23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your XXXX XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX  that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX  XXXX
Product: Credit card

In XXXX multiple of my accounts where compromised threw a credentials leak. Synchrony accounts being one of the effected along with multiple other banks and lenders with differing fraud attempts. 

Synchrony Bank issued a new card at the end of XXXX and started a fraud investigation on the transactions at Amazon deciding in my favor. I then recived the new card, but noticed yet another new change on the account in the sum of XXXX for a dress purchased from Amazon. I promptly disputed this new charge back in XXXX, then a few days later un-expectedly a dress shows up on my door step. There is no orders in my amazon account for this dress, nor is it an item I would purchase. Since then I have had the card frozen since I can't trust that new unknow changes will appear on the account. 

No one has yet to offer any information as to how I got this item, who ordereded it, where it was ordered from. It's not acceptable to be mailed and billed for random stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report. I currently have 2 major issues with Equifax Consumer Services ( credit bureau ) One issue is XXXX XXXX, the second issue is XXXX XXXX XXXX  I have been disputing this XXXX XXXX account with Equifax since XX/XX/2021. Equifax keeps telling me that the account is verified. Equifax has not shown me any verification methods, all it says is " verified ''. I submitted yet another dispute XX/XX/2021, demanding Equifax to prove how they verified the account with XXXX XXXX. I called Equifax XX/XX/2021 and spoke with three different representatives, XXXX, XXXX and XXXX, I asked how do the verify accounts. They said, they only report what is reported to them. Equifax said when we dispute an item on our report, they ask the creditor to verify the account and when the creditor verify that information, they tell Equifax it is " verified '' and Equifax marks it as Verified on their end. Equifax said the do not partake in the verification process. 
Next issue is 5 collections from XXXX XXXX XXXX were reported in XX/XX/2021. The balance on these collections were {$340.00}, {$860.00}, {$1600.00}, {$1700.00}, and {$1800.00}. I disputed these collections and all 5 were removed in XX/XX/2021. In XX/XX/2021, all XXXX collections were reinserted by Equifax and all 5 collections now have a balance of {$0.00}. I logged into myequifax.com, to review all of my credit reports from Equifax, and my XX/XX/2021 credit report is missing. I called Equifax and spoke with 3 different people about this issue XX/XX/2021. I expressed to these 3 people, XXXX, XXXX and XXXX, multiple laws they were breaking and the number of violations they were in. I told them I did not validate the debt with XXXX XXXX and I did not validate the debt with XXXX XXXX XXXX  and they need to be removed until I validate them. XXXX kept ignoring my request to NOT submit another dispute, he started another dispute and asked if there was anything else I wanted to add to the dispute and he hung up on me when I asked to be transferred to another representative. All three representatives I spoke to said that there was no trace of the 5 collections being on my credit report prior to XXXX, no indication of the 5 collections ever being on my report or removed.
Product: Credit card or prepaid card

Company : Capital One Credit Card : XXXX XXXX On XX/XX/2023 - XXXX paid off the full card balance of - {$6900.00} before the due date of XX/XX/2023. 

On XX/XX/2023 - I called them and asked them to close the account as they had allowed an unauthorized charge of {$190.00} after I had reported my card lost. 

On XX/XX/2023 - They charged me a finance charge of {$100.00} I have tried every possible effort to pay off the account and do away with it, including asking them to close it, but they resist & refuse, instead they have the account in restricted mode. 

Currently, Capital One has posted that owe them a balance {$280.00} which I find untruthful and a unscrupulous.
Product: Mortgage

I had my mortgage with chemical bank which recently made the official conversion to TCF Bank. This complaint is in regards to TCF. I tried logging in online to make my payment at the end of XX/XX/2020 for my XXXX payment. I couldn't log in to anything. I tried again a few days into XXXX thinking maybe there was an issue with my conversion and it couldn't locate me. 

XX/XX/XXXX I called TCF and was waiting for just over an hour. They had a message that they were experiencing high call volume. I couldn't wait any longer on hold at work and decided to try again. 

XX/XX/XXXX my coworker stated that they bank with TCF and the account numbers never changed. They did have to reset their online banking. I tried unsuccessfully for 30 minutes to log in with my mortgage loan number, and my old checking account number. But despite my attempts, nothing worked. 

I called on XX/XX/XXXX and XXXX, both almost an hour and a half. I had to return to work. No one picked up and there's no way to leave a message either. 

I repeatedly tried to log in to my account online. I tried logging into my old way to make a payment as well. I'm currently on hold XX/XX/XXXX, and I've been on hold for over two hours with no way to leave a message and no one to respond. 

I work from XXXX XXXX  to XXXX XXXX  every day. I don't know how to get ahold of someone. I want to pay and I have the money, but there's no way to set something up. I'm afraid to mail in my check with an old account number because what if they don't apply it to the correct account? I just want to pay my bills. I can't go to a branch because I work during the hours they're open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to each of the XXXX credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for XXXX and TransUnion for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for XXXX and TransUnion for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.
Product: Debt collection

XXXX XXXX XXXX XXXX has placed a fraudulent account # XXXX with the unproven amount in collections on my credit report on XX/XX/2023. 

