXX. Also a mobile check deposit of XXXX, deposited into my checking account. I notified the bank that my cell phone, 2 XXXX XXXX cards, Synovus bank card, my drivers license and military id were taking from my hotel most likely by my now ex girlfriend. She had overheard my phone conversation a few weeks earlier resetting my debit card pin with a Synovus agent and my phone apparently auto saves passwords giving her access to my banking information and the ability to deposit checks. I informed Synovus I did not give access or give her permission to use any of my stuff and i'm the only authorized user on the accounts. Also informed them I never use mobile deposit and they should be able to verify that. I filed a police report and a FTC Form and supplied it to Synovus. I received notice on XX/XX/XXXX that they are not going reverse the charges because they think they are correct. when i reached out to Synovus I was told by bank manager, XXXX XXXX, I was responsible because i gave access to my phone to my ex girlfriend and it was my responsibility to keep my wallet and phone protected in my house to were she couldn't get it. I informed him again I never gave access to her and she isn't a authorized user but once again i was told it was my fault she took my phone and wallet and they are not going help. I have requested the documentation that they are using to come to their conclusion but I keep getting hung up on or told there is nothing i can do.
Product: Credit card

My credit card was used for fraudulent online transfers in excess of {$14000.00}. I contacted Chase and they told me to report to fraud department. I mailed a letter to them on XX/XX/2016 and have had no response. I have called Chase several times and complained and have gotten no help. 
In the mean time I am not paying on this balance and Chase is reporting it as late. 
Is there anything that can be done to speed up the process of Chase fixing this fraud. 
Thank you, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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: Mortgage

I was refinancing with the same company I started my original loan was with, which is Embrace Home Loans. during my refinancing process the loan officer assured me with a signed contract that as long as my appraisal came back with at least {$100000.00} I can get up to {$13000.00} cash back and about {$3500.00} debt paid. needless to say, after paying {$500.00} for an appraisal that came back at {$110000.00} the refinance is not going through. per my current loan officer ( XXXX XXXX ), the {$5000.00} that I received for down payment assistance through XXXX has to be paid back. this was n't informed at the sign of my original loan nor did my current loan officer know this either. he said to me, " all the loans he has seen in the past those loans have been forgiven after 5 years ''. therefore, he told me to call and check on it. of course, XXXX states i owe the money. Now, there 's a {$2000.00} modification lien i did in 2014 that according to my loan officer denies me from refinancing for 3 years and 1 day ( it 's a hud modification ). I 'm not sure, I 'm in the process of getting those papers. my complaint at this time is the fact that i was told to pay {$500.00} for an appraisal without the loan officer looking though my paperwork thorough because he wanted to close early over efficiently. what i want is a refund of my {$500.00}. i was trying to refinance to get out of debt, now I 'm {$500.00} more in debt. i ca n't afford my current mortgage and all the extra bills that come with. I 'm tired and i need help! please!
Product: Checking or savings account

I took my pension buyout money from a previous employer. It was in an annuity for a few years. I opened an E*TRADE Morgan Stanley account because I wanted to learn how to invest for myself. Now you will be able to follow these documents from their date & time. These emails are internal sent from E*TRADE Morgan Stanly to your account inbox. My account was open a few days earlier, and on XX/XX/23 @ XXXX XXXX  I received an email saying my external funding account has been successfully added, which states XXXX XXXX  and last four digits of your bank account number. Everything is fine I have full access to my account, and I can come and go as I please. Email dated XX/XX/23 @ XXXX XXXX E*TRADE Morgan Stanley states that it sent deposits for verification to my XXXX account, please check back in 2-3 business days. Email dated XX/XX/23 @ XXXX XXXX I received an email saying I successfully added an external account and can now transfer money from my bank account to E*TRADE Morgan Stanley XXXX Now on XX/XX/23 @ XXXX XXXX ET I received a confirmation email saying E*TRADE Morgan Stanley has received my funds transfer request, and the transfer has now been complete {$40000.00}. Now this {$40000.00} was put into a E*TRADE Morgan Stanley Premium Savings account XXXX This document has a Welcome Customer heading. I opened two other accounts as well a Roth IRA, and an Individual Brokerage account. This {$40000.00} sat in my savings account with no problems meaning I had access, here is where things change. I took {$20000.00} out of the Premium savings account and put it in my Brokerage account. Email dated XX/XX/23 XXXX XXXX  transfer complete {$20.00} from Premium savings-XXXX to E*Trade BrokerageXXXX, now 2 hours and 4 minutes later. I received an internal email at XX/XX/23 @ XXXX XXXX  saying due to unusual activity in your account certain feature may be temporarily disabled, until they speak with me, when I called to find out the problem, they say they are having trouble verifying my documents. Now these are the same documents I used to transfer the money to them. Things like social Security number, driver license, activation letter, previous history of the money ( meaning a yearly statement from my other investment firm ). Take a selfie with your driver license, take a selfie with your social security card. These are all the things I have done repeatedly in rotation. I have not been able to make any investments they basically locked the account as soon as I opened it. I just want my money back so I can take my business elsewhere. On XX/XX/23 @ XXXX XXXX  I called and spoke to a representative named XXXX ; he asks me for another bank statement from XXXX XXXX, a XXXX Statement. I told him I already sent it a few times. He paused for a few seconds and then he hung up. This whole experience has been a nightmare.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently received a copy of my credit report from your company reporting a number of items on the report that I do not recognize, is unknown, or I believe are inaccurate. I am assuming that your company has verified the accuracy of these disputed items before you reported each one. 

