23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a local small business ( startup ) owner writing about a credit card application that was denied. To be clear, I am not writing to necessarily contest the declining of the application, I am writing to report a total lack of transparency and dearth of knowledge regarding small businesses on the part of Wells Fargo associates. Through the process of applying for their small business credit card, it became clear that they inaccurately advertised the credit card and that their process disproportionately harms new businesses. 

For background : I have been a Wells Fargo customer for XXXX years and have very good credit. Since forming my company, I opened a small business checking account at a local Wells Fargo branch. I submitted the documents required to prove ownership. Ultimately, they rejected the application because the company is pre-revenue ( as are many many early-stage companies ). However, the claims included in my rejection letter state : " Unable to verify business, business phone number, and/or business ownership. '' Those claims are entirely illegitimate. 

Before receiving the letter of rejection, I was called multiple times by phone agents at WF XXXX XXXX who were entirely uninformed that all businesses start at XXXX. None of them understood how a small business could possibly not have a Schedule C on their tax return. Fundamentally, WF XXXX XXXX appears to only recognize businesses that have been operating for more than a year ( with revenue ) and this information wasn't presented upfront in the XXXX application. We are pre-revenue and have no Schedule C for XXXX. 

Clearly we have a verified business, business phone number, and business ownership. Were being pre-revenue to have disqualified us for a XXXX XXXX XXXX, that should have been clear from the beginning of the XXXX application. We wouldn't have applied for credit. Now, my credit has been pulled twice and I have now been denied credit twice, and that has negatively impacted my credit. As a consumer, and as an early-stage business owner, I have been wronged. It is also worth noting that I was advertised the card that I applied for. 

The worst part about their entire process is that it became clear that their playbook is to question the legitimacy of the business/ the integrity of the business owner.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Transunion, XXXX, XXXX I am A Victim of Identity theft I am want to request updates to my personal information and to ensure the accuracy of my credit due to credit report and identity theft in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name Update : Please update my name to XXXX XXXX XXXX. Attached, you will find supporting documentation for this change. 

Address Update : Please update my current address to the following, which is accurate and deliverable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth and Social Security Number Confirmation : For your records, my date of birth is XX/XX/1990, and my Social Security Number is XXXX. 

This information is critical for accurately maintaining my credit file. 

Removal of Previous Addresses : I also request the removal of all previous addresses associated with my credit report. These addresses are not deliverable by the US Postal Service, and fraudulent due to identity theft making them inaccurate and not reportable under the FCRA. Ensuring that these addresses are removed will help in maintaining the accuracy and integrity of my credit information. 

I trust that TransUnion, XXXX, and XXXX will take prompt action to update these details and remove the inaccurate information as required by law. Enclosed are copies of documents that verify my identity and support the requested changes ( e.g., government-issued ID, utility bill for the new address, Social Security card ). 

Please inform me in wrong once these updates have been made to my file. Should you require any additional information or documentation, feel free to contact me. 
Thank you for your attention to this matter and for your cooperation. 

Sincerely, XXXX XXXX XXXX Attachments : Proof of Identity ( Copy of Driver 's License or Passport ) Proof of New Address ( Utility Bill, Lease Agreement, or similar
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX. XXXX I went in for a XXXX XXXX preventative treatment ; I had them and my insurance company verify acceptance and coverage prior. I paid my {$75.00} co-pay each visit. There was no deductible. XXXX, totally covered. No issues whatsoever. Then they tell me to do an XXXX XXXX  to make my skin healthier for the XXXX. Also, they say covered. 
6 months later, I receive a bill for {$1000.00} 's owed to them. My insurance didnt cover all of it?? I sent in my claims from one insurance company and found out for another, they never filed the claims. They say they will fix it ... Several calls and emails later, they say they are working on it. XXXX in their billing dept. I assume its been sorted as I hear nothing and it is obvious I had 2 companies with insurance at different points. 
2 years later, I get a collections notice and multiple dings on my credit!! I look at XXXX and XXXX and find so, so many people have gone through the same thing. I tried disputing this activity on my credit reports to no avail. They are right, I am wrong and my credit rating is now affected. 
There are more things XXXX XXXX did, so far in the wrong- I stopped going, before this billing fraud ever happened. Very telling of their unethical practice.
Product: Credit card or prepaid card

