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

From XXXX till XXXX transactions were conducted on my Wells Fargo account, over draft fees charged when funds were present, yet deposits were posted after a transaction put my account into the negative. Numerous charges, invalid accounts created in my name with Wells Fargo in XXXX. Withdrawals from my account in amounts of {$1000.00} and {$600.00} on various fraud transactions. I would have to contact Wells Fargo to put a stop on my debit card, they would issue a new one, only to have the same problem occur over and over again. I would say I was issued at least 5 new debit cards within one year due to bogus charges. I had been a valued customer for over 25 years with Wells Fargo, I finally closed out my account with them in XXXX, was tired of dealing with all the fraud taking place. Once I did close out my account, I have still received bogus calls apparently from Wells Fargo stating my account is overdrawn or charges are pending and need my new account information, this happened just last week on XXXX XXXX, XXXX asking me for new banking information.. All of these text messages and scam phone calls were forwarded to Wells Fargo XXXX The stress caused by Wells Fargo with all of this fraud and bogus charges has been excessive. Over draft fees that I was charged and will probably never get back.
Product: Credit card or prepaid card

. Have a balance transfer option to pay an outside loan or credit card for a promo rate. You go to use that offer instead of transfer out to pay a bill. They want to take funds from from the credit cards and loans vs transferring funds to to take advantage of offer. They trying to steal have a screen shot of that scenerio Second thing i used a check that barclay bank sent me to use as needed XX/XX/XXXXXXXX XXXX XXXX I had confirmed with credit card company i could write in the amount of XXXX they they said yes i could write for that amount on XX/XX/XXXX ( screen shot from bank shows barclay declined and blocked account for no reason ) t When the bank was cashing they put a stop payment on check and caused my other accounts to freeze up i. I called barclay bank and explained there was an error they said there should not be and was instructed to rewrite a new check for XXXX and submit again to XXXX this time i put in a different account at XXXX barclay denied for a second time they said that one was no good to write a new check and submit to outside bank that was XXXX XXXX XXXX  They rejected again XXXXXXXX XXXX  spoke directly to XXXX at barclay bank and she told XXXX and myself 3 way call for bank to resubmit check that it is all fine they still will not honor without answers seems like customer service does not know. Several phone calls to fix they say its fixed but will not pay out check submitted and no answer as to why im told its fixed but it is not. Meanwhile they have lowered my cash advanced limit after their bait and switch verbally on the XXXXXXXX XXXX and verbally on the XXXX XXXX from customer service at barclay crediit card. This company is doing a bait and switch and mis representing causing their customers huge problems. I am singled out for no good reason. They offer it but do not honor i understand all terms and credit card terms this is not good practice have an XXXX Credit score a XXXX XXXX  cred lmt. And a XXXX balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Transunion because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also transunion under the civil law ( 15USC 1692k )
Product: Vehicle loan or lease

Over the course of a month and after several phone conversations and letters with Capital One Auto Finance regarding a car loan in the amount of {$1600.00} consumer credit transaction showing on my reports have refused to XXXX balance, grant my title free and clear, close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.
Product: Debt collection

A relative used my social security number when checking in to a hospital. He did not have any identification of mine, he just knew my social security number. I have tried to get any documentation from the collection agency proving the medical bill belongs to me and explained that a relative had stole my identity. They have refused to provide any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a credit score of XXXX. It is being reported as XXXX and not a website issue. attempted to call help line and was told there reporting XXXX because of my browser. its not my browser they have no idea what the XXXX they are doing. I was about to sign a mortgage this morning and now everyone at bank thinks I being investigated by feds. They need to compensate for damages for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 ISC Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

XXXX of 2021 I received my credit report in an attempt to verify all debts due to unauthorized / fraudulent activity. 

I contacted Sunrise Credit Services who immediately forwarded my call to XXXX who stated I owed them {$2100.00}. I have never consented nor authorized XXXX  to open an account under my name, address, social, nor any other personal and private information for XXXX  services. 

XXXX  refused to address my dispute/claim over the phone, and refused to agree to mail me information to verify this account. 

