23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have just been made aware of this situation. 
In XXXX, I purportedly had some overdrafts in my Wells Fargo checking account. Wells Fargo charged my ( Wells Fargo ) credit card for those amounts, despite the fact I had ( and continue to have ) a savings account with them. These changes are considered as a " cash advance ''. 
I am still paying interest on those " cash advances ''. 
I have discovered that the allocations of my monthly payment to my credit card balance is divided as follows : 7 percent is paid to these credit card " advances ''. In retrospect, the remaining 93 percent is being paid to RECENT transactions I have made that either have a 0 percent interest rate or another modest rate offered at the time of that transaction. Again, the " cash advances '' were made in XXXX. The transactions that the bulk of my payments are being allocated to, occurred in XXXX!! According to the bank, I've paid approximately half of the " cash advance '' balance. This is nothing but a fraudulent business practice! The bank continues to collect interest against a 5 year old debt!! 
How much more despicable can Wells Fargo get??
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing inaccuracies in my credit report. Despite my previous correspondence addressing these issues, there has been no resolution or update to my credit information. 
I initially sent a letter detailing the incorrect information on my credit report, along with validation of my accounts, on XXXX XXXX. The issues I reported include accounts not belonging me, incorrect balances, name, address, foreign inquiries etc. These inaccuracies have been appearing consistently, affecting my credit score and my ability to secure credit. 
I have followed all necessary procedures to dispute these inaccuracies, including providing documentation to validate my claims. However, I have yet to see any corrections made to my credit report. This ongoing situation has caused me considerable distress and has hindered my financial well-being. 
I kindly request your assistance in ensuring that these discrepancies are addressed promptly. It is essential that my credit report reflects accurate and up-to-date information.Under - 15 USC 6801 : Protection of personal information from misuse & 15 USC 6802 : Obligations to disclose and receive consent before sharing any personal financial information. 
Thank you for your attention to this matter.
Product: Mortgage

PRIMELENDING, A PLNS CAP Failed to timely ACH and Credit My Mortgage Account XXXX for the month of XX/XX/year>. I'm disputing Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, ACH Activities, PRIMELENDING respond by sending me a letter stating that they verified that this account belongs to me, I'm Not Disputing Ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a negative item from COMMONWEALTH FINANCIAL Account # XXXX, Balance {$1000.00} and Date Opened XX/XX/2018. I have no knowledge of this debt, as it does not belong to me. My address has not changed, so i should have received a letter in the mail notifying me any debt and giving me a chance to dispute it or take care of it, according to the Fair Credit Report Act.
Product: Credit reporting or other personal consumer reports

I have disputed reports for XXXX XXXX XXXX XXXX as well as a first financial bank card as I have never owned a XXXX  XXXX Card and the XXXX XXXXXXXX XXXX XXXXXXXX has been paid in full. On XX/XX/XXXX, the XXXX  XXXX card was written as a charge off. I disputed both XXXX XXXX cards on XX/XX/XXXX, to which the credit line showed as delinquent and past due in XXXXXXXX XXXX XXXXXXXX. Furthermore, I disputed both cards in XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX, to which experian informed me each time that the results were complete and remained the same. Any XXXX XXXX card that appears in my name was open fraudulently as I have never authorized for a XXXX XXXX card nor have I ever been interested in one. XXXX XXXX XXXX XXXX card has been paid but shows as delinquent, to which this has caused my credit score to plummet significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to Experian on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. I am attaching this letter I am also attaching delivery confirmation letter I sent to Experian in regards to this matter via XXXX. 

Experian has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

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

I was targeted for the {$900.00} Chase bonus- {$300.00} for checking, {$200.00} for savings, and an extra {$400.00} for opening both & meeting requirements. As part of the savings account bonus, I had to deposit {$15000.00} into the savings and keep it there for 90 days. 

