23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Netspend committed a Theft/Scam crime. This was very unprofessional of them to take XXXX $ from me off the card and locking me out my account and not having access to my money, This money was placed on this card on the XXXX of XXXX. I placed money on this card for immediate purchase since the company is claim to be one of the fastest card money can be transferred too and used. I was not able to use my Identity because i was not able to give them one missing document that was required and their customer service was terrible. I have screenshots of my account when it had money and i have pictures of all my receipts placing money on the card. I was supposed to use that money to buy my plane ticket and attend my big sister funeral on XX/XX/XXXX in a foreign country and was not able to since my funds on this Netspend XXXX  card was not approved by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a XXXX veteran that was exploited by XXXX XXXX XXXX in XXXX California. We went to get a vehicle and was given a contract with predatory marketing, and we were uniformed of what was happening and the total purchase price was hidden. The vehicle we purchased was a XXXX XXXX XXXX, we put XXXX down as a deposit on a XXXX truck and the contract the representative for XXXX  had us sign a contract which he concealed the total purchase price which was XXXX. We would have never signed the contract if we knew this was the case. The relationship between XXXX and American Credit Acceptance resulted an auto loan which takes advantage of consumers. We contacted the finance company American Credit Acceptance with concerns about negative credit reporting ; this company is reporting increases to the principal balance of the loan to the credit bureaus, even though we have never missed a payment, and they informed us out of {$1200.00} a month only XXXX dollars or so is actually going to principal. This practice has made our credit scores drop. Thank you for your help and time.
Product: Student loan

After entering the XXXX I was provided the benefit of the military student loan repayment program. The loan repayments would be spread across three years and the payments would only go to the principal of the loans. The first two payments in XX/XX/XXXX and XX/XX/XXXX were applied correctly. The final payment in XX/XX/XXXX was wrongly applied to both the principal and interest of the loans. After a year of arguing my issue I encountered an individual at Navient that worked to correct the wrongly applied payment. They correctly applied the third repayment amount all to principal, however, when they went back to reverse the wrong payment they reversed it all from principal instead of reversing the amounts from principal and interest, essentially taking us back to square one. I have called endlessly to have this issue corrected only to be told by Navient employees that it all looks right and it was applied properly. It was n't until early this year, XX/XX/XXXX, that I found a member of their military benefits department that was willing to take the time and listen to me. She said she could clearly see that something was wrong but that it was complicated and she would need to forward it to another department to look at the issue further. That all began to take place in XX/XX/XXXX. Three months later and I am still being told that it 's been forwarded to another department and another department but with no resolution.
Product: Credit reporting or other personal consumer reports

I recently received a copy of credit report and I noticed I had a fraudulent accounts on my report. Please remove these from my report. They are hurting my ability to obtain credit.
Product: Credit card

On XXXX I noticed unexpected charges on my credit card statement for {$170.00} each. The most recent charges at the time were from XXXX and XXXX. Looking over previous months ' statements, I found charges for the same amount on XXXX, XXXX, and XXXX. Each charge showed the merchant as " XXXX XXXX XXXX CA ''. 

That same day, XXXX, I called Wells Fargo 's fraud number to file a claim about the unauthorized charges. The charges were temporarily reversed and I was told the charges would be investigated. During the call I agreed to have my existing credit card canceled and to have a new card sent to me. The new card arrived within one week. Upon receipt I immediately activated it.

About one week later I received a letter from Wells Fargo dated XXXX. The letter informed me that my claim had been denied, citing my continued paying of my credit card 's balance as evidence of authorization. 

On XXXX, I saw another charge on the new credit card from XXXX for the same {$170.00} amount with the same " XXXX XXXX XXXX merchant name. I went to adobe.com and confirmed that their support number was XXXX. I called and talked to two customer service agents. The agents took my first and last names, email address, and the first 6 and last 4 digits of both credit cards that had the unauthorized charges. Neither agent was able to find any account or subscription under any combination of that information. 

Immediately after the call with XXXX, I called Wells Fargo at XXXX. The support agent I spoke with was not able to provide any additional information about why my claim had been denied. They confirmed that they reopened the case for the previous XXXX charges ( those from XXXX to XXXX ) and opened a new claim for the charge on XXXX. 

On XXXX, I logged into my account portal at wellsfargo.com. I noticed that neither of the XXXX claims was visible in the list of claims in my account. However, other claims from as far back as XXXX were listed. I called Wells Fargo again at XXXX. The agent I spoke to confirmed that both claims were indeed open and that there was a minimum XXXX business days to process a claim, so neither had been decided yet. The agent was unaware of why the claims would not be visible in my web portal and asserted that the claims ' absence in the portal did not reflect the actual statuses of the claims. 

After that call, I called XXXX again. I spoke to at least XXXX customer service agents altogether over a series of transfers. The ultimate result was that none of the agents were able to identify any accounts of subscriptions under any combination of my name, email address, or credit card numbers. The final agent sent me an email as evidence that the charges did not originate from XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Checking or savings account

This is specific to US Bank in XXXX WA XXXX XXXX XXXX XXXX and directed at not providing deposit slips to customers. On XX/XX/2019 I went to this branch to deposit money from another personal account I have. There were no deposit slips so I asked did you know you were out. I was told by the banker we do not use these any more. Since we do not have access to copies of the deposits made I asked if this process was going to allow that. The manager told me know. I said I will not deposit without a deposit slip so I can confirm where the deposit came from. I document on the deposit slip where it comes from and type of deposit, which at times the back office has redacted so it does not show on the slip when viewed on line. I was allowed to use a slip by the teller as she had some left. But then later that day I received another check that I deposited at another branch in XXXX XXXX WA where deposit slips were available. When I got to the teller I mentioned I was surprised as I had just been informed the XXXX branch was no longer using deposit slips. He looked at me in amazement as he could not believe what he was hearing. Something is very wrong when a bank does not want you to use deposit slips and demonstrate what where and how the transaction was completed. My address was changed by an employee also without my or the other account holder on the account. Address was bogus.
Product: Credit reporting or other personal consumer reports

this is a violation of the fair credit reporting act, willing-full non-compliance. XXXX verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I did a hard check on my credit history with XXXXXXXX XXXX XXXX XXXX XXXX for a auto loan. 

