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

This complaint is against Wells Fargo Branch located - XXXX XXXX XXXX XXXX XXXX NM XXXX I have a premier checking account with this branch and doing business with them for last 10 years. I had opened CD account ending with XXXX on XX/XX/XXXX in the amount of {$300000.00} at the rate XXXX  %. I also have two other CD in the amount of {$33000.00} with Wells Fargo. The CD was to be renewed on XXXX XXXX. I also have business account with this branch. 
I was visiting XXXX from XX/XX/XXXX to XX/XX/XXXX. I had visited the branch before proceeding to XXXX, and discussed the case with XXXX XXXX ( banker at the Branch ) about giving us relationship rate since we hold premier checking account which was XXXX % at the renewal time on XXXX XXXX XXXX. I was told by XXXX XXXX to send her email from XXXX to remind her about the renewal. I sent her email on XX/XX/XXXX at XXXX XXXX  which is about XXXX XXXX  MST ( refer doc Email from XXXX XX/XX/XXXX ). When I checked my account around XX/XX/XXXX, my CD was renewed with the rate of XXXX % for the amount {$300000.00}. XXXX XXXX never responded to my email till XXXX XXXX with no resolution to my rates requested.. 
I finally, complaint to Wells Fargo complaint team on XX/XX/XXXX, the resolution given was not in my favor instead ( refer WF Complaint and resolution with Penalty ), they asked me that I had to be physically present at the branch during renewal period. Please refer letter from Wells Fargo on CD mature date, it nowhere mentions that I had to be physically present at the branch ( refer CD renewal and withdrawl doc ). The complaint no : XXXX. 
I had to finally go to the branch and withdraw my CD on XXXX XXXX. I paid penalty of {$1500.00} to Wells Fargo, and I also lost interest of XXXX % from XX/XX/XXXX to XXXX XXXX on {$300.00}. So basically what Wells Fargo did to my CD was in the interest of their own, when they were offering XXXXmonths relationship rate of XXXX  %, they didnt do it in my interest. I would ask Wells Fargo which is more beneficial to the consumer XXXX  % for XXXX months or XXXX % for XXXX  months. I think they know the calculation. 
I had meeting with branch XXXX XXXX, and XXXX XXXX during withdrawl of my CD on XX/XX/XXXX and paid penalty of {$1500.00}. When I asked XXXX XXXX and the branch XXXX for a receipt of having paid {$1500.00} penalty, they said they dont have it the system and cant print. So basically there is no paper or XXXX XXXX of any penalty paid by me. I am still waiting for the document which shows penalty paid. Please refer email conversation with XXXX on XX/XX/XXXX requesting documentation, today is XX/XX/XXXX she has not even responded to my emails ( refer doc Email asking doc for penalty ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT AUTHORIZE, BENEFIT, NOR CONSENT FROM THE INQUIRIES BEING REPORTED ON MY CONSUMER REPORT ( S ). I DEMAND THAT THESE INQUIRIES BE DELETED IMMEDIATELY!! PLEASE VIEW THE ATTACHMENTS ALONG WITH THIS COMPLAINT. 

REPORTING INQUIRIES ESPECIALLY WITHOUT MY CONSENT IS A VIOLATION OF THE FCRA. CONGRESS DEFINES WHAT IS TO BE EXCLUDED FROM A CONSUMER REPORT ( INQUIRIES ARE EXCLUDED FROM CONSUMER REPORTS ), AS WELL AS DETAILS PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ( WHICH YOU HAVE NO PERMISSIBLE PURPOSE ). 

