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

My siblings and I since becoming Power of Attorney ( attorney in fact ) for our parent 's checking account in 2018, have encountered a plethora of problems with Wells Fargo compliance : in regards to how we are able to transact, and the amount of redundancy involved.

One problem that we've encountered is that Wells Fargo Compliance will not allow us to make any bill pay changes that were set up prior to us becoming P.O.A. for our parent 's account. 
We have had to set up a " special arrangement '' bill pay with XXXX to pay our parent 's supplemental insurance, as one example, and have consequentially have had to expend an exorbitant amount of time and energy to adjust to Wells Fargo unorthodox protocol. 

A second problem, is Wells Fargo transparency. 
We were not aware or notified that Wells Fargo had " linked '' my sister 's personal checking account to our " family trust account '', an account set up with the help of our elder law attorney to protect our parent 's assets. The " linking '' breached privacy and jeopardized our ability to report as separate accounts for the purpose of required audits, by Veteran 's Administration and Social Security.

We have screenshots and correspondence to support this complaint.
Product: Checking or savings account

Bank of America is trying to circumvent there minimum deposit how by making customer refunds unavailable while they have the funds and tells the customer the funds are with the merchant although the funds have been submitted to Bank of America via a XXXX XXXX clearing house who can confirm the receipt of the funds. Happen to me 5 tmes last week
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been fraud since XXXX. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX I want this deletes now. 
The next steps is hiring an attorney.
Product: Credit reporting

I have been sending letters asking the credit bureaus to verify the information on my reports and if they cant I have asked them to remove them and delete them which they have not done to this date. It has been 4 months asking them with no help. They continue to send me back my credit report telling me they verified the information but send me nothing showing that. I want these items removed they have delayed this long enough.
Product: Consumer Loan

Late charges imposed unfairly by lender : Late charges of {$29.00} were imposed by US Bank on my car loan in XX/XX/XXXX and XX/XX/XXXX. I mailed the payments to the bank at no different times those two months than in the preceding five months since the loan was initiated, yet in the previous five months the payments were recorded as received no later than the XXXX of each month, but in XX/XX/XXXX and XX/XX/XXXX, they were recorded as being received on XX/XX/XXXX and XX/XX/XXXX. 

When I called the bank 's customer service number, the representative I spoke to said there is " processing time '' involved between when the bank receives payments in the mail and when they get posted to customers ' accounts - usually a few days. I protested that it was unfair to impose late charges on customers if the bank does n't record them as received on the date they actually are. The representative said she was n't authorized to reverse the late charges but would forward my complaint to a supervisor who would be, and that the supervisor would get back to me. However, no one did get back to me and no action was taken to credit my account for the late charges.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted one application for a car loan at XXXX XXXX. Without my knowledge, XXXX XXXX made XXXX additional requests to different organizations, which I did not ask them to do, but they did it. Since then, I have discovered XXXX additional unauthorized credit requests. To which I did not give permission. Now I have XXXX hard inquiries ( from XX/XX/year> ) in my credit report but i did only XXXX
Product: Debt collection

I originally reached out XXXX XXXX 2023 reporting the inaccuracies on my account and providing a FTC identity theft report for the creditor. I was told a drivers license was required to complete the process but you have not shown proof of the drivers license presented at the time. FTC reports nearly 9 billion dollars lost to fraud each year. That number is not fictional. My identity theft report was not taken seriously, and when given the opportunity, the " comments '' section was not updated as " identity theft '', nor was there any acknowledgement of my dispute. Attached are the responses from the original creditor alleging I provided a drivers license, which can be obtained illegally by criminals wishing to steal someone's identity. What's more is the account alleged to be mine isn't even reporting accurately. How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) Equifax reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the Equifax report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. I have waited a year and disputed this multiple times with a paper trail being left in my favor. Depending on the outcome of this dispute, please understand that I am intending to sue if my report is once again neglected. please see the attached images and files for context.
Product: Credit card or prepaid card

