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

I have a checking account with Wells Fargo that was charged a {$35.00} overdraft fee for being overdrawn. The referenced account was never authorized for overdraft protection and thus should have never carried a negative balance. Wells Fargo authorized several reoccurring charges that overdrew my account over two months. The negative balanced grew to - {$48.00} in XXXX before Wells Fargo began denying charges, which they charged me an additional {$35.00} for this service. The account balance is now - {$83.00}, which constitutes {$70.00} in fees and {$13.00} in unauthorized charges. 

Wells Fargo has refused to refund the fees and insists that I pay the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report is currently inaccurately a student loan : XXXX XXXX  : XXXX XXXX Last reported XX/XX/2020 {$8400.00} Reported balance This account was transferred to XXXX for servicing has a much lower balance, and should be deleted from my credit report In addition, Transunion is inaccurately reporting missed payments. There have never been any missed payments on my student loan account. 

See attached for a loan servicing letter documenting the transfer of the loan to XXXX for servicing.
Product: Consumer Loan

I was approved for a loan in the amount of XXXX with Avant Credit last year around XX/XX/XXXX, however, I just realized they are charging an unusually high interest rate of XXXX % when my credit score was in the high to low XXXX range at time of approval. I do not believe my rate should be so high with that kind of score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Mortgage

Freedom Mortgage short paid property taxes from escrow account.
Freedom Mor  tgage stated refusal to pay full tax amount prior to foreclosure process date.    Property Owner was  forced to make tax payment in order to avoid foreclosure.    County  transaction record clearly states payment made b y Owner though Freedom Mortgage claims they made payment.
Product: Checking or savings account

With the bank, they told me that my account was closed and set my dollars in my account.And I told him that I wanted.My money sent to me.Because my account was closed by them.Then they told me that there was money that was sent back to the remitter then they said they would send me a check It's just been a run around with this company and I'm tired of it. The amount was XXXX and something all dollars. {$400.00}. And the bank 's name is XXXX XXXX XXXX. Like I said that she's keeping her meat around about this account and I want my money. And another final thing that they asked me if to do was to get a letter of indentment from the remitter.And when I contacted the remitter of the check they told me that they don't know what that is.
Product: Credit reporting or other personal consumer reports

I checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named santander with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of XXXX XXXX  for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with US DEPARTMENT OF ED for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

My insurance has lapsed due to nonpayment by my processor. They say they've mailed check twice, but my insurance company says it hasn't been received. Now i have no insurance, and NO ONE will talk to me. I make my payments each month, never late. I have called and called XXXX, spoke with them XX/XX/19, tried to speak with them on XX/XX/19, and again today XX/XX/19 with NO RESPONSE. I need them to pay my insurance company PLEASE!!!!!
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
AFFIRM INC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that XXXX XXXX XXXX # XXXX is reporting on my credit report. This letter serves as my official complaint regarding the erroneous account information that is negatively impacting my credit score and my overall financial well-being. 

I have recently reviewed my credit report and identified that XXXX XXXX has listed an account for which I am not liable. This account does not belong to me, and the information being reported is entirely inaccurate. I am aware of my rights under XXXX XXXX Code XXXX, which guarantees that I am entitled to have only accurate and verifiable information included in my credit report. 

Despite my attempts to resolve this issue directly with XXXX XXXX, the erroneous information remains on my report. This ongoing inaccuracy constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau intervene in this situation and take immediate action to ensure that the inaccurate information reported by XXXX XXXX is deleted from my credit report. This erroneous entry is causing undue harm to my creditworthiness and financial reputation, and it is imperative that this matter be resolved promptly.
Product: Mortgage

Process began XX/XX/XXXX. Last week I was finally recognized as Successor in Interest and advised " Our process for becoming a Successor in Interest and assuming the loan are separate processes. '' I contacted the Consumer Mortgage Dept and was told I must apply for a " Qualified Assumption '' at the cost of anywhere from XXXX and current loan terms and conditions would apply. 

When I mentioned the Federal Law under the CFPB I was told this is what Truist does.