Someone is using my personal identity to open accounts under name, address, social, and other personal information as fraud.
Product: Checking or savings account

XX/XX/XXXX : transaction occurred on my Wells Fargo debit card for the amount of {$2400.00} XX/XX/XXXX : Wells Fargo detected suspicious activity and started declining future transactions XX/XX/XXXX : I called Wells Fargo after checking transactions to confirm that indeed some of the pending transactions were not recognized by me XX/XX/XXXX : Wells Fargo submitted a claim on my behalf to further investigate XX/XX/XXXX : Wells Fargo sends notification via regular mail ( I was out of town so did not see this letter until I got back home on XX/XX/XXXX ) to inform me that there was no evidence of a processing error and determined the transaction to be authorized and claim closed. 
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX - received same standard message via email on all of these dates informing me that Wells Fargo was still looking into the claim I submitted and that they would let me know what was determined after research was complete. 

XX/XX/XXXX : I called Wells Fargo to follow up on this claim. They said they no longer had rights to dispute the claim and that they could tell the physical card was used for this transaction and that my only option was to work with the merchant. 

I am 100 % sure I did not intentionally make any purchase for such a significant amount on that day or any close day prior to that. The transaction details are not enough to be able to identify or contact the merchant to try and dispute with them. Wells Fargo is not able to provide any additional help or fraud protection for this claim. It is a significant amount of money that was charged and that I don't recognize. I need help to find other ways of resolving this.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/2022, I went to ask at a BOA agency, XXXX XXXX XXXX, XXXX, FL XXXX, about a {$500.00} bonus promotion if I opened a checking account with them. I went and asked why I already had a savings account but not a checking account, and they told me that this promotion was valid for me. At that time the agent told me to open the checking account with even {$100.00} and then deposit the {$50000.00}. I gathered the money and on XX/XX/2022 I spoke with the agent and he told me to deposit it. I asked an agent at the same bank and he told me to deposit it wherever I want because it was the same to do it in the current or in the savings bank, the important thing was to have the money and not move it. I gave the check to the teller and they deposited the money in the savings account. I did not decide in which account I was going and I was calm. I waited 90 days and I went to the bank to ask about my {$500.00} bonus and they told me I had to wait another 60 days to deposit that money. Wait 60 days and nothing. Then I go to the bank and they tell me that I should call and make a complaint. I called on XX/XX/2022 and spoke with XXXX, she told me that she was going to make a written complaint and that she call today XX/XX/2022 to see the result of the complaint. Today I call and XXXX answers me saying that the claim has been denied since the clause of the contract says that they only give me the {$500.00} if I deposit the money in the checking account and that he can not do anything else, however, he told me that he was going to try to make a complaint again and expect a new response for the next week. I consider that to be a fraud. I am very upset because I went to the bank quite often and they told me that the account did not matter. Now they come to me with this story. I lost my money and now I don't know what to do. 
To make matters worse, BOA does not give me any claim number, but I have to tell the whole story every time someone attends to me
Product: Credit card or prepaid card

I have an account with XXXX XXXX for a XXXX phone. The web portal for this website is deceptive in that after you set up automatic recurring payments to pay the minimum balance due, the company takes a payment of the entire balance. I was supposed to pay the minimum amount of {$33.00} in XX/XX/XXXX, but the recurring payments took the full balance of {$630.00}. I noticed this incorrect amount in XXXX and called in for a refund check and adjustment. They processed the adjustment on my account and added back the credit of {$600.00} to my balance on XX/XX/XXXX but never sent the check. Synchrony said they sent the check but it was never received. Over the course of the next two months I had to call in over 20 times to speak with multiple representatives to get the check sent. Every single time I spoke with a representative, they said the check was on its way and it had been shipped. I finally got ahold of a manager in late XXXX who said that nothing had been sent and that they would reprocess the check to be sent. Finally, around XX/XX/XXXX, I received the refund check and thought everything was fine. Only to login a month later and see that they added another credit of {$600.00} to my balance. So now, XX/XX/XXXX, my balance is 2 times of what it should be and I have to go through the process of working with their customer service to fix this issue when it shouldnt be an issue to begin with. 
It seem like most of their customer service representatives are poorly trained and are not empowered by the company to provide a positive customer experience. However, I wonder if this is all done on purpose and everything is hard to complete in hopes that their customers will give up and therefore Synchrony will come up on their customers losses. I am a college graduate who speaks XXXX as my native tongue and it was this difficult for me to get this done I can only imagine how difficult this process is for someone who does not speak XXXX as their first language, a segment which, I imagine, makes up a large percentage of Synchronys customer base.
Product: Debt collection

