23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I paid off my car loan in full on XX/XX/2021 in person at a branch. My account was closed on XX/XX/2021 and I was unable to login to the system since my loan was paid in full. Wells Fargo continued to withdraw {$1000.00} from my bank account on XX/XX/2021 via an autopay setting that I had setup. I could not disable autopay since my account closed since it was paid in full. I called Wells Fargo to ask why they withdrew the {$1000.00} autopay amount when my account was already paid in full. The person said that it would be refunded to me in XXXX days via bank transfer. 

Two weeks pass and I still do not have my {$1000.00} refund from Wells Fargo. I call them again and ask where is my refund and they tell me it there was an issue with my account that since I paid in full and am not a customer that they couldnt refund via bank transfer and that they could only mail me a check which was sent out XX/XX/2021. I did not receive the check until XX/XX/2021. 

Wells Fargo should be held accountable for over drafting my account and pay me interest for the time they were holding my money. I was lucky that I did not need the {$1000.00} at the time, but what if I did? I would be out of luck and overdrafting because of Wells Fargos poor internal controls. A bank can charge customers overdraft fees, but customers cant charge banks for their mistakes,
Product: Credit card

Citibank has closed my account because I have disputed a transaction of a service that they promptly issued a credit for even indicating that they appreciate my business. Yet, a couple of weeks later, my account was closed and all my rewards associated with it were voided. In addition to this, I stopped being able to see my statements online and the Executive Office associate I spoke with told me I would start receiving them in paper format from now on. No statements have ever since been received since account closure. I have been receiving calls from this lender at XXXX inquiring why I am not making my payments, when I have contacted Citibank multiple times requesting the adjustment of the balance so I make my payment in full. This includes the removal of the late fees, interest and finance charges for the reason stated above and requesting the honoring of the rewards that were voided by them and not me. Otherwise, no more payments will be done on this account and a lawsuit against these abusive and predatory lending practices will follow. I would also like to add that when I first became aware of the account closure, I repeatedly contacted this lender explaining to them my concerns and even speaking to a representative in the collections department who told me they could only act on rectifying my concerns on the account balance if I defaulted on my payments. Yet, nothing is being done to help with my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint to Experian about a data furnisher would never responded to my original dispute. In the complaint I detailed the event and also explained how Experian had been in violation of FCRA code for allowing an account to remain on my report that had inaccuracies. The account I disputed showed an updated status date of XXXX, when in fact, my dispute letter went out to XXXX  in XXXX of XXXX. XXXX  responded with a general message, saying that they would conduct further investigation and contact the original data furnisher about the case. Shortly after receiving their updated response through the CFPB portal, I received an email from Experian saying that my dispute results were ready. From my understanding, Experian did not in fact re investigate my situation, ( another violation grounds for automatic deletion ). They simply updated the status to XX/XX/XXXX. I'm furious as to how things like this are acceptable within this industry. How is this company allowed to control such things that directly affect the livelihood of consumers? I want the XXXX XXXX information deleted from my account for lack of proper investigation on a dispute by Experian, & failure to respond to a dispute within 30 days by XXXX.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 1 ) XXXX XXXX XXXX : ACCOUNT # XXXX. 2 ) XXXX XXXX XXXX : account # XXXXTHIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Checking or savings account

I am writing to urgently request your assistance in investigating a series of fraudulent charges made to my account. These transactions took place on XX/XX/year>, and XX/XX/year>, with a merchant listed as " XXXX '' located in XXXX XXXX, XXXX. I did not authorize any of these charges and am deeply concerned about the security of my financial information. 

Here are the details of the unauthorized charges : Date : XX/XX/year> Amount : - {$570.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$570.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$74.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$570.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$74.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$63.00} Merchant : XXXX XXXX  These charges are significant and were not authorized by me. I contacted SoFi, my financial institution, regarding these fraudulent transactions, but they informed me that they would not take any action to resolve this issue. This has left me in a very difficult position, as I am now facing substantial financial loss and distress without any support from my bank. 

