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

Hello, Wells Fargo on XX/XX/XXXX withdrawn {$800.00} out of my Checking account without my consent. When I reached out to them for clarification as I have always done, a Wells Fargo representative informed me that back in XX/XX/XXXX, before receiving my stimulus check, they credited me that amount to give me access to receiving my stimulus check early. On my statement, they have " REVERSAL OF TEMPORARY CREDIT PROVIDED FOR NEGATIVE BALANCE PRIOR STIMULUS PAYMENT ''. I asked whether this met my approval, and they informed me that it does not have to meet my approval before doing that but this act of exploiting customers is only done by Wells Fargo and targeted at certain people banking with them. I informed Wells Fargo that I did not see the reflection of temporary credit in my account and why is it that wasn't taken off when my stimulus check was in my account? I also ask them if I ever consented to such a transaction and they informed me that I needed not to consent to it. It was an automated transaction. I told them that I don't need a 3rd party deciding on my banking situation or finances without my consent. They stated that this transaction does not need my consent. In a nutshell, I'm asking this body to please tell Wells Fargo to return my funds to my account. Their withdrawal of my funds has now created many overdraft fees for me on bills that are due to be paid. This is not Wells Fargo 's first or second time exploiting money intentionally from out of my account. Back in XXXX and XXXX, I had to make calls to them on withdrawal that came out of my account by them. They apologized to me and returned my funds. As I planned to close my accounts with them next week, I'm asking your institution to please investigate this matter and have them returned my funds. I worked so hard for my money and when I need it, it should be there for me. I did not receive a letter from them regarding temporary credits on my account and I do not appreciate them deciding on my finances without my consent. Why will a banking institution gives you money if they have no intention to steal from you? If they claimed that my account was negative and needed money so why did they withdraw money from my account and causing the same negative balances for me? I'm frustrated and traumatized by their actions toward me and I need help addressing this matter because it will not go unnoticed. I worked so hard for my money and don't deserve to be robbed of it by a banking institution, continuously. I've emailed them on XX/XX/XXXX and requested to talk to their compliant department but the representative told me that I can not talk to anyone and they are close. I look forward to hearing back from you. Thanks. 
My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up request to tell you that I'm a victim of identity theft. Again, I was going through my records & noticed many information or items which do not belong to me. Please block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} FST XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I was online shopping fir a puppy for my daughter when I came across this company called XXXX XXXX  that sells puppies I did the research on the company check the reviews everything seemed to be good. I reached out to the via email, someone called me we discussed the puppy type, and pricing. We also communicated via txt. I choose to get my daughter the standard yorkie which was {$850.00} plus {$100.00} travel fee for a lap Buddy someone to travel with the puppy. I sent the payment of {$950.00} via XXXX after they sent me a contract via e-mail never to receive the puppy reached out to them they kept saying puppy was in route. I called my bank but the couldnt stop payment because it was a XXXX transaction
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Appli

cability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Product: Credit card

In XX/XX/year>, a fraudulent person hacked into my XXXX  account and transferred out XXXX sets of concert tickets to themselves. They managed to do this because XXXX was compromised XXXX XXXX XXXX XXXXXXXX ). 

Immediatelly after this happened, I contacted ticketmaster asking that they restore the tickets. They did for XXXX of the concerts, for the other XXXX they said they would but never did. The response time was very slow, and all communication was through the live chat feature because I wasn't able to get through via phone. 

This dispute is about a XXXX XXXX concert in particular which was in XXXX. The tickets remained inaccessable on the day of the concert, XXXX  failed to help me before the concert and failed to provide a refund after the concert. I disputed this transaction with Chase, and they denied my dispute, saying XXXX had no record of me requesting a cancellation. 

Unfortunately transcripts of my conversations have now conveniently disappeared from the XXXX  website.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Equifax and XXXX  are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}.

XXXX  reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance.

I have disputed multiple accounts with XXXX  and equifax and I am not getting anywhere.

