23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been with Wells Fargo since the 1990s, and have also been in business since that time. This morning, I was solicited by a Wells Fargo Bank Personal Banker, in the branch, for a " Wells Fargo Business Credit Card ''. Although I immediately declined interest ( as I have enough revolving credit available already ), the employee tried to sell me on the fact that " this business card would build the business 's credit ''. Being very familiar with Wells Fargo 's " sales practices '' and their history of unethical credit sales practices ( for which they have been fined in the past by the U.S. government ) ; AND, my knowledge and experience with business credit, I expressed my skepticism to the banker. I tried to give her the benefit of the doubt, and allow her to address my reticence, but she became quite defensive, argumentative, and rude. So, I stuck to my declination, and decided to look into her claims later. I've now done that, and not surprisingly, she was lying through her teeth ( as I suspected ). According to XXXX ( since Wells Fargo does not make the necessary information readily available online ), like most retail " business '' credit cards, they " do not help build your business credit ''. The reason I am so upset, is because not only has Wells Fargo been punished for unethical practices involving their credit products in the past, but most customers are not as savvy about credit as I am, and I know that this dishonest practice has undoubtedly enticed countless others into availing themselves of this Wells Fargo product, for a promised benefit that is not available. I also know this is not an isolated issue, because I've received the same dishonest " pitch '' for this exact same product for decades, from employees in branches across the country. What made this occasion more objectionable, is the attitude that the employee had. Previous employees have acknowledged their lack of understanding and certainty about the false claim ; this one became defensive, argumentative, and rude -- another tactic that likely coerces customers of a different constitution. Since unnecessary credit has a tangibly negative impact on consumers, I believe that this issue ought to be adequately investigated by the CFPB, and that they should hold Wells Fargo accountable for the continued pattern of unethical credit sales practices ( since they clearly have not learned their lesson from the last round of fines ).
Product: Credit card or prepaid card

I have a XXXX XXXX credit card through Wells Fargo Bank. Due to the troubles with the US Postal Service my XXXX bill arrived a week later than normal XXXX. I wrote the check for XXXX that night and put the bill in the mail on XXXX. The due date was XXXX so if the USPS did its job the post mark would have been for the XXXX or XXXX. This is 7-8 days before due. The USPS took until XXXX to deliver the payment. On XXXX Wells Fargo went ahead and charged a {$27.00} late fee and {$14.00} in interest. They cashed my check on XXXX according to my bank website. I called and spoke with XXXX on XXXX at XXXX EST. The company refuses to acknowledge the Postal Service delay Problems and the fact that the check was dated and mailed before the due date. They will not waive the late fees. I have never been late in paying Wells Fargo in years of having this card. I do business with other companies that do not charge late fees if the payment was post marked before the due date even if it arrives late. It appears that Wells Fargo is using a national crises to gouge customers for fees that are beyond their control.
Product: Credit card

I contacted Legal Aid Society today and they provide me your company 's contact information regarding how I have not received any reduce payment from Capital One because of my XXXX hardship. Every since late last year I have been explaining to them that I had XXXX XXXXXXXX in XXXX and I was unable to work and only received XXXX XXXX until I can find a gainful employment. And I keep requesting for them every month because they tell me to call back can to see if they can make payment arrangements but they never do this is Capital One and I'm sure I'm not the only XXXX. Never seen credit company like this not being able to work with some money experience the financial hardship. It's almost like a strong-arm because every month my credit keeps dropping. So the month of XXXX and XXXX of this year I paid them XXXX and before that in XXXX {$85.00}. Now I am behind on my XXXX with XXXX. Just to try to appease them so my credit won't get ruined. I need help in dealing with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date account opened on my report from citi cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly citicards sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like citibank to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. Citi the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and citi still showing good standing and closed due to inactivity is beyond me
Product: Credit card

XX/XX/XXXX I attempted to purchase a sample product from the XXXX XXXX cosmetic line. When I completed and submitted my information, the notification indicated the company as XXXX XXXX. When I realized I was taken/defrauded there was no way to cancel the order. The initial charge of {$4.00} was charged to my credit card. Ten days later I was charged {$98.00}. I contacted Chase and notified them of what happened and directed them not pay the charge. I was assured the charge would not be paid. However, after five months of waiting on the credit and calling every month, XXXX XXXX at Chase indicated I had to start the process all over again and submit my issue in writing. Since XX/XX/XXXX I have spoke to XXXX different Chase employees and I was told each time that they were sorry about their error and assured me the credit would be posted to my account. Now five months later I have to start all over again. When I asked to speak with someone in Management, XXXX informed me that management does not speak to Chase Card holders and he had the final say - which was start the process all over again. After five months of explaining what happened and Chase employees assuring me the credit would be apply to my account, why did Chase lie to me? XXXX XXXX made it very clear that Chase has no intention of assisting me in this matter. XXXX has all my information. XXXX can directly come after me for reimbursement if they truly felt they had a case against me. However, with Chase paying these erroneous charges, it only supports these companies scamming consumers. Once again, Chase refused to honor my request and paid this charge. I should not be held responsible for this charge. Chase should have honor my request not to pay this charge and my account should be credited {$98.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, had XXXX transactions to XXXX, ( I don't use MetaPay ) most declined automatically, however, XXXX of the transactions didn't get declined, so I deactivated the card that was compromised, and ordered a new card, then had to do disputes XXXX at a time and got XXXX refunded, however, the last XXXX they would not dispute, had to file a complaint at XXXX, which in return their resolution was to deactivate my NEW CARD, and keep telling me that they can't give me any information to Review TOS, like saying I violated their TOS. XX/XX/XXXX I am still unable to get any info out of them, and still can't reorder a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.
Product: Checking or savings account

I have a CD valued at {$10000.00} with Prosperity Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, which matured on XX/XX/XXXX. However, I did not receive any notification after the maturity date. I recently discovered that my funds had been escheated to the State of Texas. 