Given the refusal of SoFi to assist, I urgently need the CFPBs intervention to investigate these fraudulent charges and ensure that such activities are properly addressed. I am willing to provide any additional information or documentation required to support your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a resolution soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/XXXX a derogatory collection account from Plaza Services in the amount of {$400.00} was placed on my credit report with the original creditor listed as XXXX XXXX. Plaza Services reported that this account was opened in XX/XX/XXXX. I tried contacting them as I have no knowledge of this account and have no signed documents or contract between Plaza Services and myself. This listed account is negatively reporting on my credit report without my consent which according to the laws set forth by the FCRA is against the law. I would like any and all documentation provided to me from the agency Plaza Services that they feel gives them the right to report this information to all three credit bureaus. Unless these documents can be provided this account needs to be removed from my credit report immediately and not allowed to be reinserted at a later date.
Product: Debt collection

I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Loan Application Number : XXXX received letter that I had applied for an auto loan but was denied. At NO TIME had I applied for a loan. I tried resolving this with XXXX XXXX on XX/XX/2020 but they stated they could do nothing and the application was correct.

The letter also incorrectly reported my credit score.
Product: Student loan

I was granted a forbearance of my student loan with Navient in XX/XX/2015 after receiving an email about my account being past due for XXXX, XXXX, XXXX, and XXXX of that same year. They had sent me an email to reply " yes '' to a forbearance and that is what I did. That email stated that this would bring my account current. 

My approval email stated my forbearance request was approved and that payments were to resume on XX/XX/2015. My credit reports from all 3 bureaus are still showing 90 and 120 days late for those 4 months. I would like these late payments deleted from all 3 reports because this is a violation as per the FTC Advisory Opinion on Section 623 ( a ) ( 2 ) of the FCRA. I have been in several forbearance periods on this same loan since then and the payment history IS being reported accurately on those so far.
Product: Credit reporting or other personal consumer reports

Unfortunately in XXXX until XXXX of 2023 on XXXX, XXXX & XXXX I was 30, 60 and 90 days late. I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was dealing with my mother death from XXXX which I had to move back to my home state while trying to balance being a single parent of a XXXX & XXXX year old, while taking night classes to fulfill one of my long standing career goals of gaining my college degree. Now that Ive found a prosperous balance in my life, I honestly can not associate with the person that let this payment obligation go unattended. I fully respect my obligations with Navy Federal Credit Union & have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully paid off my account since my unfortunate circumstances. 


Ive recently begun searching for a new financially rewarding career in business, & it has come to my attention that because of my late payments with Navy Federal Credit Union, Im being rejected careers in my field. As you may know, FICO scores are being used more & more in the selection of prospective job applicants. 


In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by removing the LATE PAYMENTS that are reporting with XXXX, XXXX, & XXXX. I sincerely hope that Navy Federal Credit Union believes in their customers & I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time & look forward to receiving a favorable decision from your department soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, BankruptcyXXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXXXXXX XXXX VA XXXX, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Referencenumber : XXXX Court : US DIST CT, XXXX  XXXX bankruptcy discharged Filed on XXXX XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

My chase banking account is attached to my cash app account and I transfer money back and forth all the time. One time I lost my cash app card and was told I would receive a new card in the mail but in the mean time I would not be able to use a physical card since I dont have one. Thats understandable, until 364 days later I still have not received my card Ive lived in this house for almost 10 years and actually have had a previous cash app card sent to me in the past so cash app DOES have my address on file. I have not received my card and its a huge inconvenience but the main reason why Im here is because there has been a few times where I need to transfer money to my XXXX  XXXX account because clearly I need cash money. But cash app and XXXX are holding my money and not allowing my funds to be present, hence causing over draft fees in my chase account since money was held. This is a huge inconvenience and lack of effort on both parties as one of their consumers. And this also takes a toll on my income this makes me want to reconsider even using these banks and apps in the future.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX my daughter tried to make a purchase with her cashapp but it said declined for your protection she tried to call to find out why cause she had {$100.00} in there from her birthday. They told her a special team is looking into it but I would have to call as I am the sponsor on her account, I called to find out what is going on and they told me what they told my daughter they said I should receive an email. So I waited on XXXX XXXX her school financial aid was direct deposited and on XX/XX/XXXX her paycheck was deposited she attempted to transfer her funds to her new bank account but it was declined, from XX/XX/XXXX to XX/XX/XXXX I called everyday to get them to release her money I even spoke to a supervisor and again I got the same response on every phone call a special team is handling the issue and I will receive an email it is now XX/XX/XXXX and my daughter still has no access to her paycheck or her financial aid money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent a question letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize, please delete these inquiries
Product: Checking or savings account

