23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/19 I went to a XXXX  dental office for a free consult. and by the end of the appt the dental office had some how in a very slick and quick manner conviced me that I needed all kinds of work done and when I said ok they opened a line of credit via wells fargo in the amount of {$8500.00}. and charged my " NEW ACCT '' a total of {$8500.00} for services I had not even received yet. not realizing the office had already charged the acct I made a 2 appt on XX/XX/2019 to start the work. after returning home from second appt I received my wells fargo credit card statement which included a new charge in the amount {$8500.00} with an interest rate of 12.99 % which is very high as my credit score is close to 900. I called wells fargo right away to question the how they can charge the high interest rate on A+++ credit and knowing that I have another credit card with them in great standing with a lower rate. I was told that they had no control of the rate and that the dental office has the control to lower it. How is that possible? The dental office had the card number before I even had a chance to get the card in the mail and read over the terms and see the rates. If the office would have let the paperwork and card to be sent to me before they charged it I would not have said no to doing the work. I never signed a credit app or was not aware or told the fees and rate just charged. when I asked the dental office why the whole amount of {$8500.00} was charged before any work was really done I was told that in order to have the teeth impreions made into mouth plates that they needed to be paid in full for them. so I was under the asumsion that the cost for making the mouth plates would be charged only. not the whole amount quoted for " Phase! '' work which by they way is the same amount of money no matter the patient or work to be done. I also never received an itemized invoice with item and amount for each in plain English so I can understand where the {$8500.00} was spent. I called the dental office and found out that they can or could change my interest rate would even give me 2 years with 0 % if paid in full at the end of 2 years. if not paid in full I would owe all the back interest rate and my rate would go back to the 12.99 %. how is it that the dental office can change or assign the rates and not the lending company? how is it that they can assign credit without looking at the credit score. they run a credit check to check credit but fail to get rates based apon the credit score. i have already closed the account in question and i am disputing the account and charges of {$8500.00}. And i stopped making contact with the dental office as well. and still don't have anything for the money that was charged. I feel that Wells fargo and XXXX XXXX XXXX XXXX, XXXX are practicing unfair and predatory credit card lending and unfair business practices.
Product: Debt collection

The company is Atlantic Finance and Credit based out of XXXX, Virginia. I try to call and pay what I owe and they are clearly dodging my phone calls. I was finally answered by someone and transferred to a voice mail after hours of calling. They will not call me back and continue to charge my bank account {$22.00}. They have hundreds of reviews online about them not contacting consumers or being extremely rude when someone finally males contact. They are being extremely shady and unprofessional and I want my debt paid so I can remove them from my credit report and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX  ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX Michigan XXXX ] Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute a hard inquirys on my credit report that I believe was made in error or without my authorization. Upon reviewing my TransUnion credit report, I noticed the following inquiry that I would like to have removed : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry, and I have no record of applying for credit with the company listed. Therefore, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to conduct an investigation and provide me with a response within 30 days. If additional information is needed to assist with your investigation, please let me know. 

Please confirm receipt of this dispute, and inform me of the outcome of the investigation as soon as it is completed. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Social Security Number ( Last Four Digits ) ] [ Enclosures : Any relevant documentation, if applicable ] Be sure to send this letter via certified mail so you have a record of submission. Keep copies of everything for your records. Let me know if you need further help!
Product: Vehicle loan or lease

This is the letter I sent to the Wells Fargo Office of the President. While I was offered mediation they offered me to settle for an unacceptable amount. It worries me that Wells Fargo is in charge of providing refunds as its clear some people who were in the same predicament received much more compensation? Are they randomly compensating? Doesnt seem right. Several articles published from Wells state : For approximately 25k customers, the additional costs of the CPI contributed to a default that resulted in the repossession of their vehicle. Those customers will receive additional payments as compensation for the loss of their vehicle. The payment amount will depend on each customers situation and also will include payment above and beyond the actual financial harm as an expression of our regret for the situation Wells Fargo continues to engage in consumer abuses and the potential for widespread consumer harm still remains. 


