23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

When I received my Wells Fargo Business Card statement for XX/XX/XXXXXXXX, there was a {$600.00} Cash Advance taken without my knowledge on XX/XX/XXXX from my Business account XXXX XXXX XXXX. I never take out cash advances on any of my credit cards. I told the bank this when I opened my business account on XXXX/XXXX/XXXX under both my maiden name and married name. I asked Wells Fargo Bank in XXXX, NC for documentation and the signature was electronically superimposed on the form. This account ended in XXXX - XXXX XXXX XXXX Platinum Card. They responded that it " appears to match my signature on file. '' I made a payment in cash on XX/XX/XXXX at that bank on another credit card. I manually did not sign for any cash advance as I try to keep my balances paid off or I pay {$1.00} - XXXX on my credit cards and would have no need for {$600.00} when I paid the other card in cash that same day. The time was not stamped on the cash advance form. I went to XXXX that day also. Without the video of that transaction, showing me counting the {$600.00} in front of the cashier, I know someone in that bank, having access to numerous signatures, particularly my Business Operating Agreement looked similar except the account has two last names, not just one. No printed receipt of the cash being paid to me either. This was no mistake, my personal banker was terminated and is under investigation for this. A rep. from the XXXX XXXX, NC branch wanted to transfer to XXXX and is now sitting in my personal banker 's office. This bank scammed me and is covering up for the person who actually hacked my account. They may have done this cash advance scam on others who do n't check their statements. I requested a form two weeks ago from your office so I could mail my documentation but it did n't come. Wells Fargo is FDIC but refuses to provide the video showing me getting the {$600.00} because they do n't have it. They took out my middle name from my signature files and only put my married name on it, Since XX/XX/XXXXI have had accounts with Wells Fargo and NEVER one cash advance. PLEASE investigate the Wells Fargo SCAM of taking Cash Advances from their customers.
Product: Vehicle loan or lease

I received an auto loan from Chase in the amount of {$14000.00}. I had concerns about the interest rate that was offered to me ( 5.84 % ) but, since the paperwork was signed at the dealership, I had no way of getting my questions answered. I reached out to Chase when the loan documents came in the mail and asked them to offer me an interest rate ( 2-2.5 % ) that better reflects my excellent credit score ( > XXXX ) and payment history ( never a late payment ). I received a letter from Chase stating that they could not refinance my loan because of my insufficient payment history and US residency status. As a matter of fact, I have an excellent payment history and I am a lawful US XXXX XXXX. If that was n't the case, why did Chase approve my loan in the first place? I find their behavior quite discriminatory. They are just coming up with excuses to avoid giving me the better financial terms that I am entitled to.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Equifax on XX/XX/scrub> 2025 asking them to investigate these accounts : XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX. I sent it certified mail. on XX/XX/scrub> 2025 they sent me their investigation and said these accounts are verified and accurate. These were the complaint tracking # 's from the cfpb complaint/resonse : XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re-investigate and violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the XXXX I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, XXXX XXXX  charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.
Product: Vehicle loan or lease

I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all 3 consumer reporting agencies ( Experian, XXXX and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. XXXX, Experian and XXXX failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, Experian and XXXX failed to Investigate the first time according to federal law ( FCRA ). XXXX, Experian and XXXX HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? EXPERIAN KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. XXXX, Experian and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that XXXX, Experian and XXXX furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all XXXX consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Product: Bank account or service

On XXXX XXXX, I was alerted to an ACH being drafted for {$400.00} and immediately contacted both the company who processed the unauthorized transaction, and my bank. The senior banker in the branch advised me that it had not yet " hard posted '' so at this time, there was nothing she could do to stop it. I explained to her, in detail, that I have XXXX accounts : XXXX " catch '' account that all incoming money is transferred into, XXXX " bill pay '' account that all debits come out of and XXXX " holding '' account for the rest. I advised her, in no uncertain terms, that this unauthorized transaction would kick off a domino effect of madness across my other accounts because of transactions that I did authorized and could not stop from now coming through. I advised her that I could n't transfer funds into the bank via ACH until this was resolved because it would require an additional {$400.00} to bring that " catch '' account back from negative, on top of anything needed to cover my other transactions. 

She advised me to wait until the unauthorized transaction " hard posted '' and that she could then issue a credit memo immediately to stop the bleed. The following day, when the transaction did hard post, she then informed me that a credit memo would need to wait until Monday - XXXX XXXX. The credit memo was never issued so on Wednesday, XXXX XXXX, I transferred just enough to bring the account back to XXXX and stick a bandaid on the bullet hole. Meanwhile, my accounts had been charged XXXX overdraft fees at {$35.00} each ( {$240.00} ) between the catch account ( where the unauthorized transaction came through and the only one I can electronically transfer funds into ) and the bill pay account ( where all debits are typically made ). On XXXX XXXX, XXXX of those fees were credited back and I was additionally charged a {$30.00} sustained overdraft fee. 

I waited an additional week with no form of follow up from the bank for the unauthorized ACH to be reversed. When I followed up with the senior banker on XXXX XXXX, she said she was under the impression that it was resolved because she saw the deposit that I had made on XXXX XXXX. When I informed her that she was wrong, I was not credited and I had personally made another deposit, she called the ACH department to check the status of the claim. She then informs me that they closed the case without a credit after seeing my deposit assuming that it was taken care of. That assumption and lack of communication was an egregious bank error. 

