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

On XX/XX/2022, two fraudulent checks, totalling {$7900.00}, were cashed by a teller at XXXX XXXX XXXX XXXXXXXX in XXXX, NC. 

My wife immediately identified that these were fraudulent checks and we notified the fraud department of Wells Fargo to stop the transaction. I also made a visit to the XXXX  XXXX XXXX  of Wells Fargo in XXXX XXXX, VA, to get assistance from a branch manager, XXXX XXXX, who contacted a " higher-up '' to expedite the process. 

I contacted the bank daily, as federal law dictates that fraudulent funds must be returned within 10 days. 

Four Wells Fargo employees were involved in this case. A case number was set up by the fraud department XXXX. 

After numerous calls and over 3 weeks later, I received a call from XXXX XXXX of the fraud department, that because this was a 3rd party bank and that the check was cashed by a teller, that Wells Fargo would not reimburse the funds. This same person suggested that I take legal action against Wells Fargo. 

I am submitting this complaint against Wells Fargo and have since hired legal counsel to help return the fraudulent funds. 

I await your timely response! 

Sincerely XXXX XXXX XXXX
Product: Vehicle loan or lease

For one thing by the law I was not supposed to be charged XXXX for a down payment on a car that was told to me was only XXXX by 15 usc 1662B TRUTH OF LENDING ACT no cash should not been involved in my consumer transaction BUT XXXX  XXXX AND SANTANDER DID SOME TYPE OF BUSINESS WITH MY INFORMATION WITH OUT MY SOLE PERMISSION TO GET ME THE HIGHEST Interest rate they could come up with its unfair and against the law Truth
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : COLLECTION  DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for inaccurately reporting collection accounts on my credit report that I have never had. I have already disputed these accounts with TransUnion, yet they continue to report them as verified without providing any proof of verification. 

Upon disputing these accounts, I requested validation under the Fair Credit Reporting Act ( FCRA ), requiring TransUnion to provide documentation showing how they verified the accounts. However, TransUnion failed to provide any supporting evidence, such as signed agreements, billing statements, or proof that I am responsible for these debts. Instead, they simply marked the accounts as verified without explanation. 

I am a victim of identity theft and have never opened or authorized these accounts. XXXX failure to properly investigate and validate these disputed accounts is a direct violation of the FCRA ( 15 U.S.C. 1681i ), which mandates that credit bureaus conduct a reasonable investigation and delete any information that can not be verified.
Product: Credit reporting or other personal consumer reports

TransUnion shows regular inquiry from XXXX on XX/XX/24. I did not authorize this, called both parties and neither know what happened. 

XXXX XXXX said they didnt request a hard pull and dont see any active application under my name either.
Product: Debt collection

I was sued by this company in the state of Florida and according to XXXX consumer records, they are not licensed in the state of Florida.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have furnished or are furnishing accounts on my profile in violation of the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX - 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: Credit card or prepaid card

On XX/XX/2022, I was notified through XXXX XXXX XXXXhat there was credit check made on my credit history by TD Bank, XXXX, SC. I had not ever used this bank and had not applied for any credit cards, loans, etc. I immediately contacted TD Bank and was transferred to numerous divisions where I gave my information. None of the representatves I spoke with could find any record of my in their system. I then went to all three Credit Bureaus and put in a Fraud Alert and froze my credit. Then on XX/XX/2022, I received an alert from XXXX XXXX again now saying a new credit card account had appeared on my Credit History that day. I checked my Credit History and found that on XX/XX/2022, TD Bank had issued a XXXX  credit card in my name with a {$4500.00} credit limit and now the balance due was {$4400.00}. I contacted TD Bank which was not easy to do without a Credit Card Account Number and found that they ignored my previous warning that my Identity had been stolen and issued a card. The TD Bank credit card fraud divsion representative told me the new card had been obtained by using my name, Social Security number, Birth Date and home phone number but had been sent to an address that was not mine
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I made many efforts to get through to a customer service to get access to withdraw the funds in my account. I provided ID proof and still was not able to access XXXX XXXX. I have emails from XXXX  to prove this. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX  I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX act is being ignored and may need further actions on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One Auto Finance # XXXX, has violated my rights. 

15 USC 1681 section 602 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 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose. 

Also, this account has been paid in full and hurts my credit and ability to finance in the future,
Product: Credit card or prepaid card

I applied for a credit card through COMMERCE BANK on XX/XX/2021 and was approved for {$8000.00} credit limit and was told my card was coming in the mail. Then on XX/XX/2021 I receive a letter saying my account has been closed because inaccurate/fraudulent statements made during application. I applied for a credit card with COMMERCE BANK on XXXX and was approved for {$3000.00} credit limit and was told the same thing that my card was coming in the mail, i even verified my address with a utility bill. That application was flagged because I left out my apartment number ( but they asked for documentation for the address ) which was provide. I spoke to a XXXX XXXX which verified everything. I got another letter in the mail saying my account has been closed because of inaccuracies. I believe this id discrimanation against me being an XXXX AMERICAN. I HAVE BUILT GOOD CREDIT AND HAVE SEVERAL CREDIT CARDS WITH BIG COMPANIES ( thats why im being approved ). Someone sitting in a office judging people and once applications are approved they are denying them. They do not ask for nothing to resolve any problems but just stripping you of working to build your credit up. This is discrimination. Whenever an individual sitting in a office judging people off paper is discrimination. This has happened twice to me with this company.
Product: Student loan

