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

Wells Fargo has been charging excessive fees, even after being forced to refund fees as far back as XXXX from a federal class action law suit. I've been with them for XXXX years and they simply wont stop charging outrageous fees, despite intervention from state and federal governments. I contacted them, asking for at least a partial refund of the excessive fees but they declined after an internal investigation. 
They basically say that y'all have no power over a big company like Wells Fargo and that they can charge as they wish. Local Texans like myself just have to deal with their excessive theft by way of fees. For me, its {$840.00}, just from this account, but if we were to look at accounts, its prob in the thousands
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report to equifax, XXXX, and XXXX XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
Product: Money transfer, virtual currency, or money service

I am filing 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 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

After receiving a late payment notice via email today I tried to call Bank of America to clear up the issue but the associate hung up on me. 

* Issue : Bank of America ( credit card company ) has been assessing me late fees since XX/XX/XXXX for allegedly insufficient minimum payments, despite me making on-time payments. 
* Details : I've consistently made on-time payments, but the bank claims they were not the minimum required amount. The bank never notified me about the incorrect minimum payment amount or the outstanding balance until I received a past due notice via email today XX/XX/XXXX. The account is on auto-draft so payments are made automatically. 
* Request : Request a refund of all late fees imposed from XX/XX/XXXX to XX/XX/XXXX and correction of any late payment reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inquiries on my account that I do not recognize. Including ; 1 ) XXXX XXXX- inquiry date XX/XX/2020, inquiry is being reported inaccurately, no permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681. 

2 ) XXXX  - Inquiry date XX/XX/2020. Inquiry is being reported inaccurately. No permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681
Product: Credit card or prepaid card

I believed I was purchasing 10 APC units from someone online for us to resell. I was sent an invoice with a payment link for a total of {$3300.00} through XXXX XXXX. The transaction had an issue going through. I called XXXX XXXX  and representative advised me to cancel the payment request that came from the vendor and send two payments myself from ( One for {$2500.00} and one for {$850.00} ). Upon doing that, the transaction went through. I felt confident because XXXX XXXX  seems like a secure way to pay and I was using my Chase business Visa Debit Card, so that I thought I was protected one way or another. 

After the payment was made, I stopped hearing from the seller and could not get in touch with him. Calls to both Chase and XXXX XXXX  have resulted in nothing. From what they tell me, it's like I sent cash to someone over the internet. I can't understand how this makes sense. XXXX XXXX  should have policies and procedures in which people receiving money ( at least larger sums ) should take a while to get verified to ensure scammers just aren't out to get people. XXXX has very good policies in regards to that. 

Both Chase and XXXX XXXX  have only been able to say sorry, but we can't do anything. It has been an extremely difficult hit to our small business and have been left wondering if XXXX XXXX  should even be allowed to operate in an industry with little checks and balances.
Product: Student loan

In 2006 I cosigned a private student variable rate loan. The interest rate at the time was 8.68 percent. Today the rate is 8.75 percent .Even though the prime rate has gone down substantially the last 10 years the rate on the loan has not been reduced. It seems that the rate should have dropped. I have called the company and they have not given me a satisfactory answer. I think there is fraud here. Please advise
Product: Money transfer, virtual currency, or money service

Despite using Zelle a numerous amount of times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. I have lost over {$6000.00}. They informed me that the recovery of funds was not available. Zelle and XXXX has not only neglected their consumers but have failed to protect them and has allowed repeated offenders to exploit the system. The lack of accountability is unfathomable from a multibillion dollar industry. This concerns me and many other consumers because how do we know that our money is still our money? How do we know if our money is safe? We dont.
Product: Credit card or prepaid card

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint regarding TransUnions failure to properly investigate fraudulent items on my credit report. Despite multiple attempts to resolve this matter, the fraudulent items remain on my report, causing significant financial and personal hardship. 

On XX/XX/XXXX, I received an email from TransUnion acknowledging receipt of my dispute and stating that it had been seven days since they received it. The email further indicated that the investigation could take up to 30 days. However, as of today, XX/XX/XXXX, I have not received any resolution, and the disputed items are still present on my credit report. TransUnion continues to email me stating they are waiting for a response from the creditor ( s ), yet no substantive action has been taken to address my concerns.

The fraudulent items on my credit report are severely impacting my ability to secure housing. I am in the process of moving to accommodate my growing family as I am expecting a baby girl. However, my applications for housing have been denied due to the negative impact of these erroneous entries on my credit report. This situation has caused me significant emotional distress and financial hardship during what should be a joyful time for my family. 

