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

This communication has the purpose of submitting a formal complaint to Wells Fargo for what I consider the inappropriate handling by your part of a case regarding XXXX account that I have at that bank. I have been trying to solve this issue for 18 months now with no solution in sight. 

Let me explain my case below : In XX/XX/XXXX or XX/XX/XXXX I opened an account in Wells Fargo Bank , NA in the Office located at XXXX XXXX, Fl XXXX. 

During the second half of the year I learned that this account had been subjected to fraud. Therefore, I contacted the bank with the purpose of finding a solution for this inconvenient due to the fact that my account registered unauthorized withdrawals for the order of approximately {$2000.00} On XX/XX/XXXX received the following communication via email in which you stated that a provisional credit had been applied to my account while the investigation proceeded : Later in XX/XX/XXXX, I received confirmation that the case had been properly resolved Investigation has been completed ATM/Debit/Prepaid Card Claim Reference Number XXXX XXXX : Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of this claim and determined that an error did occur. We have sent a letter by mail with the details of ourinvestigation. 
Despite this, the bank notified me that in order to activate my account I had to go XXXX of your agencies. 
On XX/XX/XXXX I traveled to the XXXX, specifically to Washington DC, and went to XXXX of your agencies in XXXX located at XXXX Washington DC XXXX. XXXX, XXXX XXXX XXXX XXXX Representative, was the person who took my case and guided me through the required steps to reactivate my account. 
The Representative put in me in contact with the XXXX Department. They asked me specific questions to verify my identity and then, from what I understood, XXXX received authorization to activate my account. 
For this purpose, several actions took place, among them online password changes, the request of a new debit card and a new password change. 
I went out of the bank thinking that the problem had been successfully solved and that I could use my account normally ; thus, on XX/XX/XXXX, I deposited {$5000.00} in my account. 
Then I tried to transfer that money to another account but I was n't able to. In consequence I contacted Customer Service on XX/XX/XXXX, and they notified me that my account still had transfer restrictions. 
They told me that I should make a new trip to your offices to reactivate my account which should have been done during my visit in XX/XX/XXXX. 
I ca n't travel back to the XXXX in the short term due to health issues and the fact that I live in XXXX, XXXX. Besides, the reason why I ca n't use my account normally is due to restrictions imposed by the bank ; or at least that is the information that the XXXX Department shared with me the last time I spoke with them. 
In consequence, I request your assistance in this case in order to lift the restrictions still in place in my account. 
Thanks, XXXX 
XXXX XXXX : +XXXX ; XXXX : +XXXX ; XXXX : +XXXX
Product: Credit card or prepaid card

I received a collection notice from a firm for a XXXX credit card purchase and penalty and interest. The card was issued from Comenity Bank. I have no record of the credit card, no record or awareness of the purchase. I never received any information from XX/XX/XXXXComenity regarding a credit card, terms of the credit card, the disputed transaction ( including item purchased and sales cost ), annual percentage rate, terms of payment, late payment penalties, or any other notifications that may be required under the Truth in Lending Act, Fair Credit Billing act, or other fair credit/consumer protection act. 

I reviewed this with one of the collection companies. After numerous conversations about the situation, I was finally provided with a copy of a credit card bill, with no information of a transaction, but only a statement of past due amount and interest and penalty charges for that month. I requested documentation of the transaction but none could be provided. I therefore filed fraud dispute. 

Comenity Bank responded to the dispute stating that their investigation found no basis for my dispute and they would thus commence forwarding statements to me. They have still provided no information regarding a purchase transaction, a credit card, terms of the card, etc. Their response stated that they received my dispute on XX/XX/XXXX and they " completed their investigation '' and composed their letter one day later on XX/XX/XXXX. 

In conversations with the collection company it was found that the alleged credit card bills were sent to a general area where I was living but it was improperly addressed to an address that does not exist. I would never have provided that address to anyone, and I am not aware how they obtained it. 

I have been harassed by collection companies for months on this issue and have never received any information to validate their claim of a purchase or credit agreement. 

Past correspondence to Comenity is attached.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumes with the necessary proof of investigation. 