Without providing the requested documents in which I requested regarding the company alleged claims. 

I disputed the entire matter in writing to Absolute Resolutions Investment LLC service processor XXXX XXXX XXXX XXXX as required before XX/XX/2023 per notice received from XXXX XXXX XXXX XXXX. 

I disputed this matter in writing sent vis XXXX XXXX XXXX mail XXXX XXXX and via email to XXXX XXXX XXXX XXXX in care of Absolute Resolution Investment LLC. 

XXXX XXXX XXXX XXXX placed their account with the fraudulent amount allegedly owed in collection on my credit report on XX/XX/2023 prior to XX/XX/2023 in which their service processor XXXX XXXX XXXX XXXX notice stated to dispute the matter by XX/XX/2023. 

XXXX XXXX XXXX XXXX and Absolute Resolutions Investment LLC refuse to provide me documentation as requested, regarding this matter in which I am disputing. 

This company is using gross tactic, tricky and is threatening to sue me in court if I don't pay them. 

I also had to dispute Absolute Resolution Investment XXXX on my credit report to XXXX on XX/XX/2023 still awaiting a response. I do NOT owe this debt.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX  XXXX
Product: Checking or savings account

I had been a customer at Wells Fargo Bank ( and their prior named financial institutions ) for over thirty ( 30 ) years. I had an unblemished checking account. 

In XXXX 2016, they allowed a female caller ( I am male ) to have full access to my checking account. Wells Fargo provided statement information ; blank checks ; and changed my mailing address. They also allowed that person to open on-line services to my account. 

Wells Fargo then closed my account, but told me that they would open a new account for me, as well as cover all of the checks from the closed account. I gave them a ledger of outstanding checks. 

I filed an identity theft police report and provided Wells Fargo with a copy of said report. 

Wells Fargo then allowed the female caller to gain access to my new account. 

Wells Fargo then closed my new account and when they tried to open a second new account, they informed me that I was a high risk ( due to the ID theft ) and that they could not open a new account for me. 

Wells Fargo then refused to give me my money back. 

Wells Fargo has refused to provide me with a copy of the recorded calls from the female caller. 

Wells Fargo 's bank manager went into the public hall with me and announced in a very loud voice that he was wondering what I did criminally to have Wells Fargo close my account. 

I then received a letter from Wells Fargo that advised that they made a " business decision '' not to do business with me anymore. They also entered derogatory information about me on some eternal bank system, alerting other financial institutions that I was a " risk ''. 

Again this all stems from being a victim of id theft, all at the hand of the lax security procedures of Wells Fargo. 

Wells Fargo also " bounced '' the checks that they promised to honor.
Product: Checking or savings account

Bank is stating we came in to close the account on XX/XX/XXXX, when we have signed documentation from XX/XX/XXXX to prove we actually closed the account that day. We were told we would receive a check by mail in 12-14 business days. When we did not receive the check and called the bank we were told there was a mix up with the addresses and we should be receiving the check soon. When we still did not receive the check, I called corporate customer service and was told a completely different story. That the bank had still needed documentation that my mother was deceased which I had with me in case it was needed back on XX/XX/XXXX. This highly suspicious to me and is quite alarming that at one institution I can close an account and receive the money belonging to the estate the same day and another bank will not release the funds that do not belong to them, for a month. The bank is called Associated Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank )
Product: Debt collection

Portfolio recovery associates at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit card or prepaid card

XXXX  Customer Service, Paper bill does not clearly identify phone payment cutoff. There are 2 places on the face of the bill that mentions in small print mail in payments being cutoff time of XXXX XXXX on the due date. 

Above that in another spot there is a late warning " If we do not receive your minimum payment by the due date, in this case XX/XX/2023, a late fee of XXXX will be incurred '' With that in mind, I paid over the phone at XXXX but heard the prompt say it was late. 

2 conversations regarding the unfair practice and deceiving verbage on the bill only had them tell me that phone payment info is on the back. I expedited to a mgr. but they were not willing to budge and waive the late fee saying I already used one per XXXX months. The XXXX store has a young clientele and assuredly 90 % pay online or on their ap. so this company knows exactly what they are doing. I would like to cc this information with the letter. 

