23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, XXXX, and Equifax continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ( XXXX Equifax, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from Equifax, XXXX, and XXXX in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3  credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from Equifax showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and XXXX  XXXX XXXX
Product: Checking or savings account

Over 15 % of my income has been taken by Wells FARGO with countless fees. {$1000.00} 's!!! Separate fees of {$35.00} each were without warning of exactly when or how many. It is impossible to predict. Fee stacking is used to perpetuate more fees and in turn keep the account at a level that only causes more outrageous fees. It has had devastating consequences on my finances and on my life. I am about to get evicted and lose my car because of it. I am emotionally wrecked. The bank i trusted my money to has taken it from me!
Product: Checking or savings account

Wells Fargo has opened several fraudulent bank accounts in my name wells Fargo is answering only two only two the account ending in XXXX and XXXX. However Wells Fargo opened an account ending in XXXX that they have refused to send me any statements or any information concerning this account I recently spoke to a Wells Fargo representative who was answering to the fraud that took place on the other account at that time. The representative informed me that the account ended in XXXX was a legitimate account I said to the agent send me the statements from XXXX because that account was not legitimate The agent told me that she could not send me information concerning XXXX until there had been an investigation. However, according to her conversation she had informed consumer protection bureau that they were answering to my complaints concerning the other accounts today an email from Wells Fargo answering to every other account except the one ended in XXXX. Consequently, the email made reference to the account that I said was fraudulent that we had spoke about on yesterday. That was not the account that we spoke about. We spoke about the account ending in XXXX and account in which Wells Fargo refused to send any statements or acknowledge that that account was in my name only on the phone did the representative say we didn't send information about XXXX because the consumer only reported the account ended in XXXX to CFPB. I wanr to inform you that I need Wells Fargo to reply to my request to receive statements from account in it in XXXX This is the account that someone had opened and was sending monies to someone at XXXX XXXX and XXXX XXXX  XXXX and other utilities in the city of XXXX AL. This this is also the account in which I was told {$80000.00} a day could be drawn from that account. I need Wells Fargo to provide a statement concerning the checks that were cashed through this account and all the monies that were paid out from the account ending in XXXX.
Product: Checking or savings account

they required a XXXX balnace and said when that was confirmed the account would be closee. I was XXXX balnce on XX/XX/XXXX, the account was not closed, and then they changed another account service fee, XXXX. I've been trying to close this account for 2 months and keep being charged service fees.
Product: Vehicle loan or lease

I inquired about a consumer credit transaction with the dealership known as RightWay Auto Sales. During the inquiry a representative by the name of XXXX insisted he can get me a car regardless of my credit score or profile. I asked him multiple times if credit would affect the transaction he then advertised it would not make a difference and I should be able obtain the car upon my ability pay or employment. He continued by issuing me a application which I then endorsed as the registrar and owner of the account for an extension of credit. When I asked about the application they informed me It was denied credit without any further disclosure. I asked them to inform me of the reason which I have the right to know as a consumer to express my right and interest in the contract. The representative told me it was to late at the time and nothing he could do about it. I later received multiple credit inquires which I was not aware of nor did I consent to as the principal owner. The application were fill with fraudulent and inaccurate information I never provided. This is a violation pursuant to Truth and lending Act for failure to fully disclose and inform the consumer truthfully of all information pertaining to the contract. This also is a violation of my consumer rights pursuant to the following acts and statues listed ; The Equal Opportunity of Credit act 15 U.S.C. 1691-1691f, Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Fair and Accurate Credit Transactions Act of 2003, Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x and lastly Federal Trade Commission Act 15 U.S.C. 41-58, as amended. I am expressing all right and interest as a consumer and principal owner of the account I am seeking remedy and compensation for the the personal, emotional and legal damages done to my personal intangible property pursuant to the my 4th amendment constitutional right and violations of the federal acts and statues acknowledged above heretofore.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take times and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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.
Product: Debt collection

