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

Visited the Wells Fargo Bank at XXXX XXXX XXXX. XXXX, Georgia XXXX to cash a check in the amount of {$120.00}. The check was drawn on the Wells Fargo Bank. I was asked to present XXXX forms of ID and a " Thumb Print '' on the check. After a few minutes, I was then asked if I had an account at their bank. I told them that the check was drawn on their bank and that I was doing electronic work for the owner of the checking account. The bank told me that there was a {$7.00} dollar charge for cashing this check, and if I opened an account, there would no charge to cash the check. I am XXXX years old and I did not like the high pressure tactics used to get me to open an account at the Wells Fargo Bank. No signs were displayed anywhere in the Bank to let the public know of their policy and charges for non customer check cashing. Just the high pressure sales pitch!
Product: Credit reporting or other personal consumer reports

Self Financial- Lead Bank is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of XXXX. 

How can I owe them when it was my own $ that I was using.
Product: Checking or savings account

They lie my finds was not low I a copy of the which the credit union stated such, now the y claim I authorize the to pay over draft and I did not you can believe them if you like they have had more than 60 days as you well know can you help resolve this complaint a not.
Product: Debt collection

I looked at my credit report and saw an unpaid balance of {$1600.00}. I havent had a XXXX account since XXXX or XXXX. This account was opened by someone other than me. I disputed the transaction with the company on my credit report and they said the debt is valid. I did not open this account. At the current time this account was opened, I was with cricket mobile for my personal number and boost mobile for my business number.
Product: Payday loan, title loan, or personal loan

I bought furniture from XXXX XXXX XXXX.lady working there told me that i can get finance without any interest so i signed up for it.lady did not tell me that i have to pay within a year.i signed agreement without reading condition.i did auto payment for it so i do not have to worry monthly payment.At the end of one year wells Fargo sent me a invoice and they charged me XXXX interest charge .when i contacted they told me that i had to pay withing year otherwise they charge me interest for entire amount which they finance.i asked them if i had to pay within year why they allow me to do automatic minimum payment.they said i signed up for it and i signed agreement.This case is confusing and misleading advertising. date of purchase-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO RESOLVE THIS ACCOUNT THAT IS NOT MY ACCOUNT MY NEXT STEP IS FILE A LAWSUIT IN COURT
Product: Credit reporting or other personal consumer reports

THIS XXXX ACCOUNT HAS BEEN REMOVE FROM MY REPORT AND INSERTED BACK ON MY REPORT WITHOUT PROPER KNOWLEDGE OF IT. PER FCRA THEY HAVE TO LET ME KNOW FIVE DAYS WITH WRITTEN NOTICE ABOUT REINSERTION. ALSO I HAVE 1099 C FROM IRS WITH CANCELLATION OF DEBT FROM XXXX # XXXX. THIS SHOULD NOT BE REPORTING I ITS A TAX WRITE OFF.
Product: Credit card

capital one shared all my info and then they had there administrators send me a email to my spam so i wouldnt get to submit the claim
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC  ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

I have sent XXXX dispute letters to this credit bureau and they have failed to respond to the first one which was over 30 days ago. First dispute was sent on XX/XX/2024, second dispute was sent on XX/XX/2024. No response has been given. 



15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

I sent a debt verification letter in XX/XX/2021. The company didn't respond within the 30 days time and have continued to try to colect on the debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Please provide the name and address of the bonding agent for TSI/Transworld Systems , Inc in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX  had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is XXXX.
Product: Credit card

