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

On XX/XX/2018 I had a ending balance of XXXX. On XX/XX/2018 US Bank charged me 4 fees of {$36.00}. I contacted them and advised them per there policy if my account is under {$5.00} overdrawn no fees should be charged. They then told me they charge for every transaction leading up to the overdraft. The funds were there so how are you charging me for funds that were in the account. All except the last transaction which overdrew the account for XXXX. This is a incorrect business practice I also bank with XXXX who would never do anything remotely like this. They refused to assist remove the fees or anything and I have the call recorded just stating that I could refuse overdraft coverage. It was XXXX ... .so how are ya 'll charging me 4 times for XXXX negative. The fees should be removed.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: Student loan

XXXX XXXX XXXX sent me notice that my recertification would be due soon and that they would send me what I needed, they never did and started to charge me a monthly balance ( that I did not have ), when I was a month past due I figured out what was happening and recertified - they approved for ONE month, then sent me mail saying that I was past due for recertification - that I had just done the month before so HOW can I be past due, I completed the paperwork for a new payment amount based on the recertification that I had done - I uploaded paycheck stubs to show my current income, they then said it was incomplete so I sent a message that the paycheck stubs were attached what else did they need, now they have upped my payment again because I am past due for recertification!!! I received no answer to may mail messages. I am now over 1600 past due with a new payment that is almost 900 a month!!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not showing on credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not showing accurate information on credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Due to a technical issue at Experian, I have been unable to get into my account for almost a month. I have called every phone number I can find, have gone thru all the automated prompts and sent an email to support ( no reply ) but have been unable to contact a live agent.
Product: Credit card or prepaid card

Wells Fargo Bank NA issued a credit card to me when I did not apply for same, in XX/XX/2022. It appears to be associated with their Visa Rewards program. I've attached a copy of the transmittal. I have notified their card division that I wish to cancel the services associated.
Product: Checking or savings account

On approximately XXXX20 I discovered unauthorized charges to XXXX from my Bank of America ( BOA ) Checking account. These charges had been recurring for over a year, but while filing a fraud claim with BOA I was informed I could only request recovery of a year 's worth of charges from the date of discovery. This amounted to {$770.00}. I was also informed that the process could take up to 45 days for investigation. I checked my BOA online message center regularly until XXXX20 when I called BOA. On XXXX20 I was informed that XXXX had responded that the charges were authorized and that supporting documentation had been sent physically and electronically on XXXX20. I was also informed at this time that the fraud claim with BOA had been closed. I explained that I had never received this documentation in either format and requested the documentation be resent at this time. I was assured the electronic documentation would be available in my BOA message center no later than the morning of XXXX20. On the afternoon of XXXX20 I again called BOA because I had not received the documentation I needed to request the claim be reopened. I was then directed to go to a banking center to obtain this documentation. On XXXX20 I retrieved the documentation provided by XXXX from a BOA branch and on XXXX20 I faxed the attached letter and supporting documents to BOA requesting the claim be reopened. I also submitted an FTC Identity Theft Report on XXXX20.
Product: Credit card or prepaid card

On XX/XX/2018 the amount of {$1100.00} was paid on my behalf to a XXXX  office. The XXXX have been made twice because the first set did not fit properly the second set is a worst fit than the first. To make a long story short I have no teeth as of today and a set of XXXX  that are of no use to me. I have asked several times for the XXXX  office to refund the money to the credit card agency and they have refused.The credit card agency is siding with the XXXX  on all of the disputes that I have made with them.
Product: Credit reporting or other personal consumer reports

I wanted to remove this from my credit report. this is not belongs to me. 
Please make action on this.
Product: Debt collection

I attempted to pay credit control for my collections amount for my XXXX XXXX XXXX I attempted to pay them twice via electronic check and it was never taken out of my account. I received payment confirmations for both payments I attempted, and I was told today both came back with an insufficient funds error even though the account had more than enough. However, I spoke with my bank last night concerning payments made XX/XX/XXXX and XX/XX/XXXX and they had no record of a payment being requested. Since I bank with discover I have to pay via check but the payments aren't going through, to no fault of my bank or myself. I also attempted to communicate via email to get details in writing but I never received a response. I submitted a contact form on their website as well and no one ever got back to me.
Product: Debt collection

