23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am recently divorced. The accounts at the Wells Fargo Bank on XXXX XXXX, NM were awarded to me by Court Order. Initially I went into the Bank Office there & was told that if my Ex-wife is removed from the account I MUST start a new account with fees etc. Since I have important direct deposits on my checking account, I did not want to do this. My Ex-wife, just to mess with me, came into that Branch Office. She showed the Bank Officer the Marital Agreement which plainly states that these accounts go to me. The Bank 's argument is that because they do NOT have a separate Court Order specifically addressed to them, this Court Order is not binding! So, on XX/XX/2017, my Ex-wife was allowed to close out my accounts & get the funds from those accounts! Fortunately, my Ex-wife is not stupid ( just nasty ). She then took those funds & made them into cashier checks made out to me. However, over that weekend I find my accounts empty & closed out & my debit card canceled! It turns out that the decision to cancel an account & make the owner start a new account is at the Bank Office Manager 's discretion! I did get back my accounts on XX/XX/2017 & let it be known that I expected no charges for doing so! My concerns are twofold : 1. Customer 's have rights also. I was categorically told initially that there was no way that I could keep my account. Yet, the reality is that I could but the Branch Manager did not want that because then they then can not charge you fees for a new account! Once again Wells Fargo Bank has found a way to rip off their customers. The customer 's should be given a choice of keeping the old account or setting up a new account. This choice was never presented to me until I raised XXXX on XX/XX/2017. 
Second, I find it incredulous that a Bank Officer after reading the Divorce Agreement signed by the Judge, decided that it was NOT binding! Then that Bank Officer allowed my Ex-wife to close out my accounts & get the cash funds from those accounts. All of this without my authorization!. Had my Ex-wife decided to keep those funds, she would have been legally guilty of stealing from me & the Wells Fargo Bank would have been an accessory to the crime! My attorneys assure me that the Judge 's Order on the Agreement is binding, despite the Bank Officer telling me it was not. 
It is clear to me that Wells Fargo Bank has been ripping off their customers ( what a surprise! ) with their arbitrary policy of making the customer 's close out their accounts when they did NOT have to. Then they charge the customer for opening a new account! 
It is absolutely mind boggling that the Bank XXXX would allow my Ex-wife to close out my account & get those funds, despite having seen the signed Court Order. Their argument that a Court Order is NOT binding unless it is separately made out to Wells Fargo Bank is specious & I doubt will hold up in a Court! 
As a final note, I wonder just how many customers, having gone through a divorce, then were ripped off by the Wells fargo Bank?
Product: Debt collection

On XX/XX/XXXX, I was contacted by XXXX in an attempt to collect a debt on the behalf of Cash Central. I had no knowledge of ever taking a loan out from this company. XXXX Cash Central who stated that I received a loan from Cash Central on XX/XX/XXXX and never made payments. I told them that I have no knowledge of applying for a loan. They told me to file a police report for identity theft, which I did. I filed a report with XXXX XXXX Police Department and filled out the forms requested by Cash Central on XX/XX/XXXX. Never heard another word. On XX/XX/XXXX, I called to follow up with Cash Central and the dismissal of the debt. Was told that it would not be dismissed because I did not have enough evidence to support Identity Theft. They only communicate, so they say, through email. I have not received any hard copy statements or notification about collections. I know nothing of this loan, filed a police report and do not know what other steps to take. Cash Central just states that I owe them the money, which I do n't.
Product: Mortgage

I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.
Product: Debt collection

The Debt collector NRA emailed me stating that I owed a debt from XXXX of XXXX  but I have yet to receive in phone calls and or any letters in the mail when I use to live at that address. This is the only time I am hearing of this debt and I am all the way in XXXX now. I am just now receiving something on XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This La k of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to inform you that I was a victim of fraudulent activity. To address this, I researched how to remove the fraudulent items from my report and found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : 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 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 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 XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), credit reporting agencies shall remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

O n XX/XX/XXXX  , I mailed Transunion a verification request to verify inaccurate information on my credit report. The two inaccuracies was  State Tax lie n and Bankruptcy. I asked Transunion to give me the furnisher of information on these  two  derogatory item. I asked specifically to give me the name and phone number of person that they verified with. According to FCRA laws, I am entitled to this information. Transunion completely ignored this request as they have with previous request and sent me a generic letter back stating the item are accurate. They also stated that the furnisher of information is  US Bankruptcy Court Northern   District of  XXXX . This is completely false information from Transunion. The US Bankruptcy c ourt stated that they do not give any information whatever to the Credit Bureaus and that the credit bureaus use 3rd party database  collectors  to get information. I feel that Transunion has violated the FCRA act by giving incorrect information about how they verified my request. They should remove my derogatory information completely because they did not provide accurate data for my legal request and a penalty should be imposed on them.
Product: Student loan

