23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am writing you to lodge a formal complaint against Wells Fargo about multiple overdraft fees from XXXX totaling over {$9000.00}. I am a dedicated online banker. 
Last week, my husband made a purchase on XXXX and the pay pal account was linked to my checking account unbeknownst to him. He alerted me that he made a purchase but was unsure what account it was linked. This alerted me to check my account and I was alarmed that it was overdraft by approximately {$650.00}, so I panicked and transferred from our savings account to ensure nothing else would overdraft causing more fees. I checked my account yesterday and was flabbergasted to see that I was negative approximately {$350.00}. So I did some further investigating on my account and noticed that I was getting an overdraft fee for small items as low as XXXX cents and in the month of XXXX alone I was charged about {$1000.00} in overdraft fees. At this point I called the Wells Fargo Customer Service line and spoke with a very kind representative and she said she could only refund me {$260.00} ( give or take. ) I told her that I completely understood her position but that it would not be wise for me to settle when that would still leave my account overdraft and vulnerable to more charges. She completely understood and then transferred me to another representative with more authority. Again, I was treated very professionally and with kindness. Unfortunately she said she would only be able to refund my account around {$650.00}. Please excuse the estimations as I am going by memory. I told her that was a better amount but that I felt that I had been taken advantage of by Wells Fargo and the new overdraft policies that she said I had opted in? I did further investigating on my account and am so sick right now looking at the fees charged so far this year. They total over {$3000.00}. This was money that could have been used to keep my mortgage current, my student loans current and my credit cards current, but now I am in such a hole that I ca n't see the light. 

I believe there was a lot of charges accrued due to the way Wells Fargo drafted items out of my account. And it appears that in XXXX there was a change in the overdraft policies. Between XXXX and XXXX fiscal years was charged an average of XXXX overdraft fees per year and between XXXX, I have been hit with XXXX overdraft fees which averages about XXXX overdraft fees yearly affecting my bank account negatively {$290.00} per month. During XXXX to XXXX, I ran a business and was completely focused on that and neglected overseeing my bank account as needed because mainly I trusted WF and could n't possibly fathom that this was taking place and I was being taken advantage of like this. 

My complaint is about this new policy that I was placed in without my knowledge and how it has negatively impacted my life financially and emotionally. I have been seeing a XXXX due to the XXXX this has caused. 

I would like my money back. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Comenity XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My Wallet was missing from my apartment dresser on XX/XX/2022. I got a bad feeling about the same time I noticed that my wallet is missing ... .I got XXXX XXXX A attempt to withdraw from my Account.all on XXXX All Declined XXXX XXXX and XXXX {$900.00}. 
XXXX  and XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$20.00} Declined. 
XXXX XXXX XXXX {$89.00}
Product: Credit card or prepaid card

Comenity bank as well as XXXX  XXXX  both have lowered credit limits to the max value owed on the card and have been destroying my credit score over and over again. 

I had a XXXX $ limit with a XXXX $ balance owed and suddenly my limit dropped to XXXX $ And gave me a 95 % utilization rate on my account. They refused to give a reason stating I was sent a letter when I received nothing. They refused to send another letter with the reasons and the customer services was no help at all. They stated I need to take it up with the credit bureaus.
Product: Debt collection

I received a automated call from Weinberg remediation group on XX/XX/2018 around XXXX. The automated message said I had to call them before my debt they have goes to legal status. 

I called them back and a man answered who continue to tell me that I signed a contract with a credit card company that has a default clause that will kick in if I dont pay them. This default clause allows them to charge me for 4 times he rate of the original debt. I asked if they would be willing to verified the debt. He then very angrily said hes not playing around with and will just report this to their attorneys to take legal action. 

I called back and got the same guy again and asked him to confirm their address to me. My plan was to send them a letter to force them to verify the info. The man then kept avoiding giving me the address, or verifying the one I found online. He then told me I was smart for someone is who in default and that they will be taking legal action. 

After talking to a lawyer, its my understanding its against the law for then to one not identify as a collection agency and to also threaten to sue me. 

After a quick XXXX search it seems this company has been sued multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to report and dispute inaccurate information on my credit report with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to this date, I have not received a response. I am providing the details of the inaccurate information and the necessary corrections required : Account Information : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$900.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with XXXX XXXX at Avid Acceptance in regards to my auto loan that I had fallen behind on my payments. She verbally guaranteed that if I paid {$800.00} I would bring my account current and not have a remaining balance owed until my scheduled payment that would be due on XX/XX/XXXX. I made the {$800.00} payment then. 

