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

Chase Bank Charged me a XXXX service fee the day I opened the account for not meeting min needs. I had put the funds in their shortly after the account was brand new, this practice of XXXX a month continued, i emailed the bank and said XXXX is super high for min funds in account, but XXXX emailed me back and said nothing they can do about it and he won't refund all the {$12.00} a month charges, which one took my account to negative. I was surprised to see such predatory fee practices.
Product: Debt collection

XXXX  and Transunion are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED AMEX VIOLATIONS ATTACHED
Product: Debt collection

I contacted XXXX XXXX to purchase a new phone on their website. I was going to pay with my credit card and saw that they offered o % financing. They had also XXXX which I have used before. XXXX had a small fee. However, it looked like XXXX had its own financing. I clicked on their financing and that was XXXXXXXX XXXX  a month. I thought I was set up for auto-pay. I had not received any information from XXXX for a couple of months. I tried to find their number on their site. I could not find it. I called XXXX and they told me they do not do financing. It turns out the company was XXXX XXXX. I called up XXXX XXXX and got TD bank to my XXXX. A young lady answered I told her I had autopay. I only received a bill with a late payment from XXXX XXXX I tried to pay my bill with my debit card but was told I could only use my account. The young lady took my information and waived my late fee. She told me I had a TD Account which I did not sign up for. Their Collections dept. canceled the payment and charged me a return check fee and more late fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent a domestic wire of {$100000.00} to my daughters ' account who banks with her bank. The routing number was to her " XXXX XXXX '' Account instead of her XXXX  account routing number. Her bank has ignored my bank 's SWIFT Messaging for return of those funds from XX/XX/2022, XX/XX/2022 and XX/XX/2022. They have also ignored Traces. There have been no responses from her bank at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened XXXX XXXX, 2017 Balance {$50000.00}
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  XXXX XXXX  account # XXXX and verison account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have a 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the dismissal of my request to correct inaccurate information in my TransUnion credit file. According to Section 611 of the Fair Credit Reporting Act, TransUnion must lawfully reinvestigate disputed items if a consumer directly requests it. 

However, instead of honoring my consumer right under federal law, you sent a form letter implying I did not properly submit my dispute. This violates the FCRA, as confirmed by the 7th Circuit Court 's Gillespie v. Equifax decision. I submitted my dispute to TransUnion directly, so you must address it. 

Additionally, TransUnion failed to provide written results of a reinvestigation within 5 business days, violating Section 1681i ( a ) ( 6 ). You also left unverified, disputed information in my file rather than deleting it as mandated by Section 1681i ( a ) ( 7 ). 

I expect TransUnion to now conduct a lawful reinvestigation into the inaccurate information I disputed, including verifying disputed accounts directly with the source as required. If you can not verify the disputed accounts, they must be deleted from my file. 

If TransUnion continues to disregard my rights under federal law, I will pursue legal action citing willful noncompliance with FCRA requirements. I have attached supporting documents. Please ensure TransUnion complies with FCRA reinvestigation rules to resolve this dispute. 

Thank you, XXXX XXXX
Product: Debt collection

As the victim of identity theft, I have taken the necessary steps to rectify the situation and restore the accuracy of my credit history. I question the validity of the verification process conducted by your bureau, especially when the other bureaus were able to identify and confirm the fraudulent nature of the accounts in question. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
As the victim of identity theft, I am entitled to accurate and fair reporting, as mandated by the law. The disparity between the responses of your bureau and other credit reporting agencies raises serious questions about compliance with legal requirements.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires the deletion of incorrect accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the reported amounts and dates for some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on XXXX/XXXX/17 obtained a copy of my credit report without my consenting. I want this off my credit report.
Product: Checking or savings account

Our business checking account was compromised from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  we set up XXXX XXXX with TD Bank. The bank reimbursed us in XX/XX/XXXX. There was one more attempt in XXXX, but again the bank reimbursed us right away. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch in XXXX, that someone is trying to cash a check for {$28000.00}. An alert came up for them through their system and they called me. I instructed them to not cash the check and to arrest the person trying to deposit it, but the person has already left the building. 

A few hours later, the check was cashed at the XXXX XXXX location. The check didn't even have our business name on it, only the account number matched. I was told we will be reimbursed within 24 hours I have filed complaints with the DA 's office when we were originally compromised and I will update them on the latest development. However, I feel the bank is not doing their due diligence. I am paying for XXXX XXXX  yet the bank keeps on cashing checks.
Product: Debt collection

