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

Wells Fargo has had my case since XX/XX/2022. Due to their poor security and systems to prevent fraud, they cashed a check that was stolen by their customer from the mail and meant for the University XXXX XXXX. I have given them, since XX/XX/2022, plenty of opportunity to resolve this situation and transfer my funds of {$6800.00} plus interest and all other costs of my time taken to resolve this situation. After over 6 months of waiting, my last attempt was to go through the CFPB -- and what did Well Fargo do -- again, NOTHING. Instead of resolving the situation, they claim to have tried to contact me for additional background information ( they have had everything they could have needed through paperwork filed with my bank, XXXX and Wells Fargo, as part of the agreed upon banking process ) -- I have no track of any calls or emails made to me. All I received was an obnoxious letter dated XX/XX/XXXX saying that they tried and because they couldn't connect with me they have closed the case. UNACCEPTABLE AND WRONG. To make things worse, on returning from a work trip and seeing this letter, I tried the very next day and for two days to contact the number listed on the letter- XXXX XXXX, Iowa, XXXX. NO ANSWER. I have over 11 calls made to them. Closing this case without finding out from their own team charged with resolving why this has not been followed up on is insulting. Do they think it is okay to just take {$6800.00} without finding out who it really belongs to? We teach children to do the right thing and return anything that does not belong to them in a timely manner. Clearly, Wells Fargo 's customer service process is more about protecting themselves. I expect that the Bureau holds Wells Fargo accountable for this type of behavior and helps consumers like myself in fair and timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by XXXX, XXXXXXXX XXXX XXXX then vacated by XXXX municple court therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was XXXX from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXXXXXX XXXX on XX/XX/XXXX was {$0.00} Someone stole my credit card when I was XXXX and used this card Document # 10 shows that on XX/XX/XXXX, I had been XXXX  since XX/XX/XXXX which had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been XXXX XXXXXXXX in their response states someone made a XXXX  call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states XXXX therefore anyone of millions of people could have made those XXXX  calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in XXXX Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX public schools ( XXXX  ) why would I make a payment to XXXX I didn't even have a kid in XXXX in XXXX This is mere common sense if I was XXXX how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My XXXX XXXX on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.
Product: Bank account or service

They kept adding late charges, my account kept going up instead of down. 
Took me about 9mo. to figure it out. I did call them and raised cane, because I was mailingpayment XXXX weeks before due date. She credited me one late fee. 
I still feel ripped off. I just finally paid off account XX/XX/2015. It should have been paid off a year ago.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year> while making a purchase through PayPal Checkout I was prompted with a promotional message saying " Get {$50.00} if approved for the PayPal XXXX XXXX Credit Card '' I went ahead and hit " Apply '' and was approved for the card PayPal XXXX XXXX Credit Card on XX/XX/year>. I have talked to several PayPal customer service agents, and going back and forth between different departments, however they are unable to find any information regarding the {$50.00} promotion for getting approved for PayPal XXXX credit card, and informed me that such a bonus does not exist, or are unaware of such promotion.
Product: Checking or savings account

On XX/XX/20 I filed bank dispute XXXX with representative XXXX XXXX ext XXXX for purchase made on XX/XX/20 to card ending in XXXX for {$230.00} paid to XXXX XXXX. As of XX/XX/20 merchandise was returned to store at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX -phone # XXXX to supervisor XXXX & cashier XXXX XXXX whose name is on return receipt. Both workers knew I closed my XXXX account before refund but assured me refund would not be " in limbo '' .XXXX XXXX today confirmed XXXX blocked refund but refused to issue refund check. 
XXXX falsely accused me of filing multiple past claims which I closed without repayment in a fraudulent attempt to refuse issuance of final refund credit, despite receipt of both faxed & email copies of store return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Div Adj Serv added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Div Adj Serv has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and filed disputes with XXXX, XXXX and Experian about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
Product: Credit card or prepaid card

I was offered a BP master card gas card with a {$5000.00} credit line. I put a {$1500.00} deposit down to secure this line of credit. I received the card and began using it. I entered my bank information on the website to make my first payment. The first payment was made successfully. 

Then, on XX/XX/2022 my card was declined and I called to ask why. They assured me it was active and that it was working. I went to the gas station and it got declined again. I have tried to use the card many more times and it gets declined every time as shown in transaction history. I have called and talked to customer service and my account rep and they assured me that it is working, but it is simply not working. 

My next invoice became due and I scheduled my payment using the same account I used for my first payment that was saved on the website. This time the payment did not go through for some reason. I checked with my bank and they say that they show no such transaction and there is no reason the payment wouldn't go through. 

I called customer service and again and they reprocessed the transaction. This time it was successful but I was told that it was considered a late payment and that my account would be frozen for a week. I said that my account has not worked for over a month and they said it will work after a week. It still does not work. 

I have included the many emails I have sent to my account rep with no response. 

I just got off the phone today with customer service and they said well your account has is not active so thats the reason it is not working. I am not able to help you though. 

I am past the point of frustration and
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was informed when i call you guys that this dispute i sent previously was rejected. so i am resending my letter and please review and read the letter i sent and i have attached the FTC that you have requested
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarg Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reversing the lost funds was impossible and that tracking these transactions was infeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I had been making monthly payments of {$60.00} a month to Fedloan. From XXXX XXXX-XXXX XXXX they were not posting my payments to my loan. A total {$480.00} that was sent to them over those months was not applied to my balance. When I had tried to contact them there was no getting through on the phone and my emails were met with automated responses that had nothing to do with the issue. My loan is now under another creditor and my balance is still incorrect due to Fedloan.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over the past few months I have been trying to access my Equifax credit report on their site. I even tried to pay for the equifax premier service but kept on getting error message to call. I just called in XXXX/XXXX/2019 and was on the phone over an hour and transferred XXXX times yet no one can tell me what is going on. I can not recieve my free credit report due to an adverse action I had. I only have this problem with equifax.
Product: Mortgage

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report, as it is fraudulent and does not belong to me. The account in question is : Creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have never opened an account with XXXX or XXXX XXXX XXXX, and I believe this account was opened fraudulently. I request that this account be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Attached are copies of my identification and a report showing the fraudulent account. 

This account does not belong to me. 

Thank you for your prompt attention to this matter. Please respond to my request at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX Balance {$500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/ my indentity was stolen from a wallet at airport two years ago with my social security card, birth certificate and identification cards
Product: Debt collection

Please note, the pre-determined categories do not fit my situation, so I selected what I thought was the closest to my situation. 

On or about XX/XX/, Midland Credit Management contacted me via email regarding a XXXX card I once held. In the email, the Midland indicated they would like to set up payment arrangements to resolve the debt and that the debt was in a " Pre-Litigation '' status. I called Midland Credit Management at XXXX and spoke with XXXX XXXX. XXXX advised that I could enter a repayment agreement where an initial payment would be made by the XXXX of XXXX and then bi-weekly payments would begin. After determining an amount that I could afford, I agreed to go forward with repayment. XXXX began processing the repayment agreement and advised me that I was required to do a pre-authorization for ACH withdrawals for the payments every two weeks. I advised XXXX that I would not be willing to do that but would most certainly pay online, as there is an online feature to pay. XXXX then explained that I was REQUIRED to pay via pre-authorization for ACH and that I had no option. I refused and ended the call. 

On XX/XX/, Midland Credit Management sent me a " Pre-Legal Notification '' via XXXX. I reviewed the notice and learned they wanted to negotiate payment arrangements for the account. I contacted Midland Credit Management via XXXX and spoke with an XXXX XXXX. XXXX inquired as to what I wanted to which I responded that I was responding to their letter sent via XXXX. XXXX went on to explain that I could enter a repayment agreement, but that I would be REQUIRED to do it via pre-authorization of ACH and if I did not do this, I was refusing to pay. We went back and forth as XXXX attempted to explain that Midland Credit Management is the biggest company and very professional at what they do. I responded by again reiterating my desire to have a repayment plan with the company but that I would gladly make my payments online. XXXX explained that because I would not do a pre-authorization of ACH that he could not allow me to enter a repayment agreement and that this was a refusal to pay. I explained that I am not refusing to pay, I am refusing to give Midland Credit Management an ACH pre-authorization. XXXX responded by telling me it was the same as refusing and further that I do not have the right to call " up there '' and tell them what I am not going to do. XXXX explained that I MUST allow pre-authorization of ACH. I told him again that I would not allow this, and he proceeded to tell me that they were sending the case to a local attorney and that my wages would be garnished, and my bank account levied. When explained that wage garnishment is not an option, XXXX proceeded to tell me that it was and that this is what will happen because I am refusing to pay because I will not provide a pre-authorization. I do believe the call was recorded. I disconnected the call.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My credit report has been accessed by multiple companies, and applications have been submitted in my name without my knowledge or consent. I do not recognize these fraudulent inquiries, nor did I authorize them. I contacted Equifax, and a representative assured me that these inquiries would be removed, yet they still remain on my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication
Product: Mortgage

XX/XX/XXXX. I called Wells Fargo Home Mortgage to help me with Loan Modification. I'm a XXXX  the market was collapsing. I sent all the information for 2 years. I got really XXXX. I had really XXXX XXXX  for 3 weeks, I XXXX XXXX. XX/XX/XXXX, I found XXXX XXXX Firm, I paid {$6500.00} they promised me to stay in my home and they will file a Mas Joinder Law suit against WFHM. XX/XX/XXXX they file a Lis Pendens. XX/XX/XXXX I received a acknowledgment from WFHM. XX/XX/XXXX XXXX voluntarily dismiss the Lis Pendens. XX/XX/XXXX WFHM FORECLOSED on my home. XX/XX/XXXX XXXX file a Mas Joinder Lawsuit. XX/XX/XXXX a letter from the Sheriff to VACATE.1XXXX a letter from WFHM under-review Loan Modification XX/XX/XXXX Declaration from XXXX XXXX XXXX securitization . XX/XX/XXXX received the Securitization Report from XXXX XXXX. XX/XX/XXXX I did a research and found the Note. XXXX My family and I got EVICTED. XXXX I received the NOTE from UNITED STATES OF AMERICA Securities and Exchange Commission. The NOTE can Not be sold and securitized no more than 3 months. WFM Backed Securities XXXX Trust with a Closing Date of XXXX XXXX. Violation of PSA Invalidates the ownership of the property to the foreclosing party. XXXX XXXX I'm still legally the owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/11 Balance {$0.00}
Product: Mortgage

My mortgage was sold to XXXX from XXXX XXXX XXXX. Loan number XXXX. Now the service of the loan originally done with XXXX has a fixed rate and no adjustment and max late fee of {$28.00}. I get my XXXX check on the second Tuesday of each month and make my house payment. Now this is being mail to different services address so I have no idea when they receive it. This company Shellpoint is attempting to charge some fee over {$500.00} for late. They need to follow original loan. And have only been with them for a few months but major problem with amounts.