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

I called the account services phone number three times to close my account with Wells Fargo ( Wells Fargo does not allow you to close accounts online, you must call ). The first time I called ( XX/XX/2019 ), the representative told me the system was " down '' and she could not close my account. I was calling to close my account before I incurred the " monthly service fee '' because I had transferred all the funds out of the account. The representative stated that she noted on my account that I had called to close the account but could not due to the system being down, and that I would no incur the monthly service fee. I called back ( XX/XX/2019 ) and explained the previous situation to the representative and proceeded to close the account and refund the monthly service fee. I checked my account on XX/XX/2019 and noticed that it still wasn't closed and the monthly service fee wasn't refunded. I called the account services phone number for a third time and explained how I had called twice previously and the account is still open and the monthly service fee wasn't refunded. The representative was promptly able to close my account without issue this time, but did not refund the monthly service fee. I'm filing a complaint because this feels like a fraudulent practice by Wells Fargo to maintain my account in order to garnish a monthly service fee. This fee is nominal, however, if this is common practice and systematic of Wells Fargo, many consumers are being fraudulently charged.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There are several credit card hard inquires on my account that I did not make or authorize. I want them taken off of my credit report Immediately. 

XXXX XXXX XXXX XXXX. JPMCB Card Services ( Bank ) XX/XX/2023 XXXX. JPMCB Card Services XXXX Bank ) XX/XX/2023 XXXX. XXXX XXXX ( Bank ) XX/XX/2023 XXXX. XXXX XXXX ( Bank ) XX/XX/2023 XXXX. JPMCB Card Services ( Bank ) XX/XX/2023 XXXX. XXXX XX/XX/2023 I've already called XXXX and XXXX and they told me to called the FTC and generate a report form, but when I went to FTCs website and called the FTC number they both rerouted me to this website so I cant finish filling ... because XXXX XXXX XXXX said they expect the document from FTC to be mailed to the or they cant continue the investigation so I need your help now.
Product: Credit reporting

The XXXX credit card account showing on my credit report with a high limit of {$1500.00} is fraud and was opened without my consent because I am a victim of identity theft. I have severally disputed the account in question with the Equifax Credit Bureau requesting them to remove it from my credit report but they have not yet done so. I have also sent them a copy of police investigation confirming that I 'm a victim of identity theft, and furnished them with fraud letters ( attached below ) from creditor. Please I need help with this issue since it is greatly affecting my credit score.
Product: Payday loan, title loan, or personal loan

I purchased furniture last year and was approved for a loan through XXXX XXXX XXXX. It was marketed as a one year interest free transaction. After the year ended they went back and charged me interest for the entire year that was marketed as a " no interest period ''. They charged me on a balance I have already paid. I feel that this has violated my rights. I still have the marketing material AND the TIL Disclosure that was given to me and NO WHERE on it did it say I would be charged interest for the entire year that I have already paid. I feel mislead.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies Experian, XXXX, and XXXX regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold Experian, XXXX, and XXXX responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by Experian, XXXX, and XXXX in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

Comenity bank charged me interest after I paid my statement amount in full. Payment was made and received prior to the payment due date. I spoke to the customer service call center on XX/XX/XXXX, was told they could not remove the charge because I had emailed the card company through the website. I was then told if I did not pay the {$2.00}, I would be charged a late fee. I called again XX/XX/XXXX and was told my account had not been paid in full and I owed the interest and would be assessed a late charge. I told the girl I was not paying a late charge and wanted the account closed. she then wanted to charge a fee to process the payment by phone. I refused and said I would pay online and to close the account as I was not paying them another cent. This bank is the only one Ive ever dealt with that charges interest after you have paid the statement balance due.
Product: Debt collection