Please help my account was closed without my permission and Capital One said they couldnt do anything. I have been paying payments every day and have tried to hold this account up so I can fix my credit. This account has been closed without my permission and without my knowledge. All of the sudden one day I just couldnt log into my account. I am trying to buy XXXX presents and this was the only card I had to use and it had available credit for me to use but now they say they cant do anything. Please help I need to buy XXXX presents! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I received a reply from EXPERIAN that the information i reported was accurate and would be updated. Instead, they deleted the account from my report. I only asked that they put the correct beginning balance on of my mortgage which was {$140000.00} and not what they were showing. I have even gotten the mortgage servicer involved which is XXXX XXXX XXXX XXXX and i am still not seeing any correction. I have tried calling but can't find a number where you can talk to an individual. I tried disputing this under the previous mortgage servicer, but it does not allow this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 Balance : {$8400.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that are 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 items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE XXXX XXXX FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. THANK YOU
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transfer of {$600.00} through my CashApp account. I transferred the money out of my checking account and paid a contact. Shortly after, I received an alert on my phone that my CashApp account had been locked due to suspected fraudulent activity. I then received an alert that my account had been unlocked. On Friday XX/XX/XXXX I received an alert that I had paid XXXX XXXX ( XXXX XXXX ) {$2100.00}. I do not know this person. I did not add this person to my contacts. I did not pay this person anything. I logged into my account to find that someone had emptied my checking account into my cash app. Then after several failed attempts to withdrawl the money, they added a contact and paid them. There are five failed attempts on my account and for some reason it was not locked. When I contacted CashApp immediately to report it I was told to just wait until they emailed me. That I would hear from someone in 10 days. I asked them why my account was locked and then unlocked. Why it wasn't frozen after three failed attempts to withdraw money from my account. Why I wasn't getting any answers or help. This was all of the money in my checking account. They offered me no assistance whatsoever. Just told me that they would send an email. Asked if I still had my phone, and who had access to it. This did not help me. I have bills being auto drafted out of this account. I have already had three items returned. How can someone log in to your account illegally, make several transfers in the middle of the night and go completely unnoticed. I don't know how someone got my information. I have checked all of my accounts, no other accounts look compromised. I have changed my pin, removed my bank account, but because CashApp has given me so little information in response to my request I don't know how to protect myself from this happening again. Now that I have had time to look at the app I see that someone signed into my account from an XXXX XXXX. I use a XXXX phone. I have never had a company be so non responsive to what is clearly a fraudulent series of transactions. I really don't think that people understand the risk associated with having an account with a company like CashApp.
Product: Credit reporting or other personal consumer reports

Theres a credit card showing up on me while I was in a identity theft case and I reported it and its showing up on my credit report as mine still shows up but its not mine
Product: Credit reporting

now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Equifax reinsertion : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiry mentioned below was the source of the credit inquiry. However, I did not authorize these investigations. As this query is negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( XXXX, Transunion and XXXX  ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage.
Product: Credit card

Transaction Date : XX/XX/XXXX Merchant refused to allow me to return an item for a refund despite it following their returns policy Original contact to SoFi : XX/XX/XXXX Asked SoFi to dispute the charge, they informed me that the dispute was filed and that someone would reach out for more info within 10 days. However, no one did. 

Second contact : XX/XX/XXXX I contacted for an update on the dispute and was told that no dispute was ever filed and that the previous agent had not submitted the dispute. SoFi then started the dispute for me. 

Third contact : XX/XX/XXXX SoFi emailed me to request supporting documents. I provided a 12 page PDF file with supporting documents. 

Fourth contact : XX/XX/XXXX I contacted SoFi to inquire about provisional credit as it had been over 10 business days with no provisional credit. 

Fifth contact : XX/XX/XXXX SoFi responded and said this type of dispute doesn't qualify for provisional credit and that it would take up to 90+ days to be resolved. They would not specify why I can not have provisional credit.
Product: Credit reporting or other personal consumer reports

Instructed EQUIFAX to investigate XXXX and XXXX XXXX because, these accounts are fraudulent. The named Accounts were established using identification without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit inquiry Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX Requested On XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these companies are showing up on my credit report that I recieved through my yearly credit report and I have no knowledge of or gave authorization to do any transactions that would require this type of authorization of any sorts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe the current status of the card to be correct, on XX/XX/XXXX I submitted a request for a detailed account record and as of today XX/XX/XXXX I have received no response from the card issuer. Per the FCRA I am due fair, true, and accurate reporting of any credit lines, and am due to have this verified and back to me within 30 days of my formal request. This is in violation of my rights as a consumer and needs to be addressed. There is also a credit reporting mismatch as the account was reported to XXXX, and Equifax but never to XXXX. Per the FCRA any and all accounts must be reported accurately across the three credit bureaus, as it stands this account never was per its update in XXXX. Also per the Fcra the bureaus can be held to civil penalties for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX SER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported two different credit card accounts to three major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts.

I have never applied nor used these accounts for my self benefit.

My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus.

Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine.

I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Product: Debt collection

On XX/XX/2022 at approximately XXXX, I was contacted by XXXX XXXX XXXX regarding an unknown debt from ACE cash express. This has been ongoing for a little over 10 years. There phone number is ( XXXX ) XXXX. They have threatened legal action against me. Im tired of people contacted about this. Thank you.
Product: Credit reporting or other personal consumer reports

I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS
Product: Checking or savings account

My CD with Chase matured on XX/XX/year>, within less than 7 days I requested via scheduled online meeting with XXXX XXXX to have my CD closed and my funds transfered to my chase account. The banker XXXX XXXX told me she will take care of it. 
- On XX/XX/year> I visted the XXXX branch in person to ask why my CD still isn't closed, and the banker told me they are working on it. 
> On XX/XX/year> I escalated my request via phone, and was told they are starting a investigation and will get back to me. 
XXXX On XX/XX/year> I talked with XXXX XXXX and she told me due to internal issues, the CD is still active and accruing interest. She will get back to me to close it. 
> We further discussed that the issues with the CD were caused by internal issues with Chase. Due to the mistakes made by chase I am not able to use my money and am loosing out on opportunities to make money, as well as the significant amount of time that I had to spend on working on this issue. 

Today. XX/XX/year> the CD is finally closed, however during the entire time it didnt accrue interest. Since I wasnt able to use my money I lost our on finance opportunities and could have made 20 % with bitcoin investment. Also I had to spend significant amounts of time of dealing with this.