23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I rejected the response fro m Wells Fargo  on  XXXX   XXXX   2017 to c omplaint #  XXXX  and WF closed the case before I could respond to their response. I would like CFPB to forward this rejection to WF for the original complaint To  XXXX   XXXX  at WF, I DO NOT once again accept your explanation and response of  XXXX   XXXX   2017. FINALL Y, you have provided the fee schedule that I have been asking for the last 6 months. It now confirms my long standing issue that in addition to the {$16.00} fee for an incoming international wire ( per the fee schedule but waived for me as a premier customer ) there was another {$30.00} deducted from my  XXXX  transactions each that is NOT in your fee structure and thus UNAUTHORIZED and UNACCOUNTED. You again claim ( like   XXXX     XXXX  and   XXXX   XXXX   from your department ) that I should contact the intermediary bank.  XXXX  IS THE INTERMEDIARY BANK. You three " Senior Correspondence Specialists '' might learn from your junior colleagues a t WF (  "  XXXX   XXXX , my Branch Manager at the  XXXX   XXXX   XXXX  and a person in the wire department that clearly understand that WF is the Intermediary Bank and owe me an explanation ). On top of that, the three of you do not want to call me to clarify and instead keep sending me long winded responses in irrelevant and inaccurate self -praise of customer service hoping to bury the real issue. You could call  XXXX   XXXX  to understand what I am asking for! But you do not want to do. So I have to believe there is a definite intentional effort not to respond to this issue of transparency by WF. You will not tire me out in pursuing this. I want to make sure this is not systematically happening at WF. With thousands of wire transfers thru WF per day, this charge could amount to millions of unauthorized collections from unsuspecting consumers. I am now going to contact main stream media watch dogs to pursue this further.  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had few of inquiries affected my credit to low credit that which they told me that will not affect of inquiries to my credits until I was checked my credit scores and I found out that I had many inquiries. No wonder I cant get approval for buying first time house. I am learned about it for inquiries. Please helping me to remove the inquiries out from my credit scores. So I can buying new house with my first time. 
Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted TransUnion regarding inaccuracies in my credit report. Unfortunately, to this date, I have not received any response from TransUnion. I am writing to bring this matter to your attention and seek assistance in resolving the issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccurate information and the required corrections : XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$30.00} The following account was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit card

When applying for a card I was told they don't approve " my kind '', being I am XXXX american.
Product: Debt collection

Disputed this account numerous times stating the erroneous violations under FCRA & FDCPA but keep coming back verified. these violations can be {$1000.00} per violation in a lawsuit.
Product: Credit reporting or other personal consumer reports

Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XXXX my credit took a XXXX point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter XXXX point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped XXXX points in 3 months.
Product: Money transfer, virtual currency, or money service

I electronically wire transferred {$1500.00} on XX/XX/year> at XXXX XXXX ET to Venmo through XXXX  XXXX XXXX and learned Venmo does not accept wire transfers. When I got with a Venmo assistant, they closed the chat on me rather than explaining what steps would be taken. The representative name was XXXX.
Product: Bank account or service

My problem is with the Bank Of America because they charge me {$35.00} of overdrafts and those overdrafts bring me payments returned When we call for explanation they say that the system does not give you information about what is causing the overdraft ; Only this month I have gotten over {$130.00} of overdrafts ; I have signed a letter requesting that they do not overdraw my account charge but even they charge me overdrafts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately. 

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 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 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 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 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 Please remove it from my credit report.
Product: Credit card or prepaid card

Bank of America does not allow a business credit card to set up autopay to pay their statement balance on their due date. The process is purposely set up to be cumbersome and confusing in order for a business owner to be late on their payment, incurring fees and interest. 