These accounts listed below I have marked as inaccurate : - Discover it XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent you another dispute letter containing the list of accounts and items that don't belong to me over 30 days ago ( XX/XX/2023 ) but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes so kindly please take a look at my case.
Product: Vehicle loan or lease

First Interstate Bank ( " Lender '' ) approved the loan and disbursed the funds after viewing all application info and insurance cards, which were required to be submitted. 

A few months later, Lender sent letters via unregistered mail advising that updates needed to be made to the insurance deductible ( lowered from {$2000.00} to {$1000.00} ). 

Those letters were not received as our mail was on hold and we were out of town. No additional use of our contact information was made - Lender has both an email address and TWO phone numbers at which we can be reached. 

Instead of trying to actually reach us, or even trying to confirm in any way that we had received the letters, Lender very quietly added {$10000.00} to our loan on XX/XX/22. No notice was sent of this whatsoever. 

A month later, when one of our credit reporting systems picked up that our balance on the loan has INCREASED, we were very surprised to see that the XXXX $ XXXX had been added to our balance. 

We called the Lender and learned that this is an " insurance premium '' for insurance with the {$1000.00} deductible covering the life of the loan- but we have 67 out of 72 months left and we have already updated the deductible. 

We have now discovered that the payee for the insurance that we are paying $ XXXX for is the Lender, that they are charging us interest on the insurance premium they are charging almost 6 years in advance, and that THE LENDER EARNS A COMMISSION ON THE INSURANCE POLICY they scammed us into. 

I believe this is the definition of a racket. 

Furthermore, since the loan term did not change and the balance has increased, our loan payment has increased but we were never given notice of this, not even when we were on the phone with the lender discussing this very topic. Lende withheld material information that would certainly lead to us making an insufficient payment next month, leading to more fees and additional credit score impact. 

This is a very shady practice and I'm sure it makes First Interstate Bank a lot of money at the expense of well-menaing people everywhere who, like us, always pay their bills and choose to do the right thing whenever there is awareness. 

We've already updated our insurance. Lender has still not updated our payment amount so we don't even know how much to pay. Lender does not allow autopay or to may larger than usual payments without jumping through many hoops including waiting on hold on the phone for long periods of time. 

We now see that we have a loan with a shady scammer lender and will be refinancing as soon as possible, but our credit score has already been impacted by this and we face significant financial impact as a result of the additional > $ XXXX dollars added to our loan that we didn't budget for. 

First Interstate Bank is predatory and failed to inform us when they had the means- the intention was always to charge us this scam fee and earn their extra commission and interest. They had our phone numbers and email address. This is known because they used that contat information to confirm our identities when we called in to find out what was going on with this fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance Owed : {$170.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; CHILD SUPP XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$78.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In the last 27 hours, this company has called me 6 times and sent me a text message. They are leaving messages stating they have my application in a pending status and they want to know if I want to move forward or cancel. I have never applied for a loan with this company. I am not even in financial distress that would warrant applying for a pay day loan.

This is an absolute abuse of solicitation and predator lending. This company has called me as late as XXXX. 

I replied to their text message to opt out but the calls continue.

My credit report hasn't even run in the last 90days, so I know I have not applied for anything. 

They have called me on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifaxs end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Jerrerson Capital system has been attempting to collect a debit from me that does not belong to me. I have advised the creditors as well as the credit bureaus that account number XXXX does not belong to me. I was asked by the compmay to supply a copy of my ftc report which I have mailed at least 5 times and this account is still showing on my credit report, I would like Jefferson capital to stop attempting to collect on this debit with me and close this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX, XXXX, and Innovis for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against the credit reporting agencies XXXX, XXXX, and Innovis regarding their failure to report accurate information on my credit report, as outlined in the attached correspondence from First Progress Card. 

On several occasions, I have disputed inaccuracies related to my XXXX XXXX account. Despite my efforts, XXXX, XXXX, and Innovis have refused to report this information accurately, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

The attached letters from XXXX XXXX clearly indicate that the account in question was properly verified and should be reported accurately. However, the refusal of these agencies to report the information is not only unjust but also detrimental to my credit score and overall financial reputation.

Furthermore, under 15 U.S.C. 1681n, consumers have the right to seek damages for willful noncompliance by reporting agencies. I believe that the actions of XXXX, XXXX, and Innovis fall under this category, as they have neglected to fulfill their legal obligations to report accurate information.

