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

Wells Fargo Bank ; Card # XXXX Before during and after the Bank admitted to selling and distributing the public 's personal information I was constantly being harassed with phone calls from XXXX company selling life insurance and another company selling renter 's insurance ; this went on for several XXXXXXXXhe life insurance company knew both my DOB ( XX/XX/1949 ) and mailing address/phone number while the Renter 's insurance company knew my complete mailing address/phone number and specifically my apartment # XXXX only Bank that had this information and had admitted some of it's employees did indeed sell my and other 's personal information.Had a claim with Wells Fargo XXXX XXXX and waited for a response after several phone calls and unkept promises of a resolution and was repeatedly advised somebody would respond and no body did so I called them and the claim was denied.XXXX XXXX was forced earmark {$500.00} million dollars for their illegal and immoral behavior and now they are attempting to shirk from their responsibility to fairly compensate the victims of their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
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 identity have been stolen 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 breach. 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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX 2015 I went on XXXX from my job due to XXXX and I was being Harassed at work for my illness. Immediality I contacted my creditors asking to activate my XXXX. I was told they had no record of my ever having this program. I insisted I did. However, I asked for assistance and Discover Bank refused to work any kind of assistance with me. I informed them I was going to be on XXXX income and there was not any money. Unfortunately, they refused to offer any assistance. After I went on XXXX income and I began processing my XXXX with the Social Security office they considered to Harass for payments. I continued to ask for deferment since my XXXX insurance was canceled with the company. During this time I was starting to fall behind on my payments. They insisted I had to pay my back-payments and apologized for any inconvenienced. I went on line to my account and tried to make a partial payment and it was rejected. At that time I stopped paying any payments and gave up. Shortly afterwards I went into a XXXX due to my XXXX and the inability of working anything with Discover Bank. 
I almost lost my house last year, I would like to continue to make payments I can afford without causing any more problems to my home and family. 
They have currently hired A Law firm without contacting me to my knowledge. the firm is XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, NY XXXX ; XXXX. This firm have SUMMONED ME TO ANSWER A COMPLAINT through XXXX XXXX Clerk. I have not received any phone calls, nor did I receive any mail to my knowledge prior to this.
Product: Vehicle loan or lease

We purchased a car from Tesla and went to their dealership to order the vehicle. The sales rep took us on their website. We calculated the payment to $ XXXXmonth with {$22000.00} down. Their website stated that the payment includes Includes Destination & doc. A fee of {$1200.00}. Once we ordered the car, paid them {$250.00} as a deposit, and the documents were sent to us days later within their portal, the car payment jumped to $ XXXX/month ( $ XXXXmonth increase ). When we confronted them on the discrepancy, they told us that the website was false and, in their own words, " we are not a big fan of our payment calculator on our website. '' When I confronted them that this is a bait and switch, they retracted their statement and started to justify the mistake by stating their website doesn't include ANYTHING in their payment, no interest, no fees, no taxes, etc. How is one supposed to know what the total payment is if the interest on the car is not added when they're presenting the payment and selling the vehicles to their consumers? And there are other hidden fees on top of the {$1200.00} they have shown? This is a 31 % increase in payment from what was told to us at the time of the sale!

Financing a car or a mortgage is no different. If a mortgage company were showing payments on their website that didn't include the APR, Fees, and Taxes, they would be shut down by the CFPB and FTC for false advertising. Still, a car company like Tesla can advertise payments to people and switch on them without any recourse??? This is a double standard in the finance industry and unjustified! 

After canceling the order, they removed the contract on their website which you couldn't even download!
Product: Credit reporting, credit repair services, or other personal consumer reports

I account was opened under my name without my permission. I was a victim of identity theft. I contacted XXXX to let them know and the account has not be removed.
Product: Checking or savings account

