23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This complaint is for Wells Fargo 401K Retirement Services. This company is the worst I have ever dealt with. A year ago they let me borrow against my 401K plan, they sent me the check and I did a mobile deposit to my XXXX  account. XXXX  gave me a provisional credit for the time being - the check was then stolen and XXXX  removed the credit from my account. I called Wells Fargo immediately and I filed a fraud case, I had to wait being that this had to escalate to a department where an investigation was done. After 90+ days the investigation was completed and came back that the check was in fact stolen and someone deposited into their Wells Fargo account. Mind you 2 different names and this bank decided to honor this check under someone else 's name. After this I called every other day I spoke with so many agent for an entire year! None which knew what to even tell me, " it seems like you are missing the affidavit. '' What a freaking joke i sent them 3 and over nighted them to Wells Fargo. This was on every XXXX call!!! we need another affidavit. 4 agents told me the refund was already on it's way, I spoke with so many Supervisors it's not even funny. Last they told me was that XXXX had to do a check reversal, I spoke with the Legal department in XXXX  they said " NO, '' since they never paid out the check and they were not the maker of the check. I NEED THIS ISSUE RESOLVED SOME ONE OUT THERE USED THIS MONEY AND IT WAS NOT ME. THIS IS {$2000.00} DOLLARS and to top it off they had the audacity to send me a 1099 form to claim it in my taxes. I have filed so many complaints with Wells Fargo and nothing has been done. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX
Product: Debt collection

I have a Worker 's Compensation Claim for a job-related injury. I have medical expenses for this injury agreed to be paid by XXXX XXXX XXXX. This was decided upon before receiving any medical procedures. XXXX XXXX XXXX has stopped my worker 's compensation checks, incurred transportation expenses, because they had me travel a long distance to see their doctor, and now refuses to pay the Medical Bills that I have incurred due to a job-related injury. Because XXXX XXXX XXXX XXXX could not collect the money from the insurance company, they turned the matter over to a Collection agency against me when they know that " XXXX XXXX XXXX '' is the rightful guarantor of this debt and not me. Since it is too difficult for them to deal with this XXXX XXXX, they named me the guarantor and are now pressuring me to pay this bill. XXXX XXXX XXXX XXXX has jeopardized my " excellent '' credit rating by turning this matter over to a collection agency naming me the guarantor even though they have admitted through numerous phone calls that I have had with them trying to resolve this matter.
Product: Credit reporting or other personal consumer reports

I filed a cfpb complaint to resolve a charge off on my credit report. ( Happened during Covid ) In the consumer protection bureau complaint Bank of America leaves a phone number to call and do not respond to complaints. I have been calling and leaving messages for XXXX years and no one ever picks up or calls you back. The voice mail says XXXX XXXX to XXXX XXXX est time. I called the charge off department today and spoke to a XXXX about XXXX XXXX  east XX/XX/year>. He said he would help but left me on long hold. He apparently was attempting to transfer me to different lines, it seems like it was call avoidance. Finally they answer XXXX and she said it is new in their department charge offs so she spoke to her manager and they said I need to speak to credit cards, then she transferred me the call gets disconnected! Bank of America gets paid for reporting bad information on your credit so they are not trying to help me. In XXXX years it will be off my credit but I am a boa business customer also I was trying to resolve it! They put a resolution number to CFPB and do nothing. How does the government let this happen to consumers. We are not protected. They did not respond this service is supposed to have the company respond
Product: Debt collection

Tek Collect has not contacted me prior to closing placing this negative item on my credit reporting. They are reporting late payments for current months when there was no payment plan established. They have also have still not verified the account. My supporting evidence was mailed out more than 60 days ago with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint through the CFPB to inform the Credit Bureaus that they have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the fraudulent information on my Credit Report. I have been sending dispute letters to the Credit Bureaus from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my Personal Information. The items I am deputing resulted from the theft of my Identity and neither did I received anything in exchange nor benefits as the result of the Identity Theft. The Credit Bureaus are required to remove the items I am Disputing under the Fair Credit reporting Act section 605b, however, the Credit Bureaus have failed to do so. I am once again, requesting that the Credit Bureaus to immediately delete the following items : XXXX XXXX XXXX XXXX XXXX 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 XXXXO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : NCA, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.

