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

On Monday XX/XX/2024, I walked into the ( city ) Tx Wells Fargo bank to make a payment on a mortgage acct that is in my ex 's name. I made this payment in cash. and received a receipt. After that transaction, I asked that the XXXX checks I had be deposited into MY savings account and provided my ID. 

The teller neglected to check the names and addresses on the account and the checks, and deposited my checks into my ex-husband 's savings account. 

I got a receipt for that transaction, ( not knowing her mistake ). 2 days later on Wednesday the XXXX I went to pay bills and noticed my money was not there. I promptly went into the branch and spoke with the teller. Who admitted her mistake and called for a XXXX. 

The XXXX spoke with claims, and it was escalated. I was told regardless of the teller admitting her mistake they would not return my funds and I had to wait up to XXXX business days. In the mean time my financial information in the form of check images were in my ex husbands acct. I explained that this was not okay. This gave him access to my financial information, salary, employers, etc and given our past this needed to be fixed immediately. 

I went into the bank on XX/XX/2024, after calling the wells fargo number and was told it was a bank issue and that the bank branch needed to fix it. I explained the XXXX had tried and was told she couldn't fix it, and I was now getting conflicting information. I drove down to the bank, with customer service on the phone, and told then I was with the XXXX and they needed to explain to him that he needed to fix it. The story changed again and he told the XXXX I needed to wait the 10 days. 

I did receive my funds on XX/XX/XXXX, and someone called me on XX/XX/2024 to let me know they were looking into the claim, and I let them know I had the funds already but I needed the images removed. She said she had never dealt with this and wasn't sure what to do. I told her she needed to escalate it and figure it out. I have gone to the bank and let them know again that this is unacceptable and my financial information should have never been put into someone else 's account. To date XX/XX/2024 the check images are still in my ex 's account.
Product: Credit card or prepaid card

I am writing in response to your recent communication dated XX/XX/2023, regarding a balance of {$460.00} attributed to me, XXXX XXXX. As previously mentioned, I am willing to fully settle this account if corroborating documentation validating the authenticity of this claim is provided. 
Although I respect the protocols and systems used by SYNOVUS for risk management, it is my right to demand documentary evidence of the financial transactions involved, based on the provisions of the 15 U.S. Code 44. I am requesting all relevant documents, correspondences, books of account, and financial and corporate records related to this account.

Furthermore, pursuant to IRS Publication 583, I am requesting for a detailed breakdown of journal and ledger entries from the date the account was opened. I seek clarity regarding the origin of the funds and the current outstanding balance. 
Your response noted that the account charged off correctly on XX/XX/2023. However, I require comprehensive clarification on the application of 12 U.S.Code 83 relating to my account. This statute states, " No national bank shall make any loan or discount on the security of the shares of its own capital stock '', hence, I am keen on understanding how the balance was derived. 
Please understand, I am not seeking account deletion for making the payment, rather I want clarification of the issues raised above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXE Account Number : XXXX : is {$220.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : is {$1900.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : {$4400.00} XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute about a charge that Barclays bank charging me. because they didnt send me any email or mail or call XXXX XX/XX/XXXX( that was the last email statement that I got from them ) since there I didnt hear from them at all I had auto pay and I wasnt bather to find out what is my balance, until I check my credit report recently and find out that I owed them money from more than a year ago. if they just notified me, I could pay it right away but if they keep it secret from me just because they want to charge me interest and penalty that is not fair. I can prove you by show you all my email that I didnt get any email from them scenes XXXX XXXX. I asked them to remove all the interest. the original amount is {$69.00} I can pay it as soon that I will get a bill. but more than that I refuse to pay, Barclays bank try to collect interest and penalty without sending any notice to the clients. I asked Barclays bank on XX/XX/XXXXto rmove it from my credit report but they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX PI XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} 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
Product: Credit reporting or other personal consumer reports

Incorrect Information to be Removed : Names : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX to be Listed : Names : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please review the information and make the necessary corrections to my credit report. Thank you.
Product: Credit card or prepaid card

I've received numerous credit advisory e-mails with misleading information I have received multiple emails telling me of my outstanding approval odds for various types of credit accounts, and have taken their advice to my detriment by being denied credit and taking hard inquiries to my credit report- further lowering my credit score resulting in not being able to acquire new credit.
Product: Credit reporting or other personal consumer reports

I have disputed many accounts that are on XXXX, TRANSUNION, and the other Credit reporting agency. 
All XXXX have dates and payment info wrong. All of the account are wrong!! I have asked for a paper copy of my reports, from TRANSUNION and XXXX and never got them. Due to the wrong information, my file for XXXX is XXXX pages long. Also TRANSUNION has a note, that shows that my deposit to my account info is being checked.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process4 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several fraudulent accounts have been reported on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries which were opened or reported due to the breach. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have requested multiple times that the accounts on the ftc be removed and them when I ask them for the proof of the debt or validation they give me the run around asked the creditor never responds call I get an XXXX person and when I asked him some question please send request in writing hangs up I did this was back in may still waititng for an answer I had enough of this cat and mouse game HELP!!!!! PLEASE!!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GRAIN XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

I applied for a Obama refinance around XXXX and was not aware it was a second mortgage until I sold my home in XXXX. Then I was told about the second mortgage for $ XXXX. Knock me off my feet. The first I had every heard of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was included in my chapter XXXX bankruptcy and subsequently discharged. Experian has this item incorrectly listed on my file. I disputed it with them asking them to update the item as " included in bankruptcy '' and change the status to " unrated '' as provided in industry standards and federal law. 

