23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, XXXXXXXX XXXX., I received a notification that there was a withdrawal in the amount of {$300.00} ATM Transaction and {$1000.00} ATM Transaction from a card ending with XXXX. It asked me to reply Y if authorized or STOP to STOP msgs. I replied STOP to but did not press Y to authorize the charges. Also, the card ending XXXX is not a card that was ever issued to me. Once I noticed I pressed stop and didn't respond with Y, I called Wells Fargo Customer Service and told them I had unauthorized charges and they were unable to help me because the Legal department was closed. I showed up in person to my local Wells Fargo Bank on the very next day, XX/XX/2023. The banker was able to confirm that two checking accounts were opened in my name without authorization from XXXX XXXX and that funds from my credit account were moved into one of the accounts and then withdrawn. I have received multiple decisions from telling me I am not liable to telling me I am liable for the fraudulent charges which has been very confusing and stressful. One of the employees from Wells Fargo is making accusations that the transfer was authorized from my IP address which is completely false. I also received a letter stating instead of {$4300.00} I have charges in the amount of {$6600.00} that were authorized by me and my claim has been closed. I have been meeting with the same banker and it's still ongoing locally. I really hope we can resolve this issue as I am XXXX XXXX XXXX and retired and I really want to resolve this as I live on a fixed income and shouldn't have to pay for something that was unauthorized on my account. Wells Fargo even claims you wont be held responsible for promptly reported unauthorized card transactions which I did that very night by calling customer service.
Product: Checking or savings account

I deposited a cash fund from my main bank XXXX Bank at US bank on XX/XX/22. After 2 days I did the international wire transfer {$15000.00} at US Bank on XX/XX/22. But they kept it until XX/XX/22 with out informed me the reason of why they didnt transfer. I contacted the person who was processed the wire & told me the the fund youre sending is suspicious. I asked him why did you Guys told me until now. He said I dont know that is the back office responsibility. 
I told him not to send the money.I will send from my other Bank. 
After 2 days I transferred back the fund from US bank to XXXX bank through XXXX with daily limits {$3500.00}. After 2 times transfer the branch manager XXXX XXXX closed my checking and Saving accounts and sent me the XXXX checks.
Product: Mortgage

jumping to few months back XXXX XXXX XXXX ) ... rather beginning the story from XXXX. 

around the month of XXXX i had contacted M & T Bank customer service regarding why i got enrolled into forced escrow program. was told because they paid the back taxes, i told them i paid them and sent the proof of payments via email to the email they provided me. 

then another call i made to follow up regarding how the increase is was too much for me and again, why did it go into escrow?!? rep told me : " oh if you send {$530.00} and request to be removed via email to the same email address, it will be removed from escrow and then you 'll be responsible for taxes '' i said - " fine ''. 

no resolution and then i received a statement with a balance of {$5200.00}!! i called again and was told to send an odd amount of {$750.00} on XXXX and went to a local branch and made cash payment. at the branch had to call customer service with the teller because the teller had know idea what to do with the payment. customer service explained it to her and took my payment. still did not remove me from escrow. 

called after day to confirm the payment and still no help and then was transferred to home owners assistance program. i explained the hardship situation to the guy and the guy said " sorry there 's nothing we can do. '' my mortgage jumped from {$1900.00} to {$2500.00} which is a {$600.00} increase that i ca n't afford because of the forced escrow program without any notification. 

my tax XXXX gross income was {$54000.00} struggling to survive with other expenses and life. i 'm sacrificing money to go to M & T bank mortgage because i do n't want to go into foreclosure. 

XXXX XXXX i went into XXXX XXXX and i do not have health insurance because i ca n't afford it. i am going to get hit with approx $ XXXX XXXX bill and do not know what i 'm going to do. 

on another note : i 've also called a few times last year to ask to reduce my 6.25 % interest rate and again was told there 's nothing they can do i guess if fine with the escrow program but i need help to reduce my payments so i can continue to live at my home. i 've asked on multiple calls what can we do and continued to say " there 's nothing we can do '' or " when you go into default, then maybe we can help '' which i do n't want to do to jeopordize my credit which i 'm slowly re-building. 

hope you can help? thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened XX/XX/2013 XXXX {$0.00}.
Product: Mortgage

No communication,  sent payments 
Sent foreclosure and sale date.
Product: Bank account or service

XXXX Citi businesses XXXX Hello .... I 'm XXXX XXXX Today is.. 
XXXX/XXXX/2016 XXXX Today I went to my bank, Citi bank to handle some business, as I entered I was waiting it was XXXX people in front of me.. Then more came in and went out before me into I noticed I was here a very long time ... 

