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

I am filing a complaint about unauthorized access of my accounts on Wells Fargos online banking website on XX/XX/2022, during which the intruder : 1 ) Enrolled my accounts in XXXX service, and added two XXXX recipients 2 ) Made a series of XXXX payments from my personal and business checking accounts to the same recipient 3 ) Initiated two cash advances from my credit card account ( issued by Wells Fargo and accessible on Wells Fargos online banking website ) to my checking accounts. 

All of the above activities were NOT authorized by me, and clearly a result of lack of security measures on Wells Fargo online banking website. The long holding time of more than 45 minutes on Wells Fargos online fraud reporting line also allowed the criminal enough time to conduct those activities. 

Amount by Unauthorized Transactions 1 ) 11 XXXX payments totaling {$480.00} from my business checking account to XXXX XXXX 2 ) 4 XXXX payments totaling {$170.00} from my personal checking account to the same recipient XXXX XXXX 3 ) Cash advance of {$2400.00} from my Wells Fargo Cash Wise Visa Signature Credit Card to my business checking account XXXX ) Cash advance of {$500.00} from my Wells Fargo Cash Wise Visa Signature Credit Card to my personal checking account Action taken by me and Wells Fargo ( Claim # XXXX ) 1 ) I provided Wells Fargo with detailed information regarding the case, both verbally on the phone with their online fraud department and in writing through fax XXXX ( see attached PDF document ) 2 ) About 10 to 15 business days after the online fraud occured, Wells Fargo 's online fraud investigation department notified me by two letters ( one from credit card fraud claim department, the other from online fraud claim department ) stating that there were NO fraudulent activities related to my accounts and my claim case was dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an acceptance now account for the amount of {$2100.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XX/XX/XXXX, XXXX  XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX for XXXX amount of {$240.00} opened XX/XX/XXXX and XXXX XXXX XXXXXXXX opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXX  date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX and XXXX XXXX XXXX/AIDVANTAGE Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a collections letter dated XX/XX/XXXX from an Attorney Richard Manning Jr. of XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts. This is not my debt. 
My mother passed away on XX/XX/XXXX, shortly before she passed unknown to me coerced and seriously ill she had placed my sister XXXX on a joint account held in my name and my mothers name ( XXXX XXXX ). This was done behind my back without my consent, knowledge or permission. 
The credit union called me shortly after my mother passed and stated funds from a social security check direct deposit were missing and needed to be returned. I informed them I had not made any deposits or withdrawals, lived in PA so whom did they give the actual money to. The credit union representative stated they checked the withdrawal and XXXX XXXX XXXX actually was given the account funds and she also closed the account. I informed them that was a theft of monies and of a social security check and I had not taken or received any funds from that account. The representative stated they would take up the matter with XXXX XXXX XXXX and the account had already been closed also by XXXX. I informed her I had received no notice from the credit union XXXX was placed on the account I had received no notice she was closing the account. Now I am being placed in collections when I was victimized by the banking practices of the credit union, even though I notified them of the theft of monies from my mothers account was not authorized by me. I received no notifications, calls ( cell number the same as when they called me in XXXX ) and this is the first of notices I am expected to repay an amount owed by someone else who committed social security check fraud.
Product: Mortgage

I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them. 
XXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and misleading, as they did not adhere to error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced considerable inconvenience and financial loss, and I am seeking appropriate remedies for these violations. CashApp name XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2023, I applied for an auto loan. The advertised rate was 6.29 % minus .5 % discount for being a diamond tier member. Instead of receiving a rate of 5.79 % I was given a 5.99 % rate. As a longtime customer with a credit score of XXXX and assets deposited in this institution exceeding XXXX times the loan amount. I was puzzled as to the reason. 

I have made three requests for the specific reason that I did not receive the banks lowest advertised rate. In all three requests I was only given general reasons. 

I believe that Bank of America is in violation of the Equal Credit Opportunity Act - Regulation B - for not disclosing the specific reason I was denied. 

