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

I've been dealing with Identity Theft since XXXX, XXXX. My Emails were hacked, and I immediately contacted Wells Fargo and had my checking account, my Retirement Savings, and my newly received Wells Fargo Charge Card deactivated and disabled. Still, Wells Fargo and their mismanagement of my accounts allowed {$8800.00} of my monies to be removed in a fraudulent manner, after I had everything in place to prevent this. Consumer Finance Protection Agency, Office of the Comptroller of the Currency, and the FDIC Consumer Response Unit are in Custody of my claims against Wells Fargo. Of all the Banks, Credit Card Companies, etc. that have been involved in my Identity Theft, Wells Fargo has been the ONLY Financial Institution that has been so difficult, next to impossible to work with. Wells Fargo is not a Customer Oriented nor Customer Friendly Company. 
I have an XXXX XXXX XXXX XXXX who has been working " hand in hand '' with myself relevant to my Case. I contacted Wells Fargo and made them aware of this. Wells Fargo instructed me to send them a notarized Power of Attorney to validate this. Therefore my Fraud Restoration Specialist would have access to my accounts as authorized by myself. I, of course, submitted the necessary paperwork to Wells Fargo. 
XXXX XXXX XXXX XXXX My Case XXXX XXXX XXXX  XXXX  ID Restoration. 
I immediately complied with the requests of Wells Fargo -- - and still Wells Fargo doesn't allow my appointed person and Company, to have access to my information to seek proper resolution. 
So ironic, is the fact that Wells Fargo basically shut me out of my accounts, for several months and refused to give me access to my accounts -- even with proper ID, yet seemed to give these identity thieves free access to drain all my retirement monies, even after I had everything set in place to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. As of today XXXX XX/XX/XXXX ), they have not yet responded. Obviously, that's longer than 30 days.
Product: Credit card

On XXXX XXXX, 2015, USAA illegally closed all three of my credit card account with balance on them. They have never been late and always paid on time. They say it was my unacceptable behavior or activity with none of this occurred. Now my credit score is low because of this problem. I never had problem with the bank.Credit score damageCard cancellations can impact your credit score
Product: Credit card or prepaid card

On XX/XX/22, once again Synchrony Bank took a credit that I hadnt use drop the limit from XXXX, to XXXX which has drop my Credit Score as if Im using up my credit this keep happening my credit is been damaged this a on going problem they also took the my discount tire account the same from XXXX XXXX these cards was not even 30 % use
Product: Credit card or prepaid card

I received a {$100.00} gift card that was through MyPrepaidCenter. I placed my card with other gift cards and was planning on making a large purchase and using it. I let my card expire and I contacted MyPrepaidCenter.com once I realized my error. They informed me that the money was no longer available, but their website says otherwise. Their URL ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) clearly state : " The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. ". I have requested on two seperate occasions for a replacement card and MyPrepaidCenter is giving me the run around.
Product: Debt collection

I discovered a collection account reporting on my XXXX credit report. I disputed said account with the credit bureau. a few days later, I received a letter in the mail from U.S. Collections West.along with a few documents alleging that I owe over {$5000.00} said documents have been altered .the matter grossly misrepresented. the creditor actually owes me a refund of my security deposit. I have evidence the creditor breached the lease. .I called the agency and explained in detail that the debt is invalid.I have sent certified letters to both the original creditor and the collection agency explaining my position. the agency has since verified said account on my credit report.I may have to pursue legal action to resolve this matter as the agency refuses to investigate further or remove the illegal account.
Product: Student loan

My overage should be applied to the principal. The highest interest first based on the information from the aidadvantage website. Below is a breakdown on the payments for the past 24 months XXXX. Payment History Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$58.00} - {$140.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$58.00} - {$140.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$200.00} - {$190.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Payment - {$96.00} - {$300.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$100.00} - {$290.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$99.00} - {$300.00} {$0.00} - {$400.00} XX/XX/XXXX Payment {$0.00} - {$400.00} {$0.00} - {$400.00} 2. Standard Payment Terms loan should be paid off in 10 years which should have started XXXX of XXXX and mature XXXX of XXXX. My payment maturity is XXXX  and I was setup in the graduated loan payment plan and not the standard plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit company, XXXX, has been checked my credit without my permission on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thus, i called them twice and left the messages but i haven't got the answer. 

XXXX worked with XXXX XXXX, and i stopped by the XXXX XXXX and tried to find out but they said i need to contact the XXXX XXXX head office. Thus, i called twice but no respond. 

There are 3 inquires has been added on my credit report without my permission. This is completely unauthorized practice so that it need to be removed from my credit report. 

Would you please help me out? Since i called them twice and no respond, only CFPB can help this matter. 

