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

I had discovered my business account was getting charged for a the amount of XXXX $ daily and they had took out a total of 18 payments which made the grand total to be XXXX XXXX I contacted Chase about the fraud and they gave me temporary credit. Fast forward to yesterday, they took all of the funds back, claiming that i had made an agreement with merchant. Mind you. I cant find the number, address, or a single website to this " bank '' and Chase is saying that I'm on my own and to resolve this myself. I told them numerous times that I haven't given any authorization for this kind of pulls. I don't know who the company is and after numerous hours of searching, I still have nothing. I don't know what else to do. this is putting my business down under.
Product: Credit card

There was a fraud transaction of USD XXXX on my capital one card ending in XXXX. I am unable to report this. The app redirects me to the website, and the website asks me to call XXXX. However, on calling your that number and yelling my card number and asking for a representative the call is simply dicsonnected by the IVR system. It seems this is being done on purpose to prevent callers from reaching customer. 
Requesting your immediate intervention in this matter, please.
Product: Vehicle loan or lease

We have come to an agreement that if I pay 20 percent of the total amount owed that this will be removed from my credit report on all three credit bureaus. On XX/XX/year>2024, I XXXX XXXX, paid XXXX XXXX which is the paid collection agency representing Credit Acceptance in the amount of {$2600.00} I am currently waiting on a letter from them stating that I paid them off. But I do have proof paying them from my bank account, showing XXXX transactions to credit acceptance. XXXX in the amount of {$2500.00} and the other one as {$180.00} I need these XXXX negative reports removed from my credit report, showing as a repossession, from Credit Acceptance as the one I owed, then it was sent to XXXX recovery.
Product: Credit card or prepaid card

Due to being sick with XXXX XXXX I was unable to make XX/XX/2021 credit card payment to ADS/COMENITY/XXXX, resulting in 30 day late being added to my credit report. Once I was better and able to make payment, XX/XX/2021 the account was paid in full. 

I disputed the 30 day late and explained the XXXX XXXX situation, however, ADS/COMENITY/XXXX, refused to remove it. I have never been late on a payment.
Product: Debt collection

these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why.
Product: Debt collection

Received call from man asking for a relative. Did not identify himself at all during the call, who he was with, or the purpose of his call. Caller ID showed XXXX XXXX XXXX XXXX with is Central Credit Services, a debt collector. I told him him that person does not live here and not to call again. I have no knowledge of any debt ( s ) owed by the relative and the debt collector should not have contacted me for any reason related to the relative 's debt.
Product: Bank account or service

My son was XXXX and told the Wells Fargo banker we needed to set up a free checking student bank account before he goes to college. We completely set up the account and then in a few months her turned XXXX and started charging fee. I called to complain and they said they 'd give us no charge as a courtesy for a few months. They said it was a free account knowing it would not be free in a few months when he turned XXXX.
Product: Bank account or service

I am currently a customer at Wells Fargo. For the pass few months there have been an excessive amounts of over draft fee 's. This is a result of pending transactions not being processed in the order that they occurred. They are also pulling duplicate debits to charge a late fee. I have noticed that they well have a pending transaction, then remove it because of not have more then XXXX over draft charges in one day. Then the same charge will appear on my pending transactions the next day that they had removed the day before. I have overdraft protection but the limit is {$310.00}. Wells Fargo well reorder transactions to put my in over draft, and reprocess debits that will put me way past my overdraft limit. 

In the last statement ending XXXX XXXX,2016 I had a total of XXXX in deposits, and XXXX in debits. There can be seen to be an excessive amount of over draft fees during the month. I currently have over {$1100.00} in overdraft fees, and over {$450.00} in returned item fees for the year to date report. In the statement before that, ending on XXXX, there was a total of {$420.00} overdraft fee, and {$140.00} returned item fee. With the overdraft protection they have allowed to go way over the supposed limit.This month they have continued to re pull transactions from weeks before to put me further into overdraft, despite my direct deposits. 

On XXXX XXXX, 2016 I called customer service to see if pending transactions could be canceled. The customer service rep said no because the money was already taken out of the pending transactions. However, they are able to cancel other pending transactions and then pull them to try and process again the next day causing more fees.
Product: Credit reporting or other personal consumer reports

There are ( 2 ) Hard Inquiries on my XXXX credit report that I have no knowledge of. 
" I did not '' make theses inquiries and " I did not authorize '' anyone to do so on my behalf.

May I please have these unauthorized inquiries removed from my credit report. 
The dates of these unauthorized inquiries are : * ( XXXX ) XXXX XXXX Capital One ( bank ) * ( 2 ) XXXX XXXX Capital One ( bank ) Thank your your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX  US DEPT OF ED/XXXX XXXX accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation and a request to the credit bureaus via USPS Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

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

I have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. XXXX of the bureaus actually took the time to investigate this and already removed the information.
Product: Credit reporting

On XX/XX/XXXX I filed a dispute with Equifax along with XXXX and XXXX in regards to XXXX XXXX XXXX in regards to inaccurate information that was being reported by this company for XXXX XXXX. On XX/XX/XXXX this information was deleted by all three bureaus. Equifax gave a confirmation # XXXX stating the information had been deleted from my credit report because the creditor did not verify the information to be accurate. On XX/XX/XXXX XXXX XXXX XXXX reported the same information and Equifax re inserted the information without making sure it was accurate. Also, credit bureaus are required to notify consumers within 5 days of re inserted previously deleted items according to FCRA. Equifax did not send any notifications nor did the creditor certify the information to be accurate. Such actions can be punishable in monetary damages. Please delete immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid Experian XXXX XXXX XXXX : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act.