I completed school in XXXX and experienced financial hardship and was unable to repay the debt owed. I have ( XXXX ) dependants that rely on me and my income is very low. I requested a deferment program due to financial hardship in XXXX XXXX via The Economic Hardship deferment program and the application was mailed to you ( see copy ). 
In XXXX I advised you too take a partial payment from my XXXX tax refund and this was offset by the IRS and the balance I was advised, would be deferred until XXXX XXXX. My request for deferment was mailed to you but still this account is reporting a default on my credit files and this incorrect information is causing me extreme financial hardship. The matter arises from non receipt of my mailed application, it is an error deriving from a mailing loss issue and I should not to be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you 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 Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/2023 I was in an auto accident with the vehicle and the police towed the vehicle because it was inoperable. I was told by my auto insurer that I needed the police report in order to file a claim. Unbeknownst to me this info was incorrect. I filed a claim with my auto insurer. However, the day before my insurance company was due to pick up the vehicle Ally Bank, the finance company, repossessed the vehicle because they said the vehicle had been in the impound lot for more than 10 days. My insurance adjuster and I have called and emailed Ally Bank numerous times with no avail. Unfortunately, I have been hospitalized twice since the accident. I also have not been able to pay my XXXX payment and now Ally states {$2900.00} which includes XXXX 's payment, late fees, impound fees, and repossession fees. I was told that I had until XX/XX/XXXX to make this payment. When I asked about how I could get my insurance adjuster to have access to the vehicle so that it could be adjusted I was given another phone number and told that I needed to call them in order to give my insurance company access. Below is a list of names, emails, and phone numbers I have gathered from Ally since XX/XX/XXXX. 

Ally XXXX, XXXX XXXX XXXX and remarketing XXXX XXXX Ally Insurance claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX md XXXX, MD Phone : ( XXXX ) XXXX XXXX XXXX XXXX option XXXX XXXX department Total Loss request a release XXXX XXXX XXXX until XX/XX/XXXX Insurance dept XXXX XXXX Unfortunately none of these names numbers and emails have helped us with our issue. 

Please help Thanks
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Assistance Regarding Unauthorized Inquiries on My Credit Report Dear CFPB, I am writing to formally request your assistance regarding unauthorized inquiries that appear on my credit report. Despite my efforts to resolve this matter directly with the credit bureaus, they have refused to remove these inquiries, which I believe are a result of identity theft. 

On [ XX/XX/XXXX ], I submitted an identity theft report to [ XXXX, XXXX, and TransUnion ], detailing the unauthorized inquiries and the fraudulent accounts opened in my name. However, the credit bureaus have failed to take appropriate action to investigate or remove these inquiries, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This law mandates that consumers are entitled to have fraudulent information removed from their credit reports if they provide a valid identity theft report. 

I have attached copies of my identity theft report and relevant correspondence with the credit bureaus for your reference. Given the circumstances, I respectfully request that the CFPB intervene to facilitate the removal of these unauthorized inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] Attachments : Identity Theft Report, Correspondence with Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off XXXX thati would like removed they are reporting twice on my credit and the wrong one I g date it been over 5 years old one account says closed and other sayi owe, they are reporting wrong information and if it charged off they have already received there money throughout insurance. I have already submitted to all three Credit companies information is inaccurate and would like it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, Transunion, XXXX, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Product: Credit card or prepaid card

XXXX XXXX presented an offer for their credit card, issued by Barclays Bank, to all passengers on my XXXX XXXX flight from XXXX, Hawaii on XX/XX/XXXX. The flight attendant clearly explained several times to all passengers that this new and improved offer now includes XXXX bonus miles that are added to your XXXX account after your first purchase ''. The flight attendant repeatedly stated that you only need to buy a pack of gum and the XXXX bonus miles will be automatically added to your XXXX account. She also stated that this many miles is enough for two roundtrip tickets from the west coast of the continental US to Hawaii. She walked down the aisles passing out brochures and told me that I can apply when I get home. I asked for a brochure and saw that it is also stated in the brochure Earn XXXX Bonus Miles after making your first purchase. 

