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

On XX/XX/2023, I received an email addressed to me by first and last name at my email address from Wells Fargo that they have received an application for a " Wells Fargo Time Accounts ( CDs ) ( 3 months, 4.50 % Annual Percentage Yield ) ''. I did not apply to open this account. That night I called Wells Fargo customer service and talked to 3 customer service reps including the identity theft team to verify that there is no application for a Wells Fargo account under my Social Security Number. However, over the next week, I continued to receive a series of emails addressed with my name on them about the following topics : " Access your deposit account documents electronically, Your Wells Fargo contact information has been updated, and especially concerning, emails to rate a visit to a Wells Fargo branch on XX/XX/2023 ( which I of course never visited since I am the victim of the identity thief ). I sent these emails to the identity theft / phishing team at Wells Fargo which they is what their customer service rep told me to do. 

On XX/XX/2023, I called Wells Fargo customer service again to report that I am still continuing to receive multiple emails with my name in them about a Wells Fargo account that I never opened and even visiting Wells Fargo branches, which I did not do. I spoke to the identity theft team at Wells Fargo and they said that there are no accounts at Wells Fargo using my Social Security Number. However, they are not able to search for accounts using my full name or my email address. They are also not able to search based on the Wells Fargo application ID that I received in that original email from XX/XX/2023. The rep also told me that they are not able to close the account that the identity thief opened so that I will continue receiving emails from Wells Fargo associated with this account forever. Theres effectively nothing they can do to resolve this situation in terms of closing this account and remove my name from the Wells Fargo system. 

Im reaching out to the CFPB for help on this issue. I would like Wells Fargo to treat this as a serious issue of identity theft and close this account and remove my name from the Wells Fargo system.
Product: Debt collection

Back in XXXX, I suffered from identity theft. On XX/XX/XXXX I filed a dispute on 8 collection accounts that doesn't belong to me, six were removed but at the End of XX/XX/XXXX they appeared again on my credit report. I ask the companies to send me actual signed documents by me that's proves those accounts belong to me and not all of them respond and others just send me copies of the bill, which it doesn't prove anything. Please help me solve this issue. Thank you
Product: Money transfer, virtual currency, or money service

I want to add funds to XXXX debit card but PNC has a limit of XXXX dollars per month transfer allowance. PNC will not let me directly link my PNC account to XXXX to keep it funded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) account # XXXXhas violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXsection b. XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX ) account # XXXXincluding third party debt collection accounts associated with ( XXXX ) account # XXXXbecause the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Product: Student loan

I co-signed a student loan for my daughter years ago through I believe was XXXX XXXX. Since then the load was taken over by NAVIENT. I had no knowledge or notice of this transfer and in the process NAVIENT did not have any correct contact information for me on hand. Last year I get notified by my credit reorting service that a late/non-payment notice hit my credit score ( XXXX ). I contacted both my daughter and then NAVIENT, updated my information, paid whatever was due, and asked them to remove the late payment from my credit report since I had not been previously been contacted about the payment. After many attempts to have this corrected, nothing has been done and no one can give me an answer as to why. Also no one will call back. I noticed your agency filed a suit against them and thought you might be able to help. I have never had a late payment in my life let alone a non payment. I would like to have this fixed. 
Thank you!
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit card or prepaid card

A credit card was opened in my name in XXXX. 

I havent used a credit card since XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX, I received a call from Wells Fargos number. I answered it and immediately a man who claimed to work in Wells Fargo fraud department started speaking. It all seemed so real. He told me that my account had been flagged due to a {$3000.00} transfer between by account and the XXXX XXXX XXXXXXXX in XXXX. He asked me if I had initiated this transfer and I informed him that I had not. He started walking me through the steps of XXXX and was saying I had temporary credits on my account and would have to send those credits to receive my funds back. He had me add the recipient as my name, XXXX XXXX, and my own phone number so I was under no impression that this was a scam. He induced me to send {$900.00}. Once I sent the money, I saw my bank account was completely drained. I immediately called Wells Fargo, it had not even been an hour later. They filed a claim and said I would be receiving my money back in 10 buisness days. I am a XXXX XXXX XXXX college student and really do not have {$900.00} to spend. This devastates me. I called last Thursday, XX/XX/XXXX to ask about my funds. A gentleman informed me I would be seeing those back in my account by Friday, XXXX. I was not too worried because I have been a customer for years and assumed they would help me. I called today on XX/XX/XXXX since the funds were not yet back. I was on the phone for three hours and transferred to XXXX different people. None could help. They informed me my claim had been denied since I authorized this, so there is technically " no scam or fraud ''. They also informed me that they could not reopen the claim because it would be immediately closed again. I am so upset about this. I am completely broke and I trusted Wells Fargo with my money and with helping me get it back. I have heard of several people going through this and Wells Fargo has reimbursed them. I think it is unfair that I was told I would be helped and would receive those funds back and yet no one is helping me. I was told by representatives that they do not have control over XXXX, but Wells Fargo is one of 7 banks who owns XXXX so I don't understand. I feel that I should be protected under the Electronic Fund Transfer Act ( Regulation E ) and feel hurt that my bank is not helping and saying that this is basically my fault. I was under the impression that I was speaking to them and I did not just spend {$900.00} for fun. I would never just spend that amount, I don't have the funds to be spending that. That is a solid months rent right there. I'm struggling and I feel like no one at their bank is assisting in helping me with this case or helping to get my money back.
Product: Checking or savings account

