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

Wells Fargo has, on multiple occasions, debited my business checking and business savings account {$3.00} for viewing an image of a deposited check online. This is a feature on their website that is offered without any mention of a fee being incurred when you click on the link to view the image. I can look at check images for free in my personal checking account, but not on the business account. 

This strikes me as a penny ante way for Wells Fargo to dip into their customers accounts without expressed permission, at a low enough fee that it will go unnoticed by most. But today it got worse. I found the charge for viewing a check image on my business savings account. I have n't deposited a check into my savings account in over 6 months ( I typically make all deposit into checking, then transfer funds to savings ). It 's not even a possibility that I would have viewed a check image in my savings account last month, but they withdrew a fee from it anyway. 

I think its a sad state of affairs when a bank tricks its clients into incurring fees online without any sort of warning. I find it ridiculous that I should have to comb through my statement each month to see if my own bank dinged me with a ridiculous penny ante scheme.
Product: Debt collection

Apparently a Debt Collection company called Receivable Management showed up on my credit report in 2019. I have since been sending the company letter to delete this collections from my credit reports because I have no knowledge of this account and the account is not mine. The collections amount that is stated on my credit report is in the amount of {$360.00} and it says the original creditor is XXXX XXXX. This can not possibly be my account because I am still with XXXX XXXX. and have been for a while. I have tried to rectify the issue with the collection agency with a letter sent stating the issue and asking them to remove this collections account with the credit bureaus but they have yet to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I paid off a charged-off account with XXXX XXXX XXXX 
XX/XX/2022 I received a letter from XXXX XXXX stating they issued a request to the three major credit consumer reporting agencies, XXXX, Equifax and XXXX to update the account as PAID-Charge-Off. 
Equifax updated the account AND opened an additional XXXX XXXX account causing a duplicate account to be reporting twice the negative. 
I have called XXXX XXXX twice, XXXX and XXXX and both times they have reviewed and stated that only one account with their company has been reported to the credit bureaus and theres nothing more they can do. 
XXXX I sent a registered letter along with supporting documents to Equifax requesting they fix the duplicate issue, they opened a dispute, completed the investigation on XXXX without a written explanation of the results. 
XXXX The duplicate account is still on my Equifax report.
Product: Checking or savings account

Transactions on XX/XX/XXXX and XXXX amounting to XXXX I reported it on XX/XX/XXXX with documents, thy gave me a line of credit expanding about 20 days. Than denied my claim.they gave me a Email to request reasons why denied that wasn't valid for them to provide the details of why it was denied. I have documents showing a new sign in. Hacked my XXXX account and that was proven.
Product: Checking or savings account

Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges from XXXX. Wells Fargo Bank XXXX XXXX says that she would get all charges and fraudulent transactions illegal unauthorized fraudulent transactions and charges and provide me a reason for why the transactions were allowed without alerting me or flagging the accounts. She after 70 days has not accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized transactions and has not accepted responsibility or give me a refund or reason for the unauthorized fraudulent transactions and XXXX XXXX XXXX  and XXXX immediately accepted responsibility. DC police report XXXX was supplied to Wells Fargo Bank.
Product: Credit card

I called my credit card co. to pay off my debt in full on XX/XX/XXXXl. I did, and then I received a refund from an online company that owed me {$58.00} and it posted to my credit card on XX/XX/XXXX as well ( it shows on the statement ). On my next bill, which I got today XXXX/XXXX/15, that refund was absorbed into some make believe charges that the credit card XXXX said I owed in interest, and that I still owed them an addtional {$4.00} and some change. I said why was n't that interest included in my payment when I paid off the credit card in full? They said it was to accrue over the entire month when my bill was actually due. 
Now mind you, my billing date is the XXXX of every month and I paid in full on XX/XX/XXXX. So, I was charged an entire month for interest on a bill I paid on the first, but they said it did n't matter and calculated what would accrue over the entire month up until XX/XX/XXXX. That seems pretty unfair. How is it collecting interest if it was paid off on the XXXX of the month 3 days after my last bill was due and paid for before XX/XX/XXXX, which I paid on XX/XX/XXXX, and it was more than the minimum amount due. So, I was charged about {$65.00} in additional charges after I paid my account completely off. I want someone else to explain this to me, or I am going to think I was penalized for paying my account in full.
Product: Checking or savings account

