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

I filed a complaint through Wells Fargo Claims Assistance Center for unauthorized transactions in my checking account amounting to approximately {$390.00} from XXXX between XXXX and XX/XX/2022. I never used this account for XXXX shopping and I realized that there have been charges without my knowledge. 

I received communication from Wells Fargo including email and physical letter stating that they conducted investigations and they confirmed unauthorized use of my account and refunded {$220.00}. The letter indicated that transactions that occurred more than 60 days after the activity appeared in the bank statements are beyond Well Fargo 's liability and so they are not refunding such amount. 

I called the Claims Assistance Center to make an appeal on their decision. I explained that this case should not be covered under such 60-day policy because it is not my fault that their system is not able to protect customer 's bank accounts. I'm losing more than {$160.00} because Wells Fargo is not able to protect my funds and they don't want any liability for the reason that I did not report it within 60 days. 

The first agent that I spoke to on XXXX XXXX refused to take any action and did not entertain my appeal and instead, transferred me to another department, but eventually hung up on me. I called again and the second agent said the same thing and I insisted that I be given the chance to appeal whether they provide a person or email to write to or through any leadership in Wells Fargo. I indicated to them that if they refuse to take my appeal, I will file a complaint in CFPB. 

How can people trust these banks if there are policies that are unfavorable to consumers? {$160.00} is not a lot of money but for a single parent like me who work 2-3 jobs to feed my family, every dollar counts and these bank policies do not help in any way.
Product: Credit reporting or other personal consumer reports

I pulled my credit report for Experian multiple times this year, the most recent being XXXX and noticed inaccurate information. I sent my original letter in XXXX XXXX XXXX and I haven't received any response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/2023 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter most recently in XX/XX/2023 saying that the dispute was, in fact from me, and that they were trying to waste time. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to eqifax, XXXX and XXXX several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both eqifax and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, World finance, and first premier which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.
Product: Checking or savings account

My checking account was closed by my bank, because of another person withdrawing money from my account. The bank told me this was a case of fraud, and they give me a 30 day notice that they were closing my account. I had my Social security check being deposited to this account, plus other electronic withdrawals set up to pay my auto and home insurance. Due to their closing my account, I had to call Social Security to get my check sent to my home address temporarliy, and I had to call my insurance company, and get paper statements sent to my home address. Plus, they would not pay out funds on one of my checks, and they also closed my debit card. Since I am now 70 years, all of this has caused me some serious mental issues, wondering how many more problems I will have because of the bank has done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs  ago and I work hard to get my reports as accurate as possible. There is a fraud alert on my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

If the account was charged-off XX/XX/XXXX at an alleged one-hundred twenty days past-due, why is there an alleged past-due amount of XXXX dollars out of a total balance of XXXX as of XXXX XX/XX/XXXX? It would appear American Express is billing me as though monthly charges and future payments are required on my account. It would appear they are additionally supplying informatoin regarding monthly payment history for the account that is inaccurate/unverifiable because even if I were to PAY the allaged outsanding amount of XXXX, dollars, American Express has already made clear " they are no longer providing statements because the account is charged-off. '' Jackson v. Experian Information Systems LLC, No. 18-CV-271, 2019 WL 179570 ( M.D. Ga. XXXX XXXX XXXX ) ] made clear that a firm can not provide information to the CRAs that would be misleading if/when another potential creditor reviews my credit file. The advancement of payment delinquency by 30 days past-due, ie { 30, 60, 90 120, ..., N } implies that future monthly payments continue to exist for an allegedly charged-off account. It would appear to me that American Express is in violation of the portion of the FCRA applicable to persons who furnish credit information to credit reporting agencies, 15 U.S.C. 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

I reached out to the company and requested any signed contract or document that gave them permission to pull my credit or make any credit inquiries on my behalf and received no reply or response via mail or email
Product: Debt collection

First of all, I would like to say I am a victim of identity theft and I have been trying to get the police and other authorities to help me. When I checked my report on all three credit bureaus, I noticed several charges on my report. One of the charges that I notice was from XXXX XXXX XXXX ( XXXX XXXX ). I called this company to inquire about this debt because I did not open anything with this company. The representative stated that this account in XXXX and closed in XX/XX/XXXX. The debt is in the amount of {$720.00}. She also gave me the address of the individual that opened the account XXXX XXXX XXXX XXXX  XXXX XXXX. I do not live at this address, and I had to have this address removed from my XXXX report. I have been living at the same address for over 10 years and the address on XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. 

The second dispute on my credit report was from Transworld Systems INC. ( cox communication ). The representative stated this debt was opened XX/XX/XXXX, and it was closed on XX/XX/XXXX, due to non-payment. The debt owed to this company was {$850.00}. The representative also gave me the address that debt occurred. The address was XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have never lived or visited XXXX XXXX. I explained that to the company and she would list it as fraud on their end. I also notified her what city and state I lived in. It was nowhere near XXXX XXXX, XXXX. She listed it as fraud on their end, but it was not taking off of my credit report.