I have a Huntington Voice World Elite credit card. ( master card ). 
Recently I spoke to the CC representative and he has informed me that Huntington has a list of companies that signed up for their forwarding program. So if a consumer cancels a particular card, Huntington will forward your information to automatic withdrawal vendors and automatically keep charging the consumer. 
There is no way for a consumer to opt out of the service. the bank will ( without customer permission ) send the vendor the new card number, and any other credentials necessary to make charges. 
So in essence a individual will have a company follow his new credit card even though he has not agreed to it. 
Any vendor and individual agreement is between them, a bank can not make judgement calls in two party agreements and forward personal information to their preferred vendors. 
Regardless if there is extended contract or month to month agreement. 
I asked to opt out of this service, which Huntington bank advertised as a " convenience '', but was unable to. The only remedy is to find individual charges and dispute them with master card.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX Citi bank charged me {$29.00} each for return check fees while their autopay system has issue. i had the autopay set up with citi bank and been autopay for past 12 months without any issues. CSR stated it is their IT issue and helped me to update the information on their end and advised if there are any fees will be refuend. i have contacted citi bank today XX/XX/2020. they have refused to refund the fees and asking me to proof it is banking errors which is totally non acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these item that is not mine and i want it to be removed. 

1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$11000.00}
Product: Debt collection

On or around XX/XX/2024, I disputed the validity of the debt and requested verification. Specifically, I asked for the original account-level documentation, the purchase agreement or contract, and proof that the statute of limitations on this debt has not expired. 

Instead of providing the requested information, Eaton Group Attorneys LLC responded with documents that are inadmissible and insufficient for validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Correspondences related to this matter are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my CFPB complaint to you to notify you that the XXXX credit bureaus neglect to correct the inaccurate account on my credit file. This account has several error. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history.The bureaus are reporting false information and I believe the company is violating Sections 605b of the FCRA. Kindly help me correct this account : XXXX XXXX XXXX XXXX Balance : {$300.00}.
Product: Credit card

I lost my job while I was in college and stopped paying on my Wells Fargo Credit Card. Once I found a stable job I called them to set up a payment arrangement that would end in the derogatory account being deleted from my credit report. I did this same process with another company that also agreed to delete the account but didnt. So, I set up this payment arrangement and paid for 6 months, Fast forward 4 months to now, they have acknowledged that I owe no more money on this debt, however it is still reflected on my Credit Report. It is super frustrating that months later after they took my money that they have drug their feet on rectifying the situation on my end. I am very unhappy since it was me who initiated this agreement only for it to not be honored on their end.
Product: Checking or savings account

Ally Bank froze my bill pay sometime before XX/XX/year> without notifying me and without reason. I discovered it when attempting to use bill pay and could not see any history over what is scheduled, much less use it. There is a warning on my account page stating something similar to that. I was also told that I could write checks and withdraw funds from this account, and that only bill pay was frozen. 

I was told by Ally on XX/XX/year> that it would be fixed in two business days. It has not. I have made eight calls to their customer service, and I have been told inaccurate and misleading information. For example, I was told that no monies could be moved out of account including scheduled bill pay payments. This including a credit card payment that I pay off monthly in order to not pay interest. I have not been charged late fees or had related credit reporting issues until Ally froze my bill pay. Another rep told me a day later that this payment may or may not go through, she just did not know. She told me it was pending, but again, could say what Ally would actually do. She stated that she could not cancel it. This is a large payment for me, and my cash flow does not allow me to make multiple payments repeatedly. 

Because of Allys negligence, I made a fully payment through another bank. I now have several duplicate payments due to this Ally problem. 

Ally has done nothing to fix this that I can identify. I received email this week stating that they working on the problem. I asked for a phone call from someone who knows what is happening and when it will be resolved. Other than the vague email, I have heard nothing from them. 

I have stopped calling them due to the extensive amount of time I have already wasted on them. 

I have moved some funds into a checking account at another bank, and I am using that resource as Ally flounders around with me money and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX XXXX, Capital One Bank on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.
Product: Debt collection

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report.

IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 



MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$1500.00}
Product: Debt collection

My information was involved in litigation and my debt was sold off to a third party without my written consent and knowledge which is fraud and gross negligence is equal to fraudulence. Also my personal information was involved and leaked in a universal data breach recently.
Product: Checking or savings account

In XX/XX/XXXX I noticed fraudulent charges on my Chase Checking account with XXXX and XXXXXXXX XXXX. I do not use XXXX or XXXXXXXX XXXX and did not authorize these charges or received these goods or services. My account was compromised. I called Chase and they opened a Dispute Claim and provided me with credits to refund for the unauthorized charges, which was well over {$1000.00}. On XX/XX/XXXX I saw that all the credits Chase provided was reversed, they said their claims team needed proof that I did not authorize these charges and reversed the credits. I was never contacted by anyone at chase to provide further verification that these charges were unauthorized. How can I prove I did not order XXXXXXXX XXXX  or use XXXX if I don't use the app? Chase is refusing to re-open the claim and said they will continue to allow XXXX and XXXX XXXX to charge my card whether or not I authorize these charges.
Product: Credit reporting or other personal consumer reports

My personal information has been changed in my Experian account, preventing me from accessing my online account. I suspect this was done by a hacker who bypassed the Experian multi-factor authentication system, as I was using a randomly generated password for this account ( NOT a password that has been previously leaked ). I have spent hours trying to contact Experian 's customer service to fix this and re-obtain access to my account, and Experian has been unresponsive. Their automated phone system directs me to their website rather than to a person who can help. I have sent an email and a letter and have not received a response.
Product: Credit card or prepaid card

Hello I had a american express card since XXXX they unfairly canceled my card on XX/XX/XXXX i was charged a yearly fee on XX/XX/XXXX of XXXX Now with the cancellation of the card by the merchant i am entitled for a refund of the yearly membership fee for the 10 months they cancelled Thank You
Product: Mortgage

Please reference complaint XXXX and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. 

Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with XXXX to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. 
Wells Fargo 's response was that the blame lies with XXXX, with whom they said I contracted on an individual basis. 
This is not true - Wells Fargo and XXXX had a contractual relationship at the time. 
As a consumer I am entitled to see the documentation from either Wells Fargo or XXXX that documents definitively the terms of the bi-monthly payment and the end-date of the schedule given the advanced payments. 
The purpose of this complaint is to have BOTH Wells Fargo and XXXX speak and provide me with the documentation that clearly states the conditions that I agreed to when I signed up for the twice a month payments. 
XXXX XXXX XXXX, CA XXXX I do not want to hear that they are blaming the other one - they had a contractual relationship with each other at the time of the mortgage and they need to provide the documentation that was a part of the application process that explains that I understood the timing and conditions of the advanced payments that I agreed to.
Product: Student loan

I applied for the XXXX XXXX patent plan for student loans in XXXX and received in XXXX. My loan servicer changed from XXXX XXXX to Mohela in XXXX. As we approach restart of student loan payments I reviewed my loans and saw they were in XXXX and not XXXX  ; this is important because XXXX plans are automatically transitioned to the new SAVE plan without needing to recertify my income. I have spoken with Mohela on XX/XX/XXXXXXXX  and they say that I have been in XXXX since XX/XX/XXXX ( this is when I recertified the XXXX plan ), and that there was nothing they could do and I would need to reapply for XXXX. I have documentation of my original XXXX  application and the recertification. They stare there is a disclosure statement of my payment plan from XX/XX/XXXX showing my loans in XXXX ; I have requested this documentation from them. Even if this is true I should have never been in XXXX and have not signed any documentation requesting such ; this is either a mistake by XXXX XXXX or Mohela. I should not have to reapply and recertify my income, and should be automatically transitioned into the SAVE plan.
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement regarding XXXX 's failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

XXXX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of EducationXXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as XXXX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



XXXX 's failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If XXXX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that XXXX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

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

I sent Bitcoins ( BTC ) and Bitcoin Cash ( BCH ) from Binance exchange to Gdax ( Coinbase ) on XX/XX/XXXX and XX/XX/XXXX. Even though emails and coinbase log shows that it arrived and was deposited to GDAX, my GDAX account is not showing the coins. Multiple emails, cases, phone calls, but no customer support what so ever.