Below I will attached all 3 reports so the information is able to be verified per accuracy.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as American Collection Services ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
Product: Money transfer, virtual currency, or money service

Tried to link my bank account to a service that creates virtual cards for online purchases, to protect the security of the actual card. My bank, PNC, will not allow my account to be linked.
Product: Debt collection

On XX/XX/2022, COMENITYBANK/WAYFAIR called my wife 's number to attempt to collect a debt from me. They had already been informed that they should not be calling me or my family ( I have filed a complaint separately for that issue ). 

When they called me on my wife 's phone, I spoke with the COMENITYBANK/WAYFAIR representative XXXX The representative told me they were calling to see if I wanted to avoid a lawsuit and which would ruin my credit. They said that though they had record of being requested to not call me, they wanted to attempt to give me the opportunity to avoid bad credit from losing the lawsuit they were about to file. The representative proceeded to make statements such as " So you want to ruin your credit? ", " So you want to lose in court? ", " So you would rather us file this lawsuit and ruin your credit? ". The representative repeated the same sentences regardless of my response, until I finally disconnected the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer for this loan because of loss of job the loan was unable to be paid so we surrendered the car to the dealer. Why is the loan still on my credit? The car was surrendered to the dealer because of loss of job, no money coming in it wasnt my fault! I would like the credit report to be taken off my credit? The car was surrendered!
Product: Debt collection

XXXX XXXX sold my payday loan to Oracle Financial. Oracle Financial used some illegal practices, first by claiming that Money Key had sued me for fraud ( they had not ), then trying to parlay the alleged Federal fraud suit to either collect the original total debt of about {$400.00} TODAY, or I could hire a lawyer and take my chances in Federal court and being stuck with a suspended drivers license, prison, property seizure, and/or garnished wages totaling {$1200.00}. The person I talked to in calling them back was especially aggressive with all this, and I hung up on him. I then called XXXX XXXX, which finally got me to an XXXX number for Oracle ( I assume that the first guy was also Oracle -- -they are XXXX in XXXX ). The first person I got in calling their XXXX number ( XXXX XXXX XXXX ) was helpful, but then I was transferred to others, where there was an attempt to say that I was someone named XXXX ( I am not ) and that I was in Texas ( I am not ). They also got huffy when I would not give them an alternate phone number such as my work number. Overall, Oracle was being extremely aggressive and appeared to not be terribly well organized. I hope I have not been scammed, and they really will properly collect the now-arranged for payments ( to be done in mid- and late XXXX ) and then leave me alone, ideally with a mailed receipt reflecting the discharged debt. I have put my bank on alert in case Oracle tries to make a collection in the next few days, which has not been authorized.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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: Mortgage

I have submitted a mortgage modification application on XX/XX/2018 but have been denied. The company sent back a short sale option which I declined. The servicer has put I house up for sale
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 ). 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 have caus
ed significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Vehicle loan or lease

New auto loan. Sent enrollment email. Filled out auto withdrawal forms. Attempted a small payment a week prior to due date. Called customer service a few days after. Customer service stated give it XXXX days to post. Due date came and went. Customer service said request went through. Told to wait XXXX additional days. On the XXXX day called and found new account was delinquent. Paid immediately using debit. Forced to pay a {$30.00} fine for late payment. Asked if they could debit the same checking account with debit provided. Stated theyd send another enrollment form when ach cleared. Essentially Im taking the same gamble again and may be stuck paying more fines. Wont elevate concerns to management, not dealing in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX XXXX  not listed Equifax XX/XX/XXXX Payment status not consistent : XXXX  : Current XXXX  ate 120 days Equifax Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Product: Debt collection

On XX/XX/30 I contacted Convergent Outsourcing to resolve the debt I have with them. The agent informed me that my debt with them was inactive he was not able to access anymore information about my account. I questioned how could you not have any information about my account but report negative on my credit report. The agent transferred to XXXX, XXXX stated that there is nothing they can do because the debt was purchased by Convergent. This company who states that my debt with them is inactive has been reporting on my credit for the past 6 months.