Upon visiting the bank to inquire about the reason for the closure of my account and the escheatment of my funds, I was told that they had sent me a letter, but they were unable to provide any proof of this. To make matters more confusing, the bank claimed that my money was escheated on XX/XX/XXXX, and that my account was closed on XX/XX/XXXX, XXXX the XXXX hadn't even matured at that time. 

I requested to see the official bank notification letter, and they typed up a letter on the spot that had incorrect dates ( it was dated to Return the Letter to them by XX/XX/XXXX ). 

When I asked for assistance in retrieving the funds from the state, they refused to help and implied that the situation was my fault, thereby avoiding any responsibility for the error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX Date Opened : XX/XX/2004 XX/XX/2004 XX/XX/2004 High Credit : XXXX XXXX 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in XXXX! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Debt collection

Was served with a complaint from Portfolio Recovery Associates LLC on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from Portfolio Recovery Associates LLC for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. Portfolio Recovery Associates claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. Portfolio Recovery Associates LLC has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The JP XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel Portfolio Recovery Associates LLC followed the rules of civil procedure as well as the JP. Maybe they do this alot as I see many many cases with this same JP. But they failed to verify the debt. If you need further information please feel free to contact me.
Product: Checking or savings account

This new complaint Is inconjunction with the original complaint ID number XXXX - XXXX. Original complaint Found against capital one bank For freezing my account back in XXXX of XXXX  for suspicion of fraud. Since the original complaint was filed capital one has since then close my account and mailed me check In the amount of {$2.00} Which happened to be the interest earned on {$34000.00} For that month. Now 2 days prior To my account being closed I noticed after logging in to my account for capital one That there was a wire transfer in the amount of XXXX Which XXXX  my account out That day. So I called capital one and spoke to someone and Was told that my account was being closed But they can not tell me where the money was transferred to. So I decided to wait to see what happened from there Now 2 days later I see when I logged back into my capital one account That there is now {$2.00} In the account. Now XXXX this was a little weird to me And that money was the interest earned On the XXXX For that month. To me this sounds very odd and 2 days later I see that account was closed and he checked mailed at my request And I do have screenshots To prove all of this and today I received the check in the mail from capital one for {$2.00}. Where did the rest of my money go?
Product: Mortgage

My son who died at age XXXX last XXXX has a mortgage with Roundpoint Mortgage on a duplex in XXXX Indiana. It is owned by the family partnership that I created in XXXX. He gave me authorization to access the account on XX/XX/XXXX. I received an escrow information statement about 1 week ago but was unclear if it was a bill or just a notification. When I called for clarification, they said that once I notified them of my son 's passing last XXXX, my access to the account had been terminated and they couldn't help me. I stated I have the amount and just want to know if it is a bill so I could pay it and not be delinquent. After talking to a manager, XXXX XXXX, and not getting clarification, I said I'd like to pay off the mortgage. He said I could not pay it off since it is in my deceased son 's name and I need to obtain legal advice. 
We reside in California and I am the legal heir. California probate law states if the estate is under {$150000.00} we did not need to go through probate court. He was single without children. 
No where in the Roundpoint authorization does it state that it terminates with the death of my son. 
I've attached the death certificate, the California probate code, and a letter from our attorney to his employer. 
Can you help me. 
thank you XXXX XXXX
Product: Student loan

I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written TransUnion, XXXX, XXXX 3x disputing the incorrect and fraudulent information on my credit accounts. Begging for the Burden or Proof. The bureaus have sent letters and emails denying my claims of incorrect reporting, inaccurate reporting and identity theft. Stating the the reporting companies certify that these INQUIRIES, missed payments, late payments, and or collections accounts are mine. I have yet to be provided with documentation or verifiable proof that these negative accounts belong to me. I feel that due to my race the bureaus are targeting my credit profile to keep my scores low and my ability to prosper from good credit from happening. 
I have challenged their accuracy in reporting using 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Ive also challenged their collections errors and late payment errors using 15 U.S. Code 1681s2 ( b )
Product: Debt collection

This debt collection company Medication Recovery Center or MRCI has placed a collection account on my credit report. They have refused to acknowledge or respond to my letters requesting them to validate debt that they say I owe. Also, this company is not licensed to collect debt in the State of Louisiana where I live. I have requested validation from this company this on XX/XX/2020 after they sent me a debt settlement offer on XX/XX/2020 and again on XX/XX/2020 with no response. 

This company has no legal grounds to be collecting on this debt. After speaking with the original creditor they stated Mediation Recovery services is not the debt collector.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX