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

I am writing to bring to your attention a serious issue I am facing with Wells Fargo concerning a series of fraudulent charges made on my banking account. I have taken all necessary steps to dispute these charges but have not yet received reimbursement for the unauthorized transactions. 

I initially reached out to Wells Fargo 's customer service fraud department to address these issues, only to be informed that they are currently overwhelmed with disputes, which led to the closure of my account. This response further complicated my situation, as I am now without access to funds while dealing with the repercussions of these fraudulent activities. 

To ensure this matter is properly documented, I have also filed a police report as a victim of robbery and a data breach, which I have shared with Wells Fargo as evidence. Unfortunately, their response does not adequately address my concerns. 

Wells Fargo responded with the following statement : " Thank you for contacting us. We completed our research and are providing details to address your concerns. You did not provide new information, so our response remains unchanged. Unfortunately, your request for the bank to write letters to your creditors explaining why payments were returned can not be fulfilled. While we realize this resolution may not be what you were seeking, we hope this letter provides clarity about our position in this matter. '' This communication fails to resolve my issues or provide any real assistance in rectifying the situation. 

I kindly request that Wells Fargo undertake a thorough investigation into the fraudulent charges and issue reimbursement for the unauthorized transactions immediately. Furthermore, I urge them to take appropriate steps to correct any negative impact on my credit as a result of this incident. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld.
Product: Money transfer, virtual currency, or money service

We are a XXXX non profit organization and receive donations from the congregation. We use Paypal to receive donations. On XX/XX/2023 we received an email from Paypal that " After a review, we decided to permanently limit your account as we found potential risk associated with it. 
You'll not be able to conduct any further business using PayPal. ". 

We are now unable to access funds in our account. 

We have tried to contact PayPal. But, we could not find a way to contact them.
Product: Debt collection

midland Credit {$680.00} and I have no knowledge of this account. I have not gotten any information of this accont. I have contacted them and of course no response I would like for them to stop harrasing me about account that they can't verify. Then it says XXXX XXXX and when I call them they say they have no information and now I have a credit report with this name one here and it isn't mine, I also asked how did you purchase a debt and they can't verify that either. 

MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

BMW Financial would not accept a wire transfer. I mailed in a check ( personal ) which was funded, cleared, and confirmed on their end. They would not release my title for 10 days despite confirmation that my account was paid in full and closed. Their senior loan specialist, XXXX XXXX, stated that was their policy. They are holding an asset of mine, and likely of others, after evidence of funds transfer.
Product: Credit card

On XX/XX/year> I was in XXXX and went to a seminar for XXXX vacation resorts which they try to sell you a vacation package credits to travel with. After constantly being pressured to take out a loan for this I told them no and that wouldn't do it. After! denyed the loan another member spoke to me and tried to get me to open a credit card with them. When I realized that it was a credit card, I told them no and! wasn't going to open the card with them. They acknowledge it and when I left they still opened the card without my concent. [ 'm furious and this is a scummy practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against the credit reporting agencies TransUnion, XXXX, and XXXX due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with XXXX, TransUnion, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX  XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX  Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account Number : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report. 
6. This is not my address Incorrect Address - XXXX XXXX XXXX XXXX # XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.
Product: Credit card

On XX/XX/XXXX, I called Capital one to cancel my Capital One Venture XXXX card. There was a {$390.00} annual fee that was charged on XX/XX/XXXX which I was told will be refunded back to me as it was within 30 day limit when fees was charged. I paid in full on XX/XX/XXXX amount of {$420.00}, cancelled the autopay and did redemption of reward point of {$3.00}. Customer service representative went through multiple disclosures to close the account at the time and I was told that check of {$3.00} + annual membership of {$390.00} will be sent to me. I checked my account on XX/XX/XXXX and noticed that account was not closed. I immediately called customer service who told me that the person on that day didn't close the account and there is no way they would refund {$390.00} annual fees that I was promised. I spoke to supervisor which was not helpful. I asked to file a complaint and I was told that they would do it internally and there would not be any communication to me regarding this and also was told that her supervisors do not take any complaints via phone call or email.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 public record items with Experian consumer credit reporting company, on several occasions over the last 2 years. On the most recent occasion ( dispute report dated XX/XX/2019 ) I had explicitly asked Experian to provide me certain information regarding their investigation as per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) ( iii ). But they have once again refused to provide me this information I'm requesting for these 2 items. 
They are required by law to provide me the information I've requested. This is a clear abuse of power on their part, and a violation to my consumer rights! 

For the record, the information I requested from Experian in XX/XX/2019 and on earlier dates, for the 2 public records they are reporting on me, are as follows ; 1. A complete description of the procedure used to determine the accuracy and completeness of the information.

2. The date you contacted the furnisher of information ( current in relation to this letter ).

3. The complete contact information for the furnisher of information.

4. The name of the person who verified the item to you.

5. The method of communication you used to verify this information.

6. Did the furnisher of information provide you with my SS #, address, Date of Birth and signature? If so, please provide me with the information. 

