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

This month, Wells Fargo has notified me that they will be changing the MSF structure to their " Everyday Checking '' accounts. Basically, a method of using 10 or more posted Debit card transactions will be removed as a means to waive the $ XXXX  monthly service fee. The only alternative is to have a {$500.00} daily balance. 

Unfortunately, no other Checking account that they have available has this option. I ask that your organization investigate this practice, as it will profit on the most vulnerable individuals and families, especially in light of CoVID and the loss of income for many. This decision was made arbitrarily and without consideration to the many customers in Oregon. 

The only solution that I can think of is that WF be required to have at a minimum one Checking account that can have its MSF waived via 10 debit card transactions. 

Important information about avoiding your monthly service fee What is happening Effective with the fee period beginning after XX/XX/2020, there will be changes to your Everyday Checking account ending in XXXX. 

Avoiding the monthly service fee with 10 or more posted debit card transactions will no longer be an option. 
The options to avoid the monthly service fee using minimum daily balance or qualifying direct deposits will be based on a minimum of {$500.00} each fee period. Depending on your checking account type, this represents a lower minimum for one or both of these options. 



Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

notified credit bureau that an inaccurate account was reporting on my account. requested a thorough investigation and validity of debt info. Requested the account to be removed due to inaccurate reporting balance and account was fraudulent. XXXX notified me on XXXX that my investigation into this account had been verified and updated in a very short time of XXXX days. I spoke with XXXX XXXX and I was advised that I would need to contact the collections agency Phoenix Recovery and further dispute with them. I contacted Phoenix Recovery and I was advised that the dispute had just been sent over to them today on XXXX and had not even been investigated nor updated as of yet and was unsure as to why or how transunion would have sent out a dispute results. Account Person XXXX XXXX at Phoenix Recovery stated this via a recorded call. XXXX is not properly investigating credit disputes appropriately and legally. 


All parties involved have violated the FDCPA
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to make a purchase for $ XXXX at XXXX XXXX to which I was a card holder. Hence the word WAS. My XXXX XXXX account was open with a XXXX balance. When I got to the register to pay for my purchase with my {$100.00} open limit to buy to my knowledge, I was declined. Store associate ran my card three times. Each time it came back as declined. I was completed EMBARRASSED AND ANNOYED that my card kept declining because I knew I owed {$0.00}. 

I called customer service after using my normal bank card to make my purchase. The customer service representative said that : 1.In XX/XX/XXXX my credit bureau report was pulled and ONE of my accounts had changed ; therefore, XXXX XXXX *XXXX  XXXX  ) closed my account. She would not disclose which account it was. 

2. I asked, " did I owe XXXX XXXX ( XXXX XXXX  ) any money? '' I was told NO. My account had a XXXX balance. According to the customer service computer, I had a XXXX balance and an open amount of {$100.00} for purchase. 

3. I asked, " who gave XXXX XXXX  the right to just on a whim, run my credit report? '' She replied, we can do that! '' I told her XXXX XXXX ( XXXX XXXX  ) had NO right to run my credit report. It has caused my credit score to go down further, especially since I did not owe them any money. Nor since my other account that belongs to XXXX XXXX  was not past due either. 

This is the second time that XXXX XXXX ( XXXX XXXX  ) has done this to me and I am tired of it! It is an abuse of my personal information, and these actions will not help me in improving my credit score, if companies like this have the ability and the gaul to just run my credit when they feel like it. I was not notified that my credit report had been run, nor given a professional reason as to why this has occurred. 

I have returned the items back to XXXX XXXX and there were quite a few people returning their items this evening also. We can not allow companies to treat consumers such as myself like trash. 
XXXX XXXX  is showing unfair credit practices against consumers and they should not be allowed to.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  XXXX - XXXX - {$0.00} Late Payment XXXX XXXX XXXX  - XXXX - {$77.00} XXXX  - XXXX - {$7200.00} XXXX  XXXX - XXXX - {$700.00} XXXX  - XXXX - {$53.00} Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account Number 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 instructions -- -- in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 instructions -- -- in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 instructions -- -- in accordance with the Fair Credit Reporting act XXXX Account Number 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 instructions ----
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 instructions.
Product: Credit card

I wish to formally address a significant issue regarding a financial transaction in my XXXX account. Despite providing evidence that I did not subscribe to a six-month service with XXXX, XXXX has refused to issue a credit and instead offered to present the money to the merchant. I wish to emphasize that this payment was not authorized by me and I do not accept responsibility for it or any associated interest charges. In accordance with the Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ), which mandates consumer consent prior to withdrawals from their accounts, I did not authorize this withdrawal. As a result, I have initiated a dispute with XXXX to resolve this matter. I formally demand the full restitution of the amount erroneously withdrawn from my account, as per the provisions outlined by both the EFTA and laws governing unfair or deceptive acts or practices ( UDAP ). The withdrawal, purportedly for a service I did not use, constitutes a clear violation of these regulations. Furthermore, it is crucial to note that I adhered to the XXXX 's three-day refund policy by clearly expressing my desire for a refund and providing my address in Colorado. Any policy that selectively accepts payments but denies refunds to residents of New Jersey is illegal and unenforceable. Thus, any claim regarding the validity of the transaction is unfounded and legally untenable. XXXX has gained notoriety for defrauding consumers, and financial institutions are complicit in facilitating the fraudulent activities perpetrated by this organization. 

