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

On XX/XX/XXXX, I deposited a {$7500.00} check into my personal checking account at Wells Fargo. The check was drawn from an account at another financial institution, which has maintained a balance exceeding {$7500.00} since XX/XX/XXXX. The funds were debited from that account on XX/XX/XXXX. 

On XX/XX/XXXX, Wells Fargo notified me that the check was on hold due to insufficient funds at time of inquiry and that the funds would not be available until XX/XX/XXXX. On XX/XX/XXXX, I contacted Wells Fargo to request the release of the funds, noting that this issue had occurred XXXX  before in XXXX with similar delays. They confirmed the funds were in their possession in a security account but refused to release them early, citing security reasons. I have been a Wells Fargo customer for nearly XXXX years with no negative account activity. 

The hold is causing significant inconvenience, as I may be late on a payment due XX/XX/XXXX, despite depositing the check well in advance to account for standard processing times. As a small business owner, I rely on timely access to funds, especially for transactions of this size. This repeated issue suggests a need for Wells Fargo to review its check hold policies to prevent unnecessary delays.
Product: Credit reporting

They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX, 2022, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXX, 2022, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the XXXX months of payments made towards the {$14000.00} balance, the vehicle was sold for {$8000.00} added to the amount owed on my craa, the amount exceedes the original plan amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX XXXX they have reported a payment as late I wasn't late XX/XX/2019 I closed this account a few years ago it is paid as XXXX balance owed the late payment is inaccurate I have already asked them to remove it in the past and they haven't abided and they violated my consumer law because they never gave me the option to opt out from reporting this information to a third party which is a privacy violation I have never been late please update to show no payment late thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXXXXXX XXXX XXXX along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to file taxes for my componey called XXXX XXXX XXXX XXXX  XXXX co she was filing my LLC taxes for me after many emails and phone calls from them asking for way over XXXX for papered my my taxes that i never picked up so serves was not rendered they sold my account to CREDIT SYSTEMS INC Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX for some thing i never picked up or revived i will like this com investigated asap for fraud i have never got any mail on this or phone calls as the law requires them to do I JUST CALLED THEM AND THEY DON'T EVAN HAVE MY CORRECT NAME ON FILE ALSO THEY HAVE MY BUSINESS ADDRESS WHERE NOTHING WAS EVER SENT MY MAIL THIS MUST BE REMOVED ASAP
Product: Credit card or prepaid card

Hi, Synchrony Bank or PayPal credit ( this credit card was never activated ) has charge my PayPal account and my inactivated PayPal credit. Shortly after the XXXX purchases was charged they falsely stated that my XXXX  checking did not have the balance or XXXX  refused payment and immediately close out my inactivated PayPal credit. The fact the credit card was never activated and posting transactions on my PayPal balances already it should not be. 


Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fax XXXX Phone XXXX I want CFPB to continue protect the rights for consumer and look into this complaint relating to credit procedures.
Product: Credit card

My Best buy credit company did not adding my first payment for initial purchase {$780.00} from XX/XX/XXXX to my payment records for two month. this purchase money I suppose to paid off in 18 months with 0 % rate. I did my first payment in advance in 13 days of of {$67.00} on XX/XX/XXXX for XXXX pay period but they didn't reporting this transaction till XXXX pay period statement, XX/XX/XXXX. They combined it with my second payment {$60.00} in XXXX XX/XX/XXXX as one {$120.00} transaction and wrongly classified as one late payment. 
By doing this unlawful payment manipulation they ruined my payment history and announced majority of my payments as being late even all payment done in advance 13-28 days. 
Even I paid in advance in full in 12 month instead of 18 Best buy credit company forcing me to pay extra {$990.00} and threatening my with bad credit history. I am adding my all payments history below.
Product: Credit card or prepaid card

Not a duplicate as NEW information has been provided. Per CFPB rules new information or evidence must be reviewed. 

With new and additional supporting documentation provided I iterate my complaint as being valid and the overcharge of {$200.00} assessed by the merchant for damages to the rental car to be fraudulent. If Chase wishes to be victimized by the merchant than that is their business, I for one do not and will not. I find Chases investigation into this matter subpar at best. Chase has taken the merchants claims and supporting documentation no matter how false and inaccurate it may be over their valued Customers claims and supporting documentation. This is very concerning as a Chase Member and card holder. So much so that I've since refrained from any further major purchases since the incident at hand and the shocking support for the merchant and their bogus claims over their own valued Customer whom has never shown a history making any such claims in the past. Chase 's investigation into this matter has produced color pictures of the alleged damage to the vehicle that the merchant claims was caused while the vehicle was under my rental term. The problem with the merchants claim and supporting documentation is that the evidence provided clearly depicts damage to a white vehicle, yet the vehicle rented was dark gray in XXXX. This is even further proof that you are being scammed! I have provided a picture of the Vehicle XXXX and will provide further testimony of the XXXX and pristine condition of the vehicle 's return should you decide to take this matter serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX  FL XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

XXXX XXXX  failed to prove their account belongs to me. While in the process of validation the account was sold to Associated Credit Services.

