23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a business account with Wells Fargo that includes 2 checking accounts and 3 credit card accounts. 

To complete XXXX taxes our accountant needs the credit card transactions for XXXX - XX/XX/XXXX in a format that can be imported by his accounting software ( e.g. 
csv format ). 

Logging into Wells Fargo 's on-line system we are able to view all accounts on-line. 
There is an option to retrieve transactions both as pdf statements as well as csv files, when that format is required. 

We have tried to retrieve the csv files for the 3 credit cards on that account for transactions from XX/XX/XXXX to end of XX/XX/XXXX. When the downloads complete the only data provided is for XX/XX/XXXX up to the current date. 

After calling Wells Fargo to complain about this issue we are told that those transactions are no longer available and the only information available to us are the pdf files which cover all of XXXX. 

It it is inconceivable that Wells Fargo deletes credit card transactions more than 5 months old from its database, which is what we were told. 

This appears to be a matter of Wells Fargo instituting an arbitrary cut-off period for which it generates the csv data required by its customers for the previous year. 

Many individual 's would likely need that information for tax purposes and having someone renter the data from the pdf files that Wells Fargo makes available is costly and time consuming. 

We would appreciate CFPB 's view on this matter. 

XXXX XXXX
Product: Mortgage

I took out a FHA mortgage loan FHA case No. XXXX XXXX was servicing the loan.My frustration with trying to get Wells Fargo Bank to honor this Consent Order agreement with your office. I am writing this letter because I have fought and fought to save my home and to keep from being homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note. The state court has ignored my pleas in Illinois XXXX court case XXXX.The multiple assignments, not allowing the provisions in the agreement under the regulation HUD which limits the rights in case of payment default. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less and/or the Banks failed to comply with Title XXXX Part XXXX " Subpart C- Servicing Responsibilities '', including, but not limited to XXXX, XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX and XXXX
Product: Debt collection

I was going over my credit file and seen a unverified account from CHOICE RECOVERY! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees. I need to see a copy of a contract and a release form of HIPPA.
Product: Credit card

I would like to know what legal actions I can take against this company for falsely reporting information that led to me paying for purchases I did not make with my credit card before I close my accounts. I am currently researching my terms and conditions but would like to see if you can assist.
Product: Credit reporting or other personal consumer reports

I signed up with the business XX/XX/2024. Expecting a tradeline for bill history to be added to my credit reports with all 3 bureaus. By XX/XX/2024 there was no tradeline history added to my credit profile on any bureau. I had consistent conversation through email requesting a response for why my tradeline was not being reported. I was getting the same response of it can take longer then expected. The advertised terms state it can take a month to be reported. There was no line reported after 3 months. The company states I requested a cancelation when there was never a email that stated to cancel the service. They just canceled it so they would not have to provide the service. However I still paid for two months of a service that was never rendered. I have complained to the company, the XXXX, the Attorney Generals Office, and Consumer finance. With no response being responded to besides consumer finance. I have tried to ask for my money back numerous times with warning of what will take place if I am not reimbursed for a service that was never provided. I have taken all proper procedure methods in order to obtain a settlement for my funds for that service with no success. This is my last attempt in requesting the funding back since services were not provided. All methods of communication will be used as evidence. There will be no stance to try to counter you all spending money because of me requesting my funds back. I have completed all correct measures to obtain my funds back and if you all will like to spend more money to try to fight the process for getting my money back for a service that was never rendered, then that will be your choice. You have been sent a letter from a Attorneys office stating the law in Arizona, where that service was bought and supposed to be provided, and your attorney did not contact the law office or myself as law is stated to do so. So with all this proof of communication I will proceed to claims. Thank you.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX  It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