I need copies of documents that you have on record that you used to verify the accuracy of these disputed accounts as I have the right to demand that you release and make public all documents recorded. I believe your source of documents used by the furnisher are unreliable and that the disputed accounts are in error. 


XXXX XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 

XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately.
Product: Credit reporting or other personal consumer reports

Per 15 USC 16c-2, I am asking to have all unapproved hard inquiries removed from my credit report, as theyre hurting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ATTENTION CUSTOMER SERVICE XXXX XXXX XXXX XXXXXXXX, TX XXXX DISPUTED CREDIT INQUIRIES THESE LENDERS HAVE ACCESSED MY EXPERIAN CREDIT FILE WITHOUT MY PERMISSION. I AM ASKING EXPERIAN TO REMOVE ALL THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 


XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXXs is an unauthorized inquiry. 


XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 


XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 


XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 


XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX This is an unauthorized inquiry.
Product: Vehicle loan or lease

I have/had an auto loan with TD Auto Finance. The payments were automatically withdrawn from my account for 59 of the 60 payments. In my last payment should have been in XXXX and I assumed that like the last 59 payments they would take it and send me the title. After about two months I wondered why I haven't seen the title. I called TD Auto Finance and was told that I had to make the final payment manually and this written in my contract five years ago. But the man was very understanding because as he put it this happens to everyone. I've had auto loans at other banks and have never had to do this. I now have to dispute the late mark on credit report. If this happens to everyone it is obviously a systematic and deceptive procedure they have put in place to gather extra interest and late fees.
Product: Credit card or prepaid card

XX/XX/23 I tried to cancel my credit card by phone. They kept transferring me to different people all asking for the same information over and over again. I only called to cancel the credit card with a zero dollar balance.
Product: Vehicle loan or lease

Back in XXXX my car was repossessed, now 18 years later they are garnishing my wages. They refuse to work with me claiming judgement is lifetime even after judgement came off my credit in XXXX. They are steady charging me interest daily according to the finance company. I did not get any notice of wage attachment or a new court hearing. This is 18 years later with 18 years of accumulated interest at 22 %. Resolve would be to delete all interest and loan due to age
Product: Credit card

My Husband obtained a Care Credit card ( Synchrony Bank ) from his XXXX. My husband passed away XX/XX/2016. I began receiving statements for payment and the account was transferred into my name without my consent. I felt obligated to pay, and did so for 9 months. My son realized what was happening and that this was not legal. I stopped paying and we contacted Synchrony Bank to resolve. I asked for proof that I was legally obligated and they could not provide any verification of my signature on a binding document, or any electronic or recorded proof- because it does not exist. I was never involved in this credit. After several more calls and requests to rectify this, and explaining to them of the numerous violations against me, they still have not responded and the collection calls and letters continue. I am XXXX years old. This practice is no different then XXXX opening credit card accounts in customers names without them knowing. 
I believe Synchrony Bank is violating many regulations including, but not limited to, the Fair Debt Collection Practices Act, Fair Credit Reporting Act, New Frank/Dodd Credit Card Act, Reg Z Truth in Lending. Each call made to Synchrony Bank has been recorded ( at least we are told so ) and anyone who would listen to our requests to have this resolved, our explanation of the laws being violated, and our request to do the right thing would agree that Synchrony Bank is ignoring all requests, and willfully continuing with this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. I have written XXXX, XXXX, and Experian demanding all incorrect accounts be removed under the Fair Reporting Act, section 609 ( a ) ( A ).
Product: Checking or savings account

Received unemployment funds and advance from SBA and Bank of America flagged my account for Fraud and immediately closed the account. These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. No funds were ever released to me. I contacted the State and SBA and they both stated that Bank of America had the funds. When I called Bank of America they said that the funds were sent back to these other institutions. So I was basically getting the run around. On today, XX/XX/XXXX I received an email from SBA to complete an application for another advance, as I completed the application I noticed that my information had populated in the application to include the previous advance amount that I never received from Bank of America.