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

I received the following notification on XX/XX/XXXX : As we previously communicated to you, we applied a temporary credit* to your account during the week of XX/XX/XXXX for {$270.00}, and {$410.00} on the week of XX/XX/XXXX to help you have access to your stimulus payment since your account had a negative balance on the day before it was deposited. On XX/XX/XXXX, we will reverse the temporary credit and deduct the amount from your account. It is important that you prepare for the reversal of this temporary credit. 

Upon notification from Wells Fargo, I made multiple calls for an explanation for these unauthorized transactions. They could not even explain the when, what or why justifying this proposed action. After 6 exhausting calls to Wells Fargo Customer Service, I learned these aforementioned credits were given without my knowledge, prior authorization or request on XX/XX/XXXX and XX/XX/XXXX. 

I was never informed of this action. Nor was I ever advised or consented to the preconditions surrounding the proposed bank remedy. And when these funds would be withdrawn from my account. 

Now, with only a few days advanced noticed, I will have {$680.00} debited from my account without prior authorization or permission from me. 

I am a XXXX veteran living on XXXX, and on a strict fixed income and can not survive if these funds are withdrawn from my account without prior approval, permission, or any memorandum of understanding or agreement previously approved for Wells Fargo Financial to access my account at their will. 

In addition, the transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and the pending withdraw scheduled to occur on XX/XX/XXXX are all unauthorized transactions executed by Wells Fargo and never consented to. 

Lastly, two unrelated transactions are scheduled to be debited from my account on the same day 5 months later? This is not an ethical banking practice. And attempt to take these unauthorized funds at this time will have dire consequences for me. Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX Mortgage reported late payments on my consumer reports in XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX, XXXX, and XX/XX/XXXX. 

I never gave XXXX XXXX XXXX XXXX  written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 
This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Product: Debt collection

XXXX XXXX {$200.00} dont have no knowledge of these incorrect chargers thats reporting to my credit report I dont own this company anything..
Product: Payday loan, title loan, or personal loan

So, I've tried working with the original loan owners ( XXXX  ) and having them work with my XXXX XXXX, then filing with the XXXX and CFPB with XXXX. They weren't merely unhelpful, they were condescending and just awful. They've since sold this loan to a backwards, archaic to the point of feeling really sketchy company called SST, which I've heard is a debt collection company ( I think because they knew they were having problems collecting on their predatory loans ). I've tried to get this company to work with my XXXX XXXX XXXX, but I think they have even few people working in customer service. 

I got the so-called credit builder ( or I thought it built credit ) loan in XXXX where they gave me {$1500.00} ( I only wanted an outright loan, but they only gave me this option and tacked on {$2500.00} in " savings '' that I couldn't touch with the gouging interest rate of XXXX XXXX with a credit score of XXXX and an estimated income of around {$34000.00} gross income with a huge debt burden already ( I think it was {$8000.00} XXXX then maybe more ). Most personal loans were denied me. I don't understand why I was even offered this. It is predatory. Oh, and the payments were {$200.00} a month. A HUGE burden. I was trying to use this to pay off loans, to improve my situation. I thought that would increase my credit, and I could pay off this predatory loan with huge payments, the only way it would have been worth it. Instead my credit barely changed until recently ( but my debt burden is so high, I still only can get payday loans which are worse ). My debt increased a huge amount. I started having to take out cash advances, other small loans, and starting getting late on bills which I've never done before. I have since had to borrow $ XXXX from my mother with no end in sight to having to keep asking for money as well as constantly using my cash advances. Plus I've had help from family knowing I was struggling, so extra help besides that from my mom. I'd been managing ( tight, but without any help, any late bills, any cash advances ) my previous debt ok, but after I got the XXXX loan, it all snowballed and I was looking at what if I had to file bankruptcy until I found out about debt management programs and started one with XXXX ( which XXXX refused to work with after saying they would ) and which caused my credit cards to be closed. I've paid {$1600.00} to XXXX, I received {$1500.00} I've received to date from XXXX. I tried to get the new lender to work with my XXXX, but I've heard nothing for two weeks. Absolutely as uncaring and unwilling to work with me in any way as XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$400.00} Open Date XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These items are reporting late as reported in TRANSUNION. Lets correct this immediately. TRANSUNION is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( LATE/OPEN : 1. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} 2. XXXX XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on three occasions now to get LexisNexis to remove a bankruptcy they have listed on my profile.I have sent LexisNexis a written letter from the bankruptcy courts stating that they do not give out such information neither do they verify the accuracy of such records. I have proof that i sent my first letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX, XXXX.They responded without providing me any copy of any original documentation of their claim. I sent a second round of letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX. This time they did not respond at all to me within the thirty days nor after. When they failed to respond i sent them a thirty day non-response letter on XX/XX/XXXX which they received on XX/XX/XXXX. They again responded without providing me a copy of the original documentation which is required under the Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. They are also reporting addresses that i am not associated with that i will like to be removed.
Product: Mortgage

On XX/XX/XXXX I applied to refinance my home loan with Wells Fargo and was approved. Wells Fargo assured me that we would close on the loan before the end of the year. But the loan has still not closed. On Saturday, XX/XX/XXXX I received a letter from Wells Fargo saying that I requested my loan application be canceled. The letter states that our loan application is no longer active in their system. However, I did NOT request that my loan application be canceled and I still want to close on this loan. 
I would like this matter resolved in one of the following ways : The loan should be processed and closes at the APR in the original rate lock by the end of this month.

