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

I was/am a Wells Fargo ( WF ) customer who was a victim of the scam/fraud that has been in the news lately. 

My story : I opened XXXX checking account and XXXX savings account with WF perhaps 10 years ago. However, about 3 years ago, a WF banker said I needed to open a second checking and second savings account. She gave no reason for this action, but opened XXXX anyway as I watched passively. I did not try to talk her out of this action because I was honestly confused as to what was going on. 

In late 2015, penalty charges were made to my account in the amount of {$30.00} per month for 4 consecutive months ( total {$120.00} ). When I called WF to question why the charges were made, the WF rep said, " Because your accounts are not properly linked. '' I had no idea what " linking '' meant and so complained vociferously about the charges saying this was a deceptive practice. The banker said, " You should have read the account agreement. '' I asked where I would find that agreement ; she said, " on-line. '' The banker finally said she would restore part of the charges and I said " no '' I wanted the full amount restored. I was livid. Finally she agreed and the entire {$120.00} was restored. It was restored, she said, because my account was large enough that they did not want to lose me as a customer. 

In the end, I did not lose money, but only because I spotted the charges and complained loudly to WF. And because I had a large balance with WF. Nevertheless, I would like to see my complaint go into the WF file. 

I conclusion, I have found WF to be deceptive about their business practices and continuously high-pressuring in their sales practices. It is impossible to do business with WF and not get a " full-court press '' sales pitch from them on their various products. It 's a terrible business model. They are the enemy, not the trustworthy banker you expect. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One processed one UNAUTHORIZED hard credit inquiry with XXXX on Tuesday, XXXX XXXX 2017.
Product: Debt collection

The person asked for my social number and I informed here that I had fraud on my social security number and was notified by IRS that someone tried to file on my SS # to get my a refund, I said that I received many calls for XXXX XXXX and for debt, I gave the woman my phone number, and that was all that I can get per the talking to my lawyer and the that I filed a police report per the IRS and that I was notified not to give information. I ask what can give. I explained that I worked for a bank, XXXX XXXX XXXX XXXX why have have not sent me a letter and that they kept kept bring up their lawyer and why Not letter from a lawyer. Please help me. I am XXXX and Ill health. The money I used on my credit cards was for my medicines due to poor health and food being a XXXX XXXX XXXXXXXX. Also, they have my social security number but it was stolen thru my mail XXXX who was arrested. So having my SS # does not justify it to be my account. The women kept bring up that they were a law firm and part were filed.
Product: Checking or savings account

On XX/XX/XXXX I ordered my online groceries. I typically order directly through the XXXX app and Ive never had an issue when cancelling an order, having the money back in my account promptly when I banked with a different provider. 

The reason Im concerned is because it shows as a good on my account. My understanding is a hold and purchase are different. 

I urgently filed a report with my company and asked them why they couldnt return my funds as they never were authorized to leave my account. It will typically come out of my account as soon as Ive signed for my groceries. When I called on XX/XX/XXXX they told me it would be 3 days to return the funds. 

Today is Thursday, XX/XX/XXXX. So I called again to XXXX. The woman I spoke with had no solution and told me she would escalate this again. When I asked for a supervisor I was met with XXXX from their company saying she was a supervisor. After I was unhappy with her service and her not answering my questions on why they posted this transaction and didnt release funds promptly she told me their was no other supervisor I could speak with. I asked to speak with her claims department and she told me their only accessible by email. She then refused to give me their email. She refused to give me an employee number or anything to identify who I was speaking with. 

As a consumer Im very concerned with my security and how they allowed this to happen and how they allowed this to go days without anyone actually seeing the problem and assisting. 

Thank you so much for your time and assistance here. Ive never been so scared to purchase something when its my financial institutions job to ensure my transactions are authorized and true.
Product: Credit reporting or other personal consumer reports

Trust has not proved in over 90 days I did not make payment by phone then because I did there systems were messed up and it is all on call and tape I will please remove now and the late they stuck on for 2022 themselves had a breeches in information.
Product: Mortgage

I was granted a Forbarence on our mortgage, we have paid all payments back and current with loan. I have asked for my original Forbarence documents listing terms with the loan and payment plan. I have tried to get these documents for 3 months without any success.

Every time I call I get a run around and sent generic forms without any loan specifics. When I ask to speck to a supervisor or Manager I am told No or that I would be called back. To this day I have called 13 times and never had a return phone call or received the original forbarence documents for my loan. I need these documents to refinance my loan. My Mortgage broker also has tried to request these documents while on a conference call with myself and CitizensOne without any success. 
XXXX XXXX Mortgage XXXX Attn : XXXX
Product: Student loan

XXXX called and spoke to rep. On XX/XX/XXXX I uploaded a copy of {$4000.00} payment check made to them that was sent on XX/XX/XXXX, which they cashed but never applied to my student loan. 

