23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a wire from my home computer on Wells Fargo 's online banking app to my tenant in my rental office in XXXX XXXX, in the amount of {$13000.00}. 

I used a XXXX XXXX  that was given to me by Wells Fargo so I could make wire transfers. I have made many wire transfers over the years through both personal and business accounts. 

My tenant for over 15 years and we have never had an issue with them, they never received the wire. 

For over 2 months I tried to speak with someone who could help me figure out what happened with the wire. 

It was wire fraud. Someone either hacked Wells Fargo 's banking app during the transaction to access the wire and switch it to another bank that was able to make an account to receive the wire. 

I continually asked Wells Fargo to recall the wire, but it wasnt done until almost 2 months later and that was too late. The answer I finally received from Wells Fargo was the other bank wouldnt return the money so Wells Fargo couldnt help me. 

Their banking app was hacked and dealing with them is impossible for a consumer. I spent many hours on their " customer service support line '' and many hours at the local branch. 

Wells needs to recall my wire, deal with the bank that recieved the wire. Return my funds. This is the responsibility of Wells Fargo, my funds should be insured against wire fraud using their online banking app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased 2 secured cards they are honoring one but not both ending in XXXX ( not honored ), capital one is causing a lot of problems.
Product: Credit card or prepaid card

In the most recent SEC filing, it is evident that a second amended and restated indenture exists between CITIBANK CREDIT CARD XXXX XXXX, as the Issuer, and XXXX XXXX XXXX XXXX XXXX, as the Trustee. This indenture was filed on XX/XX/XXXX, for CITIBANK CREDIT CARD MASTER TRUST I and can be found on Citibank 's Investor Relations page. However, the current contact information for the trust indenture signee and the indenture trustee signee for CITIBANK 's master credit card trust is not available on the SEC. Neither the SEC website nor the websites of CITIBANK or XXXX XXXX XXXX XXXX XXXX provide this information in relation to this specific trust indenture. The absence of an identifiable indenture trustee signee leaves investors without a clear communication channel as noteholders. 

In the most recent 10-K filing dated XX/XX/XXXX, only XXXX XXXX and XXXX XXXX are listed as signatories, but not in the capacity of indentured trustee signees, merely as trustees. 

I have made attempts to contact both CITIBANK N.A. and XXXX XXXX  regarding this issue but to no avail. XXXX XXXX, in particular, responded via email, stating their inability to disclose this information about a U.S. bank due to " security reasons and to maintain banking secrecy ''. This response is neither valid nor consistent with the Trust Indenture Act 1939 and the National Bank Act of 1863, which guide the operations of the Office of the Comptroller of the Currency. It is worth noting that as part of their registration with the OCC for securities handling, this falls under the Corporate Trust, which governs the fiduciary activities of banks for investors in a specific security. 

The SF-3 filing section for CITIBANK , N.A . states that " The indenture trustee may resign at any time... In all circumstances, the issuance trust must appoint a successor trustee for the notes. '' However, there is no mention of when an indentured trustee signee would be included in the documentation as an update on this matter for the public interest. 

I am requesting that the most recent information be made public, as per the Trust Indenture Act ( TIA ) of 1939, to allow viewing of the current credit card trust indenture information in relation to the indenture trustee signee contact and contact information. 

A court case, Mertens v. Hewitt Associates, 508 U.S. 248, 1993, highlights that withholding such information due to a conflict of interest to the beneficiaries of the trusts as noteholders is not permissible. The case states that fiduciaries are obligated to " the proper management, administration, and investment of [ plan ] assets, the maintenance of proper records, the disclosure of specified information, and the avoidance of conflicts of interest. '' I kindly request your immediate attention to this matter and look forward to an update soon, as this information is not available on the SEC site or the entities listed on the documents in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose
Product: Credit card or prepaid card

The Chase branch in XXXX XXXX, NC ( XXXX XXXX ) would not accept a cash advance from a legitimate card that collects wages for me from clinical trial participation when I presented it along with my ID.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair anf request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report with transunion. I called on XX/XX/XXXX at approximately XXXX XXXX arizona time, to attempt to take care of it directly with them, they stated I have to go through other companies. I reject this as a solution. There are five companies of XXXX XXXX  in my hard inquiries that I don't recognize nor did I approve the inquiry. The companies are 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

In accordance with the Fair Credit Reporting Act XX/XX/XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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 an account without my written instructions.
Product: Debt collection

Collection company is attempting to collect a hospital bill which was already paid by the patients health insurance company. Collection company repeatedly, fraudulently, verifies that the debt is correct even after being notified by patients health insurance company as well as patient 's mother that debt was paid. EOB showing payment amount and in network participating provider documentation have been provided by health insurance and damaged individual. Collection company is currently causing significant monetary damages to consumer by way of reduction of credit score/denial of credit due to this fraudulently publishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi the problem Im having is when I apply for credit I get denied stating I have severe delinquent accounts. On my actual credit report it shows no delinquent accounts. This is causing me to be denied the opportunity for credit.
Product: Debt collection

Please see attached for the debt validation process I have initiated with this debt collector Williams Rush and Associates LLC. 