I opened my checking & savings account on XX/XX/XXXX. I was paid the {$300.00} checking account bonus portion on XX/XX/XXXX ; however, it is now XX/XX/XXXX and I have still yet to be paid the additional {$600.00}. The {$15000.00} was transferred into the Chase checking on XX/XX/XXXX and moved to the savings account on XX/XX/XXXX. The {$15000.00} has not been moved or touched since then. 

I have contacted Chase XXXX to resolve this issue. I first contacted them on XX/XX/XXXX and was told theyd get back to me by XXXX XXXX. I called today and the issue is still an open case.
Product: Debt collection

This account was reported to XXXX as fraud authorities were notified and documentation was provided to XXXX XXXX department is Investigating along with XXXX.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent a, 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: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid FTC Identity Theft Affidavit ( FTC Complaint # XXXX ), proof of address, and government-issued ID. 
However, Transunion failed to block the disputed items within the required four business days under 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. This complaint, # XXXX, highlights Transunion 's failure to comply with its statutory obligations and disregard for established legal precedent, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Additionally, Transunion 's noncompliance contradicts the CFPB 's XXXX bulletin and demonstrates a troubling pattern of failing to uphold consumer protections under the FCRA.
Product: Credit reporting or other personal consumer reports

These were all made on XX/XX/year>2024 I went into purchase a car and already had a pre-approval and a cash down payment and I explicitly told them not to run my credit because I'm trying to keep my credit clear for a mortgage loan and they ran my credit with XXXX XXXX,, XXXX XXXX, another one for XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/scrub>XXXX XXXX 2024, XXXX XXXX XXXX on XXXX XXXX 2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2024, XXXX XXXX on XXXX XXXX 2024, XXXX XXXX XXXX on XX/XX/year>2024, XXXX  XXXX / XXXX XXXX  on XX/XX/scrub> 2024, XXXX XXXX on XX/XX/year>2024, XXXX XXXX on XXXX XXXX 2024XX/XX/year>, and XXXX XXXX  XX/XX/scrub>XXXX XXXX  2024, XXXX again on XX/XX/year>2024, XXXX XXXX XXXX XX/XX/XXXX 2024. there is also XXXX XXXX  XX/XX/year>2024, XXXX XXXX XXXX XXXX XXXX 2024, XXXX XXXXl XX/XX/scrub> 2024. This was not authorized and added many hard inquiries to my already struggling Consumer Report which now makes me look financially irresponsible and impacts My Consumer Report negatively and they need to be expunged because they were never authorized to do this.
Product: Mortgage

The company Freedom Mortgage duplicated my tax assessment and payment on XX/XX/2020. After notifying them on. Inertia phone calls they finally acknowledged the error, but will now not update my escrow payment. Every time I make contact they push back the target date for this to be updated. If the shoe were on the other foot Id be in foreclosure, but they are allowed to do whatever they want. They never call me back and never follow through with resolution promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I noticed that my credit score on Equifax had took a BIG decrease on my points of XXXX  points. So I called Equifax on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that XXXX XXXX XXXX  XXXX put a nasty remark on my profile on Equifax all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and XXXX will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with Equifax, XXXX, and XXXX about XXXX XXXX XXXX  XXXX with the same account as XXXX. In my letters I explained how I wanted XXXX XXXX XXXX  XXXX removed from my credit report because it was a duplicate account with a different name. XXXX was sold to XXXX XXXX XXXX  XXXX . However I was always in good payment with XXXX it's just XXXX  XXXX XXXX  XXXX bought XXXX Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with XXXX XXXX  and paid partial to XXXX XXXX XXXX  XXXX in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from Equifax and XXXX dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with Equifax and XXXX. XXXX have removed all inquire but Equifax and XXXX will not remove and giving me a hard time. Please take a look at XXXX XXXX XXXX  XXXX and see why they have retaliated against me by leaving a bad remark on my credit file with Equifax. But also this bad remark may be on XXXX and XXXX in a few days. I really want XXXX XXXX XXXX  XXXX removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.
Product: Debt collection