Bank of America closed my checking and savings account on their own accord, unexpectedly, and won't return give me my money back. I get many unworthy excuses reasons why. One was a check will be processed and send on XX/XX/XXXX UNACCEPTABLE!! 

The available amount balances they quote in my accounts are completely incorrect. 

I am in dire need of " MY MONEY '' not a loan or credit. I have suffered financial loss and mental stress as a result of Bank of America 's criminal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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 reporting, credit repair services, or other personal consumer reports

Recently, I requested a ( long form - vault copy ) of my XXXX birth certificate. I was encouraged to use an online service. Which is endorsed by the XXXX Vital records department. ( VitalChek ). 
During the verification process I was asked a series of VERY Specific questions about my history. One question asked about a bank loan/court/mortgage WHICH I HAVE NO KNOWLEDGE of. I asked VitalChek about this mysterious question. They said these questions are public record. Whats my next step? It sounds like fraud or bankruptcy. 
Please note : I am not upset with the vendor. I want to find out more about the record. 

How do I research this further? Currently, I am in XXXX. 

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting Transunion in regards to the recent response to my CFPB Complaint XXXX XXXX. Again, Transunion has not properly provided verification of method of verification. You cant verify through a data furnisher! This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1600.00}
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time of transaction authorizations, I was charged overdraft fees due to delays in the posting of charges and credits. 

This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal, which identified similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a thorough investigation into the transactions on my account.
Product: Debt collection

I have numerous problems with specific account. For a start, I don't have XXXX service. Never have. I've never had a tv network opened in my name period. In the event this happened, my identity definitely was stolen and I've informed the bureaus and police of that ( earlier this year ). I thought after going to the police that they handle it ( shows how much I know ) but that's not the case. 

I reached out to XXXX, asking for any and all information regarding this account. They don't even have a contract bearing my signature, accurate copy of my license, nothing. How can you say an account was opened by me with no security measures to ensure it WAS ME? 

Bogus. They've stopped responding after notifying them of the many violations. I then wrote the collection agency asking the same thing. No response. Over it at this point. This year has been a nightmare and I think it's unfair how some ( not all ) turn their heads when true victims of identity theft have to deal with this. I've been attempting to resolve this since XXXX with the creditors directly, with the bureaus since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX ; XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # : 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX 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: Checking or savings account

Online access frozen on the morning of XX/XX/XXXX Called and was told their system detected suspicious activity and that I was would receive a call that day or the next day on next steps. 
I did not receive a call. I called the evening of XX/XX/XXXX and was told that someone would call the next day. I did not receive a call. I called again XX/XX/XXXX and was told it would be 10-30 business days before someone would reach out to me. When I asked to speak with a supervisor or manager, the employee told me " I can't process that request '' and hung up the phone. I have yet to hear from anyone or regain access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}XXXX XXXXA XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX  ( Original XXXX : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXXXXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, XXXX, and Transunion that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by One Main Financial. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. XXXX XXXX, and One Main Financial, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my repoXXXX 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
Product: Vehicle loan or lease

I purchased a lease with XXXX of XXXX XXXX and they added fees on my lease that was never discussed during our purchase. The fees are optional but when I told the finance representatives to remove it, he didnt and said he cant remove, although I never consented to them being on there. On top of that he made me pay for a extra {$870.00} for a service that was charged on my lease already. 

This would have been ok if the service are was actually providing the free services actually promised when I first purchased the vehicle. However, it was a lie I spoke to the service area and they claim that they havent provide free car washes for 2 years. This is supposed to be a luxury dealership but it feels like a scam dealership.