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

on XX/XX/2023 a person from Wells Frago called me to tell me that WF followed their internal procedures in assisting a customer open an account. They had two false statements : First they stated they had no internal notary available. That is not correct since a XXXX XXXX XXXX XXXX ID XXXX had notarize my documentation. WF also stated that they could not assist me in what areas to fill out, on their form, since this would be perceived as giving legal advice. Again, not true because all forms that I received at the branch had yellow highlight of the areas that needed to be completed. The individual apologies multiple times on the challenges WF has internally, which is not against any law but definitely demonstrates the inability for WF to manage people 's money. So WF has lied, just made-up excuses of why they can not complete a Trust document. I believe after all of this there is a bigger issue of discrimination on a customer that has set up a Trust account. The perception is that this customer has money, and we are going to give him ( a guy ) a hard time. All the employees I have dealt with have been of XXXX and female background. The last issue WF states that XXXX XXXX phone number XXXX Branch Manager does not exist in their employee directory and neither does XXXX XXXX XXXX at the XXXX branch. They are hiding the fact that these employees are discriminating against customers and they either have no clue of procedures or they are not following them.
Product: Debt collection

Fraud happened to me and I disputed on XX/XX/XXXX. The criminals used my Apple Card Goldman and Sachs bank, which was stolen in the amount of {$310.00} to purchase from XXXX and on XX/XX/XXXX {$110.00} for a restaurant called XXXX XXXX. These were not my two transactions.
Product: Student loan

I currently have a private student loan with XXXX serviced via AES. I have made several attempts to have my monthly loan payment lowered. I have been given conflicting information from several different agents. First I was told that I had to apply with my cosigner 's financial information which I later found was untrue. Then I was told that negative remarks on my credit would be back dated after I applied for loan modification. I was also told that information was missing from my application which was also untrue. ( XXXX AES supervisor did n't know I was on the phone and expressed how she was happy that I hung up. ) After months of attempting to lower my payments, I finally got my application in. I was denied because XXXX felt that based on my income and expenses, I would not be able to afford the lower monthly payment they were willing to offer me. If I ca n't afford the lower XXXX how do you think I can afford the higher payment? AES sets you up for failure and bad credit and it 's absolutely unfair.
Product: Credit card or prepaid card

A renewal charge of {$53.00} was placed on my Discover card without my authorization. The renew was for a service that no longer exists. I contacted the merchant, and, as a precaution, I also disputed the charge with Discover. The merchant agreed to refund the charge and sent me a document showing that the refund was made. However, Discover did not give me credit for the refund. I contacted Discover and sent then copies of emails from the merchant, attesting that the charge was not valid and was refunded. However, Discover ignored these emails. I called Discover and talked to XXXX. She did not question the fact that i paid the charge through Discover, nor did she question the validity of the emails from the merchant stating the charge was not valid and should be refunded, nor did she question whether the merchant made the refund. She said the transaction was handled through XXXX, and i would have to contact them. I can not do that because I have no relationship with XXXX, in the context of this transaction. I did not pay XXXX ; I paid Discover. If Discover handled the transaction through XXXX, it was not my choice and out of my hands. My dispute is with Discover, and i have demonstrated it is not a valid charge. I expect Discover to honor the dispute and recover the charge from whatever entity Discover paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask Transunion to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.
Product: Checking or savings account

I opened an account with citi bank on XX/XX/year> to utilize the account for my direct deposit in my workplace. Account was opened successfully was even mailed a card and had access to online portal. On XXXX  XX/XX/XXXX I tried to access the account but was unable to log in with my credentials. I contacted the bank customer service number to get answers. Spoke with agent and they stated the account was blocked and they sent me fraud department, fraud department stated account closure is due to early warning notice and to contact early warning. No problem about the account closure, the problem is they opened the account successfully and I used the account for my funds to be deposited. The account was closed as they stated my funds was sent to this account leaving me no food and money to provide for my kids. I called numerous of time to see if a rejection of funds from my employer would happen due to closure thats on XXXX  XX/XX/XXXX when I reached out to see if funds were in the closed account. Agent stated yes and no funds has been deposited and will be rejected due to account closure. So I contact my employer on Monday to let them know the funds has been rejected by citi bank as they stated. So Tuesday nothing has been done on my employer side so they emailed me and told me they are waiting on funds to be rejected from Citi bank. Wow, I called Citi bank and the agent stated funds are In the account an he has to email the back department to check on my funds. Why are my funds being held in a closed account that was successfully opened for 2 days. I get pains on XXXX  XX/XX/XXXX but no funds were in the account. Why havent they rejected the funds to send back to employer? I am without food and have disconnection notices. I was sent a letter of bank not opening why are they holding my funds for an account I never really had.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Novo.co ( XXXX XXXX XXXX ) uses XXXX XXXX as the actual bank to receive wire transfers. I typically get paid from my client the same amount every month. My client sent me the wire transfer confirmation from their side and I've shared this with Novo, but Novo still has not processed the funds and it's been over a week. It's a large sum of money and I've repeatedly ask for escalation and status updates ( and have received nothing from Novo ) and why I'm escalating with CFPB.
Product: Credit card

