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

To Whom It May Concern : I write to advise you of unfair and/or deceptive trade practices and improper debt collection processes engaged in by Wells Fargo against consumers. In XXXX, my mother took out two loans on behalf of her business, XXXX XXXX XXXX : one with an account number ending in XXXX and one with an account number ending in XXXX. Like many businesses, XXXX XXXX XXXX fell on hard times over the last few years and was unable to make timely payments. 


My mother began receiving notices regarding the debts earlier this year. I was not sent these notices. More importantly, I had no reason to believe that money in my Wells Fargo deposit account might be at risk as, over the years, I continued to put my own, hard-earned moneymoney earned from my own business enterprises ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and unrelated to XXXX XXXX XXXX  the account. 


Yet, on XXXX XXXX XXXX, Wells Fargo clawed {$57000.00} out of my bank account ( account ending in XXXX ), ostensibly because they had a right of setoff that allowed them to take MY money. But while my mother is a co-signer on the account, she put none of the money on that account. The money in the account was mine and earned solely by me. It was not my mothers, not XXXX XXXX XXXX. Despite this fact, it has apparently been applied to business accounts with which I have no relationship. 


Curiously, despite my mothers repeated requests, Wells Fargo has not been willing to turn over the loan documents that allegedly permit them to steal from MY account. I continue to doubt that they have such a right and certainly dispute that they could do so without noticing me personally. Nothing required me to maintain my personal deposit account at Wells Fargo. In fact, if I had known that there was any chance that Wells Fargo would take money out of my personal account to satisfy the debt of my mothers business, I would have put my money into an account elsewhere. 


Consumers trust banks with their money and reasonably expect transparency, honesty, and fairness. Wells Fargo has failed to meet any of these expectations in my case. I entrusted Wells Fargo with my money, and they stole it. I ask that the Consumer Finance Protection Bureau act swiftly to right this wrong. 


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

I have submitted several police reports as well as copies of my drivers license and social and FTC reports along with any dispute letters with 15 U.S. Code 1681s2 back in XXXX to all three credit bureaus XXXX, XXXX, and Equifax due to identity theft and a victim of the data breach. Ive placed a credit freeze previous on my report since XXXX, Equifax and XXXX cant seem to stop individuals from using and obtaining my information.

Unfortunately, these companies failed to remove anything Ive disputed throughout the years from Addresses to inquiries to fraudulent accounts. The three credit bureaus I have mentioned has ruin my reputation to other lenders also damaged my life for over 10 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, at XXXX XXXX I sent {$850.00} on behalf of my neighbor from Regions Bank through XXXX to a scam web site to purchase a dog. I received a confirmation that the money was sent from both XXXX and Regions Bank in XXXX, Al. The next day my neighbor ( XXXX XXXX ) called to tell me it was a fraud because he had communicated with the seller ( " XXXX '', aka XXXX XXXX ) and they wanted another {$750.00} to provide an " air-conditioned '' shipping crate. At that point, I tried to contact XXXX which has no means for registering a complaint about fraud or a means to try to stop the ongoing perpetration of a fraud. They do have a " contact '' page but it doesn't handle complaints about fraud. The only email I got back from them stated, in essence, too bad, we don't guarantee purchases through XXXX ''. I then filed a report through the FTC, I3, and then attempted to file another report through the Regions Bank " online banking '' department. Regions told me the transaction hadn't " cleared '' but that I still couldn't cancel it even though I was alleging it was fraud.I filed a report with Officer XXXX of the XXXX County Sheriff 's Department ( # XXXX ), and went to the Regions Bank Branch I use at The XXXX XXXX XXXX near XXXX Al. They took the information and promised an " investigation '', and again told me if I sent the money it was out of their hands unless my bank account had been breached. If I allege a fraud has been committed, Regions or XXXX should have a system to stop payment to determine the facts. XXXX, in particular, should be forced by the Federal Reserve to have a method to try to catch fraud with input from the individual customers ( consumers ) of their service. The response shouldn't be " Tough, we told you not to send money to someone you don't know. '' They should be forced to try to stop fraud and to publish fraud losses on their web site compared to XXXX XXXX, and Credit Card Companies and banks.
Product: Checking or savings account