Well none of your options fit my problem. I went to ask my fnbo card a question but dialed wrong number. I already deleted number. They asked repeatedly for account verification and I told them everything. They made me listen to adds I became enraged and they hung up. In the morning I called the card again to complain of the call. They said I dialed wrong number and they had already declined charges they had put on card from the adds they made me listen to but assured me they would not charge me for but did. Fnbo advised me to file an identity theft report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA XXXXection 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$970.00} XXXX XXXX XXXXTY XXXX XXXX XXXX : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Has reported a collection on my transunion report No recollection or knowledge or contractual agreement ever conducted with this company
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have failed to respond to my dispute letter from almost XXXX ago. On XX/XX/year> I sent the letter notifying them of inaccurate and unauthorized information on my report along with a request for debt validation documents for 2 unknown collection accounts. By not responding within the 30 day time frame required by the FCRA they have violated my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I opened a Suntrust account when I was XXXX old on XX/XX/XXXX. Prior to the pandemic, Suntrust merged with BB & T to create, Truist Bank. Today, I went to my local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL to conduct a same day wire transfer for a deposit on a rental. 40min after my arrival, the lady who was assisting me provided the completed paperwork to the banker for approval, in which he denied because he stated my signature was not the same. He then provided the lady who was assisting me with a printed copy of my Personal Account Signature Card from XX/XX/XXXX. His office was less than 10ft from her desk in the lobby, with his door open, and not once did he come out to explain the issue with my signature. Instead, all of the paperwork had to be reprinted and I was told to sign exactly like my signature was when I was XXXX old, without the banker even coming out to verify my identification in person with my ID in hand. My signature on my DL that was updated in XXXX is still different from my initial signature 20yrs ago, however, that has not stopped any banking transactions in almost 20yrs. They were so worried about their survey score that they had another lady talk to me to apologize about the situation and explain that they were concerned my signature was going to get rejected, and that it is necessary to update my Personal Account Signature Card, but because I was so visibly upset and confused after waiting an hour, they mentioned to come back another time. My response to them was the disgust in the lack of Customer Service from the banker, who could have easily explained the importance of my signature, that even they all agreed can change over 20yrs. If this is such a pertinent issue for transactions of this importance, then why is there no communication from these Banking Institutions ( Suntrust, BB & T, which is now Truist ) to update signatures. This experience was embarrassing and upsetting, which should have been a momentous occasion for me to celebrate my new home. Instead, they were more concerned about me as a transaction and not as a customer for nearly 20yrs. When sharing my story with family, co-workers and friends, the same issue has happened with them at Truist Bank. This is beyond unacceptable, especially when the customer is physically inside the branch being assisted by a banking representative. There's a reason why there's an " i '' in Truist. " I '' no longer trust this banking institution and look forward to opening an account elsewhere.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stating I owe {$30.00} to a Creditor which is PayPal Inc . 

I contacted Collector at XXXX and explained to them that this is fraud and I already have all 3 credit bureaus frozen. I have been dealing with Fraud for last 7 years on a regular basis. I never dealt with PayPal Inc . This is not my account or charges, this is Fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX Unknown XXXX, XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Purchased a macerator from Amazon on XX/XX/2019 for {$830.00} and discovered it was defective so it was returned on XX/XX/19 with an approved refund which was never sent. 

Disputed with Synchrony / Sams credit card but they refused to issue a refund stating the merchant indicated " the services were rendered '' - it was not product and not service and it was returned. 