XX/XX/year>, I requested a refund on my account after opening a dispute, Chime customer service lied and stated I will be issued a refund but they are still investigating. There is nothing more to investigate. They are lying and illegally hold my funds.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you the credit agency 's XXXX, XXXX, Experian as well as XXXX block all information appearing on my personal credit report that is a direct result of identity theft and fraud with in XXXX business days of receiving this complaint. This fraudulent inaccurate and false information consists of personal credit card account opened at XXXX XXXX on XX/XX/year>, under account number # XXXX This account has resulted in several late payment and a charge off on my personal credit report. I do not recognize this account the inquiry, late payments or charge off being reported on my personal consumer credit report. This account is a direct result of identity theft and fraud. i have attached a copy of the FTC report as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit report account, inquiry, charge off and late payments are result of identity and theft fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to multi-layered scam operation run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX ( the Company ) from my XXXX XXXX account to XXXX at the instructions of the scammers.
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abilty to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX, I sent out a certified mail to TransUnion letting them know about unauthorized credit inquiries on my report and asked for them to be removed. TransUnion failed to address the issue and delete those unauthorized inquiries. The inquires in question are below : XXXX XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/18 i used XXXX XXXX XXXX to send an emergency money transfer from NY to GA to a family member when the recipient went to get the transfer @ the Ria Authorized Agent no body spoke english @ said location & recipient was unable to collect the transfer @ which time i called Ria to cancel said transaction and have gotten the run around ever since then making numerous calls to Ria to resolve and no resolution to this point. The amount sent was {$490.00} plus a transfer fee of {$9.00} making it {$500.00} total
Product: Payday loan, title loan, or personal loan

I have been the victim of identity theft & as per my credit report for multiple {$300.00} pay day loans since XX/XX/XXXX. I just learned about this today after checking my credit report XX/XX/XXXX. I DID NOT take out nor apply for any pay day loans in person or online. I have not used my credit for the past 3 years & that has been intentional on my part, because I had no reason to do so. I have spoken with the original creditor & was informed to complete all steps given to me by the third party collection agency who in turn would investigate this matter futher.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

XXXX XXXX XXXX  : XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. 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 instructions of the consumer to whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. ( a ) Information excluded from consumer reports ( 5 ) 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 






XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Incorrect address : XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

I have submitted a dispute on a charge from XXXX XXXX because I cancelled the membership and capital one card did NOT help me with the dispute and did NOT give me a credit for the XXXX dollars that I am disputing and they have not contacted and charged back XXXX XXXX. The case number is XXXX. I cancelled the membership according to the company XXXX XXXX policy and I should have received as a refund from them XXXX dollars but they only gave me aRefund of XXXX which is wrong so I disputed the remaining XXXX dollars out of the XXXX dollars that I paid XXXX XXXX. Capital one sent me a letter stating that they gave me a temporary credit of XXXX dollars but they did NOT. I do NOT see any credit from capital one for this dispute. 
I want capital one to help me with this dispute and to credit my card with my money of XXXX dollars and I already emailed and faxed capital one with the documents that they requested from me but I do NOT see a credit to my account even though they said that they gave me a credit. 
Again the case number is XXXX I need capital one to protect me from XXXX XXXX and to prevent them from stealing my money and to refund me the correct amount I paid for a year of membership at XXXX XXXX and I cancelled after 6 months on XX/XX/XXXX so I should get a refund of XXXX dollars but they only gave me a refund of XXXX dollars and that is totally wrong because they still owe me XXXX dollars .and capital one should give me a credit of XXXX dollars
Product: Credit card or prepaid card