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 rep 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 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 hr reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXX, 2015 I sent a certified letter to The Collection Connection to verify a debt they had on my credit profile. On XXXX/XXXX/2015 I received the following attached information from this collection stating this is the verification of this debt. As you will see that the signature on this returned check and the drivers license number on this check do not belong to me. If this check was written by someone other than myself should have checked the person drivers license name and picture against the actual name the check belong to the actual person whom name was on the check is not my fault. Also notice the signature on the check and on the document that I sent to this collection company is not even close or similar. On XXXX/XXXX/2015 I received a collection letter stating that they had put more negative information on other credit bureaus.
Product: Vehicle loan or lease

I never had a bad experience with other dealers to purchase a car. 
I came to XXXX XXXX XXXXXXXX XXXX  in XXXX, IL to buy a new car. 
The salesperson lied to me that the dealership doesnt have the new cars. I bought the used car XXXX XXXX, giving deposit {$5000.00}. 
After XXXX day of purchasing of used car XXXX XXXX XXXX I came back to return the car and get the new one because they had the new cars in stock. The salesman took the used car in trade-in on {$5700.00} less that it cost XXXX day ago, it's less than 24 hours from purchase the car. The value of the car was {$32000.00}, on the next day the dealer took this car in trade-in for {$27000.00}, difference in trade-in {$5700.00} and didn't return or transfer the deposit {$5000.00} to the next installment contract. 
It's terrible, it's fraud. Also he added XXXX XXXX XXXX for {$990.00} in buyer 's contract and didn't return this amount in the next installment but added again {$990.00} XXXX XXXX. XXXX. 
For what protection/warranty it worked XXXX day? 

I got the new XXXX XXXX XXXX for base selling price {$35000.00}, they added to my retail installment contract difference in trade-in {$4900.00} plus XXXX XXXX XXXX XXXX {$990.00} again. 
In the meantime Accident happened on XX/XX/XXXX with the car XXXX XXXX XXXX. 
The car determined is total loss. The damage to the vehicle exceeded the repairability threshold. The damage estimate is {$28000.00}. 
The dealer XXXX XXXX XXXX refused to return the amount on Protection Packages and the difference {$4900.00} value on the previous XXXX XXXX XXXX. After insurance will paid off by settlement I'll still have the loan balance and I don't have the car anymore. 
I paid already 12 % of the loan, it's {$5300.00}, my deposit {$5000.00} didn't return and I still should to pay the loan balance? 
Why should I pay for a car that doesn't exist anymore? 
Please resolve this issues with the XXXX XXXX dealer in XXXX, IL because they didn't want to return nothing from previous cars. This is fraud and robbery from the XXXX XXXX XXXX.
Product: Bank account or service

Bank of America received a request to place a levy on my bank accounts, so they did. According to Virginia law, certain payments are exempt from garnishment and levy, which includes child support payments. I informed both the collection company and Bank of America that my child support payments are exempt, but Bank of America refused to release the hold on my support payments, which were being direct-deposited. I contacted the court and filed a " Notice of Exemption Claim '', reiterating that these funds are exempt. A copy of my claim was also sent to the attorney. A day after the notice was filed, Bank of America released exempt funds to the attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : 08  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 10 XXXX   XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, XXXX XXXX   XXXX XXXX**** therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEMS IS IN VIOLATION OF THE FDCPA AND THE HIPPA LAWS FOR REPORTING ON A FRAUDULENT ACCOUNT AND ALSO FOR SHARING FRAUDULENT MEDICAL INFORMATION PUBLICLY! I HAVE NEVER GAVE COMMONWEALTH FINANCIAL SYSTEMS PERMISSION TO SHARE ANY OF MY PERSONAL INFORMATION AND THEY ARE TARNISHING MY NAME AND ALSO DAMAGING MY CREDIT!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because my credit report contains inaccurate and potentially unlawful entries, which violate the Fair Credit Reporting Act ( FCRA ). The issues I am experiencing are outlined below : 1. Duplicate Reporting of the Same Debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors and collection agencies are prohibited from furnishing inaccurate or misleading information to credit bureaus. My credit report shows the same debt reported multiple times by different entities : Original Lender : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX XXXX Investments Both accounts reflect the same original balance of {$990.00}, the same current balance of {$990.00}, and the same date assigned ( XX/XX/year> ). This duplicative reporting is misleading, unfairly impacts my credit score, and violates the FCRA requirement for accuracy in credit reporting. 

