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

On XX/XX/XXXX I noticed a recurring transaction for {$280.00} sent to XXXX. Given this purchase was unrecognized by me ( I had no recurring payments to XXXX  in the past ), I contacted Wells Fargo and stated that this website had my debit card information stored during the free trial and charged my account for it's annual fee without my authorization and stated that the service was unused. I had a similar claim ( # XXXX ) for a XXXX subscription that was refunded back to me on XX/XX/XXXX. I contacted Wells Fargo requesting why the XXXX  claim was denied and was not given an explanation aside that they concluded it was denied. 

On XX/XX/XXXX, I placed a claim for a merchandise purchase to XXXX XXXX XXXX for {$260.00} because the item was unreceived ( package was lost, and not delivered to my house ). I contacted XXXX XXXX XXXX as well in this matter, and did not receive any assistant in this matter ( package said it was delivered, but clearly to an unknown address ), which is why I filed a dispute with my bank but this was denied ( again no information was provided aside that it was denied ). 

I filed Claim # XXXX on XX/XX/XXXX for unauthorized recurring payments to XXXX XXXX that were already refunded back to me on XX/XX/XXXX. However the same Claim ( # XXXX ) filed that day for other subscriptions ( a few XXXX XXXX, XXXX XXXX, and XXXX  ) were not completely refunded. When I called to ask for the status on this earlier today XX/XX/XXXX, I spoke with a rude representative that did not intend to help me in this matter, and could not provide a solid explanation for why the claim is still unresolved. Per Wells Fargo Policy, claims are supposed to be dealt with within 10 business days, and if not resolved account holders are given temporary credit. However, I was only refunded for {$160.00} out of the total {$270.00}. 


For a company that mentions the term " Zero Liability '' in reference to unauthorized and fraud charges on their website, I feel I have been treated incredibly unfairly and pretty far from what I would expect from any customer service. Throughout the entire process, I felt like I was working with a third party outsourced call center with zero accountability to Wells Fargo customers. I never spoke to the same person twice and was unable to reach any individual to whom I had previously spoken to about my case. This is not the kind of service I expect from my bank, and not the kind of service any bank should be able to provide.
Product: Checking or savings account

Wells Fargo has program on its website called Overdraft rewind. If a check cannot be paid in nightly processing due to insufficient funds, but a direct deposit is received the following morning by XXXX, they will pay the item and not charge overdraft fee. I work for XXXX and am paid via direct deposit. I met all the program requirements and was charged overdraft fee anyways. They claim the pay  from XXXX is a transfer rather than a direct deposit. It is so misleading and consumer cannot know the difference. Its an electronic pay deposit from employer. The Wells Fargo representative wouldn't reverse the fee and said they she only knew it isn't direct deposit due to coding. This  program is so misleading. I request to file complaint and have my money refunded.
Product: Debt collection

That is an old debt it should be gone from credit report its been over 7 years from 2015
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Chase Bank and XXXX XXXX XXXX regarding the misuse of my credit report, which violates federal laws and my consumer rights. 

I want to emphasize that I have already opted out previously from having my information reported, yet Chase Bank and XXXX XXXX XXXX disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. 

Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, Chase Bank and XXXX XXXX XXXX did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. 

Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, Chase Bank and XXXX XXXX XXXX have infringed upon my privacy rights. 

Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations.

Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. 

I demand that Chase Bank and XXXX XXXX XXXX immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account ledger, forward flow agreement, XXXX XXXX, and chain of title. Failure to provide these documents would indicate that they can not prove that anything is owed at all. 

Moreover, I want to highlight that Chase Bank and XXXX XXXX XXXX have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. 

Neither Chase Bank XXXX XXXX XXXX XXXX has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). 

Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  credit card department, run by XXXX XXXX  of fraudulent charges made in XX/XX/XXXX. I received an e-mail confirmation from XXXX for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XX/XX/XXXX. XX/XX/XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XX/XX/XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {$16.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$79.00} on XX/XX/XXXX Since the credit report ran on XX/XX/XXXX, when I realized there was an issue, I have spoke with XXXX 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called Nelnet to work out a payment arrangement. Their website was trying to give me a deferral and I didn't need a deferral, I could payt but needed the payment reduced some. Upon speaking with a Nelnet representative, I was informed that unless I paid the full OVERALL past-due amount, my credit report would not reflect an updated payment status. I have a recorded call where your representative explicitly stated this. However, I find it misleading and unfair that seven ( 7 ) accounts are reported as delinquent when they are managed under one ( 1 ) account on Nelnets website, which reflects ONE FULL PAST DUE balance due. If the website give your balance due - if you are reporting 7 individual accounts, I should get to see 7 past due accounts on your website and should be able to pay however many I am able to. 
The impact of reporting all XXXX ( XXXX ) accounts as XXXX days late has severely damaged my XXXX XXXX, dropping it by XXXX points. This reporting practice does not seem ethical, and the collection practices are giving deceptive. Especially considering I was not given the option to pay the accounts individually to prevent multiple late marks. I have been actively making efforts to pay and did not require a defermentonly a payment adjustment. 