But unfortunately there was one more check on the same day with different location, BMW Financial SVC from XXXX, OHio. When I tried to reach out them, it is a wrong number. 
Due to the second hard check my credit was badly impacted
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted via phone around XXXX XXXX XX/XX/XXXX by a man named XXXX XXXX who said he was with XXXX XXXX collecting a payday loan debt from Check N Go. He threatened me with legal action, stated if I didn't pay today, civil court proceedings against me would occur tomorrow in my county court, I would be sued, and my credit would be damaged for the next ten years. I panicked, as I had used Check N Go in the past when I first moved to XXXX from XXXX to help pay the deposit on a new apartment. I agreed to pay {$50.00} of the ~ {$270.00} debt. After I hung up, I realized it may have been a scam. I called my bank to see if the hold for the {$50.00} had been placed and they identified the transaction as going to a debt collection company called XXXX XXXX. Research into this company with the XXXX uncovered a XXXX rating of F and several alerts. I then logged into my Check N Go account and found the original password had been changed. I changed it and there was an unpaid debt of {$110.00} on there from XX/XX/XXXX. I paid my previous loans and had no need for the service anymore, as I had been at my new job for a couple months and had steady income. The other red flags this call elicited was that the caller used an old address from several years ago, stated that the check stubs were from an employer for whom I worked until XXXX of XXXX -- and through whom the payday loan would not have been accepted because the last check I received from them was in early XXXX of XXXX. He did not have my current address. I contacted the police, who took a statement. I then contacted the county courts to see if small claims or criminal courts had any cases against me -- there were none.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

I have received phone calls from GC Services about a debt that is not mine but is a family member 's attempting to have me contact that family member regarding the debt. They acknowledged in the first call that the debt they are seeking to discuss is not my own.

They have called several times now, even after I have asked them not to and are leaving ominous messages which include things like my full legal name and asking me to call back individuals who I can not get a hold of. When I called back at the number they left and asked to speak to the person who called I got transferred to silence until I finally hung up. I called back a second time to request one of the three individuals who called to ask again to not be contacted and, although I could hear a sound as though my call was answered, no one responded to me as I spoke.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report a serious case of fraud and mismanagement by Wells Fargo Bank, which has left me feeling helpless and vulnerable. On XX/XX/2024 i deposited {$9100.00} in cash at a Wells Fargo in-person branch location. However, when I reviewed my account online, I was shocked to see that only {$7100.00} was reflected in my account. The remaining {$2000.00} is missing. 

I did not notice the discrepancy immediately because my online access was locked, and I had to visit the branch in person to resolve the issue. Unfortunately, when I went to the branch, I was told that there was no record of the discrepancy and that I would have to wait for the issue to be resolved. However, after multiple visits and phone calls, the issue was not resolved, and I was left with no explanation for the missing funds. 

I am not surprised by this outcome, given Wells Fargo 's reputation for engaging in fraudulent and illegal activities. As you are aware, the bank has been ordered to pay over {$2.00} XXXX in customer refunds due to its illegal practices, including over {$1.00} XXXX for auto lending tactics and over {$500.00} XXXX for surprise overdraft fees and other misconduct related to deposit accounts. 

I am writing to request your assistance in resolving this matter and recovering my stolen funds. I am a hardworking individual who is struggling to make ends meet, and I am finding it increasingly difficult to pay my rent and other essential expenses. The loss of my {$2000.00} is a significant financial burden for me, and I am unable to continue fighting this issue on my own. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Wells Fargo accountable for its actions. I also request that you provide guidance on how to recover my stolen funds and ensure that Wells Fargo takes steps to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have about 67 hard inquires on my credit report that didnt come from me. Ive tried contacting Experian, XXXX and XXXX but they will not remove this misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit card

On XXXX XXXX XXXX I contacted Chase to dispute six charges from " FUNDED ACCOUNT, '' totaling {$940.00}, and one from XXXX XXXX XXXX XXXX XXXX amounting to {$6000.00}. I contested these charges because these companies provided misleading and false information, failing to uphold their promises. 

Upon my initial contact, I provided all requested information, including additional details sent on XXXX  ( attached ). Chase processed the dispute and refunded only two of the charges, refusing to take similar action for the remaining five charges. Their response stated that although my dispute was valid, it was submitted too late for them to intervene. 

In a detailed letter sent on XXXX XXXX XXXX XXXX XXXX I reiterated the specifics of the situation and raised a critical question : why were the two charges processed in a timely manner for dispute, while the other five were deemed too late? Notably, all these transactions occurred within the same two-day period. 

Despite my persistent efforts to seek clarification and a refund for those charges, there has been no communication from Chase up to the present date.
Product: Money transfer, virtual currency, or money service

When Zelle had come out I didnt know if I was sending to the right person at the time not to mention if it was your first time you would have to wait XXXX days to see if they accepted it or even got it. Sever time my money has been lost cause of a wrong number or email
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXXXXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX ACCOUNT Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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: Debt collection

{$350.00} Ive disputed this account several times asking for validation at this time Ive only been sent an itemized letter in response, no documentation bearing my signature was provided as requested by neither the creditor or credit bureaus. At this time I am seeking legal counsel for this matter as it gendering my success in building credit.