2. Incomplete or Missing Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of information. However, XXXX of the entries is missing key details ( e.g., the " Agency Name '' is blank for XXXX account ). This lack of information prevents me from understanding who owns the debt and whether it is being reported correctly. 

3. Failure to Update Information Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to update information to ensure accuracy. If this debt has been sold or reassigned, the original creditor ( XXXX XXXX XXXX XXXX XXXX ) should no longer report it. However, both entities are reporting the debt, suggesting the information is not being updated. 

4. Misrepresentation of Debt Responsibility If the debt has been transferred or sold to a collection agency, it is misleading for both the original creditor and the new collection agency to report the debt simultaneously. This violates the FCRA, as it creates confusion regarding the debt 's true ownership and status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I met with my Housing advisor to review the content on my credit report. It shows an account that I still owed according to Equifax. I have paid all of my student loans for XXXX XXXX XXXX XXXX. This is affecting my process of home purchasing because it says I am behind. I want this removed, please.
Product: Credit card

In XX/XX/year>, I had an implant done by my XXXX  XXXX. He also installed an abutment. The implant came out about XXXX weeks later. I returned to the office with the implant and showed it to him, which he kept. He stated something to the effect that he would not be able to replace it at this time. I requested a refund of my funds {$2700.00} BACK TO CARE XXXX XXXX, which he denied. I made several other appointments, and he always had an excuse for not replacing the implant. 

I filed XXXX complaints with XXXX  XXXX  XXXX XXXX  XXXX. They were all denied. I requested the documentation from the responses. I made several phone calls to no avail. What are they hiding. Same thing happened with the XXXX  XXXX XXXX XXXX. I informed Care Credit that I would not be paying that amount {$2700.00}. I fill that the surgeon was negligence and had done fraudulent actions.
Product: Money transfer, virtual currency, or money service

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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/18 a check and letter was sent to Capital One. The letter and check stated that upon cashing the check they were entering an agreement to delete the debt from the three credit bureaus, a pay to delete. The check was cashed, electronically but they refuse to delete the debt which was agreed upon!! They refuse to cooperate with an agreement they entered once they cashed the payment. This is unfair to me, the consumer. I would expect such a reputable company to honor such agreement.
Product: Credit reporting or other personal consumer reports

As I was going over my prepped I noticed a few accounts i do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing Experian for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Product: Debt collection