Non refundable processing fee of {$120.00} due to unknown legal order. As a result, other transactions became insufficient funds with fees.
Product: Credit reporting or other personal consumer reports

I closed my account which is a student loan and magically it reappeared on my credit report and experian and XXXX keep validating an old closed account as a new opened acount with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account listed as XXXX XXXX multiple times with Transunion and they refuse to delete the account. Both XXXX and XXXX have both deleted the account due to inaccurate reporting of information but somehow Transunion continues to report it as Verified as accurate. On XXXX they issued a response updating and reaging the account when I asked for it to be deleted. They updated date updated, original creditor, and payment received. The FCRA states that an account must be deleted for inaccurate reporting, yet they continue to report it as accurate. I sent a third dispute letter on XXXX requesting them to validate the debt and send me the documentation that proves exactly how they verified the account and all they sent me was a generic letter stating they called the creditor, this is unacceptable. Also, they did not update my credit report to show that I'm actively disputing the account. This inaccurately reported account must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.
Product: Debt collection

Hello, I just got something in the mail saying I owe XXXX $ to XXXX I havent had a phone with them since XXXX years ago. I had line with them but on one phone that was on a promotion and a line for a XXXX. Im am very confused with how I owe XXXX $ when both the XXXX and XXXX were paid off and the only thing I was paying for were lines. I asked the customer support people before I canceled the line on my account and I guess they shut down my account? Im not sure what happened and when I asked if I owed anything they said no everything is paid off and I should have my last bill paid at the end of XXXX. Which was about XXXX XXXX Now Im seeing I owe {$900.00} to a debt collector company? This is insane because the only reason I canceled the line was because I no longer owe anything to that company or else I wouldve just stayed paying the debt i owed. Please lead me the right way or if theres anyone that can help me with any of this. The XXXX account number that shows here is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, credit repair services, or other personal consumer reports

The following inquiries on my TransUnion credit report does not belong to me. These inquiries are the result of XXXX security breach. The inquiries are : 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 reporting, credit repair services, or other personal consumer reports

I have a account in collections from National credit adjusters. On my XXXX and XXXX credit report. I have no ties to this company never made a verbal agreement or sign anything from them ask to validate never provided any proof. Also shows the account went into delinquency XXXX but it says that I open this account in XXXX. I would like this collection removed from my credit report since they failed to provide proof this is mine.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Product: Student loan

I have applied for the SAVE plan 4 times, and each time my servicer has calculated my payments too high. I have verified each time with the customer service representative what my payment should be, but when I receive the paperwork with the new amount it is usually {$100.00} more than the simulator says it should be. I do not feel they are taking into account all of the information on my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX CT, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX they are not mine please delete from my credit file.
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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

As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$430.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Product: Debt collection

The are calling me from different numbers, texting me, and emailing for a a payment on my car. Threating to repo my car pull my contract, just harassing me, and it starts before my payment is due and the worst part they report to the credit bureau and they have not reported me late one time so im not understanding why all the harassment.
Product: Debt collection

CMRE debt collectors agreed to remove this account from their records and my credit report. They re-added the account to their records and has not removed the account from my credit reports.
Product: Debt or credit management

I am writing to file a formal complaint against Strategic Financial Solutions, XXXX XXXX, and XXXX due to fraudulent practices that have resulted in significant financial loss and emotional distress. In late XX/XX/XXXX, I engaged with Strategic Consulting in an effort to better manage my finances. Unfortunately, this decision led to an agreement with Strategic Financial Solutions, who then involved XXXX XXXX and XXXX for handling my payments, under the promise of providing substantial debt relief and financial improvement services. 