I DEMAND A PROMPT RESPONSE WITHIN 10 DAYS UPON RECEIPT OF THIS NOTICE! THANKS
Product: Checking or savings account

Storm Happen in XXXX in XXXX and we was effected by the tornado. So I reached out to my insurance company and filed a claim. So my insurance company cut me a check for the sum of XXXX the XXXX of XX/XX/2024 and when I went to Wells Fargo ( XXXXXXXX XXXX  ) and I cash the check paid my contractor to get started on the work. Upon my contractor going over the damage he discovered mold in my son closet so picture was taken and sent to my insurance company. Long story short my insurance company cut me another check for edition damage. I go back to the same branch Wells Fargo XXXX XXXXXXXX XXXX XXXX  and deposit the other check in the sum of XXXX on the XXXX XXXX XX/XX/2024 the teller XXXX told me that the funds would be available the next day. Next day I go withdraw XXXX out the bank same branch same teller XXXX. I send my wife XXXX the same day. Now on the XXXX of XXXX the check return because of UNUSUAL IMAGE. I'm in the negative that XXXX and they still have not explained anything they are investigating. My mortgage payment has came back I'm in a huge hole
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my credit report {$580.00} is past due and it's hurting my score.They have never reached out or contacted me in any way saying I owe anything. I have receipts that show my balance with them is {$0.00}.
Product: Bank account or service

I deposited my paycheck from my new job at a Chase ATM on a Friday XXXX/XXXX/15 before bank opening. The receipt said it would be available on Tuesday XXXX/XXXX/15 XXXX days. 
On the morning of Tuesday XXXX/XXXX/15, the hold was lifted, but I received another email stating there is a new hold by the fraud department that will be in place until XXXX/XXXX/15 ( XXXX days, XXXX days from the date of deposit ). 
I called and the agent said the issuing bank has a policy of not verifying checks over the phone. 
I talked to my boss, she said the check cleared from the corporate account on Monday XXXX/XXXX/15. 
I called an agent again, she told me that the only way to get my funds released was to:1 ) Take my boss with me to a Chase branch2 ) Both of us show XXXX forms of ID3 ) My boss show the teller her access to online banking at the issuing bank with the cleared check. 

I recently graduated from an XXXX program. I have been a single mom on XXXX most of my life. I am not making too much money for my XXXX and XXXX benefits and I will be out of food, unable to pay my bills, and unable to get to work if I can not get these funds sooner. 

Please help.
Product: Checking or savings account

Check written on the XXXX on the XXXX Northern Trust states the signature do not match on the XXXX they remove {$55000.00} from the account and it XXXX tied up for 48hrs and counting on the XXXX I set up an external account to transfer additional funds into account to write another check on the XXXX I receive two verification deposits, but the Northern Trust companies ' site would not take them on the XXXX I try to put in the two verification deposits again and I get the same message. 
I call Northern Trust. they can not figure out what is going on and the {$55000.00} is still not credited back. So I can not take money out I can not transfer money in to write another check to complete the purchase of my home and Northern Trust can not assist.
Product: Credit reporting or other personal consumer reports

When I had viewed my credit report there were hard inquiries that were not mine.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I authorize any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 


Summary of Accounts being challenged in list form XXXX - Account XXXX This is not mine. 

XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX  may presume that no proof of the alleged debt nor therefore any such debt exists XXXX - Account XXXX I don't recall XXXX late payments on this account XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX may presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXXXXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Consumer Loan

I went to XXXX to buy a car. i did not know that I was being a victim of predatory lending practices. I was very interested in purchasing the XX/XX/XXXX XXXX At the time I owned a XX/XX/XXXX XXXX and was trading it for the XXXX. I still owed on the XXXX in amount of {$16000.00}. I believe the salesman took advantage of me, my age and the oppurtunity to make a sale. no matter the price or the financial harm it may have on a ususpected consumer now and in the future. besides the high price of the vehicle {$35000.00} and the insane thought to include a partion of the balance owed on the XXXX ( {$3900.00} ) and to toss in a dealer warranty of ( {$4500.00} ), which will have a detramental effect on the ability to try to trade or refinance the vehicle. this was not explained to me. In all to have a total finance amount of {$43000.00} at XXXX % for XXXX months. if the vehicle is already questionable to be value at {$35000.00} the selling price, it will never have a chance to be traded or refinance with now having a total balnce owed of {$43000.00} plus finance charge of {$12000.00} for a grand total of {$56000.00}. this is already a proven fact with Wells Fargo, Due to their denial of refinance with them to get a reduce interest on the vehicle. which proves if this was not a good deal for them than it was not a good deal for me. I was coherce into buying the vehicle not fully understanding all of the charges that were included in the amount that was finance. or how this would effect my ability to refinance or trade.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, as 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 reporting, credit repair services, or other personal consumer reports