I can not get anyone from Ed Financial to post the check they received to my loan.
Product: Debt collection

I do not know a iQ data international creditor, I want this remove from my credit report. They state I owe XXXX updated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/20 Sent in letter to be dispute accuracy and sources of information on my report. Transunion has took more than 40 days to investigate and has not removed accounts or sent updated report
Product: Debt collection

Hi XXXX XXXX again with my 3rd complaint. I just want to let XXXX know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act. 

Accounts- 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Vehicle loan or lease

I had opened a loan with Chrysler Credit had paid extra payments through out the loan term. At one point during the term I questioned them on how they were applying the extra funds I had submitted and they told me it was going to the term of the loan. Which made no sense. Things got really messy when I ask for a one month extension they put two on there and when I asked why they said that was policy they put those two on the back of the loan. Then when the payment came due they showed it 60 days. At one point I feel behind and they took the car. I had to get it back and paid that ridiculous amount. This car has been paid off but what they are showing is unreasonable fees.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I paid off my lease for Ford Credit and leased another car from Ford Credit, At the time I lease the new car, I paid the I paid the last installment of the current car. The dealership assured me that it would satisfy the remainder of the lease. 
Within a couple of days from leasing the new car, Ford then drafted the payment from my old car even though the lease was satisfied. I have written XXXX emails and called 3 times to get the refund and I am always promised that it would be refunded immediately. The first e-mail said within 10 days. 
After 2 weeks I called not having received it. I was assured it was on its way, A week later ... the same thing. The next time I called they said it would be 24 hours and it would be ACH 'd back to my account. I still do not have the refund and its been a month. Ford Credit drafted a payment on a paid off account and now I ca n't get a refund,,,,,,, please help. 

Thank you.
Product: Credit reporting or other personal consumer reports

My credit report dropped XXXX points from inaccurate reporting. Ive requested several times to update my personal information and its still incomplete. 

I called and no representative could explain why my score dropped. I pay all my bills on time always.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received my most current XXXX XXXX  report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS ONE. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney Generals Office Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email saying CBNA company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally got a student loan through   XXXX   XXXX   XXXX  in my dads name he passed and I sent in death certificate as per request to close the account and forgoven. Never heard from them again or received a bill. Assumed it was wrote off. Recent credit report shows was handed over to naviant and was wrote off as bad debt. Never did I receive a bill or phone since I sent the death certificate or was notified of anything although it is now bad debt and wrote off it still reports monthly on my credit report. I recently saw they were under several lawsuits for doing this to people
Product: Debt collection

I was alerted by my credit monitoring app that there was a collection reporting on my credit report by XXXX XXXX serviced by debt collector Radius Global LL in the amount of {$55.00}. This debt does not belong to me and I have been a victim of identity theft ; I want for all the credit reporting agencies to block and remove this fraudulent collection and debt from my credit report immediately
Product: Credit card or prepaid card

There was fraudulent activity on my XXXX account that occurred late in XX/XX/2019. The 5 charges that went through were : POSTED TRANSACTIONS REWARDS VIEW ALL XX/XX/2019 XXXX XXXX {$1.00} Additional details for transaction on XX/XX/2019 titled XXXX for amount XXXX XX/XX/2019 XXXX # XXXX XXXX {$4.00} Additional details for transaction on XX/XX/2019 titled XXXX # XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX {$21.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX XXXX XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX {$20.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX # XXXX XXXX {$260.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX # XXXX for amount XXXX For a total of {$310.00}. I did not make any of these transactions. I contacted XXXX and informed them of what had happened. I destroyed my credit card after I used the card to finance my XXXX XXXX from XXXX which was nearly 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/AnnTylr is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity Bank/AnnTylr to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Comenity Bank/AnnTylr did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Comenity Bank/AnnTylr to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports due to me being a victim of trafficking and they did and stated that everything was accurate and said that they don't believe I sent the letter in myself and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

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 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 has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

605C of the Fair Credit Reporting Act.

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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX Balance Owed : {$620.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of XXXX closed account # XXXX also my information had been breached my first time learning of issues I have tried to dispute and can not saying verified when it was not same for XXXX XXXX XXXX in amount XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX New City Funding corp XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold between companies., According to 15 U.S.C. 1681 thats illegal an email was sent prior and I called on XXXX to confirm and it was owner by a company name XXXX.