I was finally credited for the transaction on XXXX XXXX and XXXX of the additional overdraft fees, as well as the sustained overdraft fee ( {$100.00} ), were credited. This leaves a remaining amount of {$470.00} total additional fees across my accounts that remain uncredited. The fees were only incurred due to an unauthorized transaction, failure to act as promised by the senior banker, lack of communication by the ACH department and failure to properly advise me to even have a chance to stop the spiraling of these accounts.
Product: Debt collection

CKS PRIME INVESTMENTS LLC {$1200.00}. I have no knowledge of this account or company! Please show purchase agreement also show they are full owners of this debt! I request all documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letter from XXXX stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with XXXX and read their response. I then received on XXXX  a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all XXXX bureaus and I only received XXXX. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.
Product: Debt collection

I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Paramount Recovery. Paramount Recovery placed a collection account on my XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. Paramount Recovery did not provide any documents or evidence to verify the account, but instead XXXX kept the account on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX   reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Paramount Recovery did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Product: Credit card or prepaid card

We bought a dishwasher and it was broken. We called the store, they had us come in to order a new one and process the return of the old one. The manager told us the dishwasher would be picked up within 3 days, so we waited. They brought our new dishwasher and told us they werent taking the old one. So I called the general help line and spent 5 hours on the phone trying to get it resolved, the guy on the phone said the manager did not process the request correctly and he needed to reach out to the vendor to see if they would take the dishwasher, he said that someone would be calling me that day and they were scheduled to pick up the dishwasher on Monday. Well the dishwasher wasnt picked up on Monday, so I called again on Tuesday and spoke with a supervisor and he said everything would be taken care of and he would call me no later then Friday, nobody called me on Friday, so I called in and spent another 2 hours on the phone! I still have a dishwasher sitting in my living room and Ive received the bill on the dishwasher and Im afraid of getting a late charge and my credit being hit. I dont want to have to pay for 2 dishwashers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2. XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX) 5. XXXX   ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX) And I would like these inquiries removed immediately, or provide me with physical documentation.
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 XXXX XXXX XXXX. 

Bank XXXX XXXX : Account # XXXX # XXXX, U.S. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, U.S. Department of EducationXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of EducationXXXX : Account # XXXX # XXXX # XXXX XXXX U.S. Department of Education/XXXX XXXX Account # XXXX # XXXX # XXXX, XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX : Account XXXX XXXX, XXXX XXXX : Account # XXXX, 15 USC 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 an account without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating 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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX C Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provided me with a letter and updated my online account to reflect that my account balance is XXXX  but refuses to update experien. XXXX keeps responding to my experian account dispute that I still owe {$250.00} and experian refuses to update my account stating that XXXX is sending proof. But what about the proof. I keep submitting proof of payment to experian. I also have a letter from XXXX and their response to my FDIC complaint that I filed against that says they received my account and I no longer owe. I have submit a copy of the check they cashed and screen print of the account showing XXXX and this letter to experian and they still wont update my account so now Im filing another complaint against XXXX as well as a complaint agains Experian. XXXX and Experian refuse to update my account as paid in full with XXXX owed.
Product: Money transfer, virtual currency, or money service

XXXX & XXXX XXXX were completing home repairs on XX/XX/2022. The job was suppose to be completed by XX/XX/2022. The last confirmation of the completion of the project was XX/XX/2022. Simultaneously, he was also working on my parents home. My sister was handling that but because he found out that I was the one who was handling the payments he started talking to me. After a couple of days my sister told me that the plumbing work was incorrect and that the septic tanks weren't delivered as promised. He went missing and wasn't returning our calls. We were suppose to sit down and discuss all of this on XX/XX/2022 with him promising to finish my work that day. However that day has come and gone. I finally spoke with them XX/XX/2022 and they are stating the job was completed and no refund or extra work is due. Which isn't the case. I have text and recorded calls that states the he was coming back to finish. They are returning {$2500.00} to my sister because another XXXX was involved and he doesn't was a claim filed against him so he is paying it back. XXXX & XXXX XXXX state that because I disputed the charge on Paypal he isn't willing to refund or come back. I don't want him back at my home, even if it was an option. Unfortunately the paypal payment was a friends and family payment, which I thought it was still covered under the buyers policy. I also attempted to dispute the XXXX XXXX  payment but they don't even offer that unless it is an unauthorized transaction. Now I have to pay someone else to come out and do what he didn't complete or fixed improperly which is going to cause me more money. He isn't entitled to the entire amount. He is only entitled to {$2500.00}. I definitely don't mind paying for what he did complete.
Product: Debt collection

XXXX has been contacting myself and my family repeatedly stating I owe a balance of {$2500.00} to US Bank from XX/XX/2007. They are threatening myself and my family with jail time and garnishments. I have spoke to US Bank and there is no record of such balance. This collection company is threatening and scaring my family, as well as making false claims of this debt to my employer.
Product: Credit reporting or other personal consumer reports

NORDSTROM/TD BANK Is on my credit it does not belong to me im only authorized user.
Product: Mortgage

During the government shutdown in XX/XX/2019, Wells Fargo Home Mortgage offered my husband and I a loan program, which they claimed would allow us more time to pay our mortgage until the government reopened. We discussed the pros and cons with the representative in detail in XX/XX/XXXX, but at no time did Wells Fargo ever notify us that by accepting the offer we would be penalized by being prohibited from removing the PMI from our mortgage for two years. We only discovered that we would not be able to remove the PMI in XX/XX/2019, when we contacted Wells Fargo to discuss options to have the PMI removed, and learned that because we accepted the offer, we would be prevented from removing the PMI. We debated the issue back and forth with Wells Fargo representatives and they sent us several letters, for the most part admitting they failed to inform us, but claiming that they could not reverse the decision and allow us to remove the PMI. They wasted hours of my time, and caused my husband and I so much stress and heartache. Wells Fargo sent us a check for {$250.00}, and a letter acknowledging their error. But the expense of our PMI will cost us severely more than that, almost {$10000.00} over the next two years. We think this is unfair. And we wonder how many other home owners were tricked into accepting this program, only to find later that the program did more to hurt than to help.