Back last year in XX/XX/2021 i had a minor accident were i hit another car with minor damage.So after about a month i was contacted about the damages.And then a month after i got a call from WILBER GROUP. stating that i owed XXXX dont know the exact amount. and then w.g contacted me and stated that they would take my licenses away and upon that they said they needed 50 % upfront so i let them know i couldnt afford to pay them the amount. So i started off paying XXXX per month to them. And then couple months later my license was suspended. Which then for about 3months i had no licenses. Then i agreed to give them {$200.00} a month until my financial situation changed i called too change my payment amount & they told me i couldnt that they have already waived some things. They was calling my phone late night XXXX XXXX sometimes later! Very rude & demanding people they talk over you while youre talking.
Product: Debt collection

updated information please see attached letter. 
also included are summary of complaints from others in regards to this company erroneous collection and negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Product: Vehicle loan or lease

Remove this account from my credit report this account was opened in a FRAUDULENT THANKS
Product: Consumer Loan

I had an auto loan with Santander. I was unable to continue the XXXX a monthfor the car, after three years, I voluntarily surrendered the vehicle in 2012. 
Santander has now placed a negative report on my credit saying I owe XXXX
Product: Debt collection

The debt collector Resurgent Receivables has an outstanding debt on my credit report with increasing interest accrual however I never received notification of debt from them, right to dispute from them, or any communications from this debt collector. My email has stayed the same since the original creditor has emailed me, so I know that they have my contact information. This seems like a shady attempt to wrack my debt up until its highly profitable for them.
Product: Checking or savings account

On XXXX XXXX I disputed a charge that appeared on my statement for XXXX. I didn't authorize the charge and I cancelled my debit card. I was satisfied that Bank of America would investigate the company and return the funds to my account. The " company '', XXXX XXXX XXXX, does not exist and there is no phone number to reach them. My efforts to reach them failed. .I recieved a letter from Bank of America on XX/XX/XXXX, letting me know that the credit originally issued was being reversed, along with a XXXX page letter assumed to support their decision. These exhibits, which do not suggest any communication with the merchant simply detail my name, address, the last XXXX numerals of my cancelled debit card. I spoke to the branch manager where I bank and he agreed with me that without identifying and speaking to the merchant a credit should be issued. However when he spoke to the fraud dept he was told once a decision is reached no further action can be taken. This is why I'm asking for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently the was some type of dispute that I did not initiate having to do with my XXXX XXXX platinum credit card. I have had several dates told to me by XXXX XXXX Supervisors. Back in XX/XX/2020 a dispute that lasted 7 months long lead to my credit card being deleted from Experian completely. Then it was back in XX/XX/2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with XXXX XXXX. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my FICO score drop like 40 points back in XX/XX/2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from Experian. Just like the card never existed. I have 2 XXXX XXXX credit cards and seeing disputes even on XXXX  that I did not initiate. The card is being reported on XX/XX/XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.
Product: Money transfer, virtual currency, or money service

I closed my Albert app ( company ) account last XXXX, but the app maintained a nominal {$5.00}, or so, and thus remained active without my knowledge. Suddenly, without warning, in XXXX the app started pulling money from my bank account through ACH transfers. I tried to stop the transfers, but the app refused to let me access this function. To fix this the company asked for my bank account statements and photo ID to verify my identity, which I reluctantly did. I do not have active business with this company ( they've been silent since XXXX ) so I didn't want to resend this same information I sent them last XXXX. After all, if they lost it then, how do I know how secure my info really is? The app shows I have {$25.00} in cash and {$5.00} in savings. All I want to do is close the account, but they refuse to let me. I verified my bank account and ID. They acknowledged it was good and confirmed that I have access to the money, but the app still won't let me close the account. It says the balance must be XXXX first. It won't let me transfer the {$30.00} to my bank unless I verify my identity again and again. I am told to send my photo ID for every task I want to perform and the tasks fail anyway. Each time I complain that the app isn't working they ask for my ID again. They have already attempted to steal {$65.00}, then {$62.00} and then {$65.00} from my bank account, but my bank was successful in getting my money back. All I want is to close this account/app out as they told me they would in XXXX and have them delete my personal bank information. They simply refuse and they continue to harass my bank. Please help me close this down. All communication has been by text, so I have no transcripts. Their phone number is disconnected, so this company appears to be shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}
Product: Debt collection

I received a notice on my credit alerts that a collection was filed on me in XXXX of XXXX in the amount of {$130.00}. As I always try to protect my credit and am a very busy person i just called and paid the {$130.00}, not knowing it would affect my credit. I am currently in the process of buying a new home and have found out that this collection is drastically affecting my credit score and the debt is actually not mine. I called ProCollect today and the collection is actually associated with my ex-wife 's address ( XXXX XXXX XXXX XXXX XXXX Tx XXXX ). Had I known at the time that it would affect my credit so much or that it was actually my ex-wife 's debt not mine ( see attached divorce decree ) as she was awarded the home in XXXX of XXXX and the collection is from XXXX of XXXX and it hit my credit report in XXXX of XXXX, I would not have paid the small bill. 