Received a phone from XXXX saying that there was a complaint filed against me. Phone call was transferred to a XXXX XXXX XXXX of XXXX XXXX XXXX in California saying that I owed about a {$1000.00} i a past due credit card charges. The card was issued by Chase Bank. 
I settled a card that I had with Chase in 2018 in the full amount I really don't know anything about this one. 
XXXX XXXX wanted {$150.00} now or he would take court action. He said call him at XXXX to let him know my intentions. 
When calling both numbers using XXXX, the calls would not go through. 
I was threatened with a lien placed against my car loan, and other possibilities. 
I don't know if this a scam or not but I have until the XXXX of XXXX to respond back.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX XXXX applied for this loan.. I did not. XXXX XXXX forced me against my will to sign those contracts. XXXX XXXX then evicted me and sold the home and got paid for all that work. 

XXXX XXXX got over {$80000.00} of my VA XXXX from the XXXX XXXX for selling that home with these loans and credit cards on that home. 

XX/XX/XXXXXXXX, XXXX XXXX, and Greensky LLC are very dishonest and stole XXXX of thousands from this XXXX veteran and his family. We cant make repairs on this home pur first home we ever owned per federal law because of this fraud committed against us by XXXX XXXX and XX/XX/XXXXXXXX. This was fraud and identity theft my government sources have repeatedly told me so and told me not to give up this fight. Im a XX/XX/XXXX veteran and XXXX XXXX slapped me on the back in XXXX. I will not give up just like the XXXX XXXX XXXX XXXX XXXX told me not too... and I wont. 

I ate breakfast chow with people you all seen on TV. My teamleader is on the cover of XXXX XXXX XXXX. XXXX be damned if I continue to pay for a roof and siding on a home I never owned per federal law.
Product: Debt collection

Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is Santander Consumer USA. The company sold the debt to XXXX XXXX XXXX. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and XXXX XXXX isn't even on my credit report! XXXX XXXX reaged the debit several months ago. I need your help getting Santander Consumer USA OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; Santander Consumer USA or XXXX XXXX XXXX XXXX they are breaking the law!
Product: Mortgage

US Bank Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind because of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US Bank by a Sheriff, and was forced into Bankruptcy. While in bankruptcy, banks are not allowed to send statements, but as soon as the discharge was done, US Bank was the first to start sending statements again, so I started making payments again, then the loan ballooned and payment triples and I fell behind. I have been paying as much as I can as I am XXXX since XX/XX/XXXX and am unable to work, was unemployed at the time they gave me the loan, hence I do not have an income nor did I have an income back then but I got the loan anyway. They even stooped as low as taking overdraft and late fees out out of my sons account charging as much as {$400.00} dollars within hours, {$39.00} x10 in less than a few hours until I could get them to stop! All of a sudden US Bank stops sending my statements in XX/XX/XXXX because they say that I did not reaffirm after the bankruptcy and that I had fallen through the cracks as I should not have been sending statements! Finally got to talk to someone about this and was told I have 7 days! I have been paying on this loan for 14 years and have less than {$2000.00} that has gone onto the principal, now they are forcing foreclosure on me again which means I have to hire an Attorney or borrow to pay them which would mean less payment to US Bank. These are predatory loans, the terms for people are overwhelming, corrupt and unfair. Their ability to be able to put fear of losing our houses is unconscionable! I have gone to our local US Bank office to seek assistance and was told " it's out of our hands, it's been sent to an Attorney ''. This ridiculous! US Bank is not the first in line for my house and my reputation and credit is ruined! I have consulted with credit counselors with no help available. US Bank states that they have the right to receive or reject payments without waiving any of our herein or otherwise, including the right to proceed with foreclosure!
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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Fraudulent charges were made on my Wells Fargo credit card from XX/XX/XXXX through XX/XX/XXXX. Wells Fargo had stopped sending me statements in XXXX of XXXX. As a result, I had no visibility of the fraudulent charges. 