I made a treasury check mobile deposit on XX/XX/XXXX which was placed on hold till XX/XX/XXXX. On XXXX I contacted USAA customer service and asked that my deposit be manually reviewed to have my deposit hold released so that I had access to my funds. I also informed the rep that a continued hold is violating reg c subpart b General Rules ( 229.10 ( a ) 229.10 ( c ) ) " U.S. Treasury checks and on-us checks , which must receive next-day availability even if the deposit is not made at a staffed teller station. Cash '' also in Categories of Exception ( 229.13 ( a ) 229.13 ( f ) ) " Treasure checks deposits, however, must be given next-day availability regardless of whether they are made at staffed teller stations or ATMs. '' I was advised there is nothing that can be done and that my deposit was to remain on hold till XX/XX/XXXX. XXXX I contacted the bank again at which point the call was escalated to a manager whom took my complaint and sent it to the member advocacy group but also advised there was nothing that can be done about my deposit hold and that i would receive a call back in 3-4 business days. The same day I received a call back and spoke with XXXX who told me that the ATM deposit is not subject to Reg C and that the bank stands by its decision to hold my deposit till XX/XX/XXXX. On XXXX I also sent the bank a copy of my formal complaint filed with the Federal Reserve Consumer Help department and have yet to receive a reply. A copy of this complaint is attached.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in my savings made out to sister XXXX XXXX. She endorsed the back of the check, I was notified that there may be an extended hold until check clears which was fine. XX/XX/XXXX I got an alert that a restriction was put on the account. I called for them to remove restriction which I was notified that they need a registered number for XXXX XXXX to verify. I gave them two phone numbers which they kept saying is not registered to her. I was told the next best thing was to take her to a branch to be verified and added to the account. We go into branch on XX/XX/XXXX, she has her state id, social security card and birth certificate and they would not verify her unless she had a registered phone number. The check cleared on XX/XX/XXXX and they called the maker to verify check but still refused access to funds. So upon us leaving I called and basically told them that we are just going to have the maker of check reverse it and they can close the savings account. Well on XX/XX/XXXX I get an alert that they are closing all my accounts with Chase and refuse to tell me why. This is a clear case of discrimination while they just get to withhold money. They could have been just return the check instead of having us waiting.
Product: Checking or savings account

In XX/XX/XXXX, I received a notice from TD Bank that my checking account would be assessed a monthly Paper Statement Fee starting on XX/XX/XXXX. When I called TD Bank Customer Service indicating that Massachusetts residents can not be charged a fee for receiving paper statements under Mass. Gen. Laws c. 93, sec. 43A, I was told by TD Bank that the charge would not apply to my account if the balance remained above $ XXXX. I recently received my paper statement from TD Bank and it included a Paper Statement Fee of {$3.00} although the balance remained above $ XXXX. When I called TD Bank Customer Service again, I was told that the previous information I received was incorrect and that the fee would apply going forward ( although the customer service rep agreed to waive the fee for the first month ).
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting 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. I need the following items to be updated from my file right away XXXX XXXX XXXX BALANCE {$1900.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment by Bank of America to the credit bureaus and it's been inaccurately reporting on my credit report. This reported late payment is incorrect, and its presence on my credit file is causing unnecessary harm to my credit score and overall financial reputation. This error has negatively affected my ability to access financial opportunities and has caused me significant stress. As someone who strives to maintain a good credit history, it is frustrating and unfair to see my record inaccurately reflect a late payment that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, D ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX OLD XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX BalanceOwed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$310.00} ; Medical XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Owed : {$1100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. Experian XXXX XXXX is reporting negative information from XXXX XXXX XXXX  despite XXXX  police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX XXXX ( accounts opened XX/XX/XXXX & XX/XX/XXXX ) for their improper reporting of a balance on a charged-off account, which is in violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 1681s-2 ( a ), furnishers of credit information, such as XXXXXXXX XXXX XXXX, are required to provide accurate information when reporting to credit bureaus. A charged-off account, by definition, should not report an outstanding balance as the debt is considered uncollectible and written off by the creditor. However, despite the account being charged off, XXXX XXXX XXXX continues to report a balance on my credit report, which is inaccurate and misleading. 

This inaccurate reporting is negatively impacting my credit profile and violates FCRA provisions that ensure consumers are not subjected to false or misleading credit information. 

I request that XXXX XXXXXXXX XXXX immediately cease reporting an outstanding balance on this charged-off account and correct the information across all credit bureaus. If the information can not be verified or corrected, I demand that the account be deleted from my credit report in compliance with FCRA guidelines. 