XXXX has almost {$1700.00} on my account but has no idea what address ( es ) it came from nor can they give me a time period due to them " switching over '' to a new system. This issue has been going on for 5+ years and no one from the company has attempted to help me with the issue and it is messing up my credit because Solomon and Solomon ( collection agency ) is constantly reporting me to the credit bureaus. I 've only had an account with them for 3 months and those 3 months was paid off 3 years ago.
Product: Credit card or prepaid card

A Chase Sapphire credit card was mailed to my home address and I destroyed it because I never applied for this. Several days later, a bill from that credit card was sent to my home address. It had a {$95.00} balance for an annual membership fee. I called this credit card company to inquire and they informed my that an application with a former name I had was applied for, using my current address and that this was applied for on XX/XX/2022. Again, I had not applied for this and informed this company of such. They told me they would close the account and send me a letter verifying this as well as reporting this to the credit reporting agencies. I received that letter on XX/XX/2022. I also applied for a fraud alert with XXXX.
Product: Credit reporting or other personal consumer reports

This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by XXXX on my credit report. Over 20 late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : XXXX has inaccurately reported over 20 late payments for my auto loan account to the credit bureaus ( Experian, XXXX, and XXXX ). These late payments are not accurate, and XXXX has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both XXXX and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), XXXX is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from XXXX to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without XXXX cooperation.
Product: Credit reporting or other personal consumer reports

Experian Continues To Add Fraud/Identity Theft Account To My Experian Credit File. Experian Continues To Not Properly Investigate XXXX XXXX. XXXX XXXX XXXX Is The Result Of Unauthorized Charges As Well. Experian Continues To Decrease My Credit Score Pursuant To This XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified dispute letter to XXXX Credit Bureau, XXXX and Experian. The letters were confirmed received on the following dates to Experian on XX/XX/2021, XXXX on XX/XX/2021, and XXXX on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct this account immediately : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the beneficiary of my late husband 's traditional XXXX  XXXX account held by U.S. Bank. I notified them on XX/XX/XXXX of his passing. All requested paperwork was mailed XX/XX/XXXX to : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX 

XXXX ( that US Bank specifically requested ) was resent via mail and fax on XX/XX/XXXX. 

Spoke with bank clerks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

I am the sole beneficiary of the account and am requesting the account closed and check mailed to me immediately.
Product: Mortgage

I was inquiring about a possible Home Equity Loan from Loan Depot and others. I have not asked for nor did I apply for any such loan. I only did the soft look up to see what was available and nothing more. I received some emails and text from Loan Depot, from an XXXX XXXX, which I told him I was only looking to see and the rates are too high so I won't go any further. I now received a letter, ( Loan # XXXX ), ( XX/XX/2024 ), from Loan Depot stating a Credit Denial, and an Adverse Action Notification. I don't know what Loan Depot is up to but this is outrageous that they did something like this and they assigned a loan number to a loan I never applied or asked for. Like, I said I never applied for any mortgage or Home Equity Loan so I was very surprised and upset when I received this letter. 
I want to make sure that Loan Depot is not running any scams or illegally running my information for a Loan I never applied for.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


8. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX XXXX , XXXX.
Product: Credit card

My account was closed by Barclays on XXXX/XXXX/16. However, I did not receive my accrued rewards which are approximately XXXX points which can be cashed out for {$200.00}. Please issue a check for these rewards as the account was closed without the opportunity for me to redeem these rewards.
Product: Checking or savings account

I contacted Chase on XX/XX/XXXX to notify them a fraudulent transaction we had previously dealt with re-appeared on my account XXXX in the amount of {$1100.00}. 

This resulted in my account going negative, I contacted Chase and the representative said the transaction could not be reversed or stopped and the payment is will be there to stay unless I sign the document they sent which I never received. 

They said to have emailed it and nothing there. I logged into Chase and went to the Message center on both the Desktop Website and the App. I attached screenshots as proof to show there's no documentation for the Claim on XX/XX/XXXX. 

Thats the reason why I called XX/XX/XXXX was to ensure they had filed the claim because I had no documentation to sign like the agent said and the fraudulent transaction already posted. 

Agent said the transaction posted and they will not offer any NSF fees for the posted transactions even though the transactions posted would've never been charged an NSF fee if Chase didn't approve the fraudulent transaction. 