When I looked up at the time I seen I 've been here For a very long time .. 
Two hours past and I was still siting there so as I was going to get up a man walked over and told me that they were very busy and that they where going on lunch soon .. So I XXXX ok I 'm siting here waiting that 's not a problem. 

so I sat for another hour then someone came and asked me to come sit with him. So as I did he asked me for everything he needed I gave him everything he need to set up my business account .. He XXXX ok great u have everything we need to open it. 

So as he was opening it up for me he 's manger XXXX not to do so. So when I asked him why he XXXX he could n't do anything it 's he 's manger he does n't like me cause I have long hair. I thought it was a joke .... 

I was very disappointed at him for that, I felt like I was not supposed to be here.. I really ca n't tell u how I felt because I do n't want anyone to feel like that. 

So then after all of the commotion I called the corporation and made a complaint against the manger.. 

The customer service lady XXXX it was ok to open it here she do n't see any problem ... 
So she was helping me with the complaint then she XXXX she 's going to contact the branch, so as she was trying to contact the branch he would not even pick up the phone to answer! 

In the past I would of went to jail over some XXXX like this, but my family Sade u wo n't get nothing out of this but trouble.. So I XXXX to my self I 'm going to do this the right way by using my head and putting it to the pen and paid ... To see if this really work! 

My senses proved me right, that As I entered the bank I noticed he 's facial expression and the way he was talking to me that he did n't like me. 

By the way he treated me like XXXX I felt like not being here anymore on this planet, So that 's why I 'm here today writing you to see if u can ... ... ... 
HELP ME? 

Complaint # XXXX Citi bank businesses XXXX Please give me a call if you can help me! 

XXXX XXXX ( XXXX XXXX XXXX Thank you!
Product: Debt collection

XX/XX/2019 a collection company mailed a collection notice to our old business address stating our utility company had sent our account to collections for {$630.00}. I assumed this must be some sort of mistake and had planned to send them a letter back disputing the debt. Today I get a notification that my credit had changed. I just paid off my one of my credit cards 2 days ago and had expected a small change but an increase. Much to my surprise when I log in I see my credit has plummeted by 93 points on one and 69 points on another and FICO 's dropped by 40 points. XXXX won't do anything about it. We moved out of our old location 2 years ago. We have not received one notification, one e-mail, no certified mail, no phone calls nothing about there being a remaining balance. In fact at the time we cancelled our account we we had overpaid because we had a deposit on the account. We were told by XXXX staff that if the deposit didn't cover our final bill we would be sent documentation to support that. If it did, nothing else needed to be done. We never heard anything else from them until I received this collection letter a couple of weeks ago. I have AVIDLY been working to get my credit to where it needs to be bringing my score up nearly 200 pts in the last 18 months. It would be stupid to let a {$630.00} balance ruin what I have worked so hard. If it was valid and the documentation supported it I would have paid it. Honestly, I probably would have paid it just to make sure something like this did happen. 

One other point about this I am uncertain of. The damage to my credit is being done by an " Account '' being added as a closed account that was closed and placed for collection for the amount of {$410.00}. It says the account was closed XX/XX/2019 which differs from the collection notice. We had two bays at my previous location which incurred 2 different utility bills every month so I am curious if there is going to be a second hit if this collection notice for {$630.00} is one unit and the {$410.00} is another unit.

I will upload the collection letter and the information about the closed account. The accounts shows 5 years of history yet there is no payment history, not high balance, no monthly payment, no late payment info, no worst payment status. Nothing, just closed with a balance of {$410.00}. 

You will also notice the documents are being mailed to our old address at XXXX XXXX XXXX. We setup mail forwarding for 6 months after moving. Additionally we only moved a 1/2 mile down the road to a bigger location. We had the same mailman and as a result he would give us our mail even if it was mailed to the wrong location. So regardless they had 6 months to send notification of the balance and we would have definitely received it. They also had my e-mail address on file and could have send notification that way as well. 

Lastly, I have lived in the same house the entire time, where I also could have been mailed something. 

So to be clear I am disputing the collection charge for {$630.00} and the " closed account '' with a balance of {$410.00} that is harming my credit.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : XXXX XXXX XXXX XXXX XXXX  ] Date Listed : [ XXXX. XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

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

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued reporting of the above-referenced account on my credit report, which you have repeatedly verified despite my previous disputes. I believe the investigation process has not been conducted properly, in violation of federal law, and I am requesting immediate correction. 

