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

Hi I opened an account with Wells Fargo about two weeks ago, I had a friend who physically wired money owed, total was {$40000.00}. Wells Fargo representative reports the transaction as fraud, the money can not be fraud as I have proof of the physical wire sent by the sender. Wells Fargo representative says its a fraud transaction & the sender has requested for a recall. I have spoken with the sender and the banker who made the transfer. The funds were shown available and is still avail with wells Fargo charging me fees for the wire transaction, I was able to make purchases and transfers, wells Fargo has considered this transaction fraud, when I spoke with my legal representative he advised stating " that a fraud transaction is when the sender is unaware of the funds being sent, if the sender did change their mind. They can not state its fraud & ask for a recall, while a Wells Fargo banker named XXXX had helped her to make the wire transfer physically at the branch ". Currently Wells Fargo rep states that they reversing my funds, I need to escalate the matter, as the funds still show available in my account and I have no access to them as they state they are closing the account due to fraud, this is not fraud as I have attached the documents and have recorded calls with XXXX when she confirmed, that the money has been sent. I'm helpless at this point as I have no other account and have arrangements that need to be cancelled.
Product: Credit reporting or other personal consumer reports

today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXXXXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX  credit bureaus.
Product: Credit card or prepaid card

Costco switched from XXXX XXXX to Costco Anywhere Visa by Citibank in 2016. During the time that this occurred, I moved, I never received the new card and I never wanted the credit card. The Costco membership was charged to the credit  card without my permission. Both the charge, late fees that were incurred and the interest on those charges and late fees was on the card for months without my knowledge. 

When I found out that this occurred, I called both Citibank and XXXX to get the issue resolved. They promised me that they would refund the charge, the late fees and interest and then close the account. They also promised me that it will not negatively affect my credit score. 

They refunded the charge, the late fees and interest and failed to close the account and proceeded to re-charge me everything for a total of {$83.00}. This has caused major damage to my credit score which was at over XXXX and now is at XXXX. According to my credit report dated XXXX ; Citibank is still reporting this derogatory footnote as a charge off. I was never notified and I only found this out when I went to apply for a refinance loan for my mortgage. 

I attempted to call Citibank, but agent couldn't help me and blind transferred me to a " Specialist '' which ended up to be a voicemail box of someone who's office is closed. 

I attempted to call Costco and the automated phone system automatically transfers me back to Citibank.

Citicard Account Number Ending in XXXX ( I do not know the account number since I never received the card ). 
XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Product: Debt collection

At approximately XXXX on XXXX XXXX i received a phone call from # XXXX. They asked for my son and I explained that he was not here. they said since I was his mother they could talk to me but I had to call a different number. The second number is XXXX. The woman on the other end XXXX told me that my son was going to be served papers to go to court due to non payment of a card with a department store. I was very nervous about this since my son is XXXX and could never go to court for something like this. I was trying to figure out how to avoid this happening. The woman on the phone told me that the company was BlackRock Mitigation and so while on the phone I used my ipad to check this out and found out it was a scam. I was directed to call FTC immediately which I did and was told to go online and fill out the complaint. they wanted my bank card number and were going to take the money from my account to pay this debt. I ended the call. I then received it again and I was told be ready to go to court. It was not even for me. The call then came through again twice more.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX and XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( Bridgecrest ) These have been reported as 30 days delinquent, I was unable to make the payment due to pandemic crisis that happen, not at fault. I lost my place employment so it had begin to become extremely hard to keep up with bills
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to Experion, through XXXX XXXX, to update info on my XXXX XXXX account, which was paid in full on XX/XX/XXXX but was still reflected on my XXXX XXXX report as unpaid. 

An auto response from Experion indicated I would be contacted within 24 hours. It is now XX/XX/XXXX, XXXX PST -- three days later. To date, I have not had a response, nor has Experion 's consumer credit website been updated and continues to show an unpaid balance on my XXXX XXXX account. 

Having this inaccurate information on my account adversely effects my credit score. I am in the process of applying for a mortgage and if my information is not updated within the next 24 hours, I will seek legal remedies.
Product: Credit reporting or other personal consumer reports

Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of items do not belong to me or were opened without my permission. 

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 XXXX00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! 

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?
Product: Credit reporting or other personal consumer reports

i have not supply proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX {$0.00}.
Product: Checking or savings account

My Robinhood account has been restricted since XX/XX/XXXX. Unfortunately, after numerous attempts to get my account verified and unrestricted with Robinhood Financial, they have not only given me the classic customer service runaround, they have refused to unrestrict my account after I've verified both my identity and the legitimacy of the funds, even with the help of my bank. This has resulted in over {$7000.00} of my personal savings being held hostage by Robinhood. 