BofA should allow any business credit card user to have the same ability as someone with a personal credit card - be able to set up autopay to pay their statement balance on its due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was " Denied '' credit. I called up " Experian '' in order to get my " FREE '' annual " Experian '' credit report to see why I was " Denied '' credit. " Experian '' told me that I would have to " Pay '' for my " FREE '' annual credit report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  agreed to fix a problem with my credit reporting, which it did. However after fixing it, they reinserted the problematic information a few days later. XXXX published the information mere days after it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX, XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update Experian report XXXX XXXX XXXX XXXX, XXXX XXXX IQD paid in full XX/XX/XXXX Account # XXXX {$590.00} IQD paid in full XX/XX/XXXX, Account # XXXX {$550.00} IQD paid in full XX/XX/XXXX, Account # XXXX {$2300.00} No judgements and No Eviction satisfied debts clear rental history The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have violated by the bureaus and/or creditor via the following account XXXXt # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION
Product: Debt collection

Whom ever may concern, I was just billed a bill from a collection agency that a balance from XXXX is opened for {$750.00} but i paid all the debt owed to XXXX. company convergent is the collection agency has reached me and the bill was from XX/XX/2017 the letter from convergent advised me to file a compliant.
Product: Money transfer, virtual currency, or money service

After seeing coinbase.com on XXXX, I decided to buy bitcoin, ethereum and litecoin.
At the moment, I should have Bitcoin : approx XXXX coins Ethereum : XXXX coins Litecoin : XXXX coins On XXXX XXXX  2017, my coinbase account requested my user name and password to log in. After I provided, the message came up to go to support and provide my ID and proof of address. I uploaded my drivers license and sent it to them.
I received a message that " support @ coinbase is no longer enabled ''.
I opened a case with their online support. Case # XXXX.
A few hours later, I received a response " We will follow-up with you as soon as we have an update. '' As of today, I have n't received a resolution or response.
I see several other unhappy customers that are in my position. How can a company run their business without timely customer support? How can they still continue advertising and generating new clients with out rectifying the issues with their previous clients.
I suspect that this is a billion dollar ponzi scheme!
Please help
Product: Credit card or prepaid card

I have two CitiCard accounts ( one through Costco and one through XXXX XXXX XXXX   XXXX  ) I applied for Covid-19 assistance to defer my minimum payments for XXXX and XX/XX/XXXX. At that time, my minimum payments were around {$200.00} for each card. ( FYI I am being charged a ludicrous 27.4 % interest on the balance for the Advantage Citicard account and 15.24 % on the Costco Citicard account. ) At the time I applied for assistance, I understood that interest would accrue on these accounts. I was NOT told that I would be responsible for paying - in full - the entire amount of interest that accrued and pushed me over my credit limit. Consequently, I received a minimum payment due for the AAdvantage card for {$850.00} for XXXX and {$310.00} for the Costco account! This is not helpful for someone who is struggling at the moment due to the pandemic. 

On XX/XX/XXXX, I called Citicard to see what they could do. I asked if they could extend my limit so that my minimum would not be so large and unmanageable. I asked if they would reduce the interest rate. They offered to allow me to pay {$240.00}. on the AAdvantage card but that I would still have a huge minimum payment next month! 

So, as it stands, I am worse off now than when I originally applied for the assistance. This is a gross misrepresentation of this promoted service and it's a ripoff when interest rates are so astronomical. 

It is no help whatsoever for struggling families to ask for help and then be suddenly gouged like this causing even more financial stress during a time when they've experienced hardships through no fault of their own. 

Please see what you can do to help consumers on this issue for ALL credit card companies. Their greed is way beyond normal. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX account was hacked by a third party who took over my ads in XXXX XXXX XXXX They charged my XXXX Credit Card {$2000.00} for paid ads. XXXX could not refund me and directed me to XXXX Fraud department. I called the number online and unfortunately it was a scam. The " XXXX '' department had me initiate two wires in order to refund me the {$2000.00}. They scammed me into wiring {$11000.00} to them. I can not reach anyone at XXXX to help me. A total of {$13000.00} has been stolen from me. I attached the bank statement showing the two wires.
Product: Credit reporting or other personal consumer reports

I requested them to send me a letter that stated this was a fraudulent activity by someone else and the bank did a Hard Inquiry. The bank is CB Indigo did not have my permission to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report.I am devastated to find out Im a victim of identity theft. I have found numerous accounts open without my knowledge. This has been hurting me for I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report. Thanks In advance
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX  now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX Acct # XXXX # XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXXXXXXXX Inquiries : # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal let a fraud transaction go thru. I called them and they scammed me into their policy by purchasing gift cards using my checking acct scam me out of XXXX. I followed the policy like a XXXX. I have names email etc. they downloaded XXXX XXXX and XXXX XXXX onto my cell phone. Had me drive to XXXX to purchase XXXX. XXXX in gift cards. I used XXXX from XXXX also because he said there was a error on their part and refund the money. It never happened.