I was charged XXXX from a place called XXXX. I never signed up for this. There are many sites to look at such for free. I discputed these charges with Discover Card and all they told me is that XXXX told them is that the charges are no fraud since the card has my name on it which associates with my email. They also told me that they sent me a Welcome letter in email and several other emails. When questioning to recieve such emails XXXX has yet to supply such and Discover Card keeps telling me I subscribed to this company on XX/XX/2013. At that time I was in the process of going thru with a home purchase, so why would I sign up to look at foreclosed homes. Discover card refuses to write off these charges that I never authorized. Funny how XXXX says your never liable for unknown charges, yet they are screwing me over
Product: Mortgage

I was affected by the XXXX  XXXX XXXX  in XX/XX/XXXX. I applied for and was approved for a forbearance plan under Ocwen in XX/XX/XXXX. My loan was transferred to PHH who was scheduled to service the loan on XX/XX/XXXX. On said date, I contacted PHH to make a payment and was told my loan didn't transfer over. After several calls through out XXXX, finally in XX/XX/XXXX, my loan was transferred and I was told I now owed for XXXX and XXXX, although I was originally told no payments were due for XXXX. I made two payments in XXXX to bring my loan current and was placed on a trial modification for 6 months, which I adhered to each and every month by calling and speaking with an agent to make payments. I was told in XX/XX/XXXX that closer to the end of trial modification, I would receive paperwork tht would provide options available to me to cure the three months that I was on the forbearance plan. I inquired about said paperwork in XXXX and XXXX and was informed that because the company is very far behind, that I would have to continue making payments as I have been doing so and they will get around to my file and send out said paperwork. On XX/XX/XXXX I received a Notice of intent foreclose, dated on XXXX XXXX, XXXX, and postmarked on XX/XX/XXXX. I immediately contacted PHH upon receipt of said notice and after hours and hours and several different supervisors and employees, I spoke with a supervisor of the escalations department and was was informed that I did not need to worry about the foreclosure paperwork as I had been paying as I should have under the trial modification, and that PHH would submit a request to have my account reviewed as they are very behind on mailing out the paperwork. On XX/XX/XXXX, I tried to make a payment as I had been doing so for the past 5 months and was told that they would not accept a payment as I had to bring the entire account current in order to accept a payment. I requested a supervisor and was told one would call me back, as of today, I am still waiting for a call back even after calling three more times since XX/XX/XXXX. Most recently, I called and requested to speak with someone for answers on XX/XX/XXXX and have yet to receive a resolution. I was informed that now that there is no modification on my account, although I received statements with modification trial payment listed. Again, I was placed on a trial modification plan, yet at the end of the trial plan, was given no alternative option to cure the outstanding balance other than pay an amount that is twice the amount of what it should be. I need help in getting this severe error with my account resolved as this is affecting me in every way possible.
Product: Credit card

someone did fraudulent activity on my card. I contacted the credit place. They asked me to send my ID fax it over. I did no response. I cant pay my bill because I cant login and it keeps going higher and higher because I cant pay my bill so then I called them back and sent it over again faxed it no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries 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. I have contacted the FTC and local police.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there XXXX be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Product: Checking or savings account

I am the sole trustee of XXXX XXXX XXXX XXXX, I opened a business account in Cathay Bank in 2018 when we purchased the property in XXXX. XXXX  had ups and downs over the years, however we have a good will and put effort into a good relationship with Cathay bank. This year we paid off the XXXX bank loan and the bank issued satisfaction letter to us. 
Today I went to the Canthay bank branch located in XXXX XXXX XXXX, XXXX, asked the bank to issue a debit card for the business account, first the bank clerk said : did you lose your card? We have record that you already have a debit card? I answered I have never received an ATM card for this business account. I am here requesting one for this business checking account. Then the clerk said : there are notes in the account said not issuing ATM card for there are non business related activities. I asked whose mark was that? The clerk gave no answer. I said thats nonsense, all the activities are within business. 

I demand Cathay bank investigating this no notifying fraud notes in my account. A bank can not put such wrong notes in a business account without even communicating or proper process with the business owner/representative. 

This will invoke federal law on discrimination on small business.