I have contacted Robinhood customer service on 4 separate occasions, however, on each occasion, I'm told the " case will be reviewed '' and that I'll receive a phone call from a member of their verification team within 2 or 3 business days, and this includes a notification on the app. I have also been asked to provide bank statements and to verify my identity, every single time. I have done so without delay, again, 4 separate times. However, on every single occasion, the case is not reviewed and I am not contacted- instead, the date on the notification is repeatedly pushed back to a new date.
Product: Credit card

In XXXX I was notified by one of my credit tracking agencies that my credit score was being adversely affected due to the closure of one of my credit cards. The card identified was my TJ Maxx Card. I received no notification from TJ Maxx. I contacted TJ Maxx and asked and they confirmed that the card had been closed. I asked why and they said because it had not been used for a certain period of time. I asked if they had tried to notify me and they said " no '' that was not their policy. I explained that I had just moved that month and was now near a TJ Maxx store. While their card can be used outside their store, I typically just used it at their stores. Prior to XXXX I lived in a small town in XXXX and there was not a nearby store. I actually still have several hundred dollars in TJ Maxx gift cards I need to use. I mentioned that my other cards all contact me about usage and allow me time to use the card to keep it active. They said that was not their policy. My card indicates that the card does not expire until XX/XX/27. 
I actually like their stores and I'm not sure why they would treat a loyal customer this way. I think it is extremely poor business. Aside from that it has affected my credit score in a negative manner with no notice or opportunity to correct the matter.
Product: Debt collection

One Main company continues to call personal phone and work phone about a debt I have no knowledge off.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am a victim of Identity Theft. I found items that is not supposed to be in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union for some reason is ignoring my requests to investigate, verify and remove an account from my credit file that does not belong to me.
Product: Credit card

BMO bank : i closed personal accounts and was informed they opened a credit card in my name. I have never received nor used this card. I attempted to close this card but have no info on it. Closing this unauthorized credit line will damage my credit.
Product: Money transfer, virtual currency, or money service

The transaction was sent from another bank ( XXXX XXXX ) to my bank ( Chase ) on XX/XX/18. 
The amount sent was {$200.00}. 
The senders bank was contacted, XXXX was contacted since that is who the money was transferred through through the senders bank and my bank was contacted as well. Both the senders bank and XXXX both said the transaction went through while my bank Chase said the transaction was suspended through senders bank and then said the transaction was suspended through XXXX.
Product: Credit reporting, credit repair services, 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. These are fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel 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 Automotive XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX, XXXX I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other TransUnion had violated my rights of Under sections 6.11. I have been ravely affected and my score is suffering as a result. This has caused that all of the inquires on my credit report increased my credit score. Those inquires were inserted to my credit report without in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.
Product: Credit reporting or other personal consumer reports

My loan matured XX/XX/2023. It took XXXX XXXX bank 6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the account listed below to be removed immediately. 
Sensible Auto Lending acct : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I have a business account at Synovus. 
On XX/XX/2023 there was an unauthorized withdrawal of {$6100.00}. The description on the transaction was : XXXX XXXX XXXX Paymnt XXXX XXXX XXXX XXXX. 
This was reported to the bank on XX/XX/2023. The bank refuses to reverse the transaction because it was not reported within 24 hours of the occurence.

I was not aware that I am required to monitor my accounts 24 hours a day.
Product: Debt collection

I was with XXXX for a couple months and my experience was not good. I decided to switch to another carrier. About 2 months later, after XXXX deleted my account because all debts were paid, XXXX took {$280.00} as a debt collection. About a month after that, XXXX did the same thing by taking money out of my account with the same cause. I didnt have the money at the time so it was returned. Since then, I have been passed off to about 12-13 different debt collectors requesting I pay. After XXXX took the money out of my account multiple times, I was forced to close the account and no longer have record of the last payment but I have a confirmation code XXXX gave me. I went all of XXXX without any debt notice or anything and now the start of XXXX and all of a sudden its back.
Product: Credit card

I am writing to formally dispute the recent reporting of my Navy Federal Credit Union credit card XXXX, which has negatively impacted my credit score by XXXX points. This matter has caused me significant distress as a single, low-income parent, and I respectfully request your immediate attention to resolve this issue. 

My credit card statement closing date is the XXXX of each month. For the XX/XX/year> billing cycle, I made the minimum payment on the due date, XX/XX/year>. Additionally, I made a larger payment of {$1500.00} on XX/XX/year>. However, since XX/XX/XXXX fell on a Saturday and XX/XX/XXXX was a holiday, the {$1500.00} payment did not post until XX/XX/year>. 

During this time, Navy Federal allowed me to use my funds before the {$1500.00} payment posted. As a result, transactions between XX/XX/XXXX and XX/XX/XXXX were processed, which led to my account reflecting a balance that exceeded the {$2000.00} credit limit by {$2400.00}. This over-limit balance was reported to the credit bureaus, causing my credit score to drop by XXXX points. 

When I contacted Navy Federal for clarification, I was informed that payments are not posted on weekends or holidays. While I understand your policy, I was unaware that the payment I made on XX/XX/XXXX would not be applied promptly due to the weekend and holiday. This lack of immediate posting has had unintended and severe consequences on my financial standing. 

I kindly request the following actions : Please investigate this matter thoroughly and review the timeline of my payments and transactions. 

Consider adjusting the reported balance to reflect the {$1500.00} payment I made on XX/XX/year>, which should have been applied to my account before the statement closing date. 

Notify the credit reporting agencies of any corrections to ensure my credit score accurately reflects my payment history.

As a loyal Navy Federal member, I trust that you will address this situation fairly and expediently. I also request that you provide me with a written response detailing the outcome of your investigation.

Thank you for your attention to this matter. I look forward to resolving this issue promptly.