I was my hope that this bureau would investigate this issue and not just close my complaint when Bank of America refused to answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed my credit report from Experian and I noticed that they fail to adhere to my request both that have been written and certified through mail as well phone calls about the incorrect personal information that is on credit report in which the information is tied to identity theft. In ongoing attempts to get this information removed Experian has bluntly ignored my request and documentation. 
Per XXXX5 USC 1692 c 15 USC 1629 b 15 USC 1681c-2 I do not consent of the inaccurate information listed below. 
Name 's : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 's : ( XXXX ) XXXX XXXX XXXX XXXX, Ca XXXX Address ID # XXXX Address ID # XXXX, Address ID # XXXX ( XXXX ) XXXX XXXX  Ct XXXX, CA XXXX Address ID # XXXX ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX Address ID # XXXX Phone Numbers : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violations
Product: Credit reporting or other personal consumer reports

A XXXX XXXX at-fault Auto Insurance claim that did not involve me has been on my XXXX  Lexis Nexis Report since 2021. Claim number is XXXX for VIN XXXX. The vehicle associated with this incident has nothing to do with me and I have never even been in the state in which the accident occurred. I have never had a policy with this company and the last name associated with the claim is my maiden name which I have no used in a decade. I have reached out to both XXXX XXXX and Lexis Nexis to rectify this issue. This is extreme negligence on both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern : I have reached out to my credit card company ( Capital One ) to resolve an incorrect reporting to the credit reporting agencies. In XXXX, XXXX, and XXXX of 2017, there are 30 day late payments reported. I have submitted proof that the minimum payment amounts were drafted out of my bank account and credited to my account at Capital One, but they didn't respond to the Credit Reporting Agency ( XXXX XXXX ) and the dispute was completed without a change. I have also reached out to Capital One, mailed my proof and never heard a response. 
I feel frustrated and need your help
Product: Credit reporting

NEW INFO - XXXX LETTER DATED XXXX/XXXX/XXXX ATTACHED! FTC PLAIN LANGUAGE OF XXXX ( a ) ( XXXX ) DOES NOT MATCH WHAT FURNISHER IS REPORTING TO CRAs AS DOFD. Furnisher and Equifax continue to report obsolete account on credit file due to furnisher purposely re-aging the account DOFD. Equifax dispute confirmation numbers XXXX and XXXX. Furnisher has been re-aging DOFD for this account every 7 days on credit file since filing these disputes. Several links to FTC Opinion/Guidance included within, clearly confirm this is a violation of FCRA Sections 605 and 623. Unsecured Line Of Credit ( LOC ) with XXXX opened in XXXX, defaulted in XXXX. First delinquency commenced in XXXX ( See attached Statement ). 1 ) XXXX - Creditor restricted credit limit to XXXX ( as noted in XXXX statement ). This was " denial or revocation of credit '' 2 ) XXXX - Creditor terminated the promotional APR and increased the APR due to derogatory/delinquent status of the account ( as noted by in XXXX statement on invoice and last page of statement where Creditor provides explanation that promotional APRs will be terminated if a consumer defaults on the account ). This was " a change in the terms of an existing credit arrangement '' 3 ) XXXX - Creditor transferred the account to internal collections department and sent XXXX LETTER with specific language, " help resolve the delinquency '', " negative information will be reported on your credit '', and is signed by " XXXX '' ( attached ). 4 ) XXXX - Creditor closed account on XXXX/XXXX/XXXX as noted on attached credit file XXXX. Partial payments continued through XXXX, the account was never brought current. 5 ) XXXX - Creditor charged off the account and is attempting to use this date as DOFD as opposed to following FTC guidance to use the earlier DOFD as required by FCRA 623 ( a ) ( 5 ) - CHARGE OFF DATE IS IRRELEVANT, FURNISHER MUST USE XXXX AS DOFD PER FTC DOCUMENT ATTACHED ( 40 Years of FCRA FTC Comments with Interpretations ). Creditor delayed reporting the charge-off to the CRAs for 44 months post DOFD which is irrelevant ( exact language used by FTC ) per FTC guidance, the DOFD must remain unchanged and is the date when the account first became delinquent, NOT the date of the charge-off. XXXX Please comply with FCRA Sections 605 ( c ) and 623 ( a ) ( 5 ), failure to comply after receiving this FTC guidance and documentation is considered willful violation of the FCRA by continuing to report inaccurate information with knowledge of its inaccuracy. The Research & Remediation Analyst at XXXX who validated the DOFD inaccurately is XXXX XXXX at XXXX ext. XXXX. The FTC information attached demonstrates the creditor is inaccurately applying the FCRA Section XXXX as they continues to validate the DOFD is the month prior to charge-off while refusing to report the date noted in the XXXX letter from XXXX. Creditor is fully aware of the correct guidance and its application thereof as they had input on the FTC compliance as indicated in the footnotes of the XXXX FTC Report to Congress. Thank you in advance for FINALLY removing this trade-line from my credit file!
Product: Credit card

I booked a round-trip flight ticket from XXXX, Colorado to XXXX ( XXXX ) XXXX XXXX on XX/XX/23 to XX/XX/23 via XXXX. I booked the ticket and paid {$1500.00} on XX/XX/23. 

