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

Bank Name : Wells Fargo Bank Claim Number : XXXX Issue : Multiple Fraudulent Charges on my Business Debit Card On XX/XX/2021 I placed multiple calls informing Wells Fargo Bank of fraudulent charges on my Bank Account. I filed a claim with the agent on the phone regarding the fraudulent charges on my Bank Account for over $ XXXX The claim number is XXXX. 

My Cellphone & Debit Card was stolen the previous day XX/XX/2021 and multiple fraudulent transactions were made on my Bank Account. 

I immediately locked my Bank Account as soon as I noticed the fraudulent transactions and also went ahead to file a report with my Bank informing them of the Fraudulent charges. 

As noted by Wells Fargo there's a {$0.00} liability charge for fraudulent charges made on a Debit Card. 

Since I didn't make those charges I'm asking that Wells Fargo reimburse me my money totaling over $ XXXX back to my Bank Account XXXX 

So far Wells Fargo has refused to reimburse me my money back to my Bank Account. 

Instead Wells Fargo is trying to pass unto the customer the liability resulting as a result of a stolen debit card resulting in multiple fraudulent transactions on my Bank Account. 

I'm now asking that the Consumer Financial Protection Bureau intervene and enable me recover my funds totaling over $ XXXX from Wells Fargo XXXX 

If the office of the Consumer Financial Protection Bureau is unable to assist me, I'll be taking Wells Fargo to a small claims court to recover my stolen funds.
Product: Debt collection

Pay Pal credit sent me a letter in the mail with the charges and amounts owed stating that I still owe the debt and it was already paid according to the letter they sent me. There are class action lawsuits being filed against them for tricking customers stating that they owe charges when it 's Pay Pal that is extorting fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.
Product: Credit reporting

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account XXXX which is now Known AS XXXX should be deleted from my Experian credit report.
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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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: Debt collection

On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. 

I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. 

Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.
Product: Vehicle loan or lease

Informed Nissan of issues with used car purchase. Prior attempted to obtain financing with Nissan for a new vehicle. Credit denied ; although, I have a satisfactory payment history with another vehicle lender, XXXX XXXX for a period of 3+ years. The XXXX I owned started misfiring ( check engine light was on ) around the 3 year mark when lease ended. Contact XXXX to determine if this was something that was covered as XXXX XXXX XXXX covered the engine for life ; however, now XXXX XXXX XXXX is no longer known by that name. Name has since changed to XXXX XXXX.
Product: Debt collection

I tried to contact them for the service but they are not replying to my calls. I contacted to their office number as well but they refused to help me so I want to remove my account from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Money transfer, virtual currency, or money service

My PIN was the same as my gate code at my home, which is how someone figured it out. Someone came into my house while I wasnt home and stole my computers, wallet, and phone, which was how they were able to sign in and out of my account. My computer and phone have since been recovered but not my wallet. 
XXXX Transactions : -XX/XX/2018 - Payment to XXXX XXXX MA, XXXX XXXX XXXX, XXXX , FL , US - $  XXXX -XX/XX/2018 - Authorization to XXXX XXXX, XXXX XXXX, XXXX LA, FL , US - $ XXXX -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$280.00} -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$300.00} -XX/XX/2018- Debit card ATM withdrawal {$300.00} __________________________________________________________________ Paypal denied  my claim for a refund to due the following : Once the funds were in the account, the PayPal Debit MasterCard and the Personal Identification Number ( PIN ) were used to access the funds. This indicates the card user had knowledge of funds entering the account, as well as personal information needed to access the money. Finally, there appears to be consistent login activity in the account while the disputed activity took place. Despite this consistent account activity, PayPal was not notified of potential compromised card use until the present. This indicates the account holder had knowledge of the spending activity on the PayPal Debit MasterCard and authorized its use. Based on the reasons stated above, we have concluded the disputed activity to be valid. As such, we have decided to close our investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries need to be deleted, I called your customer service and explained I have been a victim of the inquiry issue and they would not help and take care of the negative inquiries reported on my credit report. 


1. XXXX - XX/XX/XXXX 2. XXXX - XXXX XXXX 3. XXXX/ XXXX - XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX - XXXX XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX  - XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle kept blocking my account for receiving and sending for no reason and then would have my payments on hold then reset my account and still was delaying payments and I use Zelle for business so that caused so many delays and inconveniences to my business and my life. All 2024 like every other week. I dont have specific dates because I no longer have that account or Zelle at all because of how many issues I was having with this service
Product: Checking or savings account