Later on XX/XX/XXXX at XXXX I received an email from XXXX stating she was incorrect and that I needed to now pay additional {$71.00} and she again guaranteed that after making the {$71.00} payment I would not have any remaining balance owed on my account until my regular monthly payment due on XX/XX/XXXX. I then made the {$71.00} payment. 

On XX/XX/XXXX I noticed my account showed I owed my regular monthly payment plus an additional amount of {$190.00}. I immediately emailed Avid Acceptance and provided them the email from XXXX guaranteeing twice that if I made the {$71.00} payment after already making the {$800.00} payment my account would be caught up with no balance remaining. I received a response back same day explaining I now have fees from the past of {$190.00}. I responded back again with XXXX email guaranteeing me no other fees would be on my account and I explained I hope they can resolve this so I wouldn't have been misled. They again emailed sorry but not sorry and I still owe the {$190.00}. I then told them I was going to report them for misleading me and adding additional fees after promising I had no other fees on my account remaining.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency XXXX only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Payday loan, title loan, or personal loan

I took an online loan out on XX/XX/21 which I was unaware when I applied for loan that you can't use a business acct for payday loans, when I arrived at the location to finish the loan, the store manager saw it was a business debit and stated that the business acct could not be used. He checked it out and realized that the acct had already been funded and he was not able to redact the loan. I told him I would make contact through 1-800 number and set up a new form of payment. When I tried to login to online account, my access was denied. I called customer service and they informed me that do to the circumstances w business account, they blocked my account and I would not be able to access it ever. I would have to make my payments in person at the local store. I explained that it was too far to drive and when they allowed me to have access to my loan, I would update payment information and we could finish doing business. They still haven't allowed this. I had money in the business acct for payroll and mortgage and out of nowhere, Speedy Cash ran my business debit for {$2100.00}. the loan was for {$1000.00}. My mortgage payment is processing and will be returned for insufficient funds and we are already at risk of going into foreclosure. They knew this was a business account and should have expected to be hurting someone financially if they are taking that much $ $ unannounced and unauthorized from a LLC Bank Account that someone might be expecting a paycheck today and wouldn't be getting it if they took the funds that were there for that purpose. They tried this once before and the payment was reversed so they knew they weren't allowed to do this. Yet they still did it anyway! This could cause us irreversible damage if our house note gets returned.
Product: Debt collection

XXXX XXXX from XXXX called me and employer and is harassing me severely. He stated that he was going to seize my assets and file a judgment against me. He would not stop harassing after I told him to please stop. He is referring to an old credit card that was over 7 years old. I am not even sure that this card is mine as he was not able to send me proof.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I got a phone call from a fake XXXX XXXX Saying they were about to shut off my power, so I had my son, XXXX XXXX XXXX XXXX me the money to pay them. Went to XXXX to pay the bill, using their code so I wouldn't be charged a fee ... And realized right after that they were fake and my bill wasnt even {$300.00} at the time. I immediately called the bank to try canceling it, reported the number he used, and called the power company to report it. Then I reported them to bank of america, who replaced the funds while they investigated... Only to take it back and I was negative {$990.00} until my XXXX XXXX XXXX XXXX  loaded direct deposit, and the bank just took the whole deposit as payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following information on my credit report is not associated with any transactions I have made or authorized. This is due to identity theft. Please remove this information from my credit report under section 605B of the Fair Credit Reporting Act and notify all relevant information furnishers. Despite having a credit freeze and a fraud alert in place, I discovered numerous discrepancies and accounts opened without my consent. My personal information was stolen during breaches at both XXXX and XXXX XXXX XXXX. I have filed an official report with identitytheft.gov and a police report with my local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Ability Recovery Services a certified letter requesting information on a collection of {$610.00} that is on my credit report. I asked for proof showing that this is my debt and I also asked that if they couldn't provide me with this information, to please remove the collection from all 3 credit reports so that they can reflect accurate information. 

On XX/XX/XXXX, Ability Recovery Services responded with a bill from their company and also a bill from the XXXX XXXX XXXX , XXXX, the collection agency that they purchased this account from, but I didn't receive anything from the original creditor where it shows that this is my account/charge/bill. 