Below is the a copy of the collection from my credit report, this is drastically affecting my credit score for a debt that I actually didn't owe ( but did pay to save myself time and because my business keeps me very busy ) and now could cost me thousands in finances costs to purchase a new home. I request that the collection be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my free annual credit report from Equifax. 
I tired their online system, but there is a point at which it sends an email with a one-time verification code. The email arrived, but there was just a blank space where the code should be. I will attach a screenshot of the email so you can see there is no verification code in it. 
I tried getting by their phone system. The Equifax operator I spoke to had me open a mobile app that takes pictures of my driver 's license and my face. The app took pictures of my driver 's license, but it would not take a picture of my face. 
I tried their mail system. I got no response at all. 

Please make EQUIFAX send me my credit report.
Product: Checking or savings account

On XX/XX/23 at XXXX an ATM withdraw was attempted. 
At this time with eye witnesses no money or transaction receipt was dispensed At the time of the failed transaction, a call was immediately executed to report the problem to my banking institute. 

My account was frozen at this time pending further investigation My banking institute posted the funds completed on XX/XX/23 from the Merchant XXXX XXXX XXXX as completed transaction. 

A week later, my banking institute Wells Fargo provided me a provisional credit was given. 

Upon completion of my case, the banking institute denied my claim and reclaimed their provisionary money back without sufficient evidence to sustain the vendors transaction. 

We called our bank Wells Fargo to obtain written proof of their findings. 

Upon review of their findings, they provided computer a transaction report that was faulty as there was no money or ticket that came out from the Machine. We offered eye witness evidence, but the bank failed to take their reports. The reports obtained were not sufficient to have denied the loss of our funds. 

We again pursued to keep filing more grievances and they have gone denied. 

We are in search of again reopening and re investigating the case. 

We pointed out, that in accordance with our immediate calls at the time of the incident along with eye witnesses the machine may have printed out a false receipt to the vendor allowing them to fraudulently report their findings. 
The receipt from the investigation department did not provide video evidence of a video of a completed transaction. 
Without video verification and using a faulty machine, how can the vendor conclude their findings without their depository receipts. 

If the machine worked properly, my banking institutions flags would not have gone unnoticed. My daily limit would have been reached. Again, this faulty or fraudulent machine from the vendor which must be investigated. 

i will need to continue to pursue losses and file additional grievances in pursuit of loss and distress why would Banking Intuition Wells Fargo not ask for proof of video verification and the their daily receipts from the ATM Machine. 

Note : with the location of the atm machine, there was clear video on site. why was this not taken into consideration nor provided by the vendor. 

Wells Fargo failed to fully investigate on our behalf and failed to provide in a timely manner the full spectrum of their investigation department. if they would have done so, video evidence would have been received immediately within the area of security where the machines were located
Product: Credit card

I have applied for an American Express card and been denied multiple times. I have an excellent credit score over XXXX, no revolving debt, own a home, and have a steady job since XXXX with verified income over {$350000.00}. I was told I was denied because I had an account cancelled in Bankruptcy back in XXXX ( Chapter XXXX, XXXX XXXX XXXX XXXX XXXX Illinois ). My bankruptcy was due to a bad divorce to protect our assets during the housing crash and financial recession of XXXX while I was in the XXXX. Since the day of that bankruptcy I have carried no revolving debt and never missed a payment. I was told by the judge that this bankruptcy would affect my credit for no less than XXXX years and no more than XXXX, depending on the credit issuer. American Express is maintaining my name on a Blacklist ( their words ) and will only be cleared if I pay back the {$19000.00} that was XXXX by the court in XXXX. XXXX pretty sure that what they are doing is not legal per federal bankruptcy law and are trying to find a way to continue to hold this against me and collect on this XXXX debt after 16 years. My credit report and employment history are in the top 5 %, and if they are doing this to me, XXXX certain they are doing it to many others. Ref # XXXX is the case number AMEX provided. I ask for your intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 that he did not authorize with TD Bank/Nordstrom. He contacted TD Bank/Nordstrom of this issue when it occurred and was told the inquiry would not be reported however upon review of the credit report the inquiry was found. An official dispute of this item was mailed to TD Bank/Nordstrom XX/XX/2018 ; as of this date TD Bank/Norstrom has failed to reply as in their obligation under FCRA. This is a violation of my client 's consumer rights.
Product: Credit card or prepaid card

I cancelled my Citi XXXX in early XX/XX/2020 card but did not received my pro-rated annual fee refund. At the time of the original phone call inquiring about closing the card, I was told I would be receiving a pro-rated refund for my annual fee when I call Citibank in early XX/XX/2020. In subsequent follow ups via chat after closing the card I was also told I would be receiving a prorated fee refund. However I never received the prorated fee refund ( which was told to me to be just under {$400.00} ), and when I tried calling to follow up Citi claimed they no longer do prorated fee refunds. I am requesting that Citi honor it's original policy and what was explained on the phone that I would be receiving the prorated refund.