I do not understand how I owe so much money to XXXX/Navient. Upon graduating i owed over XXXX due to the insane amount of interest. XXXX had never disclosed the amount of money that i would owe upon graduation and I too like many others am suffering from an insane amount of student loan debt. Luckily, i was able to consolidate some of my loan debt elsewhere but still owe an astronomical amount of money due to their Unfair practices. Please help me understand why I owe so much money and lead me to the right place to get rid of some of the debt I owe. I will never be able to pay off these loans even with the amount of money I make now. Why do I have to suffer when I did the right thing and went to school for more education and finished and got a job. XXXX/Navient and all others really take advantage of young borrowers.I attended XXXX as well as XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.
Product: Credit card

We have a complaint against American Express about deceptive advertising. My son and were issued a XXXX for Business Card from American Express in XXXX and as we own a startup, we needed money. They have this check spending availability feature which allows you to spend a certain undisclosed amount over the limit. We were hesitant at first, and we called American Express in good faith to know exactly how much we can spend over the limit. They told us the website would tell us. We thought, fine, we 'll do that. Big mistake. American Express then pulled both of my accounts with them without any warning. They had us pay a minimum of {$600.00} or more every month. Then in XXXX, they began charging us over {$900.00} per month. We were unable to meet these high minimums. Now they harass us constantly, threatening us. Their debt collectors within American Express threaten to take our case to an outside collections agency and ruin our credit. We tried to explain to them the situation, yet they 're not happy with less than {$3000.00} a month. We now have a hard time keeping our other obligations due to their high demands, causing us to fall behind our other bills, I guess that 's how they plan to ruin my credit. My son handles all the finances with the business cards, and he is even having a hard time paying his cards because of the demands of American Express. We both understand that American Express has been in trouble with the CFPB and other agencies for similar type tactics. Please let us know how we can get them to stop. We even indicated to them we are willing to work with them to get this issue resolved, but they do n't want to listen to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a never late payment account as " paid for less / paid in full ". Its reporting under a negative rating and effecting my score. The lender said and I quote '' experian should not be reporting paid for less. You have made you complete obligation in full and on time. Experian has a history of trying to keep me in the red. I have almost a perfect credit history.Experian has always been dishonest from my experience
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : I can not get security freeze lifted on my credit report from Equifax. I placed the freeze on my report as a result of the massive security breach Equifax had that compromised the personal information of millions of people. 

On XX/XX/XXXX started a refinance application with my mortgage lender. I had no problem lifting the security freezes from XXXX or XXXX XXXX. As of this writing onXX/XX/XXXX the freeze has yet to be lifted by Equifax. 

At first I was given their facsimile number so I could send copies of my SS card and driver 's license that would allow them to verify my identity. After several attempts by me on XX/XX/XXXX without any success because their fax line was constantly busy, I eventually express mailed the documents via USPS. I called them on the evening of Saturday XX/XX/XXXX, was told the security freeze would be lifted that evening, and I was given a confirmation number by the Equifax representative. On Monday XX/XX/XXXX I received an email from Equifax with the case number I'd been assigned stating that my case had been closed. 

On Monday XX/XX/XXXX I advised my lender about the information I was given by Equifax on the XXXX and they attempted to get the credit report without any success. The supervisor at my lender made several phone callls as did I, and when I called again on XX/XX/XXXX I was told by an Equifax supervisor that they were not in receipt of the documents I sent, nor were they aware of any email from Equifax that my case had been closed out, and I would have to wait up to five business days to have the freeze lifted. 

All I can say is I've never dealt with a more obtuse and ineffective group of people. All you get is the run around, empty apologies and zero results. It seems they're trying to act professionally by giving one the impression that they're guarding your information when quite frankly it's too late given the security breach. 

The bottom line is there is ZERO accountability within this organization nor do they have any sense of urgency about doing their job correctly and it's having a very negative effect on consumers like myself who are attempting to get the information they need to complete their applications for refiancing or any other credit application. 

I'm not sure what type of government oversight they are receiving but they are in dire need of it because in my opinion they are doing a double disservice to the public by 1 - the initial security breach and 2 - their inability/unwillingness to lift security freezes for consumers seeking them.
Product: Credit reporting or other personal consumer reports

I Do Not Give People the right to report on my Credit report this is Fraudulent.
Product: Mortgage

We got behind on our house payments, and the mortgage company would not take our money, we had the money to catch our late payments up, they sent us into foreclosure. We got the run around on the amount we needed to send in. We finally got a letter from the attorney stating the amount owed via a certified check. I took the check to the attorney in person and received my reinstatement letter. The mortgage company has not post the funds to the account, they are now telling us that we may owe more on the account. They have had our money since the XXXX of XXXX 2015, we were told it takes 48 hours to post and it has been 4 days. We have gotten several different people and they all give us a different reason. The letter stated that we had until XXXX XXXX, 2015 to pay the total to get the reinstatement, I did this and now they are telling us to call back XXXX XXXX to see if we owe anymore money. They have charged us a " forecasted '' late fee and have also charged us for an inspection done on the property for XXXX that was done in XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX {$130.00} Charged off XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Debt is not from original creditor I do not have a contract with them. They have failed to validate alleged debt
Product: Mortgage

Applied for a refinance mortgage loan at owning corporation. I was told my home value to loan ratio did not meet their requirements, A month later I received a letter ( statement of credit denial ) stating my loan application was closed due to a lack of response from me, which is not what happened.
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving these matter. 
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