XXXX XXXX. Account number listed XXXX I have a attached a copy of XXXX XXXX from my bankruptcy showing this XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I've contacted Sallie Mae multiple times over my loans no longer being deferred. While most loans have been reverted to in-school status with the bill-due removed to in-school status, one has not. I've contacted Sallie Mae multiple times through the phone and their chat service, attempting to resolve this issue as quickly as possible to continue making my in-school payments ( {$25.00} a month ). I've been working hard to increase my score over time and was disappointed to see my score affected by the lack of support from Sallie Mae on an issue that their system is having. I am told that their system shows that I was not in school, but that is inaccurate, as I was in school during the fall and summer quarters. I have made sure that my deferment status would not be affected and picked a graduate program with a start date that would not affect my loans. 
This is not the first time Sallie Mae has removed me from in-school deferment, and I had to call them before to fix this issue. I can't be {$400.00} past due when my in-school payments are {$25.00}. My overdue balance would take many months to reach {$400.00}. 
Sallie Mae has repeatedly told me to " wait 3-5 business days and call again, '' and I've been doing that constantly for months. They have no way of tracking a claim, or how to fo follow-up on an issue. They do not send emails about the progress of the claim either. I have been making payments for months without any problems, but I will not pay an out-of-school balance when I am still a student. Sallie Mae has all the necessary call and chat logs. I am ready to submit all the documentation needed to prove my case.

I have submitted the statements showing that Sallie Mae had removed me from in-school deferment and then put me back to an in-school status but never removed the {$300.00} payment. I have also attached a screenshot of one of the many times I have been told to wait while my credit score gets affected. 

Thank You
Product: Credit card or prepaid card

Hello, I would like to challenge the ruling that was mailed to me recently deny my claim by Chase Bank in regards to the that happened on XX/XX/2019.The charge was due to a Scam in which I was scammed out of over 400 $ by this individual/sneaker retailer.The individual/retailer was contacted by me in regards to some sneakers they had been advertising online .I sent the money through XXXX XXXX for two separate purchases one for XXXX and the other for approx 160 .I would like the transactions reversed due to the fact I never received the merchandise and the merchant has since disappeared and removed all online listings of products.I have contacted my bank and provided them with pictures of the transaction details and they have denied me my reversal .I do however feel like the agent that I intially spoke to has some bias towards me due to our previous interaction prior to the denial .I am a working individual and I have never been late with any payments and have payed off thousands of dollars to Chase Bank credit card .Chase recently sent me 2 letters denying both claims and the explanations for denial sound skeptical.Please help me! 

thankyou for your time and I appreciate your review of this Matter
Product: Checking or savings account

I am filing this complaint against Capital One regarding their failure to process my employers direct deposit, which was scheduled for XX/XX/year>. 

On XX/XX/year>, my employer deposited my paycheck into my Capital One account as usual. However, the funds did not post to my account. I contacted Capital One on XX/XX/year>, to address the issue. During the call, I was informed that there is no timeline for resolving the problem. 

To make matters worse, on the night of XX/XX/year>, Capital One sent an email assuring me that the problem would be resolved by the following morning. This assurance was false, as no resolution has occurred, and I have yet to receive my paycheck. 

Steps I Have Taken : Confirmed with my employer that the deposit was successfully sent on XX/XX/year>. 
Called Capital One customer service on XX/XX/year>, where I was informed that no resolution timeline is available. 
Reviewed the email from Capital One, which falsely stated the issue would be resolved by XX/XX/year>. 

Impact of the Issue : The delay in accessing my paycheck has caused significant financial hardship, including [ difficulty paying bills, fees incurred, can not buy groceries. ] This situation has also caused undue stress and frustration.
Product: Checking or savings account

My XXXX XXXX and I are beneficiaries of the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , which has a situs in Georgia. Bank of America is the trustee. I received distributions in the past but have not for several years. Based on my understanding, my son is currently entitled to distributions. We are both beneficiaries under Georgia 's definition of beneficiary, as outlined in OCGA 53-12-2, and are entitled to information under OCGA 53-12-243.

I have made multiple requests to obtain a copy of the trust document and an accounting of the trust. Below is a summary of my attempts : XXXX. XX/XX/2024 : I made an initial request via a phone call with an admin who indicated she would send the information by mail. I did not receive anything. 

XXXX. XX/XX/2024 : I contacted the same person who informed me that in response to my request, the trustee had removed me from the account. I also spoke with the trustee that day, who confirmed she would follow up via email. She did not. 

XXXX. XX/XX/2024 : I reached out again via telephone to escalate my request. The person I spoke with promised to follow up with me by the end of the day. She did not. 

The lack of response and failure to provide the requested documents have caused significant frustration and concern regarding the management of the trust. I am seeking assistance to ensure that Bank of America fulfills its fiduciary duties and provides the requested documents promptly.