On XX/XX/XXXX at XXXX I spoke to XXXX XXXX with IQ international Data more than once. Amount is a little over {$10000.00} for XXXX XXXXXXXX apartments back from XXXX XXXX XXXX. I requested the debt to be validated and I wanted written notice and an explanation of the debt due to the large amount. XXXX XXXX refused stating they had sent written notice in which I told her I did not recall receiving anything. She then told me it is not her fault I " forgot '' and I needed to settle the debt in full. I continued to ask for the debt to be validated in which she still refused. I was told when I left XXXX  XXXX apartments the balance would change when someone leased the apartment but that never happened. The balance has only gone up and IQ international Data will not tell me why the balance is so high when it should Have been lowered once the apartment was no longer vacant. I called back multiple times when I could not even get a word In with XXXX XXXX and they kept transferring me to her. There are so many scams out there and I'm trying to settle a debt and make things right but she was extremely difficult and refused to send me written notice. I asked her if I paid it if I would get a receipt and she Also said no that I just needed to settle the debt and that was it. This place sounds like they are committing fraud. I have this balance on my credit and I'm afraid to pay anything because they do not sound legit and I do not have the funds to just throw money away. They are refusing to send written notice or even receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with Equifax and XXXX. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX sold my debt to resergent capitol witch is the third party collector resergent says they don't have the debt for the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 spoke with my bank, XXXX XXXX customer service, to get new atm card. 
in process the agent went into a program from one of the 3 credit reporting agencies to " VERIFY ME '' ... This is the second time in a week I have had this horrible experience. 
What is happening is that the first question is : What is the prefix for the phone # ending in these last four digits..? These agencies are going 10 to 30 yrs back as what I have been told. I have a learning XXXX, but who the XXXX is going to remember the prefix of a 20 yr old phone # anyhow? The other call had asked me the same stupid question, and what of these four cities did i live in? I lived in two of them and told her ... she said YOU HAVE TO PICK ONE!! I did and obviously it was not the correct one for them. I was also asked whom I am closely .... associated with of four names ... none .... but one was an ex from 30 yrs ago ... People with learning XXXX and the elderly ( i am both ) are being denied services because they cant be 'VERIFIED '' through these credit agencies. The first one was getting a phone which I was denied due to this XXXX. Who the XXXX is going to remember obscure phone info and other info. from 10 to 30 yrs ago? Let alone the elderly and people with XXXX? arrrrrrg ... This is flat out wrong! like I had lived in two of the 4 options but was told I was wrong ... denied services..arrrrg. 
This needs to stop and stop now! it was as frustrating for the gal I spoke with as it was for me to deal with it. 
This is discrimination against XXXX people and the elderly at the very least ... 
Personally I dont think the avg. person could get all these correct. 
thank you. sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have an account with REGIONS BANK. This needs to be removed from my consumer report. 15 USC 1681 2a1 1666b states that information needs to be accurate on consumer reports.
Product: Checking or savings account

On or about XX/XX/2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their XXXX XXXX account # XXXX, Check # XXXX. ( see attached photos ). On or about XX/XX/2022, I contacted XXXX out of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed by an unknown individual at a Wells Fargo branch on XX/XX/2022. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for XXXX XXXX, as requested, and have now been waiting over 6 months for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from XXXX XXXX, or XXXX XXXX, because they inform me that they are awaiting a response from Wells Fargo Bank. 

XXXX XXXX submitted a request for reimbursement to Wells Fargo Bank on XX/XX/2022. ( please see attached letter ). As of today, XX/XX/2022, Wells Fargo has not issued a refund, nor any status on this fraudulent transaction which they processed. 

As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that Wells Fargo needs to be accountable for the fraudulent activity which they allowed, and reimburse the funds for this transaction immediately. I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account XXXX - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Date of Inquiry : XX/XX/23 Account name : XXXX  XXXX  Date of Inquiry : XX/XX/23 Account name : XXXX  Date of Inquiry : XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : # 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 7 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.

15 U.S.C 1681 b- permissible purpose.
Product: Debt collection

STATE COLLECTION SERVICE IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!. I believe it's also a violation of the HIPPA ACT by placing my medical information on a credit report!!
Product: Checking or savings account

When I opened my account around XXXX I can not recall having to pay a service fee. Since the recent problems that have occurred at Wells Fargo, I am being charged a service fee of XXXXXXXX XXXX. It was about a XXXX XXXX ago when I first noticed this, I was not notified about any fees being collected. I called about this once and the fee was taken off, but that only lasted for that XXXX time. It has come to my attention that maybe the fee will help offset some of the settlement funding that is needed. Please I need answers because I dont think this is fair.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Clarity Services XXXX Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - Listed as opened XXXX XXXX Acct # XXXX Bank Accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Routing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXuting XXXXXXXX XXXX  Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.