I STARTED A DISPUTE UNDER REGULATION E. I HAVE A CLAIM THAT WAS DENIED FROM WELLS FARGO BECAUSE I HAD SEVERAL CLAIMS FROM THE SAME MECHANT. I USED MY DEBIT CARD SEVERAL TIMES TO THE MECHANT TO PAY THE FULL AMOUNT. AFTER DUE TO 2 HURRICANES IN FLORIDA AND A SEVERE FLOOD. THE WAREHOUSE WERE THE MATERIALS WERE AND THE MACHINES WERE DESTROYED. I CALL THE MECHANT AND EMAILED. THEY TOLD BE DUE TO THE HURRICANE THEY CAN'T FINISH THE ORDER AND SAID THEY WOULD NOT CHALLENGE THE DISPUTE AND WOULD REFUND ME. I SEND THE EMAIL TO SHOW THE MERCHANT WOULD NOT FIGHT THE DISPUTE. MY BANK SAID YOU HAVE TO DEAL WITH THE MECHANT DIRECLTY BEACUSE THE MECHANT USES XXXX A 3RD PARTY. I CHIPPED MY CARD AT THE STORE. I DONT CARE WHAT 3RD PARTY ANY MERCHANT USES. I NEVER RECIEVED THE GOODS OR SERVICES. I NEED WELLS FARGO TO FILE THE DISPUTE CORRECTY AND REACH OUT TO THE MERCHANT. I CALLED THE MERCHANT AND THEY SAID WELLS FARGO NEVER EVEN STARTED A CLAIM. THE MERCHANT SAID HE REFUNDED ME. I CAN SEND ATTACHEMNET FROM THE EMAILS FROM THE COMPANY AND THE REFUND RECIEPT. I FELL UNDER REGULATION E WELLS FARGO IS NOT DOPING THE CORRECT JOB AND PROTECTING THEIR CUSTOMERS. ALL I KNOW IS I NEVER RECIEVED THE MERCHANDISE AND I SHOULD BE COVERD UNDER REGULATION E. 

MY CLAIM NUMBERS WITH WELLS FARGO IS # XXXX XXXX CLAIM NUMBER IS # XXXX MERCHANT NAME XXXX XXXX INVESTMENT CLAIM AMOUNTS - {$4600.00}, {$4500.00}. 
TRANSACTIONS DATE - XX/XX/year>, XX/XX/year> DISPUTE DATES- XX/XX/year>, XX/XX/year>
Product: Mortgage

Wells Fargo foreclosed on our home XX/XX/2016 after 3 years back and forth with our attorney and we were in a loan modification at the time, that they told us had to be redone. They suddenly foreclosed, no notification to us. I was advised XXXX day when I called for a weekly follow up
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section XXXX A, States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Debt collection

I am on XXXX and I only get so much money a month, I was doing very good with all of My Accounts until My Daughter and Grandchildren had to move in with Me and she had no job and was not getting child support, Adding XXXX people to a XXXX Person income hardly leaves XXXX cents left till the next month ... I have explained this to every Creditor I have and cut up every credit card I have.. I am not saying it was not my debt but if you do n't have it then you do n't have it .. Some months I can buy all my Medicine, other months I can only buy the ones to control my pain .. I Live on Yogurt and Dried Cereal 99 % of the time ... I know there are XXXX liens on my credit history and Midland Group just won a {$1300.00} + Court Costs and I talked to XXXX of the Attorneys the day after I was Served with a Subpoena and was told that if I did n't show up that the case would just remain open, NOT A Judgement for Default for not appearing .. I have a very hard time getting around and spend all of my time in bed because it is the most comfortable for my body, I leave My House every 3 months and that is to see my Dr. My Meds are even Delivered by the XXXX In XXXX XXXX That is the ONLY time I leave my home .. My Meds are very strong and I do n't like to drive to much on them and I have become a XXXX on top of the rest of the above ... I have lost my will to care about Myself and Yes I do Stress about Owing Money to Others ... I feel like a failure of the biggest kind, but as a Mother and Grandmother, I can not allow them to suffer or be homeless. I am terribly Embarrassed and feel Completely Dishonorable.. I ask that you find a way to forgive Me and My Debt in all cases .. Most Humbly and Embarrassed ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had unemployment in XXXX at which time I was issued a card. My unemployment ended sometime in XXXX and I discarded the prepaid card as it was no longer useable. The company US Bank then began depositing money back on the card due to my unemployment as a result of the pandemic. I have tried repeatedly to contact US Bank to report a lost card and order a new one. I have sat on hold for hours at a time. At the 3 hour mark their phone system automatically disconnects. I have called US Bank branches for help, I have contacted them on XXXX  and the representatives I talk to refer me to the phone number that is a dead end. I have been waiting on a new card for a month and a half. My credit score is being destroyed because I can not access the funds to pay my bills. This is greatly affecting my livelihood.