Received a check in the mail from Bank of America in the amount of {$6900.00}. I bank at Bank of America. Endorsed and deposited check in ATM on XX/XX/2020. Received a notice that the check was being held. Thought it was strange to receive notice. Went to the BofA branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and my son advised the manager that the check might be fraudulent. He gave my son attitude and flippantly said nothing could be done because it was deposited in an ATM. 
I was telephonically advised the check was counterfeit on XX/XX/2020 by XXXX, BofA Fraud Dept. She said there was nothing she could do to return my money because check was counterfeit. 
Talked with her Supervisor, XXXX, on same date and he too advised that there was nothing the bank could do because the check was counterfeit and said I had lost {$6900.00} when I deposited it in the ATM. He said the bank could not help get the money back. When I asked why the bank did not notify me of the fraud, and that if I had not called on that day I would not have known about it, he could not give me an answer. 
I have been banking with BofA for many years and expect to be helped with this issue. 
XXXX transferred my call to XXXX, also Fraud Claims and she advised the same thing, i.e., nothing could be done by the bank. 
It was a BofA check and looked legitimate.I have copies of the check.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Capital one Card was paid in full and locked with XXXX balance. Then, a new charge appeared of {$6.00} when card Balance was XXXX! The First customer service Lady stated she couldnt find out why the card was charged. The ( 2nd ) operator said they will not take off the fraudulent charge, upon talking today. This is a no fee capital one card!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

Name : XXXX XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information contained within my credit report, which I obtained from your agency on [ XX/XX/year> ]. Upon reviewing the report, I discovered inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( B ).

The inaccurate information pertains to charged off accounts that have been deemed income according to the IRS. By law charged off accounts can not be reported as debt on my credit report. Each credit failed to properly document these items, therefore they must be removed from my report. This information is incorrect and does not reflect my financial history accurately. 

Under XXXX XXXX XXXX ( XXXX ) ( B ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The presence of inaccurate information on my credit report not only violates this provision but also undermines my ability to obtain credit on fair terms. 

I respectfully request that you investigate the disputed information and, if found inaccurate, remove it from my credit report as soon as possible. Additionally, pursuant to the FCRA, I request that you provide me with a free copy of my corrected credit report once the investigation is complete.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

GM FINANCIAL IS SHOWING AN INQUIRY ON REPORT DUE TO BE REMOVED IN XX/XX/year> ASKING for removal of inquiry, i honestly have no recollection of this inquiry. and considering its due for removal soon im asking for removal. 

SSN : XXXX
Product: Credit card or prepaid card

About XXXX because of a XXXX XXXX XXXX in me XXXX XXXX, my leg had to be XXXX which left me on XXXX and was unable XXXX XXXX or XXXX. After months of XXXX and figuring out my life and trying to rebuild, after months of keeping my bills up because my credit was always important to me, I realized under the circumstances I was in, and the money needed to keep my health I could not afford all of my bills and rebuilding my life, At that time around XX/XX/2021, in an honest and difficult decision, I closed most of my accounts and an effort to do the right thing, I asked my creditors to please accept a fair settlement without charging off my account or hurting my credit more than was already done because I was trying to work this off including money from family and friends, I don't have the exact dates but I believe Capital One records every conversation made and I plead CFPB to listen to every one of these in order to understand my position. After explaining over 20+ crying on the phone for a measure of compassion from anybody I was offered a settlement of around {$4500.00}. I explained i didn't have that much and i would need to call friends and family because I didn't want to commit to something I could not do and this was no game for me and was not looking for a hand out but instead a hand up. The agent told me I could make the payments in 3 steps the first of which was due in 14 days and each of the next 2 every month but the settlement must be completed by XX/XX/XXXX and that she would divide the payments by 3 to make them the same but I had to compete by XX/XX/XXXX and she would send a confirmation letter to remind me. Unfortunately that letter did not arrive until XX/XX/XXXX showed {$1500.00} in payments and was due XX/XX/XXXX. I am sure the agent told me it did'nt matter how much as long as settlement was completed by XX/XX/XXXX so I called immediately and made a {$500.00} payment with the understanding it would be made to the settlement even though the letter said {$1500.00} and she gave me a fax # to send the details of what happened and I was committed to the settlement. Capital One has confirmed the got the fax that day. Then on XX/XX/XXXX i Received a letter from Capital One the settlement was cancelled, my account had been charged off and my {$500.00} payment would not be returned but instead applied to the entire balance. I know this has been a long story but I truly believe Capital One took advantage of my life changing situation to the benefit of stealing XXXX from me under the guise of getting money i don't have under the regulation of charging 25 to 30 % interest from good customers like myself who has gone through extreme life changes that can not be changed. Capital One needs to understand that most customers Are good people that have bad things happen beyond their control but still expect to be treated as a human with respect and dignity. again thank you for your help and please request all tapes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX College reports to their collection agency Conserve negative inaccurate information account XXXX shows on my credit report. As of XX/XX/XXXX, this account with XXXX XXXX College- XXXX XXXX was open, and closed on XX/XX/XXXX ; the first date account late XXXX XXXX. The statute of limitations has expired as of XXXX XXXX. XXXX XXXX College- XXXX XXXX account is seven years expired as of XXXX XXXX. I have contact Conserve, and XXXX XXXX College twice in regards to removing outdate negative account from my credit report ; this issue has not been resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to correct this account on many occasions and its becoming a headache. It's causing me much distress. Those accounts are unrecognizable to me. They are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

