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

Hello, On XXXX  XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on XXXX  XX/XX/23 in XXXX, MN. An unknown individual ( s ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.

I filed a previous complaint in regards to this matter and received a response from the business today that I do not agree with, They said I physically used the debit card in question after I reported the fraudulent activity but that is not possible as I was not in possession of that debit card. When I first filed the dispute with Associated Bank, I was told they would do a full investigation and look at the video footage of the cameras at the institution where the fraudulent activity occurred but this never happened.
Product: Checking or savings account

On XXXX XXXX, 2024 I discovered online that my checking account was closed by Wells Fargo without me being notified of the planned account closure. I did receive a letter dated XXXX XXXX, 2024 on XXXX XXXX, 2024 notifying me that Wells Fargo had closed my account. I called Wells Fargo to inquire why my checking account was closed and discovered in speaking with their customer support person, XXXX, Wells Fargo, through their incompetence and neglect, had closed my checking account due to, according to XXXX, " the Patriot Act ''. XXXX went on to explain that Wells Fargo did not have the physical address on file for my wife who resides at the same address as I do and is joint owner of the checking account. XXXX admitted at the end of our call that it might be a " broken process at Wells Fargo '' that caused my checking account to be closed. Also, it is worth noting that I had gone to a Wells Fargo branch several weeks earlier in XXXX after receiving a letter from Wells Fargo to ensure that my physical address on the checking account was correct. The Wells Fargo branch manager, XXXX, who reviewed my checking account information repeatedly assured me that my checking account was up to date and that there would be no risk of my checking account being closed by Wells Fargo. After speaking to XXXX at Wells Fargo customer support I immediately went to the Wells Fargo branch and met with XXXX, the branch manager, who had assured me repeatedly that my checking account would not be closed. After reviewing my account and calling her internal contacts at Wells Fargo, she said that she could not do anything to stop the closure of my checking account and that the closure was " not my fault ''. She also stated that this was probably a breakdown of Wells Fargo process that caused my checking account to be closed. My checking account was closed after 25 years at Wells Fargo and never having my account overdrawn. 

I had to immediately set up and fund a new checking account at XXXX  XXXX XXXX to ensure timely payment of my bills. 
So far, Wells Fargo 's incompetence has cost me : {$140.00} for an automobile insurance policy that had to be paid with a credit card instead of the debit of my checking account as planned. 
{$15.00} XXXX XXXX XXXX ( XXXX  ) fee for an expedited ATM card for my new checking account at XXXX. 
I am requesting that Wells Fargo compensate me for any fees I incur associated with the closure of my checking account by Wells Fargo.
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX for two pairs of glasses. They were not at all as described. I tried to return them but I would only get a partial refund. I completed a benefit request through Citi and they declined it because they said I was getting some refund. But Im not getting a full refund. Partial refunds to buy the same thing that is not as described is meaningless. Why offer credit card benefits to protect against these things if you really wont protect your customers? I wasted my time and effort across the board on this. I should be protected. The items not as described. I shouldnt even have to waste my time and effort on this. There are other credit cards and Im going to use those moving forward. But I want this issue resolved. Ive wasted some much time and effort that its ridiculous. Provide the customer protections on the card you say you provide!
Product: Money transfer, virtual currency, or money service

I wanted to send money to a friend in XXXX TN. 
I use Western Union on a weekly basis to send money to XXXX but this was my first time trying to send within the US using online banking. 
The site asked me for my bank user id and password. 
My bank manager said it must be a fraudulent website. 
It looks very real -- just like what I am used to seeing and with the same URL.
Product: Debt collection

Midland Credit failed to verify and validate all data for this account, and is being reported FRAUDULENTLY on my credit report. 
They sent me back basic information on the account, not the detailed information I requested. They also sent me paperwork on other accounts I did not request. They continue to change information and change dates of account on my credit report without validating or verifying the information. They are breaking the law!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for Experian to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that Experian had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why Experian chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that Experian refused to block were as follows :   XXXX   XXXX    XXXX  Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to Experian were fraud.   XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX  Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to Experian by phone and by certified mail. They claim this fraudulent information was provided to them by  XXXX , but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as   XXXX   XXXX  .
 XXXX  was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me.   XXXX   XXXX   never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
Product: Mortgage

I have a home loan with M & t bank. I 've never been late. Even now. 
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. 

For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}. 

I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. 

A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee? 

Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. 

I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. 

I have never been late. I want my money back. 

I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. 

Again, I have never been late. I have never used that account for anything other than my loan transfer. 

What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from 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 {$0.00} XXXX XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXXXXXX {$280.00} XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a store credit card at XXXX XXXX in XXXX, MD which is serviced by Wells Fargo. They claimed that this card was no interest for the first 12 months. Over the course of the next year I made payments as agreed upon and at the last 3 months paid 600+ to make sure that the balance would be paid off before interest was applied on XX/XX/2018. 