XXXX XXXX continues to call when asked to cease all collection attempts to my work number and he has crossed the line, threatening legal action, imprisonment, wage garnishment, asset collection, and credit reporting against me. He has also after speaking with me today, at my work as I told him I could not talk he called back I had my boss in the office and it is an unidentified number I assumed for work, when I answered he began the threats above and when I asked the amount he could n't give me a set amount I told him I contacted the owner of debt who said they do not have further information regarding the debt and will not provide it any further. He again called again, then when I again asked him for the XXXX time not to call my office or work, he called today, then when I told him I would rather it go to collections where I can deal with a claim in writing instead of giving them my money over the phone, he said so you are refusing to cooperate I said yes, he said we will contact our lawyers and it will cost you more, then he proceeded shortly after this to contact my mother at her place of employment, my father and my sister all ina matter of 1 hour with him stating he is a location service attempting to find me and collect a debt from me or they could settle it for me. this is crazy ... illegal and wrong to even continue this I can lose my job and how can he say I owe and contact family members who were never on my loan and give them false information that he is a location service? his contact number is XXXX x XXXX and it states they are an assets management service.
Product: Payday loan, title loan, or personal loan

I checked my contract and called the company over a month ago to check on the process of finalising the loan and obtaining a title agreement and was told that once I paid I would receive my lien release and title in the post. There was no mention of a delay in the time it would take for this to happen. 

I called last week and a customer service representative told me that it would take 8 to 10 weeks for XXXX to process my title. I called back and was told the process could take 4 to 6 weeks. The representatives were rude and at that time I was told I would receive no notification or confirmation of paying this off. 

I paid off the loan on Monday XXXX XXXX. The customer service representative then told me that Driveway finance corp take 21 days to release the lien to XXXX to ensure that they have actually received the funds. I have spoken with two representatives and they themselves are confused as to why the lien is not being released immediately on the electronic lien release system that is required by law in Pennsylvania. 

I have asked for something in writing as this is not in my contract and isnt online. 
I would like my lien release as I have paid for the car in full and need to sell it. The emails have been ignored.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve issues with fraudulent accounts and incorrect personal information on my credit report, but despite mailing and calling several times, there has been no progress.
Product: Checking or savings account