Dear Mr. XXXX, Thank you for the reimbursement provided in XX/XX/2019, however I feel the amount was not sufficient for defrauding me and wrongfully repossessing my car. In total I have spent at least {$42000.00} to clean this up and get back to normal. I had excellent credit score, going from almost an 800 to below 500 after this nightmare with this bank. I could not get a car loan, or any loan for that matter on my own and had to halt attending grad school because I no longer had the good credit needed to receive a student. I spent THOUSANDS in taxes due to the fact that I was work some much during that time. I attempted retrieve documents from the IRS, however they informed me their records unfortunately do not go back that far. I had other credit cards go unpaid because I was trying to keep a roof over our head. I spent almost 10 years of my life paying off this debt, rebuilding and starting over financially. This experience also affected my mental and emotional health by gear/anxiety of never being able to recover, becoming homeless, fatigue from working non-stop. I worked an office job from XXXX, and then worked overnight at a group home from XXXX. I soon lost these jobs due to no transportation and became homeless. I was and still am very responsible and so I could never truly comprehend how this all happened to me. Its been over 11 years and the repossession no longer appear on my credit, so while offering to update my credit is appreciated, I have already corrected it by paying it off and had to endure the riddle of having a repo on my credit. WF trying to correct my report now will do nothing to undo the damage I endured. Imagine how that appeared to past potential creditors? The truck was 5 years old and They auctioned the vehicle for pennies leaving me with a ridiculous amount left to pay.

Thank you for your time, and I hope to hear from someone soon. Im optimistic that WF will do right.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting

Pentagon federal credit union applied fees to an account which was never used. Then closed the account for non payment. I even paid the fees. Now my credit report is showing derogatory remarks. Please fix
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing instructions
Product: Student loan

NELNET has totally and completely screwed up my total and permeant disability discharge on my credit reports and is reporting multiple duplicate accounts, FOURTEEN IN TOTAL, with grossly incorrect information and lies!! NELNET reported 14 accounts, NOT 7 discharged paid zero balance accounts and is dropping my credit score by XXXX points!! STOP THIS clear up my credit report! NELNET is reporting incorrect inaccurate information AND LATE PAYMENTS to ALL THREE credit bureaus, XXXX, XXXX and XXXX and this needs to be cleared up NOW!! There shouldn't be 14 accounts!! It should say 7 accounts, good payment history, CLOSED ZERO BALANCE, SEVEN ( 7 ) student accounts not 14!!

NELNET IS PREVENTING THIS XXXX VETERAN FROM PUTTING A ROOF OVER HIS HEAD BECUASE OF THIS GARBAGE!! I HAVE FILE A COMPLAINT WITH A US SENATORS OFFICE AND THE INSPECTOR GENERAL AS WELL!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I review consumer report that improper use of my credit was used and shows inaccurate information on my report please show proof or delete or paid follow accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX I also report fraudulent activity to both companies nothing has been done still on my report damaging my score and according to comsumer reporting agency make it vital to report maximum accuracy.
Product: Credit reporting or other personal consumer reports

I put my house in forbearance when the company got my account and i took it out of forbearance in XXXX, the paperwork was finalized and I made my first payment in XXXX. I have been trying to get a home equity loan or a cash out - refinance but I cant because the company marked my payment in XXXX as late on my credit report. Even though, I never had a payment in XXXX. Multiple companies I have spoken to told me that when you take your house out of forbearance there shouldnt have been a late payment. When I spoke to my loan officer about it, they were rude and told me there was nothing they could do about it and it wasnt their problem.
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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  XX/XX/2022.
Product: Checking or savings account

Dear Wells Fargo and CFPB, I am writing to escalate the ongoing issue concerning my Wells Fargo account ending in XXXX. Despite my previous attempts to resolve this matter, a satisfactory solution has yet to be provided. Therefore, I am seeking your immediate assistance to facilitate the release of the suspended funds. 

Background : XXXX checks totaling {$14000.00} were deposited into my account via mobile deposit. The checks were legitimate, and due to the time elapsed since their deposit, the physical checks no longer exist. I only possess paper copies of these checks. Despite multiple attempts by the check writer to claim the checks, their bank, XXXX XXXX XXXX, has refused to accommodate these requests, citing a time frame issue. 

