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

Good afternoon, I wanted to raise this issue as I have a feeling many other Wells Fargo customers faced the same issue. Wells Fargo mislead their customers about the effective date of the change to the minimum balance requirement which effectively lowered the minimum balance requirement from {$1500.00} to {$500.00}. 

I received the notification of the change to the required monthly minimum via email on XX/XX/XXXX. The email Subject line is " Options to avoid your monthly service fee are changing '' and the email stated : " Effective with the fee period beginning after XX/XX/2020 ( This portion was bolded for emphasis ), there will be changes to your Everyday Checking account ending in xxxx. 
Avoiding the monthly service fee with 10 or more posted debit card transactions will no longer be an option. 
The options to avoid the monthly service fee using minimum daily balance or qualifying direct deposits will be based on a minimum of {$500.00} each fee period. Depending on your checking account type, this represents a lower minimum for one or both of these options. '' Having received the email, I moved money from my Wells Fargo checking account on XX/XX/XXXX and maintained a balance of {$500.00} ( just above the new minimum for the period after XX/XX/XXXX -- or so I though ). I intentionally waited until XX/XX/XXXX having read the email 's date of the fee period beginning after XX/XX/XXXX. 

I had no idea that the account period itself did not change until XX/XX/XXXX -- so moving money on XX/XX/XXXX would subject me to a fee. I am sure many other customers had monthly account periods that began in XXXX and ended after XX/XX/XXXX. Their announcement was quite intentionally misleading for consumers. 

On today 's date ( XX/XX/XXXX ) I received a message on my account that I had not maintained the appropriate amount in the account as I did not have a balance of at least {$1500.00} for the period ( The requirement prior to the change effective XX/XX/XXXX ). Upon contacting Wells Fargo, they told me that the statement at issue ran from XXXX XXXX XXXX so I was still subject to the {$1500.00} minimum even though I waited until after XX/XX/XXXX to move money from the account. 

I couldn't believe Wells Fargo would use such a predatory tactic again given their past history, in the middle of a pandemic no less. The fee is targeted at those most vulnerable -- people living paycheck to paycheck who would rely on that promised lower account minimum. A XXXX dollar fee is substantial if you earn minimum wage. In short, the bank notified customers of a change beginning with the effective period after XX/XX/XXXX and then still assesses a fine for those with a balance less than {$1500.00} after XX/XX/XXXX. I am sure many people had a balance between $ XXXX {$1500.00} during this period because they relied on Wells Fargo new account requirements that they sent out on XX/XX/XXXX. I can afford the fee and received a credit to erase the fee after contacting customer service -- but I wanted to raise this issue for the many Americans who are not aware and likely had to pay the fee.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, On XXXX I sent Experian the attached disputes. On XXXX Experian sent me a stall letter via email that I have attached not preforming the requested investigation I have requested. On XXXX I responded to Experian with the attached letter and was sent another stall letter via email XXXX still not performing the investigation. The 30 days from my initial request XXXX has pasted. 

Can you investigate this? Many codes from the FCRA regulations and federal laws are being broken. Imagine how many people they are doing this yet and this should not be allowed to continue. 

I have also attached the tracking numbers for my documents.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unauthorized Credit Inquiry by XXXX XXXX  in Violation of FCRA Section 609 ( b ) Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint regarding an unauthorized credit inquiry on my credit report by XXXX XXXX. This inquiry appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( b ), which governs the permissible purposes for accessing consumer credit information. 

Details of the Issue : Unauthorized Inquiry : Upon reviewing my credit report, I discovered an inquiry listed under " XXXX XXXX '' that I did not authorize. I have never applied for or requested any credit product or service associated with XXXX XXXX. 

Potential Data Breach : This unauthorized inquiry raises concerns about a potential credit breach, as my personal information may have been accessed and misused without my consent.

Violation of FCRA Section 609 ( b ) : Under the FCRA, credit inquiries must be conducted with the explicit consent of the consumer or for a permissible purpose as defined by the statute. The presence of this inquiry without my authorization constitutes a clear violation of these provisions. 

Steps Taken to Resolve the Issue : I have attempted to contact XXXX XXXX directly to request an explanation and evidence of permissible purpose or authorization for this inquiry. As of this date, I have not received any satisfactory response. 

I have also disputed this inquiry with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) but have not received confirmation that it has been removed. 

Requested Resolution : I request that the CFPB investigate this matter thoroughly and hold XXXX XXXX  accountable for any improper actions or violations of the FCRA. 

I request that XXXX XXXX provide documentation verifying the permissible purpose or consumer authorization for this inquiry. If no such documentation exists, I request that the inquiry be immediately removed from my credit report. 

I request that measures be taken to ensure that XXXX XXXX complies with FCRA regulations to prevent unauthorized inquiries or breaches of consumer credit information in the future. 

Enclosed with this letter, I have provided : A copy of my credit report highlighting the unauthorized inquiry by XXXX XXXX. 

Copies of correspondence I have sent to XXXX XXXX and the credit reporting agencies regarding this issue. 

