23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against XXXX XXXX for Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing this complaint to bring to your attention the egregious violations committed by XXXX XXXX, a company engaged in unfair and deceptive business practices. My complaint is grounded in the violations of various consumer protection laws, including but not limited to 16 CFR 313, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 16 CFR 433.4, 16 CFR 433.5, 15 USC 6801, 15 USC 6802, 15 USC 1681, the Privacy Act of 1974, the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Act. 

I recently discovered that XXXX XXXX has been reporting my transaction history to TransUnion, XXXX, and XXXX without my explicit authorization. This unauthorized reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, the following violations have occurred : 16 CFR 313 - Privacy of Consumer Financial Information : XXXX XXXX has failed to provide proper notice and opt-out mechanisms as required under XXXX CFR XXXX. Moreover, the company has neglected to obtain my explicit consent before disclosing my nonpublic personal information to credit reporting agencies. 

16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses : XXXX XXXX has violated this regulation by reporting inaccurate and unauthorized information to credit reporting agencies, damaging my credit history and causing harm to my financial reputation.

15 USC 6801 and 15 USC 6802 - Protection of Nonpublic Personal Information : XXXX XXXX has failed to implement and maintain reasonable procedures to protect the confidentiality and security of my nonpublic personal information. 

15 USC 1681- Fair Credit Reporting Act : The company has unlawfully reported inaccurate information without obtaining the required authorization, thus violating the FCRA. 

Fair Debt Collection Act : If XXXX XXXX is attempting to collect a debt, the company must adhere to the Fair Debt Collection Act, which includes providing accurate information and validating the debt upon request. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their blatant disregard of consumer protection laws. I also request that you ensure the correction of any inaccuracies reported to credit bureaus and the cessation of unauthorized reporting. 

Thank you for your prompt attention to this matter. I believe your intervention is crucial to protecting consumers and upholding the integrity of the laws designed to safeguard their rights. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX. I went to the store to make a purchase and my card kept getting declined. I called the number on the back of my card to see what the issue was about after going back and forward for about XXXX, I was told they could not help me and that I would need to write a specific department to see what the issue was about. I paid for my items, not suing the credit card being declined and went home. 
Once at home I called again and was advised I was being recorded, I too recorded the conversation. 
The supervisor told me that the reason my account was restricted was because I sent a Cease and Desist to Comenity Bank. I explained I have a copy of the C & D dated XX/XX/2022 and that it clearly stated to C & D from sharing my personal non public information since I was never given the proper disclosures about permissible purpose and my right as a consumer to 'Opt Out ''. The C & D was never giving them instruction to not communicate with me as a consumer regarding this account. 
I was told by the supervisor that whenever they get a C & D they restrict the account/ block the consumer from using it. As I was Understanding, I stated to him '' so you are telling me that in retaliation to the C & D, commenity bank restricted my account from using my credit card, simply because I was asking commenity to respect my Privacy according to the law and not share my information '', he once more, confirmed it " yes we do that whenever we receive a C & D. I asked him to state his name for the record and he did, he then informed me he would submit a complaint on my behalf. I told him what the company did was unlawful and that I would be pursuing it legally. 
he provided a case number. XXXX I have copy of the letter sent to them and delivery proof of the C & D sent to them on XX/XX/2022, along with certified mail receipt tracking number. 
Fact : No prior notice or warning regarding the status of my account had been given, nor provided to me through any means of communication. The only letter I received from commenity stated that they received my correspondence and that they noted my account. I have that letter with me.
Product: Vehicle loan or lease

-- - Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Formal Complaint Against Wells Fargo for Mismanagement of Car Loan and Repossession Fees To Whom It May Concern : I am writing to file a formal complaint against Wells Fargo concerning a car loan and repossession issues. I am currently going through financial hardship but have been making every effort to meet my obligations. The situation started with a repossession in XXXX due to a missed payment, after which I worked diligently to resolve my account. However, despite my efforts and what I believe are unfair practices by Wells Fargo, my car has been repossessed again without sufficient cause, leaving me in a very difficult position. 

Here is a summary of my situation : 1. Initial Repossession in XXXX The vehicle was repossessed in XXXX without any prior written or verbal notice. I was recovering from a personal loss, making it difficult to manage my finances. Despite this, I saved up and arranged a payment plan with Wells Fargo.

2. Agreement Misrepresentation In a call with a Wells Fargo agent, I was informed that my payment of approximately {$2500.00} would cover all past-due payments and repossession fees, bringing my loan current as of XXXX. This call was recorded, and the agent confirmed multiple times that this amount would fully cover my outstanding balance. 


3. Lack of Documentation I was promised written confirmation detailing the breakdown of charges, which I never received. This lack of documentation has made it difficult to understand what I am being charged.

4. Timely Payments Post-Repossession Since making the XXXX payment, I have continued making timely payments for XXXX and XXXX, with proof of these payments through bank records. I even set up an automatic payment for XXXX through XXXX Bank to ensure I remained current. 


