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

Wells Fargo Complaint This is a complaint about how I, a Wells Fargo customer of 40 years, was treated earlier this year XXXX. I am asking Wells Fargo to reimburse me {$1300.00}. 

During the week of XXXX XXXX XXXX I initiated a wire transfer from my Well Fargo accounts to my bank in XXXX, XXXX, I think this was on XXXX XXXX. The next morning I went online to check the status of the transfer and found all my Wells Fargo accounts and credit cards frozen. I called Wells Fargo customer service including at least two people in the Fraud Department. Even though I gave the correct verbal password the Wells Fargo agents would not verify my identity nor would they unfreeze my accounts. They would not tell me why my accounts were frozen. They insisted that I return from XXXX to the United States to verify my identity with two forms of picture ID. 

On XXXX XXXX - XXXX I returned to XXXX XXXX and met with a bank officer, XXXX in XXXX CA. I presented my CA drivers license and my passport and my accounts were made available to me. She inquired as to why my accounts were frozen. She told me the following : I had recently changed my password - This is true. In XXXX XXXX I changed my Wells Fargo passwords. This is something I do every year. I is something computer specialists advise consumers to do periodically given the rash of identity theft in the US. 
I had opened a new checking account - This is true. I opened a new checking account as part of the process of separating finances from my wife at the time. We were going through a divorce. However, I have been a Wells Fargo customer since XXXX. Even with a new account I had a decades long continuous history with Wells Fargo I had tried to make a wire transfer to a foreign country - This is true. I had just moved to XXXX and opened a new bank account with XXXX XXXX in XXXX. I set up a wire transfer through the Wells Fargo website. I believe I also spoke to someone at Wells Fargo on the telephone to help me set up the wire transfer process. I initiated a {$200.00} transfer to test the wire transfer procedure. 

These 3 events apparently triggered the freezing of my accounts. 

In order to return to the US I had to borrow money to purchase a plane ticket. The flight time to and from the US is 18hrs. I had taxi expenses going to/from the airport and Wells Fargo bank. Food expenses while in the USA. 

Wells Fargo is a major US bank that offered international wire transfer services to its customers through its website. The website was designed for customers to set up international wire transfers on their own from their home computers. I appreciate that Wells Fargo performs fraud detection on its transactions. I liked the procedure of having a verbal password to verify my identity. However, Wells Fargo failed to honor the verbal password to identify me and appears to have no other procedures in place to identify customers remotely. 

I contacted Wells Fargo through their email customer contact. I described my complaint. They refused to reimburse me for the travel expenses associated with this event.
Product: Credit card or prepaid card

I have been an excellent customer with a Capital One Venture Card for many years. 
After my card apparently was compromised ( probably during a trip a couple of weeks ago ), Capital One has insisted repeatedly that they need my mobile phone number for security purposes before sending me a new card. They never mentioned anything about using email as an alternative. 
This makes absolutely no sense. I have been living at my current address for over 8 years, and they would have been sending my new card here to this address. Also, I was telephoning them from my home phone number, and their recording even stated that I was calling from the number that they had on file. 
In my opinion, this was an attempt to obtain my mobile phone number ( which I try to protect -- and yes, I do realize that it is a losing battle ). This had absolutely nothing to do with security. 
So, I literally ended up closing my Capital One credit card account over this. 
I would also like to add that I received an email stating that Capital One was going to send me a new card ( even though they did not ). 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. These items are not related to any transactions completed by me and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Experians process of blocking the reporting information on my consumer report that is a result of identity theft is in direct violation of the law and a violation of my privacy. When submitting my identity theft documentation to the consumer reporting agency, it was communicated that the fraudulent accounts did not meet Experian 's criteria to be removed from my consumer report. When asked what was their criteria, the response from the representative was I can not disclose the criteria or the process that Experian uses. 

This process is unlawful, inequitable, and does not preserve the rights of my privacy as a consumer in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Furthermore, it states 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letter have been sent to XXXX on dates below : Equifax - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120 Days i have not received any response or report of investigation. I feel like i am been taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. 
Furthermore Section 611 ( a ) ( 1 ) ( A ) of FRCA Law states clearly that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. it has been over 120days, so they should be deleted immediately and promptly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reporting on my account with XXXX XXXX XXXX. Specifically, I am referring to the following account details and associated late payment : Account Name : XXXX XXXX Auto Account Number : XXXX Account Type : Auto Loan Late Payment Date : XX/XX/year> Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not reflect information solely related to transactions or experiences between myself ( the consumer ) and the company reporting ( XXXX ). Negative payment histories and late payments have a direct and harmful impact on my credit report and, by extension, my financial wellbeing. 
In addition, per 15 USC 1666 ( b ), I am requesting that you provide documentation of the reasonable procedures your company follows to ensure that each periodic statement is mailed to me ( the consumer ) no later than XXXX  days before the payment due date. I also request that you include the information required by 15 USC 1637 ( b ) of Title 15 in your response. 
Please be advised that you have XXXX days from the date you receive this letter to respond with the requested information. If I do not receive a satisfactory response within this timeframe, I will assume that you are unable to verify the accuracy of the reported late payments. In that case, I will request the removal of these late payments from my credit report with all relevant consumer reporting agencies ( XXXX, XXXX, TransUnion ), and the account should be updated to reflect a positive payment history. 
Please send any updates or responses to the address listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Upland, CA XXXX Thank you for your time and attention to this matter. I look forward to your prompt and favorable response.
Product: Credit card