Given these circumstances, I urge you to reconsider and correct the reporting of these accounts to reflect a more accurate and fair assessment of my creditworthiness. I would appreciate your prompt attention to this matter and a written response confirming the resolution. 
Thank you for your time and consideration. I look forward to your response.
Product: Checking or savings account

Capital one has withheld my direct deposit in addition to several other users reporting same problem and capital one has not given any clear explanation in regards to the situation at hand nor an eta of when we can expect the problem to be rectified may customers whose payday as come with no access to their money nor any directive on what's causing the issue. Capital one blames a third party processor who has stated that all systems are up and running
Product: Credit reporting or other personal consumer reports

I am submitting this statement to formally request an investigation into the debt reported by RADIUS GLOBAL SOLUTIONS and XXXX XXXX XXXX, which I believe has been illegally reported under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I contacted RADIUS GLOBAL SOLUTIONS and XXXX XXXX XXXX to request the original purchase agreement for the debt they claim to have acquired. I was informed that they do not possess such a document. 

According to the FCRA, specifically 15 U.S.C. 1681s-2, furnishers of information have a legal obligation to ensure the accuracy and validity of the information they provide to credit reporting agencies. The inability of RADIUS GLOBAL SOLUTIONS and XXXX XXXX XXXX to produce the original purchase agreement demonstrates that they can not verify the legitimacy of the debt. This failure not only undermines the credibility of their claim but also violates federal law, as unverified or inaccurate information must not be reported or maintained in a credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX has violated my rights to privacy. 

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 : 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 items of information, other than the 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, credit repair services, or other personal consumer reports

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX Equifax and XXXX XXXX collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Product: Debt collection

Good afternoon, Thank you for your time.

I leased a car from Mercedes Benz.

The release was paid in full at the beginning of the contract.

When I returned the vehicle there were no other funds due. MB claims to have identified damage and charged me an additional {$620.00}.

They sent numerous notices to an incorrect address.

When I became aware of the debt, it was in collections with Mercedes Benz Financial Services ( MBFS ).

I called them immediately and we settled on paying {$400.00}. They were to send me the info where payment was to be made. They did not.

I called them again after receiving another notice.

I made payment over the phone, with MBFS for the full amount on XX/XX/19.

MBFS has continued to send me threatening letters with language such as " final notice '' letters without a response that notify me that you " have attempted to resolve this matter amicably ''.

When I contacted them yet again, they had not record of the {$400.00} payment and wanted me to pay the full {$620.00}.

I stated that I would send proof of the payment and sent them a portion of my bank account statement showing {$400.00} being credited to MBFS.

Yet they continued to call and state that I owed them {$620.00}.

I asked what did I have to provide as proof that payment was made in full.

They stated that they wanted my complete bank account statement, specifically all pages. I found this odd since they could check back to their account to confirm payment. It seemed fraudulent.

I sent them the information anyway but redacted vital info but they still have not acknowledged that the debt was paid and verbally stated that they refuse to send me a letter or email stating in writing that my debt has been paid.

MBFS has behaved in a harassing manner regarding a debt that may have been fabricated but was paid nonetheless and will still not recognize that the debt was paid and will not provide written confirmation. It makes me very nervous that something fraudulent is transpiring with this company.

Thank you again for your time and attention
Product: Debt collection

MY COUSIN GOT A VOICEMAIL FROM AN UNKNOWN NUMBER HE DIDN'T ANSWER. A GIRL LEFT A VOICEMAIL VERY THREATENING. SHE SAID ON THE VOICEMAIL, I WAS GOING TO GET SERVED SOME DOCUMENTS BETWEEN 3 AND 5 AND IF I DON'T ANSWER THE DOOR, THEY WILL GO TO MY JOB AND SERVED ME THERE. THAT THE MATTER IS LEGAL AND I NEED TO ACT NOW. I CALLED AND TALK TO A GIRL AT XXXX XXXX WHO MADE ME DO PAYMENT PLAN OR ELSE I WILL HAVE TO GO TO COURT AND SO ON. I CONTACTED FIFTH THIRD BANK TO ASK FOR DETAILS AND THEY REFUSED TO PROVIDE ME W/DETAILS AS I COULDN'T REMEMBER AN ADDRESS FROM 10 YEARS GO,. THEY REFUSED TO TALK TO ME WHEN I GAVE THEM MY SOCIAL SECURITY NUMBER. 
I FELT VERY THREATEN BY THE VOICEMAIL AND HOW THEY ARE HANDLING BUSINESS. I FEEL NERVOUS AND SCARED THAT IT COULD BE A SCAM OR FRAUD. 