As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. My account was also closed trying to resolve this matter leaving me unanswered.
Product: Vehicle loan or lease

carmart in XXXX tn sold me a lemon that within 2. months the car started to break down with issues htye couldnt repair i let the car goback since i couldnt afford to continue put the car in shop and not get fixed car was suppose to be sold at auction car was never sold and i was charged with a repossesion on m y credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a checking account with XXXX XXXX in XXXX, which was taken over by BB & T and now Truist. A XXXX  year contractual agreement. During that time I added a savings account, credit card and a rewards card. I use these accounts to make purchases and pay bills. I have had a satisfactory relationship with only a couple of issues. As of XX/XX/XXXX, I have a credit score with XXXX of XXXX. Both my credit card and rewards card are paid off monthly. I have never missed a payment or been subject to any fees. There is only XXXX company with which I do an Auto.Pay. That is XXXX for my personal car insurance and my son 's car insurance.I will attache this years statements. My personal XXXX XXXX payments are still and have been handled each month. My son 's Auto Pay payments, using identical information was handled XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However on XX/XX/XXXX, the {$130.00} payment was rejected. Truist did not notify me! On XX/XX/XXXX, the XXXX auto pay request for {$260.00} was denied. Again Truist did not notify me. Since these payments were for my son 's car insurance, XXXX could not notify me. My son 's insurance was canceled. Unfortunately I did not learn of this until XXXX. Fortunately the vehicle was being worked on and wasn't being driven. I contacted XXXX and paid back payments and fees along with setting up a new policy. {$480.00}. The vehicle was repaired and back on the road. However due to the lapse in coverage the monthly premium increased to {$250.00}. 
I contacted Truist to find out what happened, and they informed me they can not access any records that old! ( XXXX and XXXX of XXXX ) They also do not know why I was not notified! 

Truist acting as my agent in a 40 year contractual relationship failed in their fiduciary responsibility. Their malfeasance has and will continue to cost me an additional {$120.00} per month. Had the vehicle been road worthy, Truist would have put my son at extreme risk by driving without insurance.They have failed to contact me, refused to provide an explanation or remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : WELLS FARGO DEALER SVC XXXX, XX/XX/ 2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information on my credit report is invalid. I am disputing all inaccuracies on my credit report with transunion.
Product: Payday loan, title loan, personal loan, or advance loan

Its denied every time I apply for a loan.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Bank account or service

XX/XX/2016, I ordered XXXX items using my debit card ( for {$65.00} ) from a web store in the XXXX. The items arrived from XXXX on XXXX XXXX and they were the wrong brand, shape, color, design, etc. 
I contacted the merchant and immediately began receiving spam mail ( now i think the site is fraudulent. ) I called Chase Bank and explained the situation. They gave me a credit and said they would be in touch. 
On the morning of XXXX XXXX, Chase said they required me to find a merchant and have them sign a document stating that these items are incorrect. I offered to send the entire package to Chase so they could see the labels themselves and I also offered to send photos. They are claiming that I must visit merchants and get someone to type a letter for me on their letterhead to say that I was defrauded! This is completely outrageous. I just went to my local store and they looked at me like I was crazy. What business owner is going to agree to do such a thing, especially for a non customer? This appears to be a way for Chase to put the burden on the already taken advantage of consumer. I have been a customer of chase for over 10 years and I have NEVER filed a dispute. There is no reason for them to NOT believe me. Please investigate.
Product: Credit card or prepaid card

On XX/XX/2019 I was researching the best price for a XXXX cell phone with multiple companies including XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX advertised a special price for the phone if you financed through XXXX. They directed you to fill in information to see if you would qualify for the financing and then you would be shown the " special price ''. The price was not as low as XXXX XXXX so I did not purchase the phone from XXXX. 

On XX/XX/2019 I received and email stating I now had {$4200.00} in XXXX credit through TD Bank. I contacted TD Bank and they refused to cancel this account. They said they would close the account, but would not cancel it since I had filled in information and that automatically means I am applying for the line of credit with XXXX. Apparently TD Bank will not allow a customer to find out if they will qualify for a loan/credit without actually applying for the loan/credit. TD Bank stated that this case does not fall under the Truth-In-Lending Rescission rule even though I contacted them well within the 3 business day time frame and have not received anything in writing describing this line of credit from XXXX that they claim I applied for. 

Clearly XXXX is also responsible for advertising misleading information causing customers to apply for credit without their knowledge when they believe they are only inquiring if they will qualify in order to be given the special price.
Product: Bank account or service

Wells Fargo closed my checking account on XXXX/XXXX/2017 without my authorization. My multiple employers all had direct deposits linked to that account, and now I am unable to get paid due to Wells Fargo closing my checking account without my authorization. I called customer service at XXXX at XXXX on XXXX/XXXX/2017 soon as I received an email notice at XXXX stating that my checking account had been closed. I informed customer service that I did not authorize this closure. Customer service could not tell my why my account was closed, and customer service refused to reinstate my checking account even though I informed them that I did not authorize closure and that I had multiple sources of income linked to that account via direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I filed this case with NC Comptroller of Currency # XXXX. Wells Fargo says in a letter of response dated XX/XX/18 that they are updating my information. there are several problems with that. I have two accounts with them 1. they closed one account with a merchant because they no longer due business with them, that reflects badly on me, and my payments are not full payments, but they are reporting me 90 days late. 
2. the other account also partial payments, and they say they will update the info. 
3. I called XXXX XXXX, and she said that XXXX was working on my case, but that she was not available. This is what all the banks due ; i.e., XXXX   XXXX XXXX included, when they don't want to fix or report your payment history correctly, they just want to massacre your report, with no regard to it's impact on the consumer. 
4. Can I get instruction on how to take Wells Fargo to small claims court to claim damages, on my behalf, and what can I use to prove my case. 

I do appreciate your interest in my complaint, this agency and a recourse for consumers