Attached is evidence showing I have not received my letter even 24 hours later of filing the claim and that I am being held responsible for a transaction that I did not authorize and because of it, my account is now negative with my other transactions being posted and me being charged NSF fees when I shouldn't be charged.
Product: Debt collection

Firstly, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Debt collection

Noticed a collection reported on my XXXX XXXX account. I filed a dispute through XXXX explaining that the collection is not mine. Filing date XX/XX/year>, amount {$1300.00}. This a fraudulent charge on my credit report.
Product: Checking or savings account

Sirs and Madams : Wells Fargo is jerking us around in every possible way with exhorbitant fees and charges ( i.e., account negative, check paid, insufficient funds applied ), forced me to pay a {$31.00} fee on a Wells Fargo Cash Wise Visa card to stop an Au to pay when, in fact all that I needed to do was call a number that was given me by Wells Fargo to stop the AutoPay, which was free gratis - never advised that I could effect the same end, free gratis, telling me that I had funds available on said cash wise visa card, when, in fact, they exacted a {$35.00} insufficient funds fee applied when I received money from an ATM for said funds available, told Wells Fargo that I wanted to change my account number to forego additional charges from any and all Auto Pay instances, to find later that they carry everything to my new account, thereby making the account number change meaningless for all practical purposes -- a total waste of my time as they referred everything to the new account. Had more than {$250000.00} in their money market savings account that never earned a single red cent, which was a total wash - no moneys earned ever in the account. Wells Fargo is purposefully not fully informing account holders of consequences and matters involving their fees and charges, nor advising account holders of no money, possibly, would be earned in their money market savings account. When I deposit money into the account, they extract huge amounts, reportedly fees that I never knew, no was informed that they were applied and the money taken out. They are carrying a negative amount in my account and in lieu of insufficient funds available, they are both paying some, and applying insufficient funds. They need to be closely audited and monitored for their practices as they ARE crooked. Also, Gas Bill payment was returned when funds WERE available.
Product: Checking or savings account

To clarify, Chase never responded to my letter. I did call their Claims Dept and was verbally informed that we did not prove fraud and would need to resolve this directly with the merchant. Unfortunately, my wife and I were the victims of Fraud. Here are the facts, on XX/XX/23, my wife received an email communication from Chase Bank that our account was overdrawn. She knew that this could not be correct as we had a substantial balance and she contacted Chase Bank by phone, immediately. She was informed of the two XXXX XXXX tickets purchases, {$800.00} & {$840.00}, causing the overdraft. She immediately informed the Chase Bank Employee that she didnt purchase any airline tickets and that this must be a fraudulent purchase. She requested the purchase be nullified and the account reimbursed and closed, to prevent any future fraud. The account was closed, and she was issued a knew Debit card in the mail. The Chase Bank Employee responded that the transaction had not yet been executed and that she would cancel it. My wife ended the call thinking the situation was resolved. To our surprise, Chase Bank later debited the money from our checking account. My wife called Chase Bank, spoke to an employee explaining the above. We then recently received this letter, included approximately 1.5 weeks ago, rejecting our claim, and stating that Chase Bank Claims Division determined that we purchased and/or authorized these two airline purchases. I am including our letter emphasizing that the email and phone information provided by Chase demonstrate the Fraud as they are not my wifes email account and phone and that this is the essence of a fraud case. Chase insisted that she may have multiple email addresses and phones. In other words, the burden of proof of a " negative '' is on us. This is absurd ; we can not prove a negative and would be willing to provide affirmative testimony under perjury penalties that these are her only email acct. & phone #. Additionally, it is equally absurd for us to contact XXXX XXXX as we never made these purchases. 
However, on XX/XX/23, my wife did so any way and the XXXX XXXX employee, ID # XXXX, informed her that XXXX never issued payment for these 2 purchases as these are under dispute. Either XXXX XXXX is lying, or Chase Bank is lying, and we are stuck in the middle, each one claiming the other is responsible. To summarize, my wife, nor anyone else my family, made these 2 XXXX XXXX purchases. They were totally fraudulent purchases. My wife acted immediately to prevent these transactions, close, and protect our bank accounts and acted in good faith. Chase Bank from onset provided inaccurate information, reversed itself and put an impossible burden of proof on innocent victims. I am including all the relevant documents in my fax.