XXXX2017 phoned Discover to make an additional payment of XXXX to my account. I was transferred 3 different times finally an account specialist, XXXX XXXX in AZ said to me, now that you have made this payment, you will have to be switched from an auto pay enrollment with a fixed amount to a minimum auto pay. She did say my payment would not be drafted until XXXX, I told her no I am trying to pay off my debt, not extend it. She then said my account had 20 months to pay but since I paid the XXXX it would now go to 8 months. I asked her what would have happened if I did n't call in, she replied we sent out letters stating that we had a glitch in the Discover system and some auto drafts were wrong and then it showed up on the customers credit as a " no pay '' I said I did n't get any letters. when she looked, she commented well, I do n't see that they sent you an email or a letter. Basically I had to switch to the new minimum payment I DO N'T KNOW WHAT THAT MEANS. She said my XXXX payment was still in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracies on my credit reports ( Experian and XXXX ). When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the Federal Court where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.
Product: Checking or savings account

I was a long-time banking customer with TD Bank XXXX On XX/XX/2022, I received eSign documents for a new TD Bank Checking Account, which I had no knowledge of. I immediately called into customer service and they transferred me to the fraud department. The fraud department could not locate any fraud, but advised me to close my current accounts and reopen new accounts. I was not satisfied with the resolution, so I eventually decided to close my TD accounts and move to another financial institution. 

On XX/XX/2022, I began receiving emails from XXXX stating that my Online Banking Statement is available for TD CONVENIENCE CHECKING XXXX. I again received the email on XX/XX/XXXX. It seems another customer is using my email address for their account and/or my personal information. The fraud department has still not provided any resolution to this matter.
Product: Credit reporting or other personal consumer reports

Midland credit management has 3 accounts showing on my credit report they are reporting as a COLLECTION yet also reporting as an OPEN account with a BALANCE which goes against FCRA compliance.i have mailed letters I have called trying to get proof these are mine with no reply!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my XXXX, XXXX, & TRANSUNION credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the XXXX major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX  back on XX/XX/XXXX my lender is westlake financial services located XXXX. XXXX  XXXX XXXX XXXX ca XXXX imy monthly payments are {$500.00} my first payment was on XX/XX/XXXX since then I havent made any payment late I being charge 6 late fees {$25.00} all this late fees where accumulated on XX/XX/XXXX I call them on XX/XX/XXXX on XX/XX/XXXX and all I was told its they will escalate this but with out getting it clear or explain what have happened I contacted on XXXX my bank to request a copy of all payments made to westlake financial and there is not a single month that they havent collect the payments I had in made and indeed all payments have been process with out any delay
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  DOESN'T READ COMPLAINTS. I have continually complained against Experian and XXXX XXXX XXXX XXXX ( XXXX ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission and have yet to revive. I know it does not exist. XXXX doesnt read the complaints and continues to label complaints This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. But then they contradict the above statement by stating Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. Doesnt make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts were made to open credit cards that are fraudulent. These inquiries need to be removed from my report as this is harming my reputation. The following are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2XXXX XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.
Product: Student loan

I am a XXXX XXXX of XXXX XXXX university XXXX college located XXXX XXXX XXXX at the XXXX XXXX, I have been receiving my refund from the school, but after the last payment on XX/XX/2018, so I have written to both the school officials and the financial aid, but no response. Please I need my money because I have gone through pain and suffering, I have been delinquent on credit card and had several late payment on rent.
Product: Mortgage

After several weeks of closing being pushed back, we were informed that we needed to pay {$6000.00} in order to meet the terms of the loan deal/appraisal. This was dropped on us after paying the appraisal and XXXX deposit fees totaling {$1700.00}. The terms changed after we had agreed. We were informed the cash to close at disclosure was set at {$1500.00}. 

We had no other choice but to back out. We were told there were to be no additional fees and there are supposed to be no down payments with a USDA however that is what this company was trying to get out of us. 

They told us we were out of luck on the money and did not have a right to a refund. They did not answer or return any of my calls.
Product: Checking or savings account

On XX/XX/2023. A purchase of XXXX was made to a company by the name is XXXX XXXX XXXX XXXX using my chime debit card. After waiting for weeks and the merchandise wasnt received, I reached out to the merchant in regards to a cancellation, but received no response. I started a dispute process with Chime due to not receiving the merchandise, and Chime continues to deny my claim, saying that the order is authorized, even though I sent them supporting documentation to show that the items purchased were never received, and the merchant has not responded or provided a refund. I have filed a claim with Chime 6 times, and each time that I have requested supporting documentation to show why my claims were denied, I wasnt provided anything.