23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, my Wells Fargo online banking account was compromised despite having two-factor authentication enabled. The hacker initiated a {$1200.00} cash advance from my Wells Fargo credit card to my Wells Fargo checking account, and part of the funds were XXXX to unknown recipients. A police report has been filed and is attached for reference. 

Timeline of Events : - Unauthorized Transactions : On XX/XX/year>, XXXX XXXX transactions totaling {$200.00} were fraudulently sent from my Wells Fargo account, and a third transaction for {$500.00} was blocked. 

Charges Incurred and Refunds : - On XX/XX/year>, a {$60.00} cash advance fee was charged for the {$1200.00} advance. 
- On XX/XX/year>, {$12.00} in interest was charged on the cash advance. 
- On XX/XX/year>, Wells Fargo credited back the {$60.00} cash advance fee and {$12.00} interest after I escalated my grievance to Credit Card Services. 
- On XX/XX/year>, I was charged {$30.00} in additional cash advance interest and {$14.00} for purchase interest due to Wells Fargos delay in resolving the matter with representative XXXX. This amount has not been refunded and I am unsure as to why an additional purchase interest was included. 

Conflicting Advice and Payments : - Wells Fargo representatives initially advised me not to pay off the credit card balance of {$1200.00} while my claim was under review. Despite this, I returned {$990.00} to the credit card from my checking account on XX/XX/year>, after receiving conflicting guidance. 

Claim Discrepancy : - Wells Fargo opened a claim per XXXX for {$1900.00}, which was inaccurate. The actual claim should have been for {$1200.00} ( the fraudulent cash advance ) and {$200.00} ( the unauthorized XXXX transactions ). This total of {$1200.00} for the credit card and {$200.00} for the checking account should have been properly assessed by competent representatives. There should have been two claims in motion, {$200.00} to resolve the unauthorized XXXX transaction to make the {$1200.00} fraudulent cash advance whole. 
- Wells Fargo alleges that I benefited from the proceeds of the cash advance, which is untrue. I did not authorize or benefit from these transactions. Despite my repeated requests, Wells Fargo has failed to provide the detailed claims file, citing delays, and promised delivery of documents has not occurred. 

Additional Issues : Account Servicing Fees : Wells Fargo charged me a {$10.00} account servicing fee related to this incident, which has not been refunded. This should also be reimbursed to make the cash advance transaction whole. 

Barriers to Closing Accounts : Wells Fargo has placed unnecessary barriers to closing my checking account, citing the need to keep it open for resolution. This relationship should have been terminated long ago, and all account servicing fees charged during this period should be reimbursed. 

Wells Fargos mishandling of this situation has caused significant inconvenience, stress, and financial harm. I urge the CFPB to intervene and ensure Wells Fargo provides a fair and comprehensive resolution.
Product: Checking or savings account

Attempted to open a " Simple Account '' account XX/XX/2020. Without explanation -- was declined ( note this is not a credit product, nor would my credit be an issue ). Very weird. I've read Simple discriminates against permanent residents, but I am a citizen. Unaware of anything that would cause KYC issues. No issues with my XXXX. No method of escalation is apparently available.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about being a victim of fraudulent activity. To remove the fraudulent items from my report, I learned that I need to file an identity theft report with the Federal Trade Commission at XXXX XXXX XXXXftc.gov. Per FCRA section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to help remove the erroneous personal information and inquiries posted to my report. Here is the list of items opened without my permission : XXXX : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX  XXXX NY XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in the consumer 's file resulting from identity theft within 4 business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  accont XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate information in my recent Consumer Report from TransUnion, which I obtained on XX/XX/XXXX. Upon reviewing the report, I found several accounts listed that do not belong to me. I've been trying to dispute these inaccurate information off my credit report for over a month now. Nothing have been removed instead verified. and they did not provide me with contracts that show and prove I am liable for all these debts and I demand all these unknown accounts to be completely removed off my credit report. I also sent certified letters in the mail asking how these accounts got verified and they haven't responded to my letters. been over 15 days and I sent letters before that and been over 30 days. and by law I need to informed. but instead on TransUnion there was no changes What so ever The inaccurate information pertains to the following accounts : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : XXXX XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] XXXX XXXX XXXX XXXX in XXXX and was attempting to secure a business loan. As part of the loan application process, the lender requested to check my credit report from TransUnion to ensure my loan request would not be declined due to any adverse credit history. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which allows consumers to dispute inaccurate information directly with Consumer Reporting Agencies. Despite initiating a dispute with TransUnion, the discrepancies have not been corrected, prompting me to escalate this matter to your office. 

Therefore, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into these discrepancies. I believe TransUnion has violated my rights under the FCRA by failing to ensure the accuracy of the information reported in my consumer report. 

Please investigate this matter promptly and ensure that TransUnion complies with federal consumer protection laws. I request that you notify me of the outcome of your investigation and take appropriate action to rectify this issue. 