I also called Transworld System INCXXXX. The representative informed me that this was a debt from XXXX XXXX. The debt was in the amount of {$1100.00}. The address that this debt was opened was XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX  in my life, and I do not know of anyone in XXXX. I would love helped in bringing charges to these people because this is further damaging my credit report and causing me a lot of XXXX, and no one seem to be trying to help me. Please help me stop these people.
Product: Credit reporting or other personal consumer reports

Thats companies have pulled my credit without my authorization and these inquires need to be removed from all three bureaus immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion authorization to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 


Warm Regards, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX/XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to SALLIE MAE XXXX and XXXX.The company is reporting inaccurate information ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

On XX/XX/XXXX & XX/XX/XXXX, I received denial of business credit with Chase, I have sent out Adverse of action letters in regards to this matter. I am still waiting on a response from the Executive team member by the name of XXXX ( XXXX ) XXXX XXXX ext. XXXX at Chase reference numbers : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had XXXX hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/17 I went to a frost ATM and tried to withdraw USD XXXX using a XXXX XXXX XXXX card. The ATM cancelled my transaction but I was debited the USD XXXX plus commission. I was never given the money and my XXXX bank started the investigation on that day. I was denied said investigation and my XXXX bank states that in fact I received the money which is not true. 
I have requested several times from Frost Bank to provide me with a copy of the recorded cancelled transaction made on that day from that ATM to which I have been told that there is nothing they can do and no copies can be given to me. 
I need Frost bank to provide me with a copy of said transaction so I can prove to my XXXX bank that in fact I did not withdraw said amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me ... XXXX XXXX  XXXX along with the credit reporting agencies are violating my rights as a consumer by furnishing information that is a result of identity theft.
Product: Credit reporting or other personal consumer reports

Remove the following addresses as they are NON-MAILABLE address : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I instruct XXXX, XXXX, and EQUIFAX to remove this non-mailable address. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. XXXX, XXXX, and EXQUIFAX are reporting INCORRECT INFORMATION. All three above-mentioned Reporting Bureas continue to violate my rights when I have written to these Reporting Bureaus on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. I have counted well over 37 inaccuracies with XXXX, 32 with XXXX, and 17 with EQUIFAX as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and anxiety to mine and my children 's livelihood. See the attached evidence.
Product: Debt collection

I wrote a letter of validation to company to validate the debt. Not enough information was sent to be to verify debt was owed such as : Why the collector thinks I owe the debt, the amount and age of the debt, and whether the collector had authority to collect the debt in my state.
Product: Mortgage

My payments were set up Bo-weekly I called and spoke to a representative that states because o was ahead in my mortgage I could stop them and start them back up in a month. I called and was told that wasnt possible and it was never offered. I stated look at my account and was told its nothing we can do. The customer representative should not lie to consumers., had I known I would not have stopped it. You cant slam people into Bimonthly or monthly! I have been lied to and dont appreciate the lack of knowledge. This does not help me
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME/NUMBER : XXXX XXXX XXXX XXXX {$31000.00} Dear TO WHOM IT MAY CONCERN, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliancy requirements.

Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result.

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the Metro 2 compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Ditech reported paying {$230.00} to Insurance ( XXXX XXXX ) on XX/XX/20 and {$230.00} on XX/XX/20 which was not received by XXXX XXXX. We have no information to confirm that these checks were credited to the insured, loan, escrow, taxes or insurance. 

Shellpoint has shown this amount as a negative balance on escrow. There was no payment for insurance or taxes from escrow. The NO escrow option was chosen on the original loan acceptance. There was not indication of this error on the original loan information. The account shows late and is threatening foreclosure. We are not paying this escrow amount because we do not owe anything and should not have to pay this. 

We have spoken to the Insurance department, the escrow department and customer service departments separately. They filed a complaint on our behalf with Shellpoint. They do not respond by mail. They do not respond to our phone inquiries and often disconnect our phone calls.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information.

For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

On XXXX XXXX I received an offer to upgrade from Gold to Platinum and receive XXXX reward points if I spent {$5000.00} within 3 billing cycles ( which I did ). I contacted AmEx to confirm this was the deal and even opened a ticket so that I had a reference in case the points were not deposited. ( Ticket XXXX ). 

XX/XX/XXXX comes and no points have been deposited. I called and asked a rep to inquire and they claimed to escalate the request because they were n't sure what happened and told me I would be called back. Never happened. 

On XXXX XXXX, I called again ( I have the rep name if needed ) only to find out the ticket was administratively closed with no commentary or follow-up. We worked for an hour to track down the bonus offer ID ( XXXX ) and the promotional ID ( XXXX ) associated with the offer and the rep confirmed she saw the original offer email on my account. She set up a new XXXX number and assured me I would be contacted shortly with a full resolution. Never happened. 

On XXXX XXXX I recontacted support only to find out that the ticket was closed again with a comment along the lines of " Closed due to Non-AmEx issue. No further research is required ''. I requested a supervisor. The rep put me on hold for 5 or so minutes while the supervisor researched my issue. She came back on and said that " Unfortunately your promotion was only for people who were applying for new cards. '' I corrected her and re-read the offer which is in the original email that it was specifically to upgrade from Gold to Platinum. She was confused and could n't understand why it was a problem in that case. She claimed to escalate it further but based on my experience thus far I have no faith that this will be handled properly or resolved to my satisfaction. 

I have been nothing but an excellent and loyal cardholder of AmEx for years and feel that I am getting the runaround in an attempt for them to avoid honoring what was a legitimate offer I immediately took advantage of. I still have the original email with the offer. I enrolled in a timely manner. I have confirmation from the original rep of the legitimacy of the offer. I have the promotion and bonus ID numbers matched to my account. Yet I continue to get the runaround. I am not asking for anything that I did not rightfully apply for or earn, I simply want AmEx to honor their marketing promotion commitment and deposit XXXX rewards points into my account.