Thanks.
Product: Credit card

After a long wait, they said we cancel the credit card No explanation of who opened without my consent I suppose to pay them XXXX dollars annually Fort this credit card
Product: Debt collection

In XXXX, Truist Banks Inc began to repeatedly call me at XXXX XXXX  in regards to debt that I do not owe. I informed my lawyer XXXX XXXX who submitted a cease and desist on my behalf as of XX/XX/14 the calls have began again.
Product: Credit card

The following credit card account : XXXX XXXX XXXX XXXX XXXX is currently listed and showing on my XXXX, XXXX and XXXX XXXX credit report as XXXX XXXX XXXX XXXX of {$170.00} and {$360.00}. Synovus Bank sold the account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX. I made a payment to XXXX XXXX XXXX XXXX XXXX and paid the account in full. The account has been settled and paid in full, but the account is showing on my XXXX, XXXX and XXXX XXXX credit report as closed with a balance of {$170.00} and {$360.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I had an issue with my Cash app. They're is absolutely no way to contact customer service in any way.
Product: Checking or savings account

I had my Comerica debit card stolen and unauthorized transactions showed up on my account. I opened a dispute with Comerica. They provided provisional credit for {$3000.00}. Well, I received a letter from them today that my claim has been denied. Their reason? Because the Authentic Chip-Read Card and PIN were used in the transactions. No, kidding??? You mean the thief that stole my debit card also stole the chip inside the debit card? Wow! Now, I have no idea how they got my PIN number. My guess is that they saw me punch it in. Regardless of how they got it, they got it. I explained all of this when I opened the dispute claim and they were happy to investigate only to come back and deny the claim based on the exact same reasons I filed the claim in the first place. Their other reason for denying my claim is that there were no failed PIN attempts. Someone please explain to me what that has to do with anything! So their whole investigation concluded that my debit card was used so were just going to assume it was you.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX  loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated dispute with Trans Union XX/XX/XXXX and have continuously disputed with the most recent dispute of the same tradeline occurring XX/XX/XXXX - nearly a year. The account in question is reported as derogatory by TU for an auto lease that was paid in full ( early ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent via certified mail to TU included with the dispute. TU continues to ignore the facts and state in results of their investigation that this account was verified as accurate. In addition to certified mail disputes, I have called TU several times, and filed the dispute online several times. 

The account in question was closed satisfactorily XX/XX/XXXX. Given that ( 1 ) this account was never derogatory with documented evidence provided from XXXX XXXX, and ( 2 ) even if derogatory is well beyond the 7 year maximum limit for reporting a derogatory condition for an account. TU has violated my consumer rights afforded me by the FCRA.
Product: Credit card or prepaid card

I opened an account with Continental Finance/Cerulean awhile back. This month I received my statement the day after the due date. I immediately attempted to call them to let them know in hopes to avoid a late fee. The number they list on their statement and on their website goes to an automated recording and does not give you the option to speak with a representative. The only way to talk to someone at this company is to claim you lost your card or it was stolen which I did and finally got a rep on the phone. I explained my situation and they told me they could not help me with the situation or remove any late fees.The only thing they could do was take a payment but I had to again use an automated system and that they would charge me {$10.00} to pay my bill. Why would any company charge you to give them money? I could not believe that based on my situation and calling them to resolve it that they would charge me to pay by bill! After several tries with the automated system that didn't work I was told I had to be transferred to a payment processing team. Upon transfer, I was hung up on, I called back, I was hung up on again, I called back a third time and again, I was hung up on. So I went online to their website to see if I could talk to someone or make a payment. Again, only phone number with automated options, none to talk to a human being. So, I just attempted to pay my bill online, entered all my information, double checked it and it would not accept it. This company appears to be predatory and seems to make it impossible to get your statements on time, to communicate with them, or give you easy options to make payments. It seems they are doing everything they can to make you late, charge you fees and hurt your credit rating. I am writing the CFPB to make them aware that this company is predatory and not operating in a trustworthy manner to warn other consumers.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Transunion credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I Received a letter from CIG financial, dated XX/XX/XXXX, stating that they'd received my request for DEBT VALIDATION. My recent commitment to the knowledge of commerce has made me aware that, not only was the company paid in full the day I left the lot, but to demand 'payment ' of a 'debt ' by FEDERAL RESERVE NOTES , is unlawful and impractical, as the FRN has had no backing of value or substance since XXXX. Furthermore, considering the fact that purchases made with an OPEN END CONSUMER PLAN ; there is no offset, which is even more proof that my vehicle was PAID IN FULL the day I left the lot. However, please note that I have not received ANY correspondence that reflected the intention of repossession, and I'm aware it is unlawful for them to do so.

The unlawful enrichment of companies who bank on the ignorance of the uninformed consumer need to be held accountable.