i have had t mobile prepaid for over XXXX  years, in the summer of XXXX i went on a vacation overseas and i called XXXX XXXX  customer service and they advised and assisted me with transferring my service to a post paid account so that i could use the plans benefit of roaming data and cell service on my vacation overseas. Customer service assisted me with the change, i paid the monthly charged and used the service on my vacation and then when i returned i subsequently changed my plan back to a prepaid account because i no longer needed the upgraded service. I continued to use and pay my t mobile prepaid services every month, but suddenly in XX/XX/XXXX i received notice that an account from XXXX was sent to collections for {$52.00}. come to find out after calling XXXX XXXX that this charge was a mistake from the change in service plan back in XXXX. Frustrating as it was for this to pop up out of no where a year after the fact, XXXX XXXX seemed to handle the mistake and correct it rather promptly. However, come now the end of XX/XX/XXXX and i received the same notice again that i received in XXXX regarding this {$52.00} charge from XXXX XXXX. Absolutely unacceptable! To make matters worse, i have tried to contact XXXX XXXX and customer service is absolutely XXXX  and XXXX. It should be a simple enough task for them to be able to reconcile payments received with service dates actually provided. and if they are unable to do this then they have no proof of the debt and have no right to be sending the debt to collections.
Product: Credit card or prepaid card

I have been trying to pay down my balance on my Discover IT card. Discover had usually applied payments made online same day, but now that I am paying more they have delayed posting the payments for 2-3 days. Since interest is compounded daily, this increases my interest charges unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell Experian credit bureau that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Product: Checking or savings account

I deposited {$580.00} to my Truist savings account from a check that was given to me by a new employer for travel reimbursements while touring the new workplace. Truists fraud analysts instantly flagged my account and the check as being fraudulent and froze and closed the account.

Since then, Ive been calling every day to get an update on the account. Each day I was told to call back the next day as theyd surely have an update. I kept calling and calling until the end of the calls, their supervisor told me absolutely nothing had been done or notated.

This company is highly irresponsible and will negatively impact you financially without any regard for their customers. Now, I am left with multiple car payments and rent in this new location and I need to figure out how Im going to be able to pay for the things I need. This is not including the extra couple of XXXX XXXX  that I had in my others accounts with Truist as well. 

All of that money is gone and now I have nothing left.
Product: Credit reporting or other personal consumer reports

They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802
Product: Credit card or prepaid card

Capital one XXXX)
XXXX bankXXXX
Capital okne XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( also known as 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 an account without my written instructions.
Product: Checking or savings account

The company I am having trouble with is chime banking. I ask them why my account was locked and they said a deposit received into my account was not supposed to be there so they closed my account on XX/XX/ for investigation. On XX/XX/XXXX, they made the decision to close my account and say I am not eligible for any funds on my account even after they did not tell me the load I received in my account. I showed them my bank statements and it shows proof of no deposit was made into my account from what I keep getting emails about, even after I showed all my documents of how I received my money in paystubs. I work I am employed this is strange for me to be in this predicament. I had no access to my funds since XX/XX/XXXX till this day of my complaint.
Product: Debt collection

My state taxes have been being garnished for years now for a car Ive never owned for years now. Ive just experienced the same issue with insurance being put in my name on vehicles Ive never owned. I dont even know the make and model because every time I reach out the call is disconnected or I I am put on hold for a long period of time. I never receive my state taxes due to this debt. They have obtained legal services and has begun garnishing my wages from my job now. Ive experience identity theft. I was advised by legal counsel to file a fraud report, obtain a police report and show proof of identity as well.