I am committed to pursue all available legal avenues to address this matter. I will not relent until the wrong inflicted upon me is rectified, and the full refund rightfully restored to my account. It is my duty as a responsible consumer to uphold the integrity of financial transactions and to hold accountable those who seek to exploit or manipulate them for their gain. Let it be unequivocally stated that such actions will not go unchallenged, and I will spare no effort in ensuring that justice is served. The flagrant disregard for consumer rights and the rule of law exhibited in this instance will not be tolerated, and I will not rest until I have reclaimed what is rightfully mine. Your actions are causing me significant hardship and stress, impacting my studies. I will involve my school 's legal department to address this matter accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and these accounts do not belong to me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are a result of identity theft. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$67000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$2900.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to cancel my account with XXXX XXXX and according to the agreement in section IV Term and Cancellation : You may suspend or cancel this Contract at any time and in a number of ways, including : ( a ) telephoning XXXX, ( b ) signing and mailing XXXX one of the Notices of Cancellation, or ( c ) sending XXXX a written request. XXXX honors all cancellation requests without condition or charge that are sent to XXXX within the first five days of the date of this Contract. 

I wrote a letter and I also signed and dated the provided Federal Cancellation Form. Since it was late Saturday afternoon, I was not able to mail it but because it was XX/XX/XXXX ( the 5th day after signing ), I sent an email request with the documents attached, I uploaded the documents via the client website. 
I updated my account and selected Do Not Challenge for all of the negative entries on my report to insure no work would be done before I could confirm cancellation. 

On Saturday the XXXX the 5th day after signing XXXX XXXX charged my credit card for {$99.00}  and not only does the agreement clearly state I have 5 days to cancel without obligation, it also clearly states, several times, This fee will be charged after related services have been fully rendered. However, there were no Credit Repair Communications sent out so services were not fully rendered On Monday XX/XX/XXXX I sent the documents certified mail and I called the support number to follow up with the cancellation. XXXX XXXX is refusing to refund the initial fee of {$99.00} and instead offered me a {$40.00} refund, and that is unacceptable, I only want them to honor their agreement to cancellation without obligation. 

I am attaching the agreement as a supporting document. 


Also I would like to note they incorrectly notified me that a negative item had been removed from my XXXX credit report when in fact it had not. I was sent an email and it was reflected in the client website. 

I am attaching screenshots of the client website and the email as supporting documents.
Product: Credit reporting or other personal consumer reports

My account with ACHIEVE PERSONAL LOANS was never late! I have had exceptional payment history with ACHIEVE PERSONAL LOANS and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ACHIEVE PERSONAL LOANS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Transferred cryptocurrency from a personal account to an official broker ( Coinbase.com ) on XX/XX/XXXX. The transaction succeeded while Coinbase was having outages that day, and something went wrong with automatically moving the funds to the Coinbase Pro service. After several attempts of manually moving the funds from Coinbase to Coinbase Pro ( two services managed by the same company ) the funds eventually disappeared from both services, even though all transaction logs show a succesful deposit. Coinbase Pro even acknowledges the transaction in their own logs which I've attached, yet the funds never show up in the actual service. 

https : XXXX Coinbase Support is refusing to respond after a week even though it's clearly described in my support ticket XXXX # XXXX XXXX that this situation involves a non-trivial amount of real money and points at being completely their fault alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION. 

THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.
Product: Vehicle loan or lease

I Filed a complaint # XXXX on BRIDGECREST ACCEPTANCE CORPORATION on XX/XX/XXXX, my complaint was with how they are closing the account. BRIDGECREST ACCEPTANCE CORPORATION responded on XX/XX/XXXX and the complaint was closed, however XXXX still did not file the GAP insurrance. They claim that the total amount was not received, the amount was short by {$4.00} and the GAP could not be filed until the total amount was paid. They received the amount on XX/XX/XXXX, then on XX/XX/XXXX the differance of {$4.00} was posted to my account and still waiting for the GAP to close. XXXX lack of attention with my account is due to me no longer wanting to use thier company financing. thier interst rates is too high and they was not truthful in how interest was accumulated. this was not a simple interest loan. they will receive 3 times the amout of the vehicles worth. My vehicle was involve in an accident on XX/XX/XXXX and as of XX/XX/XXXX i am still without a vehicle.
Product: Debt collection

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the associated bank over the phone that the identity theft report was valid and the accounts would be promptly removed. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The actual terms were not provided to me until after I had agreed and the first payment was taken out. I'm shocked they have not been shut down already. I have experience with loans and they flat out lied. I took a {$500.00} payday loan and after reading the terms the interest amount appeared reasonable. When I logged in after the first payment was taken out its showing I will be paying it back on a 538 % interest rate. I borrowed {$500.00} and am supposed to pay back {$1800.00} with no early payoff program. I will attach screenshots in the section below. Is this something I can get out of? The screenshots below were not shown to me until after signed up and first payment taken. Prior to that the sign up terms were very vague it show a very small interest amount. I would have never considered a 538 % loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX. 

XXXX XXXX : XXXX  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 reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent cyber-security practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file monitoring services. 

These are unacceptable practices for a business in which security of consumer data is paramount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. After reviewing my XXXX  credit report I noticed that i still had an old Chase credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called Chase credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to XXXX. When I Disputed this with XXXX, they told me that it was up to Chase credit card services. 

I believe that both XXXX  and Chase are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.