5. Unjust Repossession in XXXX Despite my timely payments, my car was repossessed again on XX/XX/XXXX. Wells Fargo claims I am behind by two payments, with an additional {$1000.00} in repossession fees. They informed me that the XXXX payment did not cover all charges, contradicting what I was told on the phone. Additionally : XXXX payment was received, yet they claimed they misplaced XXXX payment. 

XXXX payment was scheduled for XX/XX/XXXX, which is three days after the repossession.

6. Request for Investigation and Dismissal I called Wells Fargo to open an investigation, and the agent promised to provide an email address for sending payment proofs. However, I never received a follow-up or the promised email address. When I called back the following day, I was informed that the case was closed without my input or evidence submission. 



Impact The repeated repossessions and lack of clear communication have made it difficult for me to go to work and maintain financial stability. I believe Wells Fargo has mishandled this case and may be unfairly profiting from repossession fees in partnership with their tow company. The lack of transparency and failure to honor the agreed-upon payments have left me in a precarious situation.
Product: Credit card

Huntington Bank closed both my checking accounts and my line of credit along with my credit card! Asked for Reason why and the lady was very rude and kept talking over me! Considering I have over XXXX XXXX XXXX dollars worth of vehicle loans with them! My phone was stolen and I exercised my federal right of reporting Fraudulent transactions. Shortly after this they begin closing all my accounts saying I was a high risk!
Product: Checking or savings account

I have  3 issues with Wells Fargo : 1 . Failure to honor a promise through Customer Service to refund overdraft fees, after discussing the entire affair with the  Executive Office.  I have a running message dialogue with  Executive Office re presentatives, and spoke on the phone ( where the promise was made ), and despite reminders and additional demands to honor the promise,  Wells Fargo ha s failed to follow through.  <P/> 2. The underlying unfairness of the fee itself, which I 've also messaged and verbally addressed with the  Executive Office. Specifically, it is Wells Fargo  practice with their debit cards ( and likely credit cards too  )  to BOTH pre-approve a card transaction on a low account balance AND to charge fees when the transaction exceeds the balance. In this manner, their practice functions to check available balance ( i.e., knowledge of low balance ) and approve card use despite the likelihood of exceeding account balance - and then they charge an overdraft fee. That 's patently unfair, especially when technology is used by other banks to only approve up to the amount available, after all the card used was a debit card not a credit card. Moreover, the vendor where the debit card was used was a gas pump. My other debit card from another bank only approves an expenditure that correlates with existing balance.  Wells Fargo ' s policy is unfair, manipulative and predatory. And, they have knowledge and control to prevent a customer from incurring repeat {$35.00} fees.  <P/>  3.  When I depos it a Cashier 's Che ck, which is a guaranteed funds instrume nt, Wells Fargo e mplaces a Hold on the funds. The Federal Reserve, which governs bank behavior and the proper treatment of deposits and the legality of funds holds, has regulatory provisions on Cashier 's Checks : From the Federal Reserve  ( o n Cashiers Checks ) : Sectio n 229.10  Next-day availability States that the regulation requires that cash deposits, wire transfers, and certain check deposits th at Congress b elieves pose little risk to the depositary bank, such as Treasury checks and cashiers checks, generally be made available for withdrawal by the business day after the banking day of deposit.  <P/> I have messaged th e Executive Office at Wells Fargo about th eir noncompliance with Federal Reserve authorities on Cashier 's Checks. The hold length they 've imposed is as long as 10 days! Cashier 's Checks are guaranteed funds and are cash equivalents. Their explanation for the hold includes account history. Beside the inadequacy of that justification under Fed rules for  Cashier  's Checks, their assessment of my account history directly ties t o Wells Fargo 's u nfair practices associated with  # 2  complaint above. That is, they 're unfairly charging fees and next using that unfair practice to justify an improper Hold emplacement upon a guaranteed funds deposit.  <P/> I have record of my messages with  the Executive Office at Wells Fargo, wi th names and contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.
Product: Credit card

I was discriminated by XXXX XXXX because they allowed family members to decide if I was attractive on XXXXXXXX XXXX XXXX 

My underwear was stolen from my government room that I applied in person. Any male in the area think they can sleep in my room without a XXXX XXXX XXXX. I opened an account in XXXXXXXX XXXX XXXX. My Social security checks were returned to Treasury Department, Denied Employment and not even fit for a pet like a cat or dog.
Product: Checking or savings account