Based on this offer, I completed the application on the website that is listed in that brochure ( XXXX ) and it was approved. This website is owned by Barclays Bank. On the home page of this website it is also clearly stated in bold letters Earn XXXX Bonus Miles after making your first purchase. I received my credit card in the mail and I immediately made a few purchases on it to fulfill my obligation to earn these XXXX bonus HawaiianMiles. 

However, my online account now states that I need to make {$2000.00} in purchases within the first 90 days before I get any bonus miles. I have spent many hours contacting both Barclays Bank and XXXX XXXX multiple ways, including speaking to a supervisor, but both companies are refusing to do anything to fix this.
Product: Checking or savings account

I recalled a XXXX wire that Bank had gotten back from the recipient but they refuse to disburse the money back to me instead holding it in their own account,
Product: Vehicle loan or lease

On XX/XX/2022, I visited XXXX XXXX in XXXX Tx to complete a consumer credit transaction. 

I was met with sales agent XXXX XXXX. Who showed me several vehicles in which I selected a 2022 XXXX XXXX XXXX XXXX. 

XXXX XXXX advised me that truck total cost would be increase by {$7500.00} because of the times we were living in. I am not sure what that means. 

I advised him I would go to my credit union to apply for the loan. He stated he can run a soft credit check with the Ford Dealership so I may compare rates. I agreed. This was false and misleading ; I was in fact received two hard inquiries for this transaction. 
He stated, I would need to talk with finance about terms. I was then sent upstairs to speak with XXXX. I was told by XXXX. That I was declined for the truck because of the amount of the truck. ( I have this conversation recorded. ) Where he is stating that I was declined because of the truck price and they fact I never purchased a vehicle of that amount. And that I couldnt purchase a vehicle of that amount. 
I felt the dealership feeling uneasy about what just took place. 
I quickly left. 
The truck was originally priced for {$68000.00} by time I left the total cost was {$83000.00}. 

I asked that a manager reach out to me on XX/XX/2022 that never happened. I called back 3 days later no follow up. 

On, XX/XX/2022 I called back to speak with a manager to discuss my concerns about the reason why i was decline and he didn't have a respond to the reason I was being decline. He stated if I could get a cosigner that would be good. 

I have reason to believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I am aware of my rights and know I can not be treated this way. This is indeed unfair and inaccurate billing practices. I feel like I dont want to apply for any more credit. I am losing faith in this banking system
Product: Checking or savings account

On XX/XX/XXXX I took my vehicle in to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My purpose was for the XXXX XXXX to be replaced for XXXX but instead my car was damaged and the mechanics admitted to forgetting to put a seal on and gave me the car back. I noticed excessive transmission fluid leaking and took it back for them to start using a hammer to bang the axel and other parts very aggressively which I later confirmed at XXXX XXXX  caused a damaged seal and damaged axel which they replaced. I did not authorize him to charge my card XXXX and destroy my car, and he is claiming I paid for something that I did not even take my car in for. I requested cash app to fully refund my funds and filed a complaint with the CA state of California department of automotive repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has violated my federally protected rights under the FCRA which protects me from unfair and inaccurate credit reporting practice. You were to ensure the information reporting is in a manner thats fair and equitable to me and you failed to do so. I have sent multiple letters and complaints in hope of getting help rectifying the issue and Experian has been willful and negligent non compliance with Federal law. Attached is a Notice of Intent To A Lawsuit along with the instructions on how to rectify the situation. PLEASE BE ADVISED The Attachment is time Sensitive.
Product: Checking or savings account

On XX/XX/XXXX, Chime Bank closed my account without my approval. Requests to get information on the validity of closing account have remained unanswered. They only stated that a closure check would be mailed within 14 days. 

XX/XX/21, I informed the bank that I had not received my funds, and that I had moved to a new address. They asked for my last four digits of my SSN, front and back of ID, a selfie with me holding my ID and a piece of paper with todays date and name written, and a proof of address. I submitted the requested information. ( they would ask me to resend multiple times throughout this ordeal, and would change what they would accept for proof of address ) XX/XX/21, informed chime that I had never received the closure check. They asked for the above information, again so I sent on XX/XX/21. 

XX/XX/21 - requests to speak to a supervisor denied. Multiple instances of being hung up on with customer service. 

XX/XX/21 - Submitted information again. They replied that a closure check would be sent 7-10 business days. 

XX/XX/21 - Check still not received. Inquiries on status of closure check sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have gone unanswered. Bank is now refusing to communicate and they still have not provided me with a closure check.