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

Recently a credit card payment was automatically debited from my Wells Fargo checking account as per my credit card auto pay schedule. However, I didn't have enough money in my Wells Fargo checking account, which I wasn't aware of. 

As soon as I received an email from Wells Fargo informing me of this overdraft, I moved money from a savings account into my Wells Fargo checking account to cover the amount of the overdraft. This process is instant, and the money hit my WF account within an hour after receiving notice that my account was overdrawn. 

However, Wells Fargo charged me an overdraft fee, even though their policy is a one day grace period. When I called Wells Fargo, they claimed that the overdraft fee is calculated from moment the account is overdrawn, not from the when the notification of overdraft is sent.

I think this policy is deceptive and unfair. If Wells Fargo wants to claim they give a one day grace period to put sufficient funds into the account, that period should start when the customer is informed that their account is overdrawn. It is not hard for them to automate a system to immediately email or notify me when my account is overdrawn. I do not control when bank actions, debits etc, are processed, so it's incredibly onerous to expect me or any consumer to constantly check their account to see if a transaction went through and thus there was an overdraft and the overdraft fee clock has started. This is in fact not a one day grace period and seems to be just another gotcha to collect unfair junk fees from consumers.
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. 



The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights. I am attaching proof of my real address by way of my state issued drivers license XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1988 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX Fair resolutions Delete ALL accounts immediately Delete ALL addresses immediately Delete any alias immediately DELETE All Inquires Immediately
Product: Student loan

I signed up with Ameritech Financial to help with loan forgiveness. XX/XX/2017 the first payment of XXXX was drafted from my account. There has been XXXX drafted every month since then. 

I also signed up with student loan services that drafted XXXX every month since that time as well. 

I received a letter from the Federal Trade Commission stating that there was a lawsuit with Ameritech Financial and that I should cancel my account with them. I emailed Ameritech Financial on XX/XX/XXXX regarding the lawsuit and inquiring about cancelling my account. 

I will be calling my financial institution as well to put a hold on the withdrawals from Ameritech Financial as well as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mines is the result of identity theft.
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX card was switched over to a new company, Marcus by Goldman Sachs. This switch was without my consent or knowledge, this was XX/XX/XXXX. I called the number on the back of my XXXX XXXXXXXX card and was transferred to Marcus by Goldman Sachs. I asked them to deactivate my card, because I did not want to use the card but I did not want to close the account and hurt my credit. I informed them that this was my online shopping card attached to many different accounts like XXXX, XXXX, XXXXXXXX XXXX, any place that takes money monthly or anything you have to attach a card to, i attached this {$300.00} limit card from XXXX XXXX that i had for 6 years. So as I went to login to my things, and it was on this card i would change the card. I was unaware that closing a {$300.00} credit limit would not hurt my credit at the time ( I found that out in new research this month, so the account is now closed ) but going back to XX/XX/XXXX, they were supposed to deactivate it. Then a charge went through for {$1.00}, after receiving that bill I paid the card off and asked them to be sure this time the card was turned off. Two more times purchases went through on this card, I did not want to place my checking account number with a credit card I had never heard of. The lady on the phone told me to dispute the charge of {$21.00} since the card was supposed to be deactivated. So I did as she informed me, and put a dispute in. The credit card company says their records say I called back in and cancelled the dispute. I never did that, and so now 2 late fees have tacked on to the bill. So I then did research about closing the account since I am having so much trouble, so on XX/XX/XXXX I called in and made the {$21.00} payment and closed the card for good, they sent the late fees to dispute since I shouldnt be responsible for those. They are now saying after looking at the dispute they are not taking these fees off. So I am wanting to file this as scam or fraud. I believe they are scamming me for late fees, I called in numerous times to stop this card. Charges that went through on this card, they should have been declined if the card was deactivated. The company says there is no record of me requesting that, then they cancelled my dispute and said it was claimed by customer, it was not. I called to make payment and she suggested I dispute. If I had paid the {$21.00} charge when I called in, it would have never gained interest and late fees. Marcus by Goldman Sachs told me there is no number or anything they can give me, no higher manager to send me to. I am not late on credit card payments, this has dropped my score XXXX points and I work hard to keep up with my bills. I am wondering if there is anything I can do other than pay {$62.00} to that credit card company that is scamming me. Thank you so much for you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have an adjustable rate mortgage that has been sold to or purchased by XXXX XXXX XXXX   XXXX took over my loan in late XXXX. Thus far there has been irregularities for 7 of the 8 months they have held the loan. Payments in XXXX XXXX we placed in a reserve account instead of being placed towards the loan because they claim that we were not paying enough each month. The loan has been set up on an automatic draft since XX/XX/XXXX. When I discovered the issue in XXXX, it took about 2 days to get the information corrected, the money placed in the appropriate place, and the draft corrected. We were told there would be not late payments. The issue occurred because we were not issued a rate change letter for our ARM, and to this date we still do not have that letter. I was told the new payment would be {$370.00}. and some change. In XXXX, 2 months late charges appeared the account. I again called customer service and was told it was an error and would be corrected. In XXXX, a larger payment than we were told was drafted from my checking account. When we called we were again told that there was a computer issue and it would be corrected. I again requested a copy of the rate increase notice. I also requested a payoff as I have decided to refinance. On the payoff, it notes that my current interest rate is 5.125 %. On my XXXX statement, my interest rate is now 5.250 %. The second change this year. This is in violation of my ARM which states one interest rate change per year beginning at the XXXX mortgage payment. I will be closing with a new finance company on XX/XX/XXXX.
Product: Debt collection