Wells Fargo took it upon themselves to pay XXXX rental car company and overdraw my account ; which due to my previous complaints they resolved by closing that particular account. However, Wells Fargo has wrongfully accused me of debit card misuse and these accusations are both false and defamation of character. It was after my exchange of words with the claims department representative that a day or so later my debit cards were revoked. The account ending in XXXX was newly opened at the time of the debacle with XXXX. This account has my direct deposit from work going into it, and yet accessing my funds is difficult because they have wrongfully and maliciously revoked my debit card with no valid or legal reason to ; nor have they provided evidence of misuse. I was told by the claims department at first that it was to protect me because I was being attacked. Then notes state it was done for misuse. I have never misused my debit card nor my account. My relationship with XXXX and the situation has nothing to do with Wells Fargo. Their decision to act a third party in this matter with XXXX is nonsense because I am the customer. I have contacted Wells Fargo several times about this matter and have yet to have this matter in particular resolved.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX data breach. XXXX XXXX BAL. {$120.00}. XXXX XXXX bal. {$210.00}, XXXX XXXX  XXXX. {$580.00}, XXXX XXXX XXXX BAL. {$1000.00}, XXXX XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX  BAL. {$28000.00}, XXXX XXXX XXXX {$3800.00}, XXXX XXXX. {$2900.00} XXXX XXXX  bal. {$12000.00}, XXXX XXXX XXXXXXXX XXXX. {$72000.00}
Product: Credit card or prepaid card

I have been a Walmart credit customer in good standing since 1976. Capital One bought out XXXX XXXX  Walmart charge accounts. When I received their letter informing me of this fact, I tried to establish an account with them online because I pay all my bills online. It took 5 weeks of phone calls to determine they did not have anything about me correct in the transferred record. At this point, they started treating me like a criminal in identity theft! For another 2 months I tried to reconcile with them but they never responded to letters ( which they require for disputes ) They made countless mistakes with my personal and banking information, each time charging me a fee and interest on those fees. In a timely manner, I paid all outstanding charges on my Walmart credit card, but I ignored their fees because they should never have been applied! Over a period of 4 months, I wrote 5 letters ( never a response from them ), and a total of 12 hours on the phone trying to get this resolved. In my last conversation, an employee saw their mistake and agreed to cancel the returned check fee and late fee for that month, but refused to refund all other late fees and interest that had been applied. The problem with that is that by then, I had a XXXX  balance owed and subsequent fees and interest were calculated on their mistakes. After 2 months of this mistreatment, I cancelled the card and have not used it since. They refuse to do the right thing and cancel this out. They just keep sending me invoices with more fees and interest. Not one single dime of the outstanding balance is legitimate. Practices like this should not be permitted!
Product: Mortgage

On XX/XX/2018, I made an online payment for my mortgage from my checking account ending in XXXX. 
XX/XX/XXXX - The payment posted. 
XX/XX/XXXX - Received an email stated that an overdraft item fee was applied to a different checking account ( ending XXXX ). 
XX/XX/XXXX - Called BB & T, and customer service indicated that there was an automatic draft setup for the mortgage, but since I made a manual payment on XX/XX/XXXX the account was current. As a courtesy the overdraft fee of {$36.00} was refunded. Additionally, the representative assured me that she would remove all automatic payments ( because I wasn't aware of it/never used it since being a customer ) and would add a note on the account that the customer does not want any automatic drafts and that I would not incur any further issues related to this matter. 
XX/XX/XXXX - Another email was received that my account ending XXXX incurred a return item fee of {$36.00}, for another mortgage payment! 
XX/XX/XXXX - Called BBT after returning from vacation and was told that it was not a bank error after being passed from multiple representatives. The account shows that the mortgage was current as of XX/XX/XXXX, but BB & T stated that they could not do anything to stop their system from processing another payment!!!! So ultimately, I was charge 2 return item fees because of their faulty system. I was told that I am responsible ; that they could not assist me any further and will need to file a complaint. 
I am so frustrated because I could not get anyone to explain why I can't stop BBT from retrying a payment on an account that is not past due.
Product: Checking or savings account

XX/XX/year> I opened my bank account chime, and one of the promise they gave that if they send me a message saying/if i authorized a transaction and i said no they will cancel the transaction and block it from happening But guess what? 

They still charge me the XXXX XXXX i called/text them And they said oh so sorry this happening to you, i said ok what to do now, they said don't worry since you said no the money will come back fast, Today is the 11 day, and the money never came back,, i called them today they said oh you didn't do anything you can fill a dispute for the transaction and than i have to wait another whole week! 