Associated Credit Services has also fail proving their account belong to me. Neither XXXX nor Associated credit Services are Holders in Due Course. 

XXXX reported a balance of {$100000.00} and Associate Credit Service reported a balance of {$97000.00} each reporting the same account numbers.
Product: Debt collection

They are making more than XXXX calls a day to our home. They have contacted me at work when I 've told them not to because I could lose my job. They also have called our neighbors.
Product: Mortgage

I called Customer Service on XX/XX/18 to pay my projected shortage in full, which was just a little over {$300.00}, that was the result of my new estimated property taxes. I requested to have my escrow reserve removed and escrow analyzed. The rep told me that she has not heard of having the reserve removed. I explained that it is allowed by RESPA within my security instrument not to exceed 16.6 % of the annual impound balance, but the reserve is not a mandate and is negotiable. The rep told me that her procedures show that the reserve can be removed for properties in TX but not other states, but that her procedure does not explain how to remove the escrow reserve. As such, the rep instructed me to submit my request in writing. I submitted an email request on XX/XX/2018 summarizing my experience with the Customer Service rep, and I requested to have my escrow reserve removed. It was not until today, XX/XX/18, that Wells Fargo finally made a decision to decline my request. Having to pay an additional {$2000.00} a year as a cushion is outrageous, and I would never have an insurance or tax installment increase that much in a single year. I am not even required to have an escrow account and only elected to have one to safeguard both my interest, as well as whoever ends up servicing my loan. This is causing my monthly payment to be an additional {$200.00} more than what it needs to be. I feel that I am being unfairly treated because I have one rep that says I can remove the reserve and another saying I can't. I have had five different servicers on other loans that have always removed the escrow reserve during a single telephone call without an issue. This is the most difficult experience I've ever had in requesting the removal of an escrow reserve. I am requesting to have my escrow reserve removed and have my escrow analyzed effective with my XX/XX/2018 monthly installment to maintain an affordable monthly payment and avoid any potential financial hardships in the future. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, My Name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have no association with any other address that may be listed on my XXXX, XXXX or Transunion credit bureau.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 addresses that I have never lived at before, Accounts and bogus inquiries. 

This address was used to open accounts in my name : XXXX XXXX XXXX, XXXX These are the accounts in my name that stems from the identity theft XXXX XXXX XXXX XXXX XXXX ACCT # XXXX {$37000.00} XXXX XXXX ACCT # XXXX XXXX. {$37000.00} These are the inquiries that are fraudulent on my credit report : XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains a fake address as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus address. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned address that are listed on my consumer credit record that you maintain. The address listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and XXXX police report # XXXX ) as official documentation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the address, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Product: Checking or savings account

On XX/XX/year>, I received a text message asking if I had made a transaction for {$74.00} at a XXXX in XXXX. I have been receiving fraud text messages from Chime requesting similar information since XX/XX/year>. Just as I had done in the past, I replied no to the text message and was sent a notification saying that chime would call me to dispute the transaction. Prior to this phone call, I had received a new card due to all of the fraudulent activity described above. Because of all the fraudulent activity and the new card, I was under the impression that the problem was a lot bigger and required a phone call with the dispute department. 

Upon receipt of the call, which did come from a chime phone number, I was given the name of my representative as well as asked my verification. Question XXXX like normal. I did not give them any information that isn't normally asked by chime. The scam representative was able to " dispute my charges '' and then let me know that chime would be opening up a new bank account where we would need to transfer the money. When I asked for verification that he was actually a chime representative, he was able to give me my email as well as XXXX addresses where I had lived. He stated that he could not confirm my social security number as he would lose his job, which was understandable. He then had me move the money via pay. Anyone, however, was able to use chime one-time passcodes for the verification. Upon the verification of the passcodes, I was asked to confirm that I received a passcode and The scam representative was able to accurately tell me what verification codes should be. The call was an exact replica of a normal chime phone call down to the hold music and the lingo used in confirming my identity as well as knowledge of the inner workings of the chime app. 

Once the money was moved, I was informed that I would be getting a call back from chime to finish setting up the new bank account and settling the dispute. I immediately called the chime number from the chime website and was then told that my dispute was a fraud. In order to settle the dispute, I submitted pictures of the very first chime fraud alert I received as well as the last, which led to my money being stolen. I've also included a personal statement as to what happened. 

The bank denied my requests for dispute twice because of personal involvement, however I can prove all of the things stated above. I also made a police report on XX/XX/year>.
Product: Debt collection

Received a voice mail on XXXX XXXX, from ( XXXX ) XXXX which is a number for XXXX XXXX XXXX asking for information about myself. Having never been involved with this company I called the number back, turns out it was FMR, a debt collection agency calling me using a " spoofed '' number claiming I owed some sort of debt to " XXXX XXXX '' in XXXX, TX. No details were provided about this supposed debt, nor is there even a " XXXX XXXX '' in XXXX! In addition, they had the last 4 of my SSN and birth date. I have never been to a XXXX XXXX or any high interest loan company in my life, so this may also include an attempt at identity theft. Therefore I am placing a 90 day fraud alert on my credit and filing a complaint with the CFPB.