Issue : Wells Fargo closed my account and is demanding the physical checks to release the funds. As the checks were destroyed post-deposit, I am unable to provide them. The ongoing suspension of these funds has created significant financial hardship. 

Request : Given the circumstances, I request the following actions from Wells Fargo : 1. Accept the paper copies of the deposited checks as valid documentation to facilitate the release of the suspended funds.

2. Explore any alternative legal avenues to retrieve the funds, considering the unavailability of the original checks.

3. Provide a clear and immediate resolution to release the funds, as the prolonged suspension is causing undue financial strain. 

Conclusion : Time is of the essence, and a swift resolution is crucial. I appreciate your immediate attention to this matter and look forward to a prompt and satisfactory response. If there are any additional details or actions required from my side, please inform me at your earliest convenience. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED!! 


I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX - XX/XX/XXXX. 

In XX/XX/XXXXsomeone fraudulently opened credit cards in my name. I put a lock on all 3 credit reports. I unlocked my credit so I could apply for a XXXX store card thru XXXX XXXX. I was told it would be approximately 2 hours before I could apply. I applied 24 hours later and was denied. Comenity Bank said I need to wait at least 48 hours before I applied ( Difference between what the credit agency told me and the banks policy ) Now that I have applied and have been denied because my credit was locked I can't reapply for credit with XXXX XXXX again until after 30 days. If I would have initially waited 48 + hours before I applied it would have been fine. Not one time was I told this information, not by the credit reporting agencies and not the bank. 

Why would the consumer be punished for 1 ) protecting my credit 2 ) lifting the lock and applying within the time I was told by all 3 credit reporting agencies. Why would the bank have a different policy? Why didn't the bank communicate that to the consumer. Why can't I re-apply after the longer wait period dictated by the bank? 

I have excellent credit, debt ratio, job and money in the bank but denied because I locked my credit to protect my good credit only to be punished by the bank.
Product: Debt collection

On XX/XX/19, USAA Bank called my husband, and after he clearly identified himself, they disclosed false private banking information with him.  Specifically they told him that my account was past due (there was no amount past due, the account was over the limit, but no amount was due), and attempted to get him to pay the "past due" amount on my behalf.  My husband is not a co-signer on this account and I have not authorized him to have any access to this account.  I've requested a written response as to why USAA violated my private banking information and why they shared that information with a non-authorized party, and more specifically why the representative made a false representation to obtain a payment.  USAA has refused to respond.
Product: Credit card or prepaid card

JP Morgan Chase Bank closed my business account without informing my company when reached out to them reference to this issue was very hostile and will not give a reason for closing the account, and holds my $ XXXX plus, claiming I will receive it in XXXX business days, which causes me late payments on all my bills, example mortgages, car loans, salary for employee 's this becomes very frustrating for my business hope this organization will be dealt with accordingly, I have done absolutely nothing wrong.
Product: Debt collection

I purchased a subscription to the XXXX XXXX and confirmed it would not be auto-renewed. Six months later I received a renewal form and contacted them stating I did not want the newspaper. We contacted them on XX/XX/XXXX to state the paper was still coming and we had not renewed ( they said they would cancel delivery and remove the charges. We received a letter from A.R.M. Solutions stating they were a debt collector and we owed {$230.00}. We called the XXXX XXXX on XX/XX/XXXX and they said they would contact A.R.M. and advise them the charges were removed. We continue to receive letters from A.R.M. trying to collect the debt. I spoke to them on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX who advised me to contact The XXXX XXXX again. My wife called the XXXX XXXX on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX # XXXX ) who advised her that we owe {$0.00} and A.R.M. would be advised. We received another collection notification from A.R.M and I contacted them today, XX/XX/XXXX at XXXX and spoke to XXXX  XXXX again who advised me I needed to go back to the XXXX XXXX as they had not advised A.R.M. of the correction and that I should send a letter of dispute to A.R.M. I find this to be irritating and harassing.