This bank is a scam and a joke, and i got upset and i say anyway I dont want this account or chime in general i want to close it for good, they said no we can't close, you have to send us your ID to close but when i open it I didn't even need ID only social security number,
Product: Credit reporting 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. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repeatedly requested to delete this information as it did not originate from me! 
Requests were sent to XXXX, XXXX XXXX Transunion without response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT CORP SOLUTIONS IN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  UT XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt that you claim I owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXXXXXX XXXXXXXX card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Product: Checking or savings account

America First Utah XXXX closed my account I had for 35 years without a call to me. My direct civil service account is direct deposit. Once my wife called about the problem I changed to XXXX AFB but the problem becomes two fold. It doesnt take effect until XX/XX/2021 and misses 3 payments. I am without funds over the holidays for reasons unknown. The direct deposit is a 30 day delay and then it hits on the wrong date due to change thats 60 days without retirement pay. Someone really messed me over.
Product: Credit card

I noticed I had XXXX fraudulent charges in XXXX when I was looking through my statements and of course, I spoke with the merchant directly and didn't come to a proper resolution for these charges so I contacted the fraud team at Citibank immediately after. I spoke with them and explained how I had made legitimate purchases with the merchant in the past but recently stopped and was getting charged XXXX times over the course of the month for {$300.00} each. It wasn't a subscription service either since it was like a one-time thing with the merchant. I waited and waited until Citibank said that I was responsible for these charges? I did not authorize nor permit the merchant to use my card for these charges, but they still were able to charge my card without my consent and get away with it. The explanation I got from the fraud team was that " because you dealt with them in the past, we can not reimburse you for these charges. '' I don't understand how because I have made legitimate purchases from them in the past, that means they can just charge my card unauthorized and be able to take my money for free. I tried calling the fraud department at Citibank again to reopen my case and investigate further but I kept getting bounced back and forth between agents and unable to do anything at all. It doesn't make sense to me how a merchant is able to take over {$3000.00} from me fraudulently and Citibank won't do anything about it. If anything, this would be an extremely poor look on the bank as a whole if they aren't able to protect their consumers in this kind of event and give me an appropriate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK, I've handed the complaint on the Bank of America side, as they are removing the status on their side in a few days. But, they stated to get in contact with XXXX XXXX XXXX XXXX of this matter, as the loan originated from their side, as it is XXXX account number. This issue is showing on ALL my credit reports ... 
Acct # XXXX, BK of America, XXXX XXXX XXXX, XXXX, FL XXXX XXXX I am working with a lady named : XXXX XXXX XXXX, Ext : XXXX She stated this is a XXXX  XXXX XXXX XXXX account number and they are reporting it wrong, as she confirmed on her side. And she stated, not only are they reporting it at the wrong amount, they have NOT removed it on your credit report ... because the account was transferred from XXXX to Bank of America, so they should not be even reporting it. ON all my credit reports, they are listing the loan at {$24000.00}, XXXX, and on XXXX they are reporting it as XXXX. So, there are almost three different prices, under the same account number, so their is something seriously wrong. And I take this highly offensive as it is hurting my life as in housing and normal life situations that someone needs a loan. 
This is detrimental to my life. I want it removed, the entire account that they are falsely reporting. 
They should not be ( 1 ) reporting it under their account number ( 2 ) they are listing it at, up to, three different prices ( 3 ) they are illegally reporting such account on my credit reports - all three no less.

( 4 ) they must remove it immediately off of my credit report.
Product: Money transfer, virtual currency, or money service

I have benefitted from the savings app, XXXX. Recently they said that PNC is suspending connection to the app. I have money in the app that can not be transferred back until PNC authorizes connection again. I also would like to formally log a complaint against this suspension, particularly since customers were not notified prior to it happening.
Product: Vehicle loan or lease

I applied for car loan on XX/XX/2024 with Navy Federal Credit Bureau and was denied. They claim it is due to not meeting their underwriting policy but I already have been pre approved by a competitor and believe I was denied retaliation for submitting a complaint for being embarrassed by a concierge at a branch for asking about being pre-approved for a home loan ( I was pre-approved by a competitor with no issue ) and filing a different complaint for their discriminatory behavior with my secured credit card. They have not once sent me any correspondence by mail or digitally explaining their actions and what requirements i need to meet in order to meet their " underwriting standards ''. This behavior is parallel to class action lawsuit that they are facing for discrimination against XXXX and XXXX customers. I am reaching out to the consumer XXXXinance protection bureau to assist me from becoming another victim of their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them 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