I would like to dispute the reporting on my credit report for account number XXXX with Capital One in XXXX XXXX XXXX, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following three months for the fee as well as additional, incurred interest on the outstanding balance. I continued to contact the creditor with the same request every month that I received a statement. They reluctantly granted my request after numerous contacts and issued an email to my address. I no longer have this email because it was sent over 24 months in the past and I also have not received any more statements since the creditor agreed to meet my request. 

I would also like to remove the reporting in regards to account number XXXX. I received a bill in the mail from the collection agency XXXX XXXX located in XXXX, IN. I am not really sure of the address that I gave the provider of the medical visitation. I was living with a significant other at the time of the treatment while transitioning residences. My driver 's license was not up to date at this time as well. I did receive a bill from the collection agency within a few years later. The bill was paid as indicated in the reporting, but because of the derogatory status, I would like for this account that was satisfied in full to be removed from my credit report.
Product: Student loan

I have been contacting Nelnet via emails since XX/XX/XXXX regarding my Borrowers Defense Group Discharge of my Student Loans from XXXX XXXX XXXX XXXX XXXX 

With that being said, Nelnet replied to me in their letter dated XX/XX/XXXX regarding my Borrowers Defense Group Discharge, but their information in their letter is incorrect. They stated in their letter that I had applied for Borrowers Defense to repayment discharge on XX/XX/XXXX with XXXX, which is the incorrect date for when I applied for Borrowers Defense. The date that I applied for Borrowers Defense was XX/XX/XXXX. Also, since I attended XXXX XXXX XXXX XXXX XXXX within the time frame of the Department of Education 's Borrowers Defense Group Discharge, my loans should be fully discharged and all payments I made towards the loans should be refunded to me. 
Also the Federal Student Aid Website shows the actual date for when I applied for the Borrowers Defense which was XX/XX/XXXX. In fact, the website shows and proves that my Borrowers Defense Case is Processing Discharge. Also, the Federal Student Aid Website shows under the heading Loan Forgiveness and Discharge : Borrowers Defense it states my Loan Servicer, which is Nelnet, had processed loan ( s ) discharge ( s ) and a Loan Discharge was applied on XXXX XXXX XXXX  to my loans. 

My Nelnet account does not show any information about my loans being discharge and Nelnet needs to correct their records accordingly so that the filing date for my Borrowers Defense application is XX/XX/XXXX. Also per the Federal Student Aid website, showing that my student loans have been discharged, Nelnet needs to update my account to showing my loan ( s ) discharged information and the refunds of my payments made to the loans should also be issued to me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

ALLEGED ACCOUNT ON MY PROFILE THAT DOESNT NOT BELONG TO ME NOR DID I APPROVE OF OR GOT ANY CONNECTION TO XXXX  - {$4800.00} as OF XX/XX/XXXX account been reporting to my account not my account Account reporting different balances first was XXXX then went to XXXX inaccurate XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX SSN- XXXX
Product: Debt collection

Debt Collection Company ( Deville Asset Management ) never sent a letter about this debt it was on my credit report. Saying it was from XXXX XXXX the Original Creditor. 
This loan is a fraud. Never took out this loan, despite attempts to fight it. 
I am having problems doing this, and don't know what to do.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 or other personal consumer reports

Credit reporting agency has failed to remove the public record from my report. as outlined in the attached letter.
Product: Credit card or prepaid card