This unauthorized inquiry has caused me unnecessary distress and raises serious concerns about the security of my personal information. I trust the CFPB will take swift action to address this violation and ensure compliance with consumer protection laws. 

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

XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...
Product: Checking or savings account

On XX/XX/19 I submitted a paper payroll check from my employer to my Citibank Access Checking Account via mobile deposit. On XX/XX/19, I logged into my account and noticed that only XXXX dollars of my XXXX dollar deposit was credited to my account. As I was unfamiliar with the funds release policy of Citibank, I called them up at approximately XXXX and was told that a portion of my funds would be released that day XX/XX/19 and the remaining balance would be released on XX/XX/19. At the time of this conversation, there was no mention of any problems with my deposit or my account. Around XXXX on XX/XX/19 I logged into my account to see if the additional funds had been released and found that my entire checking account had been removed from my login. At XXXX I called Citibank to inquire why I no longer had online access to my checking account. I was then transferred to the fraud department and was told that it had been locked because the address on my account didn't match the address on the check from my employer. I explained to them that I had moved earlier in the year and had neglected to change the address on my account. This didn't matter to them. I was told the only way that I would regain access to my account and my money was to visit a local branch and show proof that I had a right to have mail delivered to the address on my check. When I explained to them that there wasn't a branch in my state, I was told I'd have to mail proof to a location in XXXX XXXX, TX and that the process would take 5-7 business days. I explained to them that I couldn't be without my funds for this long as I have upcoming bills to pay and asked to be able to submit proof via secure scan or fax and I was told that wasn't an option. So now, I'm going to be unable to pay my bills or put food on my table because I didn't change my address and they won't provide a way for me to expedite this process so I can get this resolved. I feel that this is just a way for them to take advantage of my funds and make extra money from the interest they make off my money.
Product: Debt collection

There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested
Product: Bank account or service

Synchrony Bank : deceptive business practices, poor record keeping of financial transactions, and fraudulent behavior in the servicing of consumer credit payment processing for XXXX : Over week ago received robo-call from " Unknown ''. Answered call - automatic message claiming to be XXXX XXXX. Paid {$1000.00} on account. Later found my XXXX bill and called XXXX at XXXX to verify payment. Agent claimed " we have no record '' of payment. I stopped payment and informed them. XX/XX/XXXX called to payoff promotional amount which was XXXX ( promotion ends XX/XX/XXXX before the can add interest ). Asked why my balance was over XXXX. They claimed late fees and interest. Asked that they send documentation on the late payments. They were requesting I pay current payment and late fee above the promotional balance. 
Called later to pay on account and XXXX claimed that my bank refused the ACH - XXXX XXXX? The payment included the minimum payment they insisted I pay OVER the balance. I called XXXX XXXX twice and they said that there was no reason the ACH should n't go thru. 
Note : I attempted to PAY this joke of a bank several times and at one point they asked for a debit card ( I do n't have now ) and a XXXX way call to XXXX XXXX. 
This morning XXXX XXXX verified No Attempts of ACH was done by XXXX! 
1. XXXX pretended to claim the ACH would not go thru. That is pure FRAUDULENT behavior. 
2. XXXX is dishonest, deceptive and discriminatory for refusing to take a legal form of payment. 
3. XXXX does n't keep records of payment transactions. How can they not know that a {$1000.00} transaction was paid? 

This bank should be banner for banking!
Product: Credit card or prepaid card

This XXXX MC account was originally with XXXX XXXX  and was always reflected as in GOOD STANDING from opening account date in XX/XX/XXXX. Upon the taking over of XXXX XXXX  by CBNA in XXXX, I was informed VIA the credit bureaus on my credit profile that this previously OPEN and in GOOD STANDING account was NOW reporting by CBNA as CLOSED and ACCOUNT INCLUDED IN BANKRUPTCY. Up until XX/XX/XXXX I was STILL USING MY XXXX XXXX XXXX CARD WITH NO PROBLEM. 

I have NEVER had a XXXX MC with XXXX  OR CBNA INCLUDED IN ANY BANKRUPTCY. So either this is fraudulent activity or CBNA is continuing to be allowed to REPORT INACCURATE FALSE INFORMATION with no recourse. I have tried on MANY failed attempts to get this investigated and resolved and have received NO HELP from XXXX or CBNA on the INACCURACY OF WHAT IS REPORTING. As a result of this my credit has been damaged and I have been denied additional credit opportunities. XXXX  continues to report INACCURATE information as VERIFIED. 

How can a company acquire a new XXXX account and be allowed to FALSELY MARK ( at will ) a GOOD STANDING account as now DEROGATORY and INCLUDED IN A BANKRUPTCY upon acquisition? 

I am seeking assistance on getting this matter resolved and this inaccurate account information DELETED immediately from my XXXX  credit profile. I don't mind the account being listed as closed since new ownership ( the damaged is done ), but would like my ACCURATE GOOD STANDING account information since XXXX to remain if possible. 