I then submitted all of this information to all 3 credit bureaus, XXXX, XXXX and XXXX. The credit bureaus disputed this with Ability Recovery Services as well and they couldn't provide the credit bureaus proof that the account was indeed mine. On XX/XX/XXXX, I am writing CFPB to get them to remove this {$610.00} charge off of all 3 credit bureaus since they don't want to voluntarily do it and they can't provide me with proof. 

My certified letter was sent to : Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTION AND OUT ( I assuming its a collection agency ) call me several times to collect the amount of {$2400.00} and {$500.00} claiming that I owe that money to XXXX XXXX XXXX XXXX locate at the state of Virginia and I explain a thousand times that I never live in Virginia State, every time that they call they try to collect my information with the excuse to verified my information but I never give to then. 

I don't Know how I can stop this collections ... they also report to my Credit and its affecting me big time, they don't want to hear what I said when I explain that its a Fraud and they still calling me and reporting to all credit boar. 

Please How can I stop this FRAUD on my Credit Report?
Product: Mortgage

XXXX Effective this date we refinanced a long standing mortgage with XXXX through XXXX XXXX. Paid XX/XX/20 mortgage payment to XXXX XXXX  XX/XX/20-Effective this date servicing of loan transferred to Shellpoint. Made mortgage payments from XX/XX/20 through XX/XX/20 to Shellpoint. When Shellpoint transferred the loan to XXXX, they reported that we had not made XX/XX/20 payment. We have bank statements showing withdrawal of mortgage amount each of these months to Shellpoint and have emailed them to customer service representatives and a supervisor at Shellpoint as well as advising them about the error in reporting the mortgage balance to credit agencies. 

XXXXEffective this date loan transferred to XXXX. Payments made to XXXX on XX/XX/20 and XX/XX/20. XXXX has reported to the credit agencies and notified us that we are one month late in payment of loan because they applied XX/XX/20 payment to XX/XX/20 payment. I have emailed statements showing all payments made on time including payment for XX/XX/20 to XXXX escalation manager. After trying to resolve this for a month and seeing a drop in my credit rating, I never got a clear answer from Shellpoint and was told by XXXX that they would try and resolve it in 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from avant several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. Avant isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. Avant has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.
Product: Checking or savings account

XX/XX/2023 for XXXX XXXX XXXX {$280.00} left me in XXXX balance. XXXX XXXX {$20.00} XX/XX/XXXX {$58.00}. XXXX XXXX XXXX {$19.00}, XXXX XXXX {$39.00} XX/XX/XXXX {$100.00} XX/XX/XXXX, {$19.00} XXXX XX/XX/XXXX, XXXX & {$33.00} XX/XX/XXXX {$310.00} & {$840.00} XX/XX/XXXX, {$1200.00} XX/XX/XXXX {$24.00} XX/XX/XXXX, {$20.00} XX/XX/XXXX {$19.00} XX/XX/XXXX, {$39.00} all I did not approve or authorized i was told i should have paid attention very unprofessional i asked to be credited chime repeatedly put me on hold and hung up in my face
Product: Mortgage

My Wife, and I refinanced our mortgage loan for lower interest rate with a new lender ( XXXX ) the month of XX/XX/XXXX. XXXX XXXX XXXX, XXXX finalized our refinance, and submitted the {$360000.00} wire payoff to NTNSTR/Mr. Cooper on XX/XX/XXXX ( 4 days prior to the date that our loan would be 30 days past due on XX/XX/XXXX ). I submitted a screenshot proof via the Mr. Cooper App that NTNSTR/Mr. Cooper applied the funds on XX/XX/XXXX. Unfortunately, NTNST/Mr. Cooper reported our XX/XX/XXXX Mortgage payment 30 days past due prior to closing our account which greatly negatively affected our credit history. I contacted NTNST/Mr. Cooper at XXXX ' twice stating the previous, and submitted a credit letter from XXXX XXXX XXXX XXXX XXXX with my screenshot proof of the {$360000.00} credit via the Mr. Cooper App on XX/XX/XXXX, but I never received a response from NTNST/Mr. Cooper. I disputed this matter with XXXX, XXXX, and XXXX  without acceptable resolution. XXXX  has reported the NTNST/Mr. Cooper account paid & closed but did not remove that 30 past due record. I request for the 30 days past-due record reported XX/XX/XXXX to be removed from all three credit bureaus.