An American Express account was opened and placed on my credit report. Upon noticing it months later I contacted American Express for verification of the account. I have 2 other American Express accounts and was not sure if they opened it or if I did. I formally requested verification and disputed the account and transactions. American Express reversed the charges and stated it was fraudulent. They closed the account and everything seemed fine. 45 days later the account was reopened and the charges came back. Again, I contacted American Express for better understanding. They did not again verify the account was mine and continued to report it on my credit report. Soon after it turned 30, then 60. now 90 days later which is damaging my credit score. I then requested verification and disputed the charges again. They closed out my other 2 American Express accounts and provide little to no information. They are willfully damaging my credit and closed out accounts. Currently they have not validated this account and refuse to do so. This is a willful neglect and requires more assistance. My rights are being violated and the stress and financial damage they are causing has become unbearable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXX XXXX and received a letter in the mail informing of being declined for a loan. Not for my XXXX score which is XXXX, but because of my score from a company called " XXXX '' and their score of XXXX. That is a huge difference in my XXXX, XXXX, and XXXX scores. Who is this company and why do they or should they have access to my credit information and where are they obtaining that score, when all other companies and my FICO score, are much higher?
Product: Credit reporting or other personal consumer reports

I settled and paid XXXX XXXX XXXX as agreed on XX/XX/XXXXXXXX XXXX  and brought my account to {$0.00} paid as agreed settled for less.Then they started to report it as a change off from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX  This is NOT correct at all! The only reason they stopped reporting a current monthly charge off when I asked them for a paid as agreed letter in XX/XX/XXXXXXXX  But they wrote the date I requested the paid as agreed letter in XXXX. XXXX as the date the settlement was completed which is not true. I attached my statements from them showing I finished paying the settlement early on XX/XX/XXXXXXXX XXXX XXXX NOT XX/XX/XXXX and the schedule of payment due dates for there settlement agreement XXXX XXXX XXXX Because of this falsely reported as a current monthly charge off for nearly a year I have been unable to get housing or credit based on there months of misreporting. I'm sure I have legal grounds under the FCRA to file a lawsuit and potentially owed compensation for damages from the creditor and Experian because they never looked into it as they claimed they did THE 6 TIMES I DISPUTED but the Experian disputes department doesn't investigate it as claimed or look at the 11 months of statements showing I paid them during that tme but they said they looked into it 6 times!?!!! The first disputes agent I spoke with in XXXX said they would delete this from my credit report once they get the months of statements showing I paid iy off XX/XX/XXXX. As agreed I sent them the statements but they didn't do what the dispute department agent said they would do.
Product: Credit card

ACCOUNT ENDING XXXX Please be advised that I have made advance payments every month on the account more than the minimum payment due. I was on paperless billing and did not realize that my payments did not reflect during the billing cycle. I was charged late fee for the following months : XXXX  {$30.00} XXXX  {$34.00} XXXX {$39.00} I am requesting that you waive these fees. 

In addition, I overpaid {$150.00}, I am requesting that you return the credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. XXXX and Transunion did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXXXXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXXXXXX was not able to prove I was a XXXX XXXX because I was not a XXXX XXXX This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both Experian and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.
Product: Debt or credit management

I was supposed to receive my direct deposit from my job in my account on XXXX XXXX XXXX After not receiving anything or any information on my check was late, XXXX XXXXXX/XX/XXXX came and still no money. Called customer service, waited on the phone for over an hour to be told we dont know anything its probably a concern with your company. After reaching out to my company and being told the bank received my direct deposit, I called capital one again to be on hold once again for over an hour to be told no information. We are now on my actual company pay day XX/XX/XXXX and I am XXXX of hundreds who bank with capital one and we are not receiving the money we worked so hard for. XX/XX/XXXX I was told that the earliest I could receive my check would be XX/XX/XXXX or even XX/XX/XXXX. That is over a WEEK of not receiving MY money.
Product: Debt collection

I contacted North American Credit Services on XX/XX/XXXX to pay a debt that was showing on my credit report in the amount of {$240.00}. I paid it in full to have deleted off of my credit report. They then asked if I was going to take care of a {$1000.00} debt from hospitals / doctors back in XX/XX/XXXX. This was NOT on my credit report at the time. This is XX/XX/XXXX. I asked them to hold off until I do some research on the bills because I don't recall them from over 3 years ago. 
Then a few days later my credit score was hit and dropped XXXX points because they put it on my credit reports. They did NOT allow me to verify the debts that I thought were paid in full. They reported it on my report when I asked them to give me time to research. Now my scores went down XXXX points and its hard for me to come up with the debt. I am still unable to verify. I asked that they send me all documentations that the debt was mine so I could compare to any bills that I also had. I keep all my documents. She got smart with me and said that would take some time. I told her to send them. 
I still haven't received them and in the mean time its still showing on my credit reports and still badly affecting my scores. 
Can you please assist me with having them take this debt off of my 3 major reports until I get all documentation from them and do my research to make sure my insurance company or they did not drop the ball. It is totally unfair especially since it was ME reaching out to them to pay off a debt I noticed on my credit report when I started to used XXXX XXXX.. I paid that one off because I had the bill to verify and thought I was doing the right thing.