Your assistance in this matter is greatly appreciated.
Product: Credit card or prepaid card

Regarding my recent Visa dispute amount of {$8400.00} for the lack of results of XXXX XXXX : USBank closed my dispute because it wasn't in the the 60 day timeframe from the XX/XX/20 transaction. The doctor kept telling me to " Wait and see another month, it may look different ... '' each time I contacted him. So he pushed me to wait 6 months, meanwhile, he probably knew the time limit to file a chargeback is apparently 60 days with Visa. 

By the time the doctor finally said, " No, there's nothing more I can do for you, '' it was 6 months post transaction. I had to get the XXXX redone and will likely need one more this year on my XXXX XXXX to look normal again. 

I feel duped not only by XXXX XXXX, but also by the these credit card companies that claim to protect you from poor quality service. How can they protect issues like these when the time limit won't cover " healing time '' requirements by surgeons? 

Thanks XXXX XXXX
Product: Checking or savings account

I am filing a complaint against CashApp, Block , Inc. Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act, CFPA, specifically, CashApp 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 process 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am a XXXX XXXX XXXXXXXX Military Veteran, and have full tax exemption status on my property taxes in Texas. I supplied my letter of full exemption from the XXXX XXXX XXXX XXXX ( XXXX ) along with my original exemption application as instructed by XXXX to my mortgage company, Prime Lending. I sent via online messaging through their website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also tried sending it through the email given by the company without success on XXXX. No matter what size email the email is returned undeliverable. I received a letter from the tax department at Prime Lending stating my letter was insufficient and lacked all of the information required. In referencing their letter on what information was missing I found that my letter contained all of the required information they were asking for. I sent my letter again highlighting the information they requested, and sent it certified mail through the post office on XX/XX/XXXX. Using the tracking number from USPS I see that it was indeed picked up. I have spoken to no less than 5 customer service representatives and 1 manager about the issue. They all tell me that there is no way to transfer me to the tax department nor does the tax department have a customer service phone number that I can call. They refuse to put me in touch with anyone in their tax department and keep telling me that they do not have my tax exemption letter on file. One customer service representative, in fact, kept interrupting me to repeat what she had already said and was extremely rude. I am disturbed that Prime Lending is treating a XXXX military veteran so poorly, and that they are comfortable taking additional money out of my account each month to use to grow their interest in their own account. I want the additional funds they are robbing from me refunded, and if possible with interest that I could have earned in my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a company which I do not even give permission to collect my personal information, was breached in a giant nationwide hack. My personal information was included in the hack, putting me at risk for identity fraud and theft. I do not even know to what extent, or I was one of the 200k whose credit card numbers were included in the hack.
I work in software and understand that even the most diligent corporate entities can be breached. However, Equifax is attempting to capitalize on people 's misfortune by aggressively selling their ID protection services on both the website and the telephone to the very victims of this crime. They are also still charging people to freeze their credit in the wake of this emergency.
This unethical behavior coupled with the poor IT infrastructure and negligence is appalling and needs to be stopped. It 's akin to price gouging hurricane victims. 

I also am extremely concerned for my less tech-savvy friends and family who will likely not go check to see whether they are impacted by this breach. Why is n't Equifax proactively contacting people impacted to aid them in protecting their information? Why is n't some systemic credit freezing being done across all impacted parties? 

Equifax does n't even make our credit reports available online via XXXX. You have to FAX or mail in documentation. So monitoring whether our identities are being stolen is going to be nearly impossible. And only one free report a year - how are we supposed to see if it changes?
This thing is a mess. Equifax needs to offer free credit fraud freezes, notify the injured parties, and  offer people the ability to freely pull their credit report for the next year in the wake of this disaster.
Product: Student loan

I filed for a refund for my student loans I paid during the pandemic through Aidvantage on XX/XX/2022. At that time I was told the refund would take 4-6 weeks before I receive MY MONEY via direct deposit. I called in a few weeks ago and the representative told me my refund was approved on XX/XX/2022. When I asked why I hadnt seen my balance update at all he couldnt provide any answers all he basically said is the process is going to take longer than XXXX weeks. Fast forward, I just called in on XX/XX/2022 ( almost XXXX weeks in at this point ) and now am being told it is going to be 6-8 weeks from when it was approved to have the balance update on my account and then ANOTHER 6-8 weeks maybe longer before I actually get my money refunded. This is ridiculous that every time I call in I get a completely different story on what I should be expecting for a time frame to get MY MONEY back.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is relating to existing complaint XXXX. 
We now received a " standard '' letter from Equifax suggesting that they can not find my credit file AT ALL, siting three potential reasons, none of which apply. 
All indications are that EQUIFAX are resolving complaints with an automated application which couldn't read my name correctly - see attached. 
We are asking for an escalation of the resolution of the practices of this menacing company. We are not able to engage freely in commerce because we are obstructed in lifting the self-managed credit freeze - this IS AGAINST THE LAW OF THE LAND!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX  XXXX Provide Physical Verification ( Unverified Account ) XXXX  XXXX Provide Physical Verification ( Unverified Account ) XXXX  XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX XXXX Provide Physical Verification ( Unverified Account XXXX XXXX XXXX XXXX Provide Physical Verification ( Unverified Account ) * Please remove all non-account holding inquiries over XXXX  days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX XXXX