This is the rule/interpretation our Estate Attorney referenced that was clarified on XX/XX/XXXX, most of which took effect in XX/XX/XXXX. " Todays interpretive rule explains that because an heir has already acquired the title to the home, adding the heir as a borrower on the mortgage does not trigger the Ability-to-Repay requirements. The rule does not require the creditor to determine the heirs ability to repay the mortgage before formally recognizing the heir as the borrower. " I have been on the Deed since the property was purchased over 20 years back. This was given to Truist. They do not care.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I contacted TransUnion to update my address on my credit report. I was told that due to inaccuracies that I would need to wait before I could update my address and remove any old addresses. She stated that I would need to wait 5 business days and then call back to change the address. I asked her about the inaccuracies on my report and was told that she could not disclose them but would have them removed and for me to call back in 5 days. I informed her that as a consumer I had the right to know the information but she declined. I was asked for my full social security number, email and phone number. She also did not disclose the credit report number
Product: Checking or savings account

On XX/XX/22 my Wells Fargo checking account was breached and funds were stolen via XXXX payments. In a short period of time, my email contact information was changed, I was unable to access my account online, and a XXXX account linked to my Wells Fargo checking account was opened unbeknownst to me. I have never used XXXX nor have I ever set up a XXXX account. 
I woke up the morning of XX/XX/22 to many text and email messages indicating that multiple XXXX payments had been made and that several more were processing. I called the bank immediately and asked that my funds be frozen. I filed a fraud claim with Wells Fargo, terminated my checking and savings accounts and opened new accounts with them. I also ordered new checks and a new ATM card. I also changed my username and password and changed the contact email back to its original address. 
XXXX XXXX payments of {$100.00} were sent to recipient I do not know ( XXXX XXXX with an email of XXXX ). The fraudulent contact email that was temporarily used on my Wells Fargo account was XXXX. 
I never created the XXXX account and I never authorized these transactions. These transactions were made from 2 computers on the East Coast and one in the midwest. I also asked the fraud specialist ( I spoke to multiple resolution specialists and mangers ) never to allow a XXXX account to be associated with my accounts in the future. On XX/XX/22 another attempt was made to set up a XXXX account. This time I called immediately when my contact email was again changed. This time the email was XXXX. 
After filing the fraud claim, I heard back from Wells Fargo that they were closing the claim. Their reason was that I had authorized the transactions. That is untrue. I never authorized these transactions. I knew nothing about them until I received the messages about the XXXX payments. That authorization was part of the fraud. 
Ive tried to bring this claim to the attention of a more executive branch of the bank, but Im contacting you for help. These large banks have created XXXX, which is immediate and irreversible. Its a flawed product that they should take ownership of and responsibility for. I feel very strongly that I am a victim of fraud and should be credited the {$800.00}.
Product: Checking or savings account

I use  XXXX  which is a personal micro savings app. The service uses an app to study your back account and your spending habits to make micro withdrawals from your account for savings. The service also promises to cover overdraft fees if the app does n't do this properly or withdraws money that causes an overdraft. I am complaining because I am not being given the full overdraft reimbursement.       On Friday  XXXX   XXXX   XXXX  took  XXXX  withdrawals of {$62.00} and {$53.00}. I was not alerted to this fact and only found out because my bank sent me an alert.  XXXX  has never taken this much from my account in  one d ay before. I attempted to withdraw the money and was told by the app that it would not be available until Wednesday  XXXX   XXXX   XXXX  ). During this time I attempted to withdraw money from other  XXXX  savings to stop the overdraft fees, but it was not enough because I have set up pre planned payments that the app should be aware of. I immediately contacted   XXXX   on Friday  XXXX   XXXX   XXXX  ) and was told by the representative that the money would not be available until Wednesday  XXXX   XXXX   XXXX  ) and I also told her that because of this I will overdraft significantly. She responded that it was  XXXX  policy to cover overdraft fees and asked for screenshots.     Fast forward to this Tuesday when I now have  XXXX  NSF fees and after many emails to the rep I am told that   XXXX   is not responsible for the overdraft fees and that they will only be reimbursing me {$15.00}. I was upset because if that large amount had not been taken I would not be in this situation right now. My account would have been fully covered.     I asked to speak with management and was given the same spiel that   XXXX   was not the cause, but  XXXX  caused this snowball effect. It is supposed to be smart enough to know my bank account and given my time with the app it would be obvious that taking that much money in one day would not work for me. I feel as if this company is trying to find a simple loophole to avoid responsibility. My account would have been fully covered if the app would have taken the normal amount it usually does.     I feel like   XXXX   is not honoring their agreement. I have closed my account. I now have  XXXX  NSF fees and I was only able to access the money they took today (  XXXX   XXXX  ). The money wo n't post until tomorrow which will balloon this problem even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is taking legal police reports and converting them in there in XXXX system to numeric codes to the debt collectors XXXX XXXX XXXX XXXX which the debt collector is verifying which should be a crime. How can they legally convert police reports to numeric codes? 