I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX experian the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Here 's our problem : We refinanced our RV with Bank of the West in XXXX of this year. Bank of the West, as of this date, has yet to send the title for our RV to the California DMV and as a result the California DMV has not sent us our XXXX registration and plate tags, which were due back on XX/XX/XXXX. 

Here 's the chronology : We paid the California DMV for the registration fees of {$950.00} on XX/XX/XXXX, the California DMV cashed our check on XX/XX/XXXX. 

We received a letter from Bank of the West on XX/XX/XXXX indicating we hadnt paid the registration fees. 

We received a notice from the California DMV on XX/XX/XXXX informing us they didnt have the title to our RV and couldnt complete our registration for XXXX. 

We have called Bank of the West to complain about this numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. We sent them a letter outlining the problem after our first call on XX/XX/XXXX and sent it next next day delivery on XX/XX/XXXX, XXXX tracking confirmed delivery on XX/XX/XXXX. 

They have told us each time we have called that a manager would get back to us in 24 to 48 hours with an update. No one from Bank of the West has called us with an update or solution, forcing us to call them each time and go through the problem again. 

Bank of the West has given us nothing but a runaround with still no solution in sight and our RV still does not have current registration and plate tags for XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX I made a payment of {$700.00} for a booking on XXXX for the dates of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. During the stay I had a couple issues with the lease hoder and the company themselves. For instanse, the neighbor next door made the stay a lot worse on the XXXX during the stay, when a party was taking it's lead to bigger factors involving illegal activity. XXXX XXXX XXXX  ( XXXX ) arrived to the location of the unit and ceased the event, but XXXX it resumed again with heavy traffic and loud noice and of course i reached back out to the host and I made another call to reported to XXXX. Every time I reached out to the host. I was ignored, felt like. Even though I was told if I needed anything they would be there to assist every way, however, the host was non responsive the entire weekend. XXXX  evening, the host decided to respond to let me know that they will report the disturbance to the Building Manager. I explan to the host due to the disturbance, it deffiently made the stay change from leisure to restless XXXX and XXXX Even with the request for clean towels or to come clean the room, it was returned as if I was a bother to them. When I reached out to XXXX and informed them about the stay and that I wanted my money back at least, because for one the trip was a worse experience, especially with the lack of communication from the host and company alone. I explained to the XXXX  that it wasn't right and that this isn't fair that I was ignored and that i didnt have any assistance with the concerning issues. I contacted Chime on XXXX XXXX  to file the dispute. On XXXX XXXX, Chime requested for me to upload my supporting documents for the dispute. On XXXX XXXX Chime emails me and states that they have completed the investigation and that the charge was not an error. ( not exactly what I disputed as ). So I requested for Chime to send me the documents used inthe determination for the final outcome on XX/XX/XXXX. Without any more notice, Chime declines again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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: Credit card or prepaid card

I just received notice on XX/XX/2019 from American Express that they are dropping my credit limit, even though I have made payments on time to them because they looked on my FICO report, without my permission, and saw that my FICO score dropped because I missed one payment to another company. This reduction also reduces my FICO score. I can not get in touch with American Express because I just received the notice today XX/XX/2019. I think there are three issues. One, they used my FICO score without my permission and two they dropped my credit limit below the credit limit which I have had, and three they did it and it increases the rate on the credit card because I am over the limit now. American Express unlawfully peeked at my report, and dropping the credit limit from {$13000.00}, to {$8500.00} which decreases my credit score, and also increases the APR. I can not make payment with an increased APR.