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

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Product: Credit card or prepaid card

I believe Citibank closed my credit card accounts due to discrimination. I have solid proof of the discrimination. However I will not disclose that all in this complaint form due to legal action I plan to file against Citibank. Here is my concern with the credit cards being closed. Citibank says its due to recent credit inquiries on my credit report. A day prior I have expressed concern about Citibank 's customer service through a secured message to Citibank. I have a copy of the message I sent to Citibank. It was a nice letter just expressing concern about how I have been treated in the passed by Citibank. I stated that I have been treated awful by Citibank. The next day Citibank closes all my cards siting that I have too many recent credit inquiries. I have had quit a few inquires when they approved me for the card nearly 2 years ago. Last year I took advantage of a lot of great credit card offers. The point is I had many inquires at this time last year and they did not close my cards. Only when I sent a secured message expressing concern about how I have been getting treated by Citibank they close my account. The solid proof I have that backs up this claim will come forward in a lawsuit. And it will prove because of my age and background that Citibank has discriminated against me. The account closure is just added proof. All my Citibank 's accounts were in good standing. I hardly used the cards. I did have a credit balance on a couple of my Citibank cards. I had to call Citibank and request a credit balance refund. I just want to make consumers aware that they need to be cautious when doing business with Citibank. They discriminate against minorities and others to the full extent. And there are other banks out there that are better to do business with that do not discriminate against you because of your age or color of your skin.
Product: Debt collection

This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Product: Student loan

I have contacted nelnet multiple times over the span of the last month to request a 30 day payoff statement, with my full name, full account number, and a breakdown of my loans on it. Every time I request this, they say it will take five business days and then I receive nothing. I feel that I am being intentionally stonewalled here as they know I want to take my business elsewhere but they know I ca n't unless I receive the proper documentation.
Product: Debt collection

Executive financial company contacted me back in XX/XX/2015 and set up a payment plan. Representative argued with me, then was contacted by a supervisor and set up successful payment arrangements via credit card. Bank issued me a new card last week of XX/XX/2015 and the payment did not go through on XX/XX/2015. In a letter dated XX/XX/2015 I 'm contacted via mail that legal action will be brought against me for a " hot check '' and to contact the " hot checking '' department leader XXXX XXXX and that the amount for my collections is due up front in full or legal remides will be brought against me personally. I did not receive letter until today XX/XX/2015 and they want a response within XXXX days of letter being mailed ( not taking account he XXXX XXXX holiday and no mail ). I was not given sufficient time to change my payment method, nor was I given a way to change method as they take the amount they want to each month. They have no set up on the website to manage these things. I feel that Exectuve Financial is bullying me. I tried to pay the full amount on their broken website and I still owe them {$1.00}
Product: Credit reporting or other personal consumer reports

Well this happened a few months ago and I had to turn in the big 3 credit bureau 's for scamming me by lowering my score for no reason at all.After the CFPB investagated the issue the big 3 said we are sorry we made a mistake and my credit score went back up in. the XXXX 'S almost Immediately well here we are again a few months later and they are doing the same thing lowering my credit score for no reason .So I would like to get this fixed once and feral .This is really getting old I am going to sue the big 3 if they do not stop messing with me.
Product: Checking or savings account

I currently have a bank account with Wells Fargo. Someone put XXXX stop payments on my debit card, to pay my credit cards. I did not authorize any stop payments for any payment I was sending out, ever. Once that money bounced back, the credit cards closed all my accounts and now my credit score is being effected. Wells Fargo has no answers for me and no one can figure out what happened. In the meantime my credit score is dropping and my accounts keep closing. I need your help please.
Product: Debt collection

I dont owe them nothing they took it off my credit than put it back on Im willing to go court and submit all my documentation please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Continues to furnish negative information to credit file. Requested removal of XXXX over 30 days Ago. Company failed to comply according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Some of these accounts are a result of identity theft and a report is added to this complaint. 

Account name : XXXX XXXX XXXX XXXX XXXX 

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.

15 USC 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.

These inaccuracies are hindering me from getting a new apartment and I need to move in two weeks. These inaccuracies may cause me and my family to be homeless if they are not removed from my report in a timely manner to allow me to get approved for an apartment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were three late payments on my account with XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB I'm seeking your help in a matter of a complaint I have with Trans Union Credit Bureau. I first contacted them in regards to not having my XXXX home & the property it sits on, listed on my credit report. I told the gentleman that I had documents proving my ownership. He told me to mail them to them, which I did. I received a letter back from them, telling me they added a XXXX temporary statement on my credit report, indicating that the consumer is deceased. They want me to provide a copy of a government issued death certificate & include a copy of a valid Executor of estate document which authorizes me as a person entitled to manage the deceased affairs. Really!!! 

They are referring to my late husband that passed away in XXXX. We both were originally on the home loan, as joint tenants, & when one spouse passes away XXXX bound, it then automatically becomes the remaining spouses name only on all ownership documents. All the properties are now in my name only. My husbands name is no longer on them. The property Taxes they send to me every year, are in my name only. I sent them all the proven documents with my name. On the documents I sent some were the original from when my husband was still alive & has his name also. I have put my estate in a XXXX trust for my surviving son. Is XXXX XXXX. I pray that you can resolve this, in my favor, & will be added to my credit report. Thank you, Blessings. XXXX XXXX Mailed documents to Tans Union 7they received them on XX/XX/XXXX. Had countless phone conversations with them, there after. Transferred me from one dept. to another. Contacted FTC they referred me to you, so here I am. Thank you, Blessings
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute to XXXX about a account on my consumer report ( XXXX XXXX XXXX XXXX XXXX ) stating the account was in violation of 15 U.S. Code 1681a-Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX put the account under investigation. On XX/XX/2022, The account had been updated. The account had been updated as a Collection account and the account is still reporting as open. Also on the status of the account it says collection account/Never late. According to 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. this account is in Violation, they are reporting a collection account and also reporting the account as open and also saying it has never been late. This is not accurate how can the account be open, in collection at the same time, and never late? This is not reporting accurately and how can I be sure this whole account is accurate? According to the Fair Credit Reporting Act, creditors and collectors are not allowed to report inaccurate information and has to be removed from the consumer reporting agencies. Remove this account immediately.