I discovered the fraud when Wells Fargo reported me to the credit bureaus. I immediately contacted Wells Fargo and reported the fraudulent charges. This was in XXXX of XXXX. 

Wells Fargo responded in writing that the fraudulent charges would be removed from my account. 

Wells Fargo has not yet removed the fraudulent charges from my account. Despite many attempts at resolution, Wells Fargo remains in violation of the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. While out of work trying to deplete any XXXX or other resources to pay this car note of $ XXXX. and rent of over {$1100.00}. I was scheduled for surgery and was out of work for 4 months. During this time, My XXXX XXXX XXXXXXXX was only 60 % and was only arounXXXX XXXX  XXXX. I made arrangements to have weekly amount of $ XXXX taken out of my XXXX check to pay to try and make payments. No alternative method was given to me to help during this pandemic. To this existing problem. A payment was made on my account while I was tending to my mother XXXX  XXXX XXXX XXXX XXXX. I received a phone call from my niece that my car had been towed. I'm assuming because she parked in the wrong apartment slot but it was XXXX. After getting back to XXXX, I checked my email to see if i had any correspondence from XXXX and on XX/XX/XXXX, I received an email about a late notice for {$470.00}. I continued to check to see if i had any other correspondence from XXXX. On XX/XX/XXXX I received an email stating my payment was returned from XX/XX/XXXX. This correspondence was sent on XX/XX/XXXX ; which is XXXX plus days later when I'm thinking its paid. Now forward to XX/XX/XXXX my car was towed and XX/XX/XXXX Notice to Sell Property was sent. XXXX did not even give time to rectify the situation because it was already in motion XX/XX/XXXX payment return, XX/XX/XXXX car towed, and XX/XX/XXXX the intent to sell vehicle. Everyone knows that automobile dealers does not sell a car to benefit you at an auction. They sell a car to benefit themselves and having a balance to charge to your credit report with more interest even though the car is {$6000.00} overpriced and the interest is almost 30 %. Which is predatory lending but I needed a car. I have a mother in XXXX  fighting for her XXXX life, and I have to travel back and forth to make sure she is okay and save my job at the same XXXX time. People are heartless and cruel. This is not right, its not fair to me or my family during this pressing time during a pandemic. People are struggling to make it and its people like this who are not sympathetic to others problems or issues just their pockets. When i called on XX/XX/XXXX when i returned the only thing i was emailed was I forwarded your message to management when they already knew they sent out an intent to sell. Make it make sense : XX/XX/XXXX notice XX/XX/XXXX XXXX XX/XX/XXXX Intent to XXXX XXXX  is the attempt to resolve issue? Why would any human think than when a mail is sent out you received it the same day. Mailed out on the XXXX, i would not have received that notice until well after the XXXX. Why did it take 30 days to informed payment returned? In any case, it is always suppose to be an alternative to repair the default. Now, they are declaring {$18000.00}. After the {$5000.00} and the {$1500.00} down already invested into this vehicle. So, evidently this car was {$25000.00} for a XXXX XXXX XXXX ( used ). This is utterly unacceptable and is why i am forwarding the same complaint to the XXXX office.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 - {$1200.00} I was told by PayPal that a purchase was made to XXXX. Upon looking for them online I found that it was from a realty company. In order to file the dispute I needed to file a form. Upon filing this form I had made a mistake writing it from {$150.00} to {$15000.00}. In order to make the proper correction I would have to send then more $ XXXX 

They text me an E-Check for {$26000.00} from the XXXX XXXX XXXXXXXX which would be forwarded to my checking acct. upon there receipt of the money. 

XX/XX/2023 I needed to send them and additional {$1300.00}. Both times this was done by me going to a XXXX XXXX  sending them cash.