I have provided all necessary information and documentation to TransUnion to demonstrate that the disputed items are fraudulent. Despite this, their failure to complete the investigation in a timely and thorough manner violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I am requesting immediate intervention by the CFPB to ensure that TransUnion fulfills its obligations under the FCRA to properly investigate and remove the fraudulent items from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue legal action to seek damages for the financial and emotional hardships caused to me and my family. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the mishandling of a debt collection by XXXX XXXX XXXX XXXX XXXX, in relation to an erroneous charge for an XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX through XXXX XXXX. 

On XX/XX/2022, I purchased the XXXX on an installment plan from XXXX XXXX XXXX via XXXX XXXX. However, I returned the device to XXXX XXXX within the XXXX return window on XX/XX/2022, due to dissatisfaction. Despite the return being properly processed by XXXX XXXX, XXXX XXXX XXXX erroneously billed me {$970.00} for the device, which was sold to XXXX XXXX XXXX XXXX XXXX for collection. 

Despite providing evidence of the return, including purchase and return receipts, XXXX XXXX XXXX XXXX XXXX continued its collection efforts and reported the debt to credit bureaus, severely impacting my credit score.
Product: Credit card or prepaid card

Reference number XXXX I have a Chase Freedom credit card for few hours and I have a good credit history. Chase sent a message various times I am pre-approved for CHASE SAPPHIRE PREFERRED card. I have applied online with all the details, chase team has pulled hard credit inquiry and not processed my application. When I called them they asked me to submit the date of birth and address proof documents. I have asked mode of document submission and they have given me an option to submit through Chase mobile app " Secure Message Center. I had submitted my documents within one month range of application submission and also I got a confirmation from XXXX XXXX [ Chase email Servicing ] AOC : XXXX phone # XXXX on XXXX at XXXX. No action from Chase team again I called them, and they asked me to submit the documents at Chase bank branch. I had submitted documents to Chase bank on XXXX to XXXX to fax at XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX I have called the Chase team again and they told me we have not received any documents and denied the application. I need justice why Chase team has wasted my time and why they denied my application though I have submitted my documents? Unnecessarily I lost my valuable time and it impacted my credit report/score as well.
Product: Credit reporting

On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.
Product: Credit reporting or other personal consumer reports

I have been disputing these inaccurate accounts for months.TransUnion have yet to do an investigation and have committed multiple violations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX  who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
Product: Debt collection

I have ask them for the contract where they bought the debt and prove they have the right to collect and i haven't received anything from them. 
account # XXXX {$740.00} account # XXXX {$850.00} account # XXXX {$570.00} account # XXXX {$540.00} account # XXXX {$360.00}
Product: Credit card

RE : XXXX XXXX Dear BANK OF AMERICA NAME, I, the consumer and natural person, was denied credit by BANK OF AMERICA when I applied for a WHATEVER YOU APPLIED FOR. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by BANK OF AMERICA due to the response I received.

BANK OF AMERICA is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA If BANK OF AMERICA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make BANK OF AMERICA NAME criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone attempted to obtain credit in my name on several occasions. There were several inquiries from XXXX XXXX  that I never applied for & I thought had been removed from all credit reporting agencies. After submitting inquiry removal letters from XXXX to All credit reporting agencies, XXXX and XXXX  were the only two that removed the inquiries, Equifax did not. I was part of the Equifax breach. I was told by Equifax to file a claim with the consumer that requested my report. Which I did- I forwarded the deletion letters to Equifax and they refused to remove the inquiries. Since i was unsuccessful at obtaining assistance from Equifax, I reached out to the police department again and The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. These inquiries are adversely affecting my credit. The language barrier of the Equifax customer service agents is impossible to understand. Some of the inquiries have fallen off, however there are two inquiries that are still hindering my report. One from XX/XX/XXXX and the other from XX/XX/. I have attached the deletion letters. Please please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXXXXXX XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Debt collection

This is considered a parked debt from a collection agency named Contract Callers. The only reason I knew this was a collection was because in XXXX of this year I noticed it on my credit report. I was never advised in writing. I was never contacted by the company XXXX of this debt. The debt in question is from XXXX. Contract callers is parking this debt as new collection and has it on my credit report as remaining until XXXX, as it were a new collection. I never received bill from XXXX no was I ever notified I owed money. As far as I was concerned when I move Mobile phone companies I ported my phone number because my debt was paid in full. This has been four years. Now this sits on my credit report as a new collection of which I was never informed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit report. As a victim of a data breach, I did not authorize these inquiries, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request their deletion. 
Unauthorized Inquiries to Be Deleted XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX. XXXX XXXX Inquiry Date : XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.