The police department stated this was a legal affidavit and it can't be converted to a CODE. 


Police Reports REPORT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX and XXXX  XXXX
Product: Vehicle loan or lease

I recently found out that my auto contract with XXXX XXXX and Westlake Financial services was fraud and exercised my rights to rescind signature under 15 U.S. Code 1635 due to down payment and warranty was added on to finance contract when no other instruments are supposed to be added in financing charges along with insurance premiums which was not disclosed as well. This is violation of consumer law 15 U.S.Code 1605 ( c ). I was also made to provide my own insurance when it could have been provided with insurance premiums but were not disclosed. I also have been illegally repossessed before without notice and was made to pay outrageous fees to get vehicle back. XXXX XXXX. XXXX XXXX is reporting to Credit Bureau when bill of sale was made with dealer XXXX XXXX which is a violation of consumer law under permissible purposes. 15 U.S. Code 1681. Both dealer and finance company has been notified via certified mail as of XX/XX/2022 and XX/XX/2022 with no response as of XX/XX/2022.
Product: Debt collection

On Tuesday, XX/XX/XXXX, I saw that the XXXX XXXX  XXXX ( the XXXX  ) located in XXXX, GA sent an account to collections in my name worth {$370.00}. The last time I lived at the XXXX  was XXXX XXXX. I moved out in XX/XX/XXXX XXXX because I was moving to XXXX, XXXX. Since then, I have received no email, phone call, or physical mailing from the XXXX  communicating that I owed them anything. 

Prior to moving out of the XXXX, I took many steps with the leasing office to ensure the person replacing my lease completed the necessary steps with the XXXX  so that I would no longer be responsible for the unit. I began this process early in the Fall XXXX  semester. In fact, on XXXX XXXX, XXXX the XXXX  emailed me to inform me that someone had expressed interest in releasing me from my apartment and asked me to complete the required release form. I informed the XXXX  on XX/XX/XXXXXXXX that I had already completed the form weeks prior to them contacting me. 

Upon realizing the error on XX/XX/XXXXXXXX, I called the XXXX  to inquire why an amount was sent to collections in my name. The person who answered the phone informed me that he would follow up soon. He called me back later that day saying that since the XXXX  was now under different ownership or management, that they no longer had access to any of my information from XXXX. The next morning, I received an email informing me that the previous owners of the XXXX  were the XXXX XXXX and provided their general office phone number. 

On Wednesday, XX/XX/XXXXXXXX, I called the phone number that was provided multiple times, as their automated system provided no clear way to reach someone who could discuss this issue with me. Each dial path ended in a voicemail or asked for an extension. I found their general email address for interested parties ( XXXX ) and sent a message to them. Around XXXX on XX/XX/XXXX, an individual from the XXXX XXXX XXXX presumably ) said that she forwarded my message along to the " Portfolio Managers that oversaw the The XXXX  at XXXX XXXX a headquarters perspective. '' Ultimately, I believe this was an error on their part. I know for a fact that before I left XXXX, GA to move up to XXXX, I worked with the XXXX  to ensure I covered every required step so that I would not be financially responsible for anything at or regarding the XXXX after moving out in XX/XX/XXXXXXXX. Upon moving into my unit in XX/XX/XXXXXXXX, I paid my rent in full for the entire semester ( I have the banking statements proving such ), so I know this could not be related to rent. In the four years since then, I have not received any communication from the XXXX  at all until this week when I called them to figure out why something was sent to collections in my name. 

As of XX/XX/XXXX at XXXX XXXX XXXX, I have not received any further communication from the XXXX XXXX or the XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account has already been disputed with my bank and with the XXXX  XXXX XXXX XXXX of the state of Florida, a favorable final result for me.
Product: Credit card or prepaid card

In XXXX I applied for credit cards that credit karma said I was already approved for than got denied for and it shows on my credit report. It show up on my credit report XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 transprancy is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

I do not think that NAVIENT completely understands the importance of reporting the account accurately. After submitting my dispute for this account same information was provided and it seems that nothing was reinvestigated. The credit has a different report for payment history that varies to the credit bureaus. NAVIENT has been very inconsistent and irresponsible on reporting this account. I attached my specific dispute from this creditor. Please report this account with 100 % accuracy that is important to reflect my true credit score. 

I do not want any invalid, missing, and inaccurate information on my credit report.