I am asking the CFPB to intervene and hold XXXXXXXX XXXX XXXX accountable for this violation and ensure they correct the issue promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to all credit reporting agencies on several occasions asking that they update my personal information. I sent a letter with a drivers and bill showing my correct name and address. Consequently, They all have decided that the information they have is verified and will not remove those inaccurate findings. Who are they to tell me what my name is? XXXX is not the same as XXXX. They will not remove any/all information that does not reflect this correct information. Therefore they are reporting inaccurate information. There is no active credit company listed on my report that should be using no other information than what has been proved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting

on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Original creditor XXXX, i disputed this account with XXXX   because it was fraud account someone bought a car under my name and XXXX removed but XXXX wont remove it and i disputed it twice with them
Product: Bank account or service

On XX/XX/2016, a banking institution took {$1300.00} out of my Bank of America checking account. They had no paperwork, signatures or any agreement with me. An individual that uses this institution ( Identified as XXXX XXXX ) was attempting to transfer money into my account but the transaction took money out. Whatever went wrong, no one appears to understand. I called Bank of America and expressed my alarm that an institution, completely unrelated to me and with no agreements in place could withdraw money from my checking account. The money was redeposited on XX/XX/XXXX. No correction to my interest was made and although I have called the bank on numerous occasions, there has been no explanation provided to me. 
This breach is serious but evidently Bank of America is doing nothing to correct the weakness in the system that allowed this to happen, they have ignored my pleas for an explanation and they have not reimbursed me for the loss in interest ( which occurred during the weeks that the money was missing from my account ).
Product: Student loan

When the student loans were paused for COVID, I spoke with Mohela who told me to consolidate both my and my sons parent plus loans ( I am graduated but he is still in college ) into one so that I can make the most of XXXX loan forgiveness program. I was told that I would receive about $ XXXX off of my loan and my son would receive {$10.00} off of his. Therefore, I was told I would have a similar monthly payment to what I was already paying and the consolidation would allow all loans to be forgiven under the XXXX I had applied for upon graduation. I am a civil servant for XXXX years and had been at a non-profit for five years. I was told Mohela would credit from my XXXX XXXX until the pause was over as payments towards my PSLF. However, when XXXX plan failed I was left with this huge consolidated loan with payments that I now can not afford because they will be increased to over {$1200.00} per month once my son graduates next year. Additionally, my account shows that I have no credits towards my PSLF whatsoever. I am reading online now that to qualify for XXXX I must be on an income driven repayment program. I was never told this before. I am outraged by the misinformation and have reached out numerous times to Mohela, even leaving messages. No one calls back. When you do call, you are placed on hold for hours and no one ever answers. I paid my bill this month because I had no choice. However, I believe this is a tremendous injustice to those of us who are making decisions based on the information provided by our loan servicers. Then, after we are misguided, they take no accountability for their actions. I work hard as a civil servant. I took out tons of money for a degree only to have a job I get paid peanuts for. The one hope I had was supposed to be XXXX combined with relief from XXXX plan. I deserve answers. On top of this all, my son, who I have taken loans out for has XXXX and they have never told me about how his debt could be XXXX due to his XXXX.
Product: Consumer Loan

I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. 
The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.
Product: Debt collection

I received calls after calls in the last 30days : and today I received two Threatening letters from " radius '' Radius Global Solution LLC Formerly XXXX XXXX XXXX on an account that has been Resolved Through total deniability and 10 years of continued Disputes with all three Credit bureaus and 5 Collection companies and their attorneys and the alleged Creditor XXXX XXXX on an alleged account that was open back in XX/XX/XXXX/XX/XX/XXXX by my employer at the time and all bills paid by them and account was closed by them- I never open an account with XXXX XXXX myself. these fraudulent collection companies have been Breaking Fed-fair credit reporting laws on this Fraudulent account and attacking me financially through credit reporting and harassing phone calls and mailers- This account was sold to this Collection company Radius Global Solution LLC By XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX- as this have been order to not to contact me Every again : This is how fraudulent this account is the they say the Original Account # is XXXX and Radius Global Solution LLC Ref # XXXX I will be also be referring this to the FBI and the XXXX  XXXX from every state that I have recv-called from and Mail-
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XX/XX/2019 Equifax took 50 points off my credit score in one day. I've called Equifax many times to find out why. Their answer has always been " we don't know why '' I don't understand these type of responses. I've never been late on a payment and I have a utilization rate of 25 %.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.