On XX/XX/XXXX we received notice that the Wells Fargo Bank closed our account on XX/XX/XXXX without notice resulting in 7 checks that were returned for NSF and incurring a penalty. My husband immediately phoned to find out why such a measure was taken. This had been our primary account for more than 15 years to pay our bills and pensions being automatically deposited. We also had enough money in the account but the Wells Fargo sent us a check for the balance of $ XXXX though the regular mail. The answer given was that I was still listed as residing in XXXX!! We have lived in XXXX, XXXX since XXXX and my name was on the checks and we had written to the Wells Fargo Office in XXXX that Hawaii was our permanent address. The executive customer person was very unhelpful and unapologetic. She said they had let us know through our Mobile number and blamed XXXX. That is a lie ... ..they do not have our mobile number. Then she claimed they mailed a letter to the address in XXXX, where we previously lived. That is another lie... .had a letter been mailed it would have been returned to Wells Fargo with address unknown. We were furious that 7 checks would then incur penalties for NSF. We phoned many times each time being told I was a resident of XXXX. I have a letter written in XX/XX/XXXX advising them that we were permanent residents of XXXX. Why they did not check their files is the question. This caused us many problems and we spent weeks trying to notify all places involved. This action may reduce my credit rating. We then received another letter from the same Exwcutive Customer Service Person saying they are not responsible for any penalties. I believe they are responsible, They closed our account without properly notifying us. They never sent us any type of notice. Please note they would not close our $ XXXX CD. We had to phone many times. Why could they close our checking account but not allow us to close our CD, which incidentally was earning a mere 0.06 %!!.
Product: Student loan

All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.
Product: Credit card or prepaid card

Comentou Bank, the issuer of XXXX XXXX XXXX, has been sending me already mistimed mail in regards to my account. I opened the account about two weeks ago ... havent had the chance to personally use it. It was used to put a down payment on a vehicle, it was explained to me that I would receive a card in the mail in a matter of business days. So far, the only materials I have received is a notification of interest change which requires a 45 day waiting between changes as stated by the CARD act. My interest rates are changing and without any material to access my account I am forced to let them work behind the scenes with how much I pay IF I am to receive the card soon? I am very worried about my safety with this company. Customer Service was called and was utterly unhelpful. A direct quote from their CSR : I have no idea what is going on here. 
I feel that sending someone a card they applied for is a good first step. Please, let me know if there is any more info I can provide, and god willing get these guys a massive audit.
Product: Money transfer, virtual currency, or money service

I have been a customer of coin base since beginning of the year, I have had transaction buying XXXX, I applied for a coin base card and received one. I activated the card and no issue. I went to trade next day the web was saying account under review and need some time to verify you won't be able to use coin base it would take a few days, that was around middle of XX/XX/2021. I waited sent out out a few emails through their sight and requested to upload another id photo with some bank statement, I uploaded the info. I waited a few weeks with the same routine contacted them through email, no result. On XXXX XXXX I opened coin base support case # XXXX verification. On XX/XX/XXXX XXXX I got an answered that this case has been close and also they let me know that our team is working diligently to review your account do not submit another request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick and tired of XXXX, Transunion and XXXX violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXXXXXX XXXX  XXXX # XXXX Indigo acct # XXXX and XXXX XXXX  # XXXX They have violated so many of my consumer rights but here are a few : XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I borrowed {$5000.00} in 2006 from at the time, " XXXX XXXX XXXX " now called Younomics. Aside from the times I was in school, I have made payments on this loan. In that time I have paid {$8000.00} into this loan. I still owe them {$5200.00} AND an additional {$400.00} in accrued interest from when I was getting my Masters and Bachelor 's. By the time I finish paying off this loan, I could have used that money towards a house or a brand new car. This is robbery.
Product: Money transfer, virtual currency, or money service

Robinhood never advised me that they were taking away the option to direct deposit with a debit card in which i was only able to deposit ach instant but they would not take the money out till days later violating are next business day agreement they then chose to reverse certain funds and lock my account which was never advised to me they then proceed d to ultimately close my account due to " suspicious activity '' and disabled the option to contact them verbally which violated their agreement it's been 3 days i just received a response with no information they keep telling me to request a call back on the app in which they disabled the call and instant chat feature but are still holding funds I don't know what to do i can't get a clear answer from them. According to our agreement they need to contact me first and reach out before they close my account if there is suspicious activity why not reach out ( per our agreement ) to me I can't pay my rent due to them holding funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not open this account and they do not have proof of me opening this account so please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Equifax recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXXXXXX Date OpenedXXXX  Balance : XXXX XXXX-Late/Open Late Date XX/XX/21
Product: Debt collection

I obtained a loan from Security finance. I have received repeated calls in regard to collecting the debt which is fine. However, they are calling me back-to-back. On XX/XX/XXXX they called at XXXX and again at XXXX. on XX/XX/XXXX they called at XXXX and XXXX. I believe that is a form of harassment. I also have repeated calls on several other dates. Since I have not responded they skip traced and called someone that I did not use as a reference and left a message using the words desperately and imperative giving a sense of emergency that I reach them today. They spoke to an elderly person stressing them out. I did not give them permission to call anyone else other than the references on my initial application.
Product: Debt collection

These people keep calling me looking for my sister for some reason, Ive told them I have no information about her or what her business is with them and to please not call me but they're still doing it. I'm also on the national do not call registry. They've called me once a month since XX/XX/2021 ( so four times total with 3 of those being after I asked them not to call me again ).
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. 

Account # 's 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, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX balance {$1000.00}, XXXX XXXX balance {$30000.00}, XXXX balance {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act 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.

15 U.S.C 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.