I sent my bill pay form XXXX as usual and the check was received by XX/XX/XXXX for {$660.00} which was over the balance by XXXXcents. I logged on severally but the payment was not applied. I called my bank to check what the problem was and they provided a receipt that payment was sent and received on time. 
That is when Wells Fargo reps started calling me for payment and I told them i had already paid. I have all the call logs of this. They sent me to another department and i have been working with 'XXXX '' from XXXX XXXX XXXX. She asked me to fax her proof of payment and I did, twice. 

This morning about a week later, XXXX called and said they would not honor my payment because they did not cash it. I got to my computer, paid {$660.00} which was the original outstanding balance and let her know that I would file a complain with the banks ( wells Fargo, XXXX ) and with the Federal Trade Commission as this seems odd that only the last payment went missing and i used the same method to send payment. 

I have also asked Wells Fargo to close the account as this is my 2nd time trying business with them unsuccessfully. I believe this is unfair practice and if the account was truly no interest the payment would have been cashed without issue. I believe because i was able to pay off the balance, wells fargo " lost " the final check so as to apply $ 700+ interest on my account. 

I am writing to seek assistance in closing this account and in making sure that they do not have detrimental effect on my credit report. 

Thank you for your time and assistance on this, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

I received a notice of an attempt to collect a debt from Blitt and Gaines , P.C . and they did not provide me with any proof of debt or validation information and also they did not inform me that I have a right to dispute it.
Product: Checking or savings account

Claim # XXXX Ive reached out to Wells Fargo numerous times in regard to the events that have occurred on my account. A couple of faulty fraudulent checks were deposited in my account that I didnt authorize, so I called as soon as I came to the realization and have been in distress since then. They were informed that my identity was stolen and as a result someone whom I DO NOT know and wouldnt know if was a family member, as they stated I told them is responsible. Im tired of having these false statements and accusations alleged on my name and Im about to get ready to file a lawsuit regarding this matter cause its not right. This is my last time trying to get this resolved in the matter it should be handled cause Im a victim of fraud and identity theft getting treated like a unvalued customer.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX last 4 my account is paid in full at the cash store as I only owed {$970.00} my principal amount was {$900.00} I paid the Cash store in XX/XX/2017 {$300.00} in XX/XX/2017 I paid {$240.00} in XX/XX/2017 I paid {$180.00} in XX/XX/2017 I paid {$240.00} that should add up to {$960.00} I wed XXXX dollars in total I never made the XXXX dollar payment but I can definitely give it to you now if you would like to take the XXXX dollars???? 

you are the seventh collection agency to call me even after it was paid way back in XXXX. I have turned the Cash Store into the financial bureau for unlawful collections because they keep selling my account like I never paid it and it was paid in full, except for XXXX dollars. 

The company gave me this info orally over the phone -- but refused to give me a print out. They sell ( or turn over the accounts to several creditors ). I get numerous calls from different collection agencies, and I go through the painful process of explaining that the loan was paid in full over and over again. This is harassment, and unnecessary. 
I am still getting calls, this loan was paid off in XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at XXXX XXXX XXXX  : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of XXXX XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from XXXX  XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from XXXX  XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I contacted XXXX and Innovis to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX Bank, and XXXX and XXXX XXXX Bank. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( HPD Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, XXXX and Innovis has failed to remove these items from my report. The fraudulent account with XXXX for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with XXXX and Innoivs, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. XXXX and Innoivs has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. Actions Taken : Submitted identity theft and police reports. Contacted XXXX and Innovis. In XXXX to request removal of fraudulent accounts. Disputed the fraudulent accounts with creditors and other credit bureaus. Resolution Requested : I request that XXXX and Innoivs immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.
Product: Credit reporting

Equifax has been contacted several times in the past and recently regarding the re-aging of a few accounts on my credit file. I contacted Equifax over the phone on XXXX/XXXX/2017 to indicate that items in my files were not validated and verified legally. The representative, " XXXX '', was informed that re-aging ( an illegal practice ) is still occurring on my credit file. I explained to XXXX that there were XXXX accounts where the date of first delinquency ( DOFD ) were not identical. 

XXXX stated that once a company sells a debt to a collection agency, the collection agency has their own dates. I explained to XXXX that this information was invalid, and that the DOFD are legally supposed to be identical, not different dates. Furthermore, I explained to her that Equifax is a resource that bridges the relationship between companies and consumers. They are required by law to ensure that the information the report on me is accurate. 

XXXX only submitted a dispute on this issue and refused to review the information and delete it due to inaccuracy. After SEVERAL investigations for these accounts, it is apparent that Equifax neglected to validate and verify these accounts as required by law.
Product: Debt collection

I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.