My flight at the time of booking had three legs each way. The return flight also had three legs. XXXX cancelled two of the six flights without informing me. 

I contacted XXXX from the airport and received no help. I had to purchase two tickets at the airport for a total of {$390.00}. 

Upon returning I contacted Chase bank who issued my credit card for a charge back of {$390.00} on XX/XX/23 including receipts for tickets I had to pay for twice. I was sent a letter denying my claim on XX/XX/23 as XXXX provided proof that I was on the flight. I sent clarification to Chase that I was on the flight because I purchased the tickets again at the airport on XX/XX/23. My claim was denied again on XX/XX/23 without any explanation. 

I am attaching the documentation I provided to CHASE with this complaint. Please refer to Page 5 for a detailed overview of my complaint. It includes a receipt from XXXX and receipts for the flights I had to purchase again at the airport. 

My credit card dispute number with Chase is XXXX. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns Dear Credit Reporting Agency, I am XXXX XXXX, and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need.

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood.

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request.

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts and inquires associated with my name. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Cash app has failed to provide a valid live agent when matters concerning fraud, system errors, fraud attempts have occured throughout my creation of my account since 2023.
Product: Debt collection

My deceased wife had opened several accounts in my name without my permission. I was unaware of these accounts until I applied for a home loan and saw them on my credit report. These accounts later turned into collections and caused my credit score to go down and now I can no longer qualify to purchase a home. 
The accounts were XXXX XXXX, XXXX XXXX, and 2 XXXX accounts ending in XXXX, and XXXX. I had already paid off 2 of those accounts and will provide a letter of proof that these accounts were paid. 
I have enclosed the FTC Fraud Alert for the 4 accounts, death certificate, Letter from XXXX XXXX, Bank statement showing XXXX XXXX being paid in full for {$380.00}, and XXXX XXXX  being paid for {$280.00}
Product: Checking or savings account

Several months ago, I complained to Wells Fargo bank ( online rep ) that I needed to stop the overdraft charges and asked what would be the best solution. I was told overdraft protection could be withdrawn, so that's what I did. But it did not stop the issue. I continued to get charged {$35.00} a pop. I again called customer service and was told that shutting off overdraft protection would not stop overdraft charges. In fact, nothing would. It was my responsibility to figure out where the charges were coming from and redirect those charges.I had no clue where to begin. I decided to close my account and, by doing so, notices from companies attempting and failing to put charges through would come to me directly, and I could then correct all of these issues directly with each company. I shut off my debit card at this time as well. Last week, I called customer service to request my account be closed. I was told there were pending charges and until these went through, I wouldn't be able to close the account. So I waited. During this wait period, I could not log into my account despite following all instructions. A customer service rep provided a temp password and I was able to get in. 
Also during this wait period, I should have received my social security check, but I can not verify this because once again, I can not access my account and today I again have overdraft charges. Today, I called customer service to get help logging in again. I tried at least 10 password combos with the rep holding on the phone. I was frustrated and getting angry. I told the rep this was ridiculous ( all of it - not just today ) and she said " Well I don't know what you expect me to do. If you can't reset your password, I can't help you. '' I told her " this isn't a me problem it's a you problem. '' To which she basically replied she could do nothing for me. Her tone was VERY rude. So I left work and went to my branch to try to get help in person. Lo and behold, they can only help me by appointment due to COVID. They had no open slots for today. Or for tomorrow. Or, in fact, for the next two weeks. I tried to explain the urgency of my circumstances, but they were unmoved. They directed me to their appointment app and I tried 5 other branches, all of whom were booked solid. Finally, I found a branch with an open time for XXXX XXXX  today. One of the employees said to me, " You'll find all banks are using appointments only now. '' To which I said, " Not true. I can walk into my XXXX XXXX anytime and talk to someone right away. '' Wells Fargo is a horrible bank with horrible customer service. I can't access my account, I can't close my account, I can't speak to anyone about it ... quite the mess. I will never do business with Wells Fargo again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was used without my permission. This was fraud committed by XXXX XXXX  XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is XXXX XXXX.