On XX/XX/2023, I got two bank statements, one for a checking and one for savings account, from BMO Harris Bank. I contacted them on XX/XX/XXXX at XXXX XXXX, and I spoke with a person and informed them that the accounts had been opened in my name fraudulently and requested that they close the accounts. The bank representative took my information and said that they would send the compliant to the bank 's fraud department and that they accounts would be closed. I asked if I would receive something in writing, ensuring the closure and she said the bank doesn't do that, so I was forced to take her word for it. 
On XX/XX/XXXX, I received another bank statement form BMO Harris Bank for the fraudulent savings account opened in my name. The period on the statement was for XX/XX/XXXX to XX/XX/2023. Therefore, I called BMO Harris Bank on XX/XX/XXXX at XXXX XXXX, and spoke with a person named XXXX ; she refused to provide her last name. She claimed that the accounts were closed but failed to provide me with any other information such as the date they were closed. She also refused to provide any proof of the closure in writing, so they could be mailed to my address and I'd have proof of the closures. 
I am in the process of contacting an attorney to see if I can force BMO Harris Bank to provide written proof : XXXX acknowledging the accounts were opened fraudulently in my name XXXX proof the savings and checking accounts were close and when.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2019 Amount : {$220.00} Action : Attempted Withdrawal from a XXXX Debit Card ATM Location : Wells Fargo ATM, XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone : ( XXXX ) XXXX Transaction Date : XX/XX/2019 Transaction Amount : {$220.00} ( @ XXXX ) Reason for Dispute : The cash was deducted from my XXXX balance immediately, but the money DID NOT dispense from the Wells Fargo ATM machine . The ATM gave me an error message and told me to contact my financial institution. I did not get any money, but it shows as a completed transaction in XXXX. I have contacted XXXX who initially refunded me and then later, took the money back and stated that the money was due to the merchant. I reached out to Wells Fargo directly, called, emailed and even went to the Branch where it happened. After several phone calls from Wells Fargo representatives ( who were very nice ) and promises to help, I was told there was no way they could track the ATM balance and could not help me since I was not a Wells Fargo customer. So basically, I am just out of {$220.00} an Wells Fargo has no liability even though it was thier ATM machines that faltered. I have used this card many times in the past to withdraw cash and have never had an issue, this time the money did not disburse and I feel it was an ATM error ; however Wells Fargo did nothing to get my funds back to me, and basically said since I dont have a Wells Fargo ATM card, they could not track it. They called me and claimed they did a thorough investigation- but there was no mention of my money being returned - just them again reiterating that they could not track my card ( which I did not ask them to do ). They CAN assess the balances in those ATM machines, along with how much was in the ATM machine, and how much was disbursed. And, if the money was disbursed after me to someone else, they also have cameras on those machines. It can not be impossible for a BANK to track the money disbursed from thier ATM machines. I need my {$220.00} back and would appreciate some help. This is unfair to me and poor practice from the bank as they claim to have all these security measures in place..cameras and accurate accounting are part of security too. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I have a 15 year mortgage that 's paid by weekly. The problem I see is Wells Fargo takes the money out of my bank, and does n't apply it right away. they wait untill the end of the month then apply both payments. So I 'm missing out on the extra interest that I should have paid but is n't. I 'm not even getting interest on the money they take out for two weeks, and they get to use it anyway they want for two weeks interest free. 
The first payment gets taking out on the XXXX of the month it is put into my mortgage but not applied as credit untill the end of the month when the next payment is due then they combine them and then credit my account. 
that does n't seem fair. Why am i not getting the benefit of appling the payment right away Thank you XXXX XXXX CT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX ( account ending in # XXXX ) listed on my consumer report has violated my rights as described below : 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 state 's a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B states a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed.
Product: Mortgage

Attach is proof that Wells Fargo sold my default payment to XXXX XXXX after I paid to for the Downpayment with my XXXX XXXX XXXX XXXX and I ask put {$50000.00} down and {$10000.00} for closing I did not have an loan for down payment not closing cost and had an year to return to home or Mortgage and they did not help me relocated I was harassed the hold time while fighting for my life and because of the Foreclosure Wells Fargo reported of Credit Report and XXXX I did not even sign an contact with just was allowed to purchase my personal and confidential information and Federal Employee which also prevent me from rent and now in Shelter in State of New York and unable to rent I did not default on Mortgage with XXXX when I did sign an contract with them and Bank and they allowed to report poorly about me and also prevent me from renting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. Although I was able to obtain my XXXX credit report Experian refused to provide report through this site without explanation. I reached out to XXXX  directly and requested an explantion and copy of said report to date XXXX  has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified mail to have the XXXX XXXX  account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.
Product: Credit card or prepaid card

BJ 's Parks Mastercard issued by Comenity Capital Bank holding customers rewards money due to the technology issue. This issue is going on for months and they are not giving 5 % rewards on purchase at BJ 's. The statement showing they are proving 2 % only and most case 0 % ( document attached ). The reward activities are very confusing and it appears the bank is hiding the reward money. There is no way for a consumer who can understand the reward activities in their online account. The Bank website showing the following message for months in their website. 
" Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance ''
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been XXXX  online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this XXXX. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Applied Bank XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 a. Clearly states that 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 an account without my written instructions.

15 U.S.C 166B : A creditor may may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today XXXX has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a XXXX  car XXXX  in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.
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 XXXX XXXX : # XXXX, State of mi office XXXX  : # XXXX, XXXX XXXX : # 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 a account with my written instructions
Product: Checking or savings account

I am writing to file a complaint against navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. I have been a member of navy federal since XXXX.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : LVNVFUNDG Account Number : XXXX Reason : Unverified account Each unauthorized account on each credit bureau has XXXX different date on when it was open.