After carefully checking my latest credit report, I identified several accounts that I consider incorrect and added without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 601 section 602. States I have the right to Privacy. 15 USC 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX manipulated the amount of a transaction to coincide with a particular number used to intimidate and manipulate, and coerce me. ( Tort of Deceit ). 
See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on Equifax and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding the account that appears on my credit reports. The details of the account in question are as follows : Account Name : RESURGENT/LVNV FUNDING Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$270.00} past due as of XX/XX/XXXX. 
Balance : {$270.00} XXXX XXXX : XXXX XXXX
Product: Debt collection

This account keeps surfacing on my credit report. I have no knowledge of this account and I am a victim of identity theft. 

Account : Bank of America {$810.00}
Product: Credit reporting or other personal consumer reports

I have accounts on my credit profile due to a data breach that are showing as charged off but I never received a 1099 from said creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX CO XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX-XXXX {$1900.00} not mine XXXX XXXX XXXX XXXX-XXXX {$850.00} not mine XXXX XXXX XXXX XXXX-XXXX {$850.00} not mine PUBLIC RECORDS US DIST CT BKPT XXXX not mine US DIST CT BKPT XXXX not mine US DIST CT BKPT XXXX not mine
Product: Credit reporting or other personal consumer reports

Collection accounts were reported on all three of my credit report incorrectly. The original service providers have notified the collection companies the account is closed and should not be collected and it is still showing up on my credit report. 


Account number XXXX XXXX XXXX XXXX {$1600.00} Account number XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX XXXX XXXX XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The amounts were for XXXX $ for captiol one and XXXX for XXXX during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay Experian every month to help to increase my credit score and it never moves. I don't see any improvement and or increase with my fico score and it's extremely strange to me because I pay everything on time. I need to see better progress as far as a higher fico and accuracy in reporting my activities
Product: Credit reporting or other personal consumer reports

To Whom this may concern, this account has been removed by you guys before, and is now back under another name I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

XXXX XXXX XXXX ( XXXX ) {$650.00} I have my police report attached, and the FTC id theft report attached.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit card

About two years ago, I attempted to move from my small townhouse with my XXXX children. The mortgage lender asked how was my credit. Since I knew I had no negative information on my report so I replied great. My mortgage lender pulled a copy of my credit report. As we reviewed the reports I was in total shock. Navy Federal Credit Union LLC was reporting a completely false debt which was causing a denial of the loan. We 've been struggling for the past 3 years to improve life for our family and give our kids a stable home just to give it all. I knew the account was not mine so I wrote my first dispute to Navy Federal Credit Union 120 days ago stating that I may be an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored so 90 days ago, I wrote another request and I even attempted to get a police report. Turns out you can not get a report if the incident occurred more than 12 months ago but I still tried. Then, approximately 45 days later I received a letter from them stating that they find the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated that the account was not mine and added in that this was my 3rd attempt and that they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft they again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???
Product: Debt collection

From filings with fraudulent documents to todays date, XXXX XXXX  XXXX refused to respond to verifiable claims of fraud. 

XXXX and XXXX attorneys suppressed evidence of fraud and evaded discovery or the disclosure of hundreds of pages of pleadings, which were entered for defense of the sole owner XXXX XXXX, victim of identity theft, fraud and targeted aggravated identity theft property financial crimes repeatedly committed by the borrower despite injunctions and other evidence of reported racketeering, plus XXXX fraud, using property as fraudulent asset borrower, dependent on opioids was ordered from any possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

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 instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my XXXX.
Product: Credit card or prepaid card

COMENITY BANK IS THE ISSUERER FOR THREE ACCOUNTS THAT I RECENTLY PAID OUT THE PREVIOUS BALANCES BEFORE THE DUE DATES. 
STAGE IS ONE OF THESE ACCOUNTS AND IS NO LONGER IN BUSINESS NOT EVEN ONLINE! 
COMENITY HAS CONVENIENTLY CREATED A BALANCE FOR EACH ACCOUNT BY DEMANDING AN UNJUSTIFIABLE RETURN FEE OF {$29.00} DOLLARS, AND BY MASKING THE FEE AS A PURCHASE ALONG WITH AN INTEREST CHARGE! 
HOW UNDERHANDED! 
WHEN I LEARNED THAT MY PAYMENTS HAD BEEN RETURNED DUE TO A, " STALE CHECK, '' ( PLEASE SEE COPY ) I IMMEDIATELY NOTIFIED XXXXXXXX XXXX  XXXX XXXX XXXX, AND XXXX. I ALSO MADE DUPLICATE PAYMENTS FROM ANOTHER ACCOUNT TO OFFSET THE RETURNED PAYMENTS. 
I SIMPLY WANT ALL THREE ACCOUNTS TO BE REPORTED ACCURATELY WITH XXXX BALANCES.