Or Wells Fargo returns the money I spent on a home inspection and reinstate access to my line of credit with Wells Fargo ASAP.
Product: Debt collection

While I was moving I lost my folder with my personals such as SSN and DL. As the account was opened fraudulently to an address I have never lived in. I have contacted the collection agency and tried to dispute the debt and at this point even set up arrangements to settle the debt for a lower amount just to get it off my credit report but the company refuses to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries being reported by Equifax, XXXX and XXXX were not authorized or with my consent. This is a clear violation under the FCRA sec 604. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions including 2 credit cards equalling XXXX that were charged double the limit by failed correct postings on accounts and then closed.
Product: Credit reporting or other personal consumer reports

My consumer credit account was give credit limit of {$9800.00} by Navy Federal Credit Union. at the end of the year a proper filing of my 1099-C was sent to the I.R.S and recorded. The account number for the banks administration is on the 1099C. However, they are still claiming I owe a debt to them. I have requested several time to assess the discharge delivered by the IRS administrative department. If I got my copy they certainly received theirs because the IRS does not make mistakes. Discharge of debt attached. 

Let us be clear on the establishment of these credit accounts : XXXX XXXX XXXX - Rules concerning extensions of credit. 

XXXX XXXX. XXXX- Powers and duties of banks or FI 's, on borrowing. 

XXXX XXXX XXXX - Truth In Lending Act XXXX XXXX XXXX Remittance XXXX XXXX XXXX - Criminal Procedure - Obligations on coupons for exchange dollar for dollar. 

This has also hindered my life liberty, and pursuit of happiness.
Product: Money transfer, virtual currency, or money service

I have been victim of banking fraud for both Wells Fargo and XXXX XXXX XXXX.

My bank is XXXX XXXX XXXX and other party is Wells Fargo. I made transfer via XXXX on XX/XX/2018 and it was accident to send wrong person and same day, I have contacted my bank to be protected and I also contact the other party who I sent wrong. He is very cooperative with me to return money. As of XX/XX/XXXX, he sent me letter from his bank that they have reversal and claim was closed and return money to my bank. I filed dispute with XXXX XXXX XXXX and the lady from XXXX XXXX XXXX   called me and said Wells Fargo which is his bank, said they refused to return money due to unauthorized and my money is forfeit. I was so mad since I have evidence that they reversal but XXXX XXXX XXXX does not want to return money and I have no where to go than go back to file another dispute and drag Wells Fargo in. Since the other party said he is volunteer to return and cooperative and my bank refused to talk to him and I dont know what else to do to get money bank when Wells Fargo had send back to me
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I paid XXXX as the payoff amount of the loan per an email I received from the company, PCI. Then XX/XX/XXXX I logged into the website to follow up from an invoice email I received from them. The website showed the " regular amount due '' but also showed the account balance in parentheses, which typically implies a credit balance. I called to clarify and was told that my account did have a credit balance and they would be requesting a refund. XX/XX/XXXX I called again because I no longer had access to the online account and was told that I did not have a credit due. In fact, XXXX the Manager on duty at the time, told me that there was a " few dollars '' remaining and the company likely just closed out the account out of a courtesy. I tried explaining my previous conversation with the representatives from his company and he was dismissive of the information. I have received my refund and a letter stating that my account is now satisfied. 
I am concerned that this company is not keeping accurate books for their clients. The way the statements read appears that there is still an amount due and that is misleading.
Product: Credit reporting or other personal consumer reports

A false hard inquiry was made on my credit report. XXXX  XXXX proved the inquiry was false and not me but it is still on all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Back on XX/XX/2024 I as reviewing my report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was, in fact, paid on time. I reached out to the company by mail in XX/XX/2024 and XX/XX/2024 and the information remains incorrect in my reports. 
The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report of XX/XX/2024 to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 
Please note that if this information can not be verified, I demand these payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal data was apart of several data breaches. My information is listed on the Dark Web. As a result of this, over 10 accounts with unpaid balances were opened in my name and have yet to be removed. I did not authorize any of these transactions. These are all fraudulent. I have been constantly getting harassed by debt collectors for debt that does not belong to me. Prior to me learning about credit reporting and consumer laws, I began paying on debt which does not belong to me.
Product: Debt collection

I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.
Product: Credit card

On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. 
I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. 
During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. 
When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! 
I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! 
To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!
Product: Credit reporting

XXXX has illegally received over XXXX inquiries of my personal credit file. Someone with the company told me they have a trigger on my credit file, every time I apply for credit they call me. Experian took the inquires of my file more than 5 times and they have been peeping again. XXXX, XXXX, and XXXX. Last time removed was XXXX this year, I was told they were blocking them for good. Was on vacation this summer, this problem delay a instant request for my line of credit. Also the last person called me was rude and scary. DO NOT OWE THEM
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized inquiry made by XXXX. I did not provide consent for this inquiry nor did I authorize any transactions with XXXX. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable. 
I have contacted XXXX directly to resolve this issue but have yet to receive any satisfactory response or resolution. I also requested documentation and proof of authorization for this inquiry, but none was provided.

Date of Unauthorized Inquiry : XX/XX/year> XXXX balance amount : {$2200.00} Violation of 15 U.S.C. 6802 ( XXXX XXXX ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like TransUnion, are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision.

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe XXXX violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of XXXX XXXX. XXXX ( Identity Theft and XXXX ) : XXXX XXXX. XXXX criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.