Under 15 U.S.C. 1681c-2 ( Section 605B ), a consumer is entitled to dispute any item on their credit report that results from fraudulent activity. This statute explicitly states that credit bureaus must block the reporting of such items upon receiving appropriate documentation. I have provided the necessary documents in my previous disputes and demand that this account be properly addressed in compliance with this law.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when verifying disputed information, the credit bureau is obligated to provide a clear description of the procedure used to investigate the dispute. Despite my requests, you have failed to provide this information. This is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

As soon as I realized that our insurance company did not receive the wired funds ( over $ XXXX ), and that the emails from my insurance broker were XXXX, I filed claims with Chase on each one as well as recalls. I also filed an IC3 complaint with the FBI on XX/XX/XXXX and supplemented it on XX/XX/XXXX when I noticed on XXXX that someone from XXXX XXXX viewed my profile in dark mode ; XXXX XXXX  is the bank to which I wired funds as per the direction of my " broker ''. Chase denied our claim, as per a letter mailed to us on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently announced a massive data breach. I have used the website they set up to confirm my information was compromised. They have not provided me written notification that my information was compromised, and have not provided details on exactly what information of mine was compromised. 

By failing to personally notify my of which data of mine they compromised they are placing the investigative burden on me. They are making me responsible for finding out if they compromised my information. 

Once I determined that some of my information had been compromised ( but not details of which information ), the only recourse they offer is one year of " free '' credit monitoring by their service. They are leveraging the problem they created to benefit their business. While they may not have created the situation, it has the appearance of a shakedown scheme. 

The risks Equifax has exposed me to are serious. Their response has been anything but. They have failed to provide adequate notification to those they placed at risk and failed to assume responsibility for placing them at risk. I consider this especially egregious since I do not have a consumer relationship of any sort with Equifax ; they store my information for the benefit of themselves and their customers, yet it is me currently facing the risks of their negligence.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I work making deliveries for apps and I received my weekly payment as usual on XXXX. Since I received a great tip last week, I made plans for the money, to travel for XXXX, but since XXXX  the XXXX the bank has not released my money, claiming that the deposit needs to be confirmed. However, it has been 2 days in the app. The money is fully available, but the bank insists on not releasing the money. Today is the XXXX, the day before a holiday, and I have not been able to access my money. Another point is that I receive payments from other locations and these amounts are also being withheld by Citi Bank even though they have no relation to the other weekly deposit.
Product: Money transfer, virtual currency, or money service

On XXXX, at XXXX, I discovered that a fraudulent account with Chime.Com was opened using my personalemail in XXXX, Ca using a phone I do not own ( XXXX ) - I live in XXXX XXXX area and not XXXX XXXX so its definitely not me. I called Chime and they confirmed an account was opened, but could not cancel the account as they required the last four of my SSN and my DOB, which i did not feel comfortable providing. As such, they did not close the account but only removed my personal email from it. There is allegedly a bank card in the mail, but Chime refused to cancel the account although they were able to confirm that this account was open fraudulently. XXXX. I filed a report with the company y, but they refused to provide a case number or correspondence confirming the fraudulent activity. I spoke with XXXX from Chimes Member Protection department, but he did not give me any further information. I also requested a supervisor/their information, but this was also not provided. Chime Refused to close the account although it was confirmed this account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I had applied for a position and a background check was done by HireRight. They falsely reported a XXXX XXXX XXXX XXXX causing me to lose the employment offer. I followed their procedure for disputes. In a letter dated XX/XX/XXXX, it was stated that they contacted the court and will not change the XXXX XXXX XXXX XXXX XXXX. This is patently false. Had I been able to, I could have provided documents from the court. I then tried to call HireRight to again address this and was denied any further action.
Product: Credit card or prepaid card

I filed a previous complaint because my identity was stolen and used to try and obtain a tax refund and a new card. 
I used to have a card with Capital One and did not renew it when it expired. I question how Capital One recently reviewed my credit information when my credit file is locked and there is a fraud alert on it. 
1 ) Did someone apply for credit in my name?

2 ) I do not want a credit card from Capital One and I want my name taken off its mailing list.

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification used for the information listed on my credit report, as provided by your agency. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) entitle me to this information, particularly in regard to the accuracy and integrity of my credit profile. 

Dispute Information : XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 

Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in XXXX XXXX XXXX ( XXXX ) of the Fair Credit Reporting Act, which is noted below : XXXX XXXX XXXX ( XXXX ) - permissible purposes of consumer reports, the law clearly states : XXXX XXXX XXXX XXXXn general Subject to subsection XXXX XXXX XXXX, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

Specialized Loan Servicing has been very difficult to work with. Please see attached dispute letter. Lack communication unless it suits them. Refused to assist me, forcing me into Foreclosure when it was not necessary. They refused my cash payment that I was told were certified funds, but then refused to tell me they refused the payment, instead blaming it on the vendor that sent the funds and giving me the run around only to tell me there was nothing I could do but lose my home. They transfer you over and over so you get so frustrated you just hang up.