To summarize : XXXX XXXX  - debt collector received conditional acceptance affidavit letter by certified mail stating that I would pay based on them honoring my legally protected debt validation process. 

Reps continued to communicate with me absent of proof of claim. 

XXXX XXXX XXXX XXXX XXXX  received another certified letter, this time by a XXXX XXXX in good standing who resent my initial request and witnessed their non-response to the debt validation request. 

I have in my possession a letter from the original creditor XXXX XXXX XXXX XXXX XXXX I do not owe a balance. See attached. 

Thanks for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account Number : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance  on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report.

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late.

XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report.

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold toXX/XX/XXXX and should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report. 

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit card or prepaid card

Chase credit card has charged me a fee as well as additional interest over the base interest without informing me of getting my consent. this purchase was not a cash advance but they changed the definition without informing me and refuse to repeal the charges.
Product: Mortgage

On XX/XX/XXXX, JPMorgan Chase disbursed {$940.00} from our mortgage escrow account to pay our property taxes. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX office shows that our property taxes are unpaid. I have repeatedly contacted Chase by secure message and I send a certified letter on XX/XX/XXXX regarding our property taxes not being paid. Chase has repeatedly lied and said that they paid our property taxes on XX/XX/XXXX.  They even told me that they mailed a check to the tax assessor 's office. Last year, we were told by the tax assessor 's office that Chase pays property taxes by electroncic transactions not mailed in check.
Product: Debt collection

I called offering a settlement amount, and while my offer was turned down, I was also informed that federal law prohibits them from accepting less than 50 % of the total amount to be considered as full satisfaction of the debt. As I knew this was not true, I identified it as a lie, after which the representative refused to allow me to speak.
Product: Credit reporting 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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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.

According to 15 USC 1681c-2, This is my statement of all my listed accounts that have been reported without my express, written consent, and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent listed accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Chapter XXXX Bankruptcy Date Filed/ReportedXXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

I was hospitalized and was told I was XXXX. XXXX called me everyday until I was able to pay it off a couple of months later. I do not recall, but I believe they threatened legal action. I told them they could have their money after I died.. They must have thought I was making it all up as they continued to call daily. This was in 2012 ( XXXX ). I can dig up my receipts if necessary but that does not tell how many times that they called me. I am sure their collections has an account of how often they called in their records. The subsequent collection agency they used was Convergent, XXXX Account # XXXX, Convergent Account # XXXX. I spoke to a supervisor about their calling everyday but she told me I had an uncollected debt and they were allowed to call. Although I did n't die, it put unnecessary pressure at a critical time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, XXXX XXXX, XXXX XXXX, Synchrony Bank and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Product: Payday loan, title loan, personal loan, or advance loan

In violation of 10 USC 987 ( Military Lending Act ), One Main Financial is using my credit bureaus to intimidate me into giving them funds that they do not deserve. It is the CFPB that is responsible for reviewing this action. I have paid all required payments to One Main Financial according to law and they are now reporting negative information to my credit. I have also paid One Main Financial approximately {$1000.00} over the required amount. According to your mandate of instructions, I request that the CFPB give One Main Finacial actions a meaningful review according to your mandate of review. 

1. Among XXXX Service Members, 10 USC 987 caps interest rates at 36 %. One Main Financial set the rate at 36 % they can't require anything else. This includes fees. A different version of the contract was sent to the XXXX  than the one they sent CFPB. Please review page 3 on both contracts. 

2. In 32 CFR 232.8, it is illegal for a creditor to roll over, renew, repay, refinance, or consolidate any consumer credit extended to a covered borrower by the same creditor with the proceeds of any other consumer credit extended by the same creditor to the same covered borrower. According to One Main Financial, this illegal action has caused additional payments. 

The MLA prohibits One Main Financial from taking these actions under 10 USC 987. Any amendments One Main Financial claims places them above the law are prohibited. Congress enacted the CFPB to resolve this matter. If One Main Financial is denying coming within compliance with the MLA, the CFPB has the authority to remedy this by the CFPB inherited authority to issue them a mandate. One Main could also be charged criminally under 10 USC 987. This action should not have to be escalated to a congressional complaint. Congress has already given the CFPB the power to remedy. 10 USC 987 provides all XXXX Service Members with a remedy and the CFPB is the agency that provides the remedy. 

Because the CFPB failed to act, One Main Financial is abusing their ability to steal funds by reporting false information to my credit bureau. Because One Main Financial illegal actions put me at risk of compromising my security clearance. I have paid One Main Financial all payments required by law and the contract. I have also given them 3 extra payments averaging approximately {$1000.00}, they should not be allowed to loan shark against a service member and report their actions to the CFPB and this agency takes no action against them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal.

I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several accounts that appear on my credit report, specifically under the names of XXXX XXXX ( XXXX ) and XXXX ( XXXX ), which are reporting late payments with a XXXX balance, as well as XXXX XXXX ( XXXX ), which is reporting a charge off. I request the validation and verification of these accounts, as well as certified evidence demonstrating where I granted my consent for these accounts to be reported on my credit history. Based on this information, I believe these accounts are violating Title 15 of the United States Code in the following sections :