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

On XX/XX/XXXX, I was hired by XXXX, Director of Employee Compliance to work at XXXX XXXX. I was told I needed a company computer and equipment to work from home until the company moved here in 3 months. I was sent a check for for XXXX. I put the check in XXXX XXXX 's account because withdraws were coming out of my account and I did n't want that to interfer with the company 's check. I put the check in Chase bank on XX/XX/XXXX and they held the check until XX/XX/XXXX. On XX/XX/XXXX, I bought equipment from XXXX XXXX for XXXX, XXXX XXXX for XXXX. On XX/XX/XXXX I bought equipment from XXXX XXXX for XXXX, and XXXX XXXX for XXXX. I check returned to Chase on this same day. I called customer service, they said they didn ' know why. I later believed it was a fraud and called Consumer Protection Services to verify. The lady said it was employee fraud and immediately put a fraud alert on the account with Chase. Chase customer service supervisors were rude and demeaning. The supervisor said the check must have " slipped by someone '' and I found out today that a business in the amount of XXXX should not have been applied to a student account. If all these measures would have been taken the check would have been denied and this would have protected XXXX XXXX 's account as a consumer at Chase. Instead they refuse to give information for me to escalate my concerns. The fraud department will put me on hold and never come back to the phone, and this bank takes no responsible in the negligent behavior displayed by this bank. Because of this I would like the amount of XXXX to be waived due to negligence on part of Chase Bank. The check should have never cleared and a business check should not have been accepted into a Student Account. If you would like anymore information I have to reference number where I filed a complaint with XXXX XXXX and the Consumer Protection Services, XXXX reference numbers receipts and communication from theses perpetrators. The address of the Chase Bank is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. My email is XXXX. Thank you in advance for helping me with this unfortunate matter. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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
Product: Credit card or prepaid card

I was enrolled in PayPal XXXX  and making use of it. All of a sudden, last night, all of my linked credit cards were no longer linked to PayPal XXXX. At first, I thought maybe this was due to system maintenance so I waited until morning. However, nothing had changed so somebody removed all of my cards linked to PayPal XXXX  without my consent. PayPal could not provide me with an explanation. They gave me case ID number XXXX. Later on, I tried asking customer service to check the status of my case and the agent told me that case ID number does not exist. How can this be? I even confirmed the number as I wrote it down. Also, I am supposed to be able to delete a XXXX and create a new one. I can not do that either. On top of that, they always call me when I am asleep at like XXXX in the morning. When I try to call them back, I can never get through or the phone line automatically hangs up on me. Nobody at PayPal seems to care enough to help me fix this problem. They just blame other departments or transfer me to another team. I am really tired of this running around in circles.
Product: Debt or credit management

XX/XX/23 I received two emails stating, Carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX  Account with XXXX XXXX XXXX XXXX XXXX Another one immediately after stating the account is closed and unable to verify unauthorized user. My payout is being withheld and I have no idea why any of this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( XXXX, Experian, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX from the family of XXXX. I am a living man, coming with clean hands to state these herein facts without any influence from any third party or agency. He who comes into equity must come with clean hands.-XXXX XXXX XXXX Im scribing this for the benefit of the beneficiary of the created trust ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Equity wiLl not suffer a wrong to be without a remedy.-Maxim of Equity ). Now knowing where I stand Im invoking such is law It is ignorance of the law when we do not know our own rights.XXXX XXXX XXXX XXXX. Not once do I recall the bank who claims are the creditor ever having consent from the XXXX to even have dealings with me. How could I know if the said arrangement was INJURIOUS to the XXXX? The companies ( XXXX TRANS UNION XXXX XXXX XXXX & XXXX XXXX XXXX ) have taken the liberty of reporting wrongs & requesting payment for something thats been discharged per the INTERNAL REVENUE SERVICE ( Equity acts in personam-Maxim of Equity ). See attachment supplied so with that being said justice has to be served XXXX follows the law.- XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with fair credit reporting act AFFIRM INC . Account number : XXXX Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.
Product: Credit card

My credit card was closed by the bank. They don't have reasonable reason. I always maintain good credit status and I always make payment on time. There is a returned payment that is caused by their XXXX autopay system. I already pay off the statement balance on time but their autopay system still charge my account.
Product: Bank account or service

Safe Deposit Box, of XXXX XXXX XXXX XXXX. 
XXXX bank account, transferred from XXXX XXXX XXXX, XXXX, CT. Wells Fargo N.A . I was query 'd by IRS, owning income XXXX, XXXX XXXX XXXX XXXX. I am the XXXX XXXX XXXX XXXX, and probate opened up an estate. I have possession and title XXXX XXXX XXXX XXXX, XXXX, CT. XXXX. XXXX. Wells Fargo N.A . filed an instrument of deed, to themselves and owe me {$330000.00}. 
No one see 's a bank. Their XXXX XXXX, is a massive failure, used by XXXX bank and many many many many other abandoned properties and businesses and seems to be " Inactive '' and they all are not worth a penny.
Product: Consumer Loan

System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

The fraudulent items in question, linked to [ account/reference numbers ], were initially reported to your agency on [ mention the date of your initial report ]. Since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : ** Complaint Against Experian for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against Experian for reporting inaccurate information on my credit report related to my XXXX XXXX XXXX  account XXXX 

**Details : ** - **Credit Reporting Agency : XXXX Experian - **Account in Question : ** XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that Experian update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding repeated inaccurate reporting on my credit file by both XXXX and Experian, concerning two separate matters : 1. XXXX XXXXXXXX Account ( Account # XXXX ) For years, I have tried to get this issue resolved. I even contacted the CEO of XXXX XXXX, but no resolution was ever provided. XXXX XXXXXXXX more than tripled the balance after closing my account without any notice, despite the fact that I always paid on time. The current reported balance is {$3500.00}. This is my fourth or fifth attempt to have the balance due on this account accurately updated. Despite numerous requests to XXXX, Experian, and XXXX XXXX for a fact check and verification of the balance, no corrective action has been taken. 