The dept collect XXXX XXXX has put a collection on my credit port about a PayPal account that i do not have nor is it on my credit report. This company can not collect on a debt that is more then 6 years old by Georgia law. Therefore this is illegal to report this dead account on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX. Actions on simple written contracts ; exceptions. 
All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. " *** Therefore since the ordinal creditor *PayPal* did not seek to collect within Georgia law time period of 6 years. The debt is now illegal to collect on and is not even on my credit report anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to unlock my credit report using the XXXX XXXX XXXX application on my smart phone but the application threw an error stating " Please give us a call! '' ( Attached Error ). I then called the number listed and was on the phone a total of 2 hours and 31 minutes. I was transferred 15 times. Each time, the rep would ask have to verify my identity by asking a series of questions about my credit file to proceed. 10 minutes or so later, they would inform me that even though they validated me, they were not the right person to resolve my issue. I was told by some that the application isn't working for anyone and they would transfer me to a person who could help. Only to have to go through my problem over and over and no one able to help. Transferred offshore/onshore/offshore/onshore so many times. Finally I got a female who stated she was in the USA ( I specifically asked for a USA rep to help me ). She was nice but after asking me the same series of identifying questions I'd answered 14 times earlier, she tells me that my answers didn't match and that I'd need to provide my drivers license / social security card ( or other documents ) in order to have the freeze/lock removed. Again, comical at this point, but she agreed to send me an email and I'd could provide the documents instantly. A matter of minutes later, I got the email and replied with the documents requested. She then inform me that this would all be done electronically and I'll need to give it 15-30 minutes. I asked how could she be sure it will get resolved after all, no one else seemed to have the capacity or skillset to do so and kept telling me it was a system issue preventing them from removing the lock. She stated that's not true and she will take care of shortly. Equifax continues to be a pain in the side of so many consumers. I actually pay for a product to monitor and check my credit report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved " shortly ''. No such thing. I wish consumers had another option.
Product: Credit card

For the most part, I have history of on-time payments with this company. There have been a couple of occasions where the payments have been delayed, but i have always brought the account current within a month. 
As soon as I am late, I begin getting multiple calls a day, all day including weekends from them looking for payments. I also get texts and emails at least XXXX times a week. The past due amount is less than {$100.00} so it's not as if I am heavily in debt. I find the number of calls, texts and emails to have reached harrassment at this point and would like something done so that they have to revise their policy on contacting late paying customers. I absolutely plan to pay the debt and have let them know it will be caught up in the month of XXXX. However, I am still getting called multiple times everyday.
Product: Checking or savings account

My entire personal checking account was frozen by XXXX after a XXXX  Grant deposit on XX/XX/XXXX. It was for the EIDL Targeted XXXX. Prior to this recent deposit I had an EIDL loan of {$88000.00} on XX/XX/XXXX without any issues at all. At this point I don't know the precise amount of money that is frozen because I have zero access to the account. Online account and ATM card is locked as well. However, the amount frozen is around the neighborhood of {$250000.00}. 


When I learned that my account was frozen I immediately called the number given to me by Chase. My first attempt to call ( XX/XX/XXXX ) and was on hold for XXXX XXXX  before I was cut off. I tried again in a couple hours and was on hold for XXXX XXXX and XXXX XXXX. I was again disconnected without being able to speak with anyone. I will provide a screenshot of my call as it would seem unbelievable that Chase would have such a long hold time. 
I decided to visit my local Chase branch after not being able to get a hold of anyone. The branch manager informed me it was due to a recent XXXX deposit. The instructions on their computers was to provide proof that I was in business prior to XX/XX/XXXX. The Chase branch manager was able to contact someone at Chase Fraud Dept and they instructed me to prepare my XXXX 1040 Schedule C ( Profit and Loss ) and my XXXX loan documents and have the branch manager send it to the fraud department. My ID and ATM card was provided as well. I felt this was a fair request and was all done on XX/XX/XXXX and was instructed to come back next day to see if there is any update. 


I visited my local branch again on XX/XX/XXXX and my branch manager was able to contact the fraud department. We were informed that the documents have been received. However, the person at the XXXX XXXX department wanted EIN numbers and not my social security number on the returns. Prior to obtaining my XXXX EIDL Loan I had made sure that sole proprietorships without any employees can apply. My loan officer assured me that I could apply using my social security since I was a sole proprietor without any employees. My hard credit pulls from the XXXX were all done by my Social Security number. My tax returns on my business uses my social security and I'm listed as a sole proprietorship with the IRS. Many gig workers, independent contractors and sole proprietor qualified and received the loan. 


Since XXXX requires my EIN to be established before XX/XX/XXXX in order to unfreeze my account I'm out of options. Basically, filling for a XXXX today would not help. My loan docs and tax returns matches my bank account info. The tax return proves I was in business for the year of XXXX. This bank account is around XXXX XXXX XXXX as well and never have been frozen. 

Thank you for your time.