SO XXXX XXXX IS SERVICING FOR FIFTH THIRD BANK. 
TO MY UNDERSTANDING, BUT EITHER OF THEM HAVEN'T LEGALLY SEND ME A LETTER THAT I HAVE A DEBT. 
THAT DEBT THEY CLAIM I OWE, IS NOT ON MY CREDIT OR ANYWHERE. I NEED HELP. THIS VOICEMAIL WAS LEFT ON A THIRD PARTY PHONE NUMBER AND THAT IS AGAINST THE FDCPA. ALL THIS IS AFFECTING ME MENTALLY. 
I PAID XXXX TO PREVENT ANY ISSUES. 


MY NAME IS : XXXX XXXX PHONE NUMBER XXXX LAST XXXX OF MY SOCIAL XXXX
Product: Bank account or service

Check-n -Go XXXX XXXX XXXX say i owe them cash i dont the last ower had got paid and i feel this person is wrong for asking to repet it i dont understand wat was ask how it got paid was deit reflel program instant help by XXXX XXXX XXXX is unfair missing from my check on XXXX of month by way that is my rent hay a waivie plesae.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information Request for Investigation Under the FCRA Dear Trans Union I am writing to formally dispute the accuracy of certain information in my credit report. The items I am disputing are listed below : Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these matters. In addition to the investigation requirements under 15 U.S.C. 1681i, please be advised that consumer reporting agencies are mandated to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681o ). Failure to adhere to these requirements may result in civil liability. 

Specifically, I request that you : Conduct a prompt, full, and fair reinvestigation of the disputed items.

Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable.

Provide me with written confirmation of the investigations results along with an updated copy of my credit report.

I respectfully ask that you complete your investigation within the 30-day period required by the FCRA and provide me with a detailed explanation of your findings. If my dispute is not resolved to my satisfaction, I reserve the right to pursue any and all legal remedies available under the FCRA for any damages resulting from non-compliance with these statutory requirements.

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. 

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

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.
Product: Credit card

I have a credit card issued by Citibank, i.e. Citi Simplicity. 

Citibank offered a Promotional rate of XXXX XXXX XXXX expiring XX/XX/XXXXXXXX  In XX/XX/XXXX, I took advantage of this offer and charged transactions totaling {$5000.00} A balance transfer offer was extended. 
Citibank offered a Balance Transfer offer of XXXX XXXX XXXX expiring XX/XX/XXXX On XX/XX/XXXXXXXX  I took advantage of this offer and made a Balance Transfer of {$5200.00} + 5 % one time fees of {$260.00} My intention was to pay off the Promotional transactions in their entirety before the expiration date ( XX/XX/XXXXXXXX  ), so that would leave ONLY the balance transfer to be paid off by XX/XX/XXXX. 

I made a {$2500.00} payment on XX/XX/XXXX, intending to make a subsequent payment by XX/XX/XXXXXXXX  to bring that balance down to XXXX. 

I contacted Citibank after making this payment, and was told that my payments would go FIRST to the LOWER RATE ( XXXX  % ) balance, and once that balance was paid, then payments will go to the next higher ( XXXX  % ) rate. 

I feel that Citibank should NOT be offering promotional rates/balance transfers where there is an UNFAVORABLE application of the payments made by the cardholders. 

Citibank offered me a balance transfer that clearly I intended to pay by XX/XX/XXXXXXXX  If Citibank had been transparent and explained this in BOLD LETTERS and not in footnotes, I would have had RELEVANT information that would have helped me make INFORMED decisions. Hard to believe that the Federal Government lets them get way with this. 

Thank you. 

XXXX XXXX
Product: Checking or savings account

Beginning in XXXX of 2021 I had a charge of {$59.00} from XXXX XXXX XXXX. I disputed the charge with XXXX and Chime. XXXX refunded the money but Chime again took it back. This has gone on for 5 months. XXXX refunds the money and chime again takes that too. They also fail to investigate a filed dispute, closing it as denied in less than 10 minutes after filing the dispute. Chime also refuses to allow you to speak to anyone in the US leading me to believe this isnt actually a US company as represented. 
The company is a scam and clearly this is well known and allowed given the volume of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.