Attachments will show purchase, approved refund, return label, dispute with Sams and their response which demonstrates they did NOT bother reading the dispute OR using a brain to see the product was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX XXXX XXXX, reported me 120+ days late on my Experian report. They also reported me late, not making a payment, and having a past due balance in XX/XX/XXXX. In XXXX they reported me 90 days late. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Experian report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Experian via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XX/XX/XXXX to support my request ( all uploaded for your review ). I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing  documentation of my positive payment history, and negative information was added. The report now reflects Outcome-Updated : Status remained " Paid, Closed '', late monthly payments were changed in the Payment History to show XXXXCLS, and Recent Balance was was changed to " Not reported ''. The results from this investigation do not make logical sense. I made my XXXX payment on XX/XX/XXXX, my XXXX payment on XX/XX/XXXX and my final payment on XX/XX/XXXX ( which paid off the account ), but the Payment History shows 30 days past due in XXXX and 60 days past due in XXXX. I provided documentation of all these payments, and a XXXX balance, yet they remain on my report after the investigation and a {$0.00} balance is not reported. I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Experian has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

Albert refuses to close my account they was paid Back in XXXX from my savings account they said they didnt receive payment when in fact I sent them proof of payment multiple times you will also see proof of payment they have a history of system failure I sent also there cash account statement showing they gotten their payment
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX via XXXX INTERACT XXXX XXXX XXXX XXXX XXXX via XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with Experian ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( XXXX  ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with Experian, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my FICO score.. This is way the Dispute.
Product: Mortgage

Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.
Product: Debt collection

I have received another demand lette r, ( {$6400.00} ) t his time from  XXXX   XXXX , for a debt that was settled ov er three deca des ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.  <P/> I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  at  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX inquiries that appear on my credit report, which i did not authorize. These inquiries are fraudulent, and I request that they be removed from my credit report immediately. 

The authorized inquiries are as follows : XXXX. Inquiry from 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 XXXXXX/XX/XXXX I did not apply for credit or authorize these inquiries, and I believe they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and I am requesting that these unauthorized inquiries be investigated and removed. 

Please notify me in the writing when these inquires have been removed.
Product: Credit card or prepaid card

I was warned by my card company ( by phone ) that two XX/XX/XXXX resort charges for {$1100.00} and {$600.00} looked like possible fraud. I informed the card representative that my daughter and I did not make these charges. He cancelled our cards. Later, I receivied a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the two resort charges. I called a card representative and told him the two charges were on my bill. He cancelled our cards again. Next, I received a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the resort charges and interest on those charges. I sent my letter of XX/XX/XXXX to the card company complaining and asking removal of the fraudulent charges and interest from my account. I then received the card bill for XX/XX/XXXX-XX/XX/XXXX with the fraudulent charges and more interest still on the bill. I sent my letter of XX/XX/XXXX complaining and requesting a reply by XX/XX/XXXX. I then received the card company XX/XX/XXXX letter stating : " Per our records your account was issued a credit from the merchantin the amount of {$600.00}. Therefore, we have billed your account {$600.00}. This correction shows on your XX/XX/XXXX statement. We now consider this investigation complete. '' I then sent my letter of XX/XX/XXXX saying I had not received a credit of {$600.00} from the resort. The card company then replied by their letter strangely dated XX/XX/XXXX saying I was previously rebilled for the {$600.00} charge, and they had recredited my account for this amount. The adjustment would appear within one to two billing cycles.The card bill for XX/XX/XXXX-XX/XX/XXXX showed the {$600.00} credit, but it showed a balance that included the original fraudulent charges plus interest. ( I admit that I did not initially notice that the original fraudulent charges were still included in the balanced owed. ) I then sent my letter of XX/XX/XXXX saying that my card bill should only contain my current charges. I want my futures billings to only show what is owed from current charges and no interest. I always pay the full blance that I owe on my cards ( minus fraudulent charges ) so that I never incur any interest.