I request that both the Consumer Financial Protection Bureau and the Federal Trade Commission investigate this matter and take appropriate action to ensure that my rights, as well as the rights of other consumers, are upheld. I expect a prompt response to this complaint, along with any necessary steps to rectify the inaccuracies on my credit report.

Thank you for your attention to this serious matter.

Attachments : 1. Letter from XXXX XXXX XXXX dated XX/XX/year> 2. Letter from XXXX XXXX XXXX dated XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I proactively changed my payment due date online from the XXXX to the XXXX, considering the XXXX grace period, in good faith after consulting an Ally Auto representative about aligning it with my new income schedule. However, in XX/XX/XXXX, a late payment was reported to credit bureaus. When I contacted Ally Auto, a different representative informed me that due dates can not be changed online and must be processed directly through Ally Auto as an approved extension. As a result of this miscommunication, a late payment was reported despite my consistent payment history on the XXXX of each month, as shown on XXXX, Ally, and my bank records, since I began my lease on XX/XX/XXXX, up until the change in XXXX. 

Since then, I have contacted Ally Auto multiple times, including an email on XX/XX/XXXX, requesting an accurate update to my credit report. On XX/XX/XXXX, I received a letter by mail from Ally affirming their reporting as 30 days past due for XX/XX/XXXX. That same day, I filed a dispute with XXXX and contacted Ally again to request correction of the inaccuracy. On XX/XX/XXXX, XXXX displayed, " Your original Dispute was Modified, '' and on XX/XX/XXXX, " Completed investigation of FCRA dispute - consumer disagrees. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account beginning in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

This  Collection  agenc y Company Capital One has f ailed to provide proper verification of the account. This company has not and could not provide in formation like documents bearing my signature that I owe ( {$410.00} ) t o them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  Capital One about providing proof of documentation bearing my signature that the account belongs to me. I feel they are trying to be smart by having the same account number under on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$410.00} ) then all files under my name and my social security number on my   credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX   to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted i mmediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of   the FCRA
Product: Credit card or prepaid card

I have been a Citibank Diamond Preferred Card member since XXXX Recently noticed a monthly charge of {$48.00} for " Payment Safeguard '' on my card and called. 
I was told it is for disaster assistance and it has been charged to my account since XXXX. 
I told them I do not have any recollection of agreeing to the charge and asked if they can prove it to me. 
They claim it may be that I signed a flyer. 
I never signed anything nor did I agree to anything by phone. 
I asked for proof of the flyer, but nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately
Product: Money transfer, virtual currency, or money service

I have a previous complaint filed that has gone on for months unresolved ( XXXX ) regarding funds in a supposedly " secure '' website, coinbase, that was hacked and my funds were drained. Since then I have been unable to log into my account, despite repeated attempts to contact the organization. My password was changed by the hacker, and coinbase will NOT get me access into my own account. They keep responding with the same autogenerated e-mail to check my spam folder. I have followed all their instructions, and I am unable to log in. Now, I received an e-mail from coinbase that my e-mail was changed from XXXX to XXXX. I DID NOT authorize this, and it provides a link if I didn't initiate it, however, when I click the link it sends me to the login page that I have been unable to use for the last 3+ months. They are unresponsive, and completely devoid of any culpability regarding this lack of security on my account. At this point, I would like my money back and to close the account, but at the very least, close the account but I can't even get them to do that. I think coinbase is a shady organization that does not protect it's customers, and worse, exposes them to fraud and theft, with no accountability.
Product: Credit card

On XX/XX/2024, my XXXX  XXXX XXXX  was XXXX. On XX/XX/2024, Wells Fargo Bank entered negative remarks onto my XXXX credit file stating that my credit card account with them was " charged-off ''. 

XXXX said creditors can not enter negative remarks onto accounts previously XXXX in XXXX-after the fact. 

XXXX said to contact Wells Fargo regarding my concern. 

I telephoned Wells Fargo using their telephone number appearing on my XXXX credit report, and I was transferred to XXXX different departments within their organization. I never spoke to anyone who could lead me to help ( or even provide an address for me to mail a record of my concern ). Nevertheless, I was ultimately transferred back to the original Wells Fargo telephone number that I had dialed.