Again, this is a clear display of abuse of power on their part. IF they have all of this information there should be no problem at all providing it to me. If they do NOT have all of this information then they legal must cease reporting it on my record. One of the two must happen. 
I have been more than patient with Experian and have tried to resolve this as adults without the need for any intervention. But it was to avail. That is why I'm filing this complaint today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved written correspondence by mail that ambiguously said to call their XXXX number to discuss matters regarding my account ending in XXXX. I call, because it did n't say what it was about but I knew I had existing fraud claims. I spoke to the agent, referenced the letter and asked if it was in regards to my open fraud case. She stated no. That it was an offer to raise my credit limit and asked if I wanted to take advantage of the offer. Every increase was done without my requested permission so this was new to me. I specifically asked if it was going to put a hard pull on my social. She said no, that it was an offer for an existing account. I explained that if it did, I did NOT want it as I can not have any more pulls and do n't really need an increase in limit, that I planned on purchasing a new car in coming months. I was reassured ( all on recorded lines that I 've played back and listened to! ) that this was not the case. She asked how much of an increase I would like ( again, another first ). I said I did n't really care. She threw out some numbers, went with the lowest. She then told me I would get written correspondence in the mail regarding the increase ( which sounded fishy ). Not an hour later I get multiple alerts on my credit for a new hard inquiry. I waited a few days to see if it would fall off out of error, it did not. I called the customer service line and they assured me it was not an offer, that it was about my fraud claim, and that they would remove the hard pull. They have n't, it is still showing!
Product: Debt collection

i ask the company for information and they didn't send the information to me and this has been sent 2010 then the tell me that the will not sue me or report it to the credit report agency i don't know what kind of loan it is credit card or a loan. the way my credit was mess up there is no way i could of got any credit from anybody.
Product: Checking or savings account

I'm a U.S. legal permanent resident ( " green card '' holder ). Several years ago, I opened a checking account at a Chase branch. Two weeks ago, I wanted to add my spouse to my account. The banker refused to accept my New York state I.D . stating that only U.S. citizens are entitled to using their state IDs as their primary form of identification. Non-citizens are required to present their immigration papers at Chase. Later, I confirmed with Chase 's executive office that this was in fact their policy and that they stood by it. I find this policy discriminatory and suspect that it may not be fully legal. My state I.D . is as good as those of U.S. citizens. If a U.S. citizen does not have to verify their citizenship status every time to perform a simple transaction, nor should I be required to show my immigration papers every time I enter the branch. Either state IDs are accepted for every ( established ) customer or not.
Product: Credit reporting or other personal consumer reports

I am rewriting to refile this complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

I received an offer for zero percent APR from XXXX XXXX XXXX XXXX Mastercard on balance transfers. I applied for the card, the balance was transferred, and I set up autopay. When I reviewed the bill I noticed that they had been charging me interest. I called and explained the situation, but they said I failed to apply a code and their was nothing they could do. They stated I would need to submit the original offer which I no longer have in order for the zero percent interest on balance transfers to apply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX you furnished alleged transaction on my TransUnion Credit Report that you identified as late in this account ( XXXX XXXXXXXX ) : ( Account Number : XXXX ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required inform
ation needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law. I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or Delete and Remove the transaction you have listed as late on the account below : ( XXXX XXXXXXXX ) : ( Account Number : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have attached supporting documentation. I was never issuedmy provisional credit into my account ( XXXX and XXXX which is for XXXX XXXX XXXX both email addresses ) for Case ID XXXX This oddity where I can not see some things when I look through one email in the resolution center and I see different things in the SAME ACCOUNT to be fixed immediately. I suspect this is how they are fooling you into thinking that they have the right NOT TO GIVE ME A LOAN AS WELL. Because then all the invoices and money would be under one email address and not the other.
Product: Debt collection

XX/XX/XXXX - requested a list of documents and after 30 days they still have not responded. 

XX/XX/XXXX - notified them that the debt is inaccurate and documents do not properly validate debt XX/XX/XXXX - requested from of how the {$600.00} was calculated. Midland responds with a simple statement that does not validate the amount they are requesting.
Product: Credit card

Both XXXX  XXXX XXXX and CapitalOne sent my PII to XXXX without my permission. This is clear violation of my privacy. Please have all credit card cease and desist from sending PII to ANY outside vendor. 

Both require that I OPT OUT rather than OPT IN, which is a further violation of my right to privacy for my PII.
Product: Credit reporting or other personal consumer reports

XXXX illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and Experian credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from XXXX of supposed email or letter mailed to me denying deferment, XXXX that was acknowledged and signed by me. 
I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed. 
They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX OF XXXX has violated my rights 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I paid off my credit card bill in full on XX/XX/XXXX. On XX/XX/XXXX Comenity Bread Financial charged a minimum interest of {$2.00}. I did not receive a bill. Since I had paid off the account, I did not go online to check the account. I was charged a late fee of {$2.00} on XXXX, and then another {$2.00} interest on XXXX, and then another late fee of {$6.00}, and then another interest charge of {$2.00} on XX/XX/XXXX. 

Today, for the first time since I paid off the account on XXXX, I received a bill reflecting the balance of {$14.00}. I called Comenity Bread Financial, and they indicated that while I had a XXXX balance as of XXXX, I had only made a partial payment in XXXX, XXXX. They said interest for the previous month does not reflect on the bill, so when I paid off the account in XXXX, XXXX, it did not cover the {$2.00} minimum interest charge - which had never been included on the bill - so that is why I was charged the {$2.00} interest charge on XX/XX/XXXX. 

They told me unless I paid the full account balance 2 months in a row, I would continue to be charged interest. This is ridiculous. If I paid the full account balance off ( which I did ) and then made no further purchases after that, how could I ever pay off the full account balance 2 months in a row? 

The XXXX bill was the first bill that I was sent since I paid off the XXXX bill on XXXX, so I was not even put on notice that these charges were still accruing. 

I spoke with a supervisor XXXX who indicated that she would reduce the {$14.00} outstanding balance down to {$2.00} but if I paid that amount, I would then be charged a minimum interest charge of {$2.00} in XXXX, so I would have to pay that again in order to have paid my " full balance '' 2 months in a row.