When I pay my XXXX XXXX phone bill, funds appear immediately deducted ( within moments XXXX from my Wells Fargo checking account and posts as a pending transaction on my account as I view through my mobile banking application. The following day ( after paying my bill XXXX the transaction no longer appears in my checking account history and the funds appear added back to my balance. The bill pay transaction ( over the last few months ) will then not appear in my history until up to a week later, when the funds are again deducted. During this week long 'lag in batch processing ' XXXX customer service agents and billing specialists assure me that they have my money as of the day I paid my bill. I believe Wells Fargo is purposefully, removing and delaying these transactions in order to charge me hundreds of dollars in over draft fees. I feel both companies choose to point fingers at each other while I pay the price. The fact that a transaction can post to my account one day and then disappear for a week, is a scam. Seems like its illegal, and if it is n't it should be. This type of behavior is unacceptable. I expect restitution for this most egregious hardship. A similar complaint has been filed against XXXX regarding this issue through the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGA

TED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

I sent my mortgage company an email asking them to send me a written explanation of there second escrow bill. They did not want to respond to me by email and told me to call. My issue is I received an escrow bill in XXXX for {$6400.00}. After I had issues with the bank applying my escrow payment I made a complaint here with you. Finally mid XXXX I got my escrow lowered. However, XXXX  sent me anew escrow shortage bill and it does not add up to what they initially sent in XXXX. To explain I sent a shortage payment in XXXX of XXXX but was charged the full XXXX Mortgage payment in XXXX which covered the escrow shortage of XXXX which equaled a total payment to my escrow of {$6300.00} leaving a balance of XXXX. With that said the bank sent me a new escrow shortage bill of XXXX. Not only did they increase the shortage but the statement shows an increase from the initial statement in XXXX for the escrow/ impound. The first statement show the escrow/impound at XXXX and now on the new statement it shows it at XXXX. I dont understand why the numbers changed and now Im paying more then was stated in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX and Experian. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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. 
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 : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.
Product: Debt collection

A medical bill of of {$370.00} owed has been fully paid but the collection agency has incorrect balance, payment record and history. I had called and disputed the reported debt on the credit bureau, still it has not been corrected and continues to impact my record negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX STILL reports in over days past due. XXXX  reports that I have utilized 990 % of my available credit. I have been denied an EIDL for my XXXX  XXXX  thanks to this fiasco.
Product: Vehicle loan or lease

I submitted final payment via US Bank App. 2 weeks later I receive a letter that there was an issue and it was returned-no explanation. I called and was told a payoff can not be made via the app and I need to either wire at my expense, mail a check ( no address provided ) or go to a branch. And it takes 2 weeks to process-Why are they making it difficult to pay off and I et additional interest charges-Every other payment can be applied and via app but not final?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year>2024 -Registered email online to receive XXXX bonus XX/XX/year>2024 - opened account XXXX/XXXX/2024 - enroll online banking XX/XX/year> - received direct deposit Terms followed 1. Register email 2.enroll online banking 3. direct deposit completed in 90 days
Product: Mortgage

Freedom Mortgage is illegally delaying and taking excessive time in reviewing and making a decision for my loan modification application. Freedom Mortgage excessive delays, often causing my application documents to expire, which then they would close the application due to expired documents. To date, no decision has been made on my loan modification since first applying in early XXXX. 

I spoke with a loan modification representative at Freedom Mortgage on XX/XX/XXXX and was advised that I was missing an explanation on transfers from account ending in XXXX. I have made numerous fruitless attempts, to explain the {$16.00} DEBITS ( from account ending in XXXX ). On XX/XX/XXXX, l gathered and emailed 61 pages to Freedom Mortgage loss mitigation department. Freedom Mortgage  acknowledged receipt of all pages on XX/XX/XXXX. It is my understanding from Freedom Mortgage that the purpose of the bank statements is to verify my income was received ( bank statements included in the 61 pages emailed ) and verify all income ( all deposits were explained with letters in 61 pages sent on XX/XX/XXXX ). My loan modification application ( as of XX/XX/XXXX ) is pending closure per Freedom Mortgage because of failure to explain the transfers from account in XXXX. 

Because of the delay in my loan modification application review which, violates mortgage servicing rules I was deprived of the ability to make an informed choice about how to save my home, which caused me to file for bankruptcy.
Product: Money transfer, virtual currency, or money service

Chime sent me a debit refund check for {$200.00} on XXXX of 2024 the check was physically damaged therefore I could not use it or cash it other then that it could not be read so I called chime to discuss and relay this information and issue and they confirmed and approved to send me another refund check in the mail for the same amount to the address on file in other words reissue they never sent it I never received the check
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX Fortiva Credit One
Product: Checking or savings account

I recently opened a new checking account with Wells Fargo bank in New Jersey where I work on XX/XX/year> I was told from the teller who open my account to make any deposits at the atm being that I was on my lunch break I deposited XXXX $ cash for the opening and decided to deposit my tax check when I got off later that day the atm was giving me a problem depositing it so I just gave it a rest and waited to the following day because I tired my self. XX/XX/XXXX I had the same problem until I tried one last time and it went thru the only issue was the deposit amount my check is for XXXX the atm deposited XXXX I called up immediately and gave all the correct information and they put my account on hold and now emailing me demanding closure which the whole problem was their system fault and which I feel is a small problem that shouldve been fixed immediately