If this matter is not resolved promptly, I will have no choice but to seek arbitration. Additionally, I will escalate this to the Federal Trade Commission ( FTC ) and pursue claims under the Fair Credit Reporting Act ( FCRA ) for failure to correct these errors. 

XXXX has already removed it years ago since it was inaccurate and expect you to do the same. 

2. XXXX XXXX XXXX showing as Collection XXXX for XXXX XXXX  There is an incorrect collection account reported by XXXX XXXX XXXX for a debt allegedly owed to XXXX XXXX. I am not liable for this debt, and I have no contractual relationship with XXXX XXXX XXXX. Despite my request for the original contract and proper documentation, none has been provided, making this debt unsubstantiated. This collection should be immediately removed from my credit report as I am under no obligation to XXXX XXXX XXXX. 

In addition, I would like to highlight that due to the recent Experian data breach, millions of consumers ' sensitive information, including personal and financial data, have potentially been exposed. This incident increases the urgency of resolving my credit disputes, as I am now more vulnerable to potential identity theft and fraud. With Experian being at the center of this breach, I demand that these inaccuracies be addressed immediately. Otherwise, I will be forced to pursue arbitration and further escalate to the FTC or other relevant agencies under the FCRA. 

Please confirm receipt of this complaint and provide details on any actions taken to resolve it. 

Thank you for your attention to this matter.
Product: Credit card

Without my permission Bank of America has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, my Wells Fargo accounts ( personal and business credit card and checking accounts ) were taken over by fraudsters. I realized some weird operations were happening at my account and rushed to a wells fargo branch. XXXX tried to reach out to the fraud department and in the meantime checked my accounts. It was around XXXX, banker reached out to fraud department. We realized that in the last XXXX hour there has been cash advance from my credit card to my business account, money transfers from my personal account to business account, XXXX transfer from my personal account and finally wired out from my business account. 
XXXX ) Even though I reported to incident within XXXX hours, wells fargo was not able to stop the transactions, except for zelle transfer from my personal account. 
XXXX ) Even though a ) I had never done an online wire transfer and credit card cash advance since I opened my accounts in the last 8 years, wells fargo approved the transactions without getting my verbal approval b ) It seemed like personal zelle and wire transfers happened at the same time but wire transfer went through. Personal electronic fund frauds are protected by XXXX regulations, but business wire transactions do not have that kind of protections. 
c ) after my research, I saw that this is a common fraud ( several internal transfer and then wire out ) and it shows either very weak wells fargo security system or this fraud is an inside job. 
XXXX ) 2 days later after the incident, I realized that there has been another cash advance from my credit card even though we had closed the credit card. I spent literally XXXX hours on the phone with wells fargo bankers but no banker was able to explain this transaction. They transferred me from XXXX department to another department in circles. Some told me that it is the same first cash advance and not to worry about it, but it turned out that it is another unexplainable cash advance. 
XXXX ) From the letters I received from Wells Fargo, I see that wells fargo is just protecting themselves and they will not reimburse my loss. 
XXXX ) Even minutes are very important in reporting such frauds, however when the banker first called the wells fargo XXXX XXXX department, XXXX department asked whether we reported the case to police department. At the time I arrived the wells fargo XXXX, I did not even know that frauds had already happened. Police departments do nothing about frauds except for filing a report. 
XXXX ) On XX/XX/XXXX, I filed FTC, FBI and police reports. 
XXXX ) Upon my escalation at wells fargo, wells fargo assigned someone who is now investigating all frauds together.
Product: Checking or savings account

Every month, XXXX continues to debit my account for services that were cancelled in XXXX. This payee can not add this to the list to stop payments for some reason, and I can't block it. There is no where to contact Wells Fargo to report this charge online.
Product: Bank account or service

Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 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 OF XXXX XX/XX/XXXX
Product: Mortgage

The only borrower for a loan died - his estate ( being handled by his step-son ) is trying to sell this home through a short sale because the loan payoff exceeds the value for the home. 

The loan servicer, Ocwen, is demanding that the executor assumes the loan to proceed with a short sale. Why would someone, who is not legally liable for a delinquent loan which exceeds the value of the underlying asset, assume it? This is bad!
Product: Credit card or prepaid card

I am unable to secure my account Iam not able to check often for unauthorized charges and report them timely as all other are encoraged to do to PROTECT their accounts USAA IS NO ACCESS for my XXXX I HAVE NO PROTECTION AND NO ACCESS XXXX NEED BANK ACCESS
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX XXXX, Wells Fargo, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. Neither of the companies replied to my letter, and neither one of them complied. I have attached the letter that I mailed each company on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:1609****, XXXX XXXX Account NumberXXXX, XXXX/XXXX  Account Number:XXXX****, XXXX XXXX  Account NumberXXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with XXXX XXXX credit bureaus XXXX, Experian and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my XXXX insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.