I was told I could only write to the XXXX XXXX in which I do have a letter ready for mailing.
Product: Credit reporting or other personal consumer reports

I never authorized or set up these accounts, and I believe they might be acts of fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX On time Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX IN Other Closed {$490.00} Reported XXXX XXXX, XXXX
Product: Checking or savings account

We hired a contractor to do repairs on our home after XXXX XXXX in XXXX. The contractor was terminated on XX/XX/XXXX, for breach of contract. However, sometime in late XXXX of XXXX we received insurance checks ( dated XX/XX/XXXX ), two of which included the contractor as a payee, along with others. They were issued by XXXX XXXX, from their account with JP Morgan Chase Bank, Check # XXXX for {$120000.00} and Check # XXXX for {$6700.00}. Both checks were deposited and cashed at a Chase Bank, sometime in XXXX of XXXX, by our previous XXXX, XXXX XXXX XXXX XXXX, without my legally required endorsement, Florida Statute 673.1101 ( 4 ), and a violation of Chases own policy! After contacting Chase about the banking violation, they are claiming the issuer of the check ( XXXX XXXX ) must be contacted to re-issue the checks. XXXX XXXX claims they are under no obligation to re-issue the checks and refuse to do so. Chase Bank as aided our contractor in receiving stolen insurance money, they are an accessory to insurance fraud and XXXX XXXX!!! Due to the incompetence of Chase and their unwillingness to correct THEIR error has put my family in a financial hardship!
Product: Credit card

( XXXX XXXX XXXX ) I applied for a balance transfer of {$6300.00} from American Express to XXXX XXXXXXXX XXXX for the 0 % APR for 21 months. I submitted the application on my phone. Unbeknownst to me, XXXXXXXX XXXX XXXX automatically entered a VIRTUAL NUMBER for my saved American Express  card . XXXX XXXX XXXXXXXX notified me that the transfer can take up to 6 WEEKS. Sometime in XXXX, I called XXXX XXXX XXXXXXXX, they said " It went though. Just give it some more time ''. 

The transfer was approved. I activated my XXXX XXXX  XXXX card. On XX/XX/2023, I noticed an auto-payment of {$220.00} hits my bank account. My full balance of {$6300.00} was still sitting at American Express. I call XXXX XXXX XXXXXXXX again ; we came to the realization that the money went to a number I don't recognize. They thought it could possibly be fraud. I called Amex they said, " No, that's a VIRTUAL CARD NUMBER. You can't transfer money to a virtual card number. You need to call XXXX XXXX XXXXXXXX to transfer the money to the correct account ''. I called XXXX XXXXXXXX XXXX, they say, " this happens more time than you can think. We'll reject that application and resubmit. Give it 6 WEEKS. You can track everything on the online account ''. 

On XX/XX/2023, I logged in to my XXXX XXXX XXXXXXXX online account. I can't see any activity as far as my Balance Transfer. At XXXXXXXX XXXX, I called XXXX XXXX XXXXXXXX. They only see the transfer in XXXX. They say, " I've never heard of a virtual card. You need to call Amex. They haven't sent the money back, it's there. All they have to do is transfer the money from the virtual card to the physical card. They can do that. If they are giving you the run around, have them to call us ''. At XXXX, I called Amex , " Is there a way you can transfer funds from my virtual card to physical card? ". Amex agent says, " We can't see a virtual card on our end, that is only for your eyes. It is for security purposes. You can do it online, because it is for you ''. 

I try to gain access to said virtual card, I can not find it. 

I had a conference call with an Amex agent and a XXXX  agent at XXXXXXXX XXXX. The XXXX agent said- '' I see, in XXXX, there was an appeal to receive that money back to re-apply it to the correct account. Give it 30-60 days ''. 

As a result of this botched balance transfer, I owe both XXXX XXXX XXXXXXXX {$6300.00} and American Express {$6300.00} PLUS the accumulated interests since i can not afford to make payments on two cards.
Product: Credit reporting or other personal consumer reports

I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This XXXX disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX was notified of unauthorized inquiries that were reporting on my credit report in a letter that was dated, and time stamped ( enclosed ). After 3 months these inquiries still persist. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply. Your agency is in violation, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have attached the invoice for the violations and the payment is to be remitted to the address on the invoice within 10 days along with the removal of the inquiries below 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
Product: Checking or savings account

I noticed there was a charge for {$2400.00} from my checking to a XXXX XXXX  ( Which I don't have ) on XX/XX/XXXX. 
I called and made a fraud claim, which they rejected ( XX/XX/XXXX ) with a nondescript letter saying I could request the documents they used to make their determination. The agent could only read back the explanation in the letter, which didn't tell me anything. I did request the records by phone at that time, and the agent created another Fraud claim, which was also later denied by letter.

I called to find out why the second claim was also denied, they said they would start a new claim, and I could request the records, which I did while I was on the phone with the agent. 
I did not receive any records, but I did get a third denial ( XXXX ), which I also called about ( XXXX ), and was AGAIN told I could request the records. I requested them by phone at that time. I also sent a letter ( XXXX ) to the address they recommended that I request records from ( XXXX XXXX XXXX so I couldn't get a receipt ), and I sent the same letter to my local bank. 
I did get the receipt that the mail piece was delivered by USPS and accepted by my local branch ( XXXX ), but I did not receive any records explaining how they determined that BOA wasn't responsible for crediting my account for the money they let someone else take from me. 

CLAIM # XXXX