The removal and reinsertion of Delinquencies on the credit report is all but a further example of how this company knowingly violates the laws set in place to govern it. 

My car was stolen yesterday, while visiting family in XXXX Georgia. There was a police report filed ( see attachment ) as well as a claim submitted to my insurance company. The police have still been unable to locate my property. 

Considering the fact that CIG has never VALIDATED the alleged debt they continue publish ; each time being FRAUDULENT use of my 'credit card ' ( as it is defined in the Truth In Lending Act ) ; I would hope they are not the ones responsible for the disappearance of my property. This type of damages would be worth exponentially more than what this company continues to falsely claim I 'owe ' them, however ; i have mastered the art of representing my XXXX XXXX XXXX in the XXXX XXXX, XXXX.
Product: Checking or savings account

I have had PNC checking for a few years and they are typically receptive to disputes. In this instance, my checking account was billed a day early by a utility provider ; however, I was billed for two Overdraft fees on XXXX.XXXX.2018, in the amount of {$36.00} each, for insufficient funds. HOWEVER, today, the transaction which caused the funds to be low, is still showing as pending and my deposit of {$2100.00} is available. I have plenty of cash in other accounts that I could have deposited into this account to cover the early charge ; however, my email alert did not get sent to me until XXXX Eastern. I feel like that that defeats the purpose. I have made this argument before. What is the point of an alert if they do n't come out until after someone is asleep. I feel like that is a deceptive practice in order to gain additional fees from customers.
Product: Credit reporting 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 items. 
ITEMS. XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX  Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting

XXXX/XXXX/XXXXTo whom it may concern, I hope you can help me. Here is the situation/information. 

The original creditor was XXXX XXXX and reported my debt to collections on XX/XX/XXXX a total amount of {$1600.00}. XXXX XXXX then turned around and sold this debt to XXXX which placed this same amount as a new debt on my credit report/collections on XX/XX/XXXX. From my understanding this debt is suppossed to be from the original debt date. This should have fallen off my credit report and I want it removed as a new dept. I do have the original purchase order if you need me to fax it to you. I do n't have a scanner so I can not scan the information in to this computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I contacted each of the XXXX agencies and requested that my credit score be changed to XXXX XXXX  XXXX ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all XXXX bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.
Product: Money transfer, virtual currency, or money service

I transferred money online from my Bank of America account to my personal account, XXXX XXXX. {$1700.00} I mistakenly selected Bill Pay, selected XXXX XXXX  in my name, and transferred it. However, the money did not arrive at XXXX XXXX, so I visited the XXXX branch and asked a XXXX to confirm it. He gave me his contact information and said he thought the money was sent because I had made the wrong settings. So, I called the phone number they gave me, but they asked who I had paid the bill to and said they would check and contact me, but they ended the call as soon as the interpreter left. There was no contact after that.
Product: Credit card or prepaid card

Company closed my account after stating that I was using an invalid address.  After speaking with a representative of the company, I was told that while I had updated my address ONLINE, through the bank's online portal, that this had not updated my address within the bank's records.  So, according to the bank, the address for my online identity was current, however, the address for the credit card account attached to this identity was out of date.  I only use this online portal to access the one credit card, for which I receive paperless statements.   All of my interaction with this company is online, and I updated my address two years ago, when I moved from XXXX to XXXX.  I applied for a new credit card with the same company, however, the new credit limit is less than half of the old one, because (of course) the bank reported my account closure to the credit reporting agencies, and this closure (with a balance) has lowered my credit rating.  I confirmed with an agent of the bank that there was no way for me to know that the address I had updated only effected my online identity and that there was no other means for me to update my address, or to know that my address was not current.  I spoke with representatives at two bank locations, both of whom were defensive and dismissive, while also insisting on their utter inability to help me, whether they wanted to or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.
Product: Mortgage

I paid our mortgage on Freedom Mortgages website on XX/XX/. The website failed to load the first time and I had to log in again, but only paid and hit submit once. I checked my email to make sure the payment went through and got one confirmation notice email that it had been paid. Today on XXXX I tried to use my debit card and it would not work. I checked online and found my account severely overdrawn. I saw that our mortgage had been taken out twice - once on XX/XX/ and again on XXXX. I called the mortgage company to ask that they correct the mistake and refund the second amount. I was told I would have to fill out paperwork, send a copy of proof from the bank that it was taken out twice ( even though it showed that it had in their system and when I logged into my mortgage account ), and then it would take 7-10 days for me to receive a refund check. I asked about the complaint process and was told that would take even longer - I could submit it online and they would reply within two weeks. In the meantime, my bank account would continue to collect overdraft fees and we would have no funds available for gas, food, or other necessities. The representative asked if I would like to set my payment up on automatic withdraw. Obviously I declined. I will instead mail a check in monthly so that they have no further opportunities to double charge us.