Details of Transactions and Lack of Services Upon signing up for their services, I was assured of receiving guidance and assistance in debt management. However, despite my compliance and regular payments totaling {$3500.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No services were rendered. Each payment was made with the hope and understanding that I would receive professional assistance, as was outlined at the initiation of our agreement. Regrettably, not only were services not provided, but my financial situation has severely worsened as a direct consequence of this engagement.

Reference to Similar Cases It has come to my attention that the Consumer Financial Protection Bureau ( CFPB

) and seven state attorneys general have filed a lawsuit against Strategic Financial Solutions for illegally swindling more than {$100.00} million from financially struggling families. This information suggests a systemic pattern of deceitful practices by the company and its affiliates, further validating my grievances and the financial harm inflicted upon me. Impact and Desired Outcome This experience has inflicted significant financial loss, amounting to {$3500.00}, and has placed me in a more precarious financial situation than before my engagement with the companies mentioned. Beyond the financial loss, the stress and frustration resulting from this ordeal have been overwhelming. Given the circumstances, I respectfully request a thorough investigation into my complaint against Strategic Financial Solutions, XXXX XXXX, and XXXX. I seek a full refund of the amounts paid to these entities, amounting to {$3500.00}, along with additional compensation for the financial turmoil and emotional distress caused by their actions. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and undertake appropriate measures to investigate and rectify the situation. I am willing to provide further documentation and details as required. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AIDVANTAGE -XXXX XXXX XXXX XXXX aidvantage.com XX/XX/XXXX I have been trying to contact Aidvantage for months, emails, faxes, phone calls. XXXX transferred my servicer to Aidvantage XX/XX/XXXX. The problems ( 1 ) My students loans were discharged in XX/XX/XXXX by the XXXX XXXX XXXX finalized in XXXX. Aidvantage ( and you XXXX ) keep reporting the balance of {$200000.00} to the credit bureaus. ( 2 ) Additionally, Aidvantage incorrectly reports the loans were from XXXX XXXX XXXX. They were from XXXX XXXX I sent numerous emails, faxes, phone calls no one answers. This issue is intentionally hurting me and my credit. This needs to be corrected and reported correctly. I owe XXXX I have also contacted the CFPB, XXXX and my Senator. CORRECT THIS. 
I HAVE ATTACHED THE INFORMATION CONFIRMING THE LOANS WERE FROM XXXX XXXX 

Regards, XXXX XXXX XXXX Cc : file
Product: Money transfer, virtual currency, or money service

Hello I am filing a complaint against cash app ( block.inc ) due to inadequate & poor customer service as well as unfair practices. Which violates the Consumer Financial Protection Act ( CFPA ) specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with basic error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a mortgage loan and they are unable to obtain my Equifax credit reports due to the fraud alert and the way they have my name reporting on their file. My name is XXXX XXXX. Equifax has XXXX XXXX and this is not my name. I have disputed with Equifax many time to remove XXXX because that is not my name. Also, I will need to add my contact telephone number to my credit file. 

My correct name : XXXX XXXX My contact telephone number is XXXX
Product: Money transfers

I wanted to transfer money from my debit card to a bank account in XXXX. 
This was denied by Western Union after asking multiple questions and accusing me of fraud.
Product: Checking or savings account

It appears that my personal checking account at PNC Bank can not be connected to my business checking account at another bank. My business account uses the XXXX XXXX to connect, which PNC has outright blocked. This is extremely annoying and limits my ability to move funds between my accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I did a complaint on equifax, XXXX XXXX XXXX. Equifax responded asking to verify my identity claiming they were unable to locate a credit file in our database with the identification information I gave. I would like to send them the documents they need to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXXto file a complaint as well.
Product: Payday loan, title loan, or personal loan

I applied for a loan with Stilt on XX/XX/2022. They waited until XX/XX/XXXX to approve my promissory not which I signed at XXXX Eastern time. The company waited until XXXX pm pacific time to disberse the funds. I have not received the funds and still may not receive the funds until XX/XX/XXXX but they are charging me interest as of XX/XX/XXXX when I should have receive the funds. By the companys own admission they only