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

Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo charged me thirty one ( 31 ) overdraft fees, each costing {$35.00}. All of these were for transactions involving a debit card. There were no checks ever written against the account. 

I spoke with Wells Fargo multiple times about this, manually changing my account settings so that instead of paying a charge, the transaction was instead declined. During the Covid outbreak, if something like this happened, I would call Wells Fargo and they would reverse it. Moreover, they would decline charges made by the debit card when enough funds were not in the account. This " flexibility '' on their part was because they were obligated to do so due to the pandemic. However, the moment they were no longer obligated to offer compassionate fee waivers, my account settings reverted back to giving the bank " discretion whether to pay a charge when sufficient funds were not available ''. I never asked them to change the settings to pay transactions that would result in an overdraft charge. In 18 of the 31 transactions, the underlying charge was less than {$20.00}, and in 6 cases, the charge was for less than {$10.00}. Essentially, charging me a 300 % overdraft fee. When I contacted them recently, explaining that I had been XXXX  with a XXXX XXXX, and informing them that I had XXXX XXXX on XX/XX/XXXX to remove the XXXX, I was treated as if I was telling them a lie and the rep was incredibly rude to me. 

I explained to the rep that I was under strict orders from my doctor to avoid any stressful interactions at all costs, because it would likely trigger a XXXX. Even after explaining this detail, the Wells Fargo rep responded with something extremely rude and then stated " we can not waive any more fees, perhaps you should get a job ''. I can not believe someone would say something like this after learning I was recovering from XXXX XXXX and as a result I was on XXXX leave until XX/XX/XXXX. I literally ended the call with my hands and body shaking and practically in tears.
Product: Payday loan, title loan, or personal loan

updated complaint CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Depository XXXX AMERICAN EXPRESS NATIONAL BANK it is public law that the XXXX XXXX XXXX it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. An agreement was put in place as a result of undue influence, the application process would not let me move forward with the application unless I agreed and left me no other options to move the process forward. i am sure that would not have in my reasonable mind agreed to the terms they presented to me. This was an extension of credit and if I had known that i would have discriminated against with this Company like this i would have taken my credit sale to to more truth worthy bank. Someone breached their fiduciary duty because my right to opt out was either altered or not included when i was influenced to complete the application process which would leave American Express unjustly enriched by the " terms ''. I wasn't given full disclosure that I had the Option to opt of having my non pubic personal information shared with any third parties. Us young people today have a reliance on the terms and agreements provided to us by the financial institutions, and these practices have left me in extreme emotional and financial turmoil. American Express has been in Business long before I was born and today could not possibly expect me or any other young person us to understand the legal jargon in terms and agreement. It is should be written in plain langue according the Plain Language Act so that any reasonable consumer could and should understand what is being presented to them. as I could not understand the great number of pages that was presented to me in simple terms. Who authorized this method of extending credit and costs thereof in American Expresses company. I did notice that if i were to have the account opened under their current policies have been underwritten on the basis to make repayment to the balance. Is this an attempt finance an Extortionate extension of credit because it looks a lot like XXXX XXXX. American express needs to ensure thats its company has a process to take prompt corrective action if the decision-making processes it uses produce deficiencies or discriminatory results.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX FINC XXXX Balance : {$1200.00XXXX XXXX XXXX  XXXX Balance : {$240.00} AFFIRM XXXX XXXX XXXX : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX HI XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Every statement includes the incorrect due by date. The past due balance far exceeds the days delinquent. The past due balance is inconsistent on every statement when the monthly payment is fixed but no payment amount is applied for late fees or misc. fees. One month was missed on the auto loan and Santander claims the account is then 71 days delinquent. A payment well exceeding the minimum amount, {$1000.00} and prior to the due date, and santander fails to update the days delinquent and it remains at 71 days with the past due amount only decreasing XXXX dollars. The next month, another substantial payment of XXXX dollars is made and santander changes the days delinquent by one day ( 70 days ) and the past due amount only decreases {$470.00} dollars. Santander claims the account is now 101 days delinquent and the vehicle was repossessed on XXXX. The loan payment is not due until the XXXX of the month. The account has not gone XXXX months without payment. The paper trail has been nothing but inconsistent. A total of XXXX dollars has been paid within 2 months. This vehicle should not have been repossessed, Santander has failed to correctly update their information.
Product: Checking or savings account

this is an update to my complaint # from XX/XX/XXXX XXXX I have located the second money order receipt # XXXX. The receipt for the first money order # XXXX was sent on XX/XX/XXXX. Please add this to the complaint and I have added it to this complaint from XX/XX/XXXX. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXX I was going to a XXXX branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( XXXX XXXX XXXX XXXX ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a XXXX ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/XXXX. I got a phone call the next AM ( XX/XX/XXXX, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX x2 and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately. 

ATTACHMENTS XXXX XXXX receipts.pdf ( XXXX KB ) XXXX XXXX receipts.pdf ( XXXX KB ) XX/XX/XXXX
Product: Debt collection

I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.
Product: Credit reporting or other personal consumer reports

There are XXXX hard credit hits on my report. One is from XXXX XXXX ( XXXX ) XX/XX/XXXX. Another is ONEMAIN ( XXXX ) XX/XX/XXXX. 

I reported these as fraudulent and they said they could not do anything about it. After getting more information from both of the companies, they informed me that my estranged wife attempted to use my credit to gain loans through these companies. She did the XXXX XXXX via online and the ONEMAIN via XXXX XXXX online. 

I informed both that I did not authorize these credit checks and want them removed from my credit but they both told me that they can not do anything to help with that as I would have to report it to the agencies myself. 

I do not know how to go about having these removed. They have made it impossible for me to get loans as well as refinance my vehicle. I did not authorize my wife to use my credit and she did it after we split from each other. 

What can be done to help me with this issue. I don't even care if she has to be brought up on fraud charges. I don't deserve to have my credit screwed up because she is screwing up her life. Any help will be appreciated. 

I have attached a copy of my basic report on which you can see XXXX hard checks which includes the XXXX I mentioned that I never authorized.
Product: Credit card

Elan XXXX XXXX XXXX XXXX XXXX XXXX is a scam. They piggyback on a real Elan card and offer a 0 % rate for a certain amount of time and then move you from transfer to purchase and start charging exorbitant rates, bogus fees, trying to double your payment every month. 

I have to print out several years of bank statements, etc.
Product: Checking or savings account

Wells Fargo seems to be manipulating pending charges so that the smaller charges hit my account following a larger charge ( they'll let you charge your account up to around negative XXXX dollars if need be, and I am always sure to charge the smaller charges to my account before the larger charges if I know I won't have enough to cover it, so as to avoid excess over draft fees ; Wells Fargo will charge up to XXXX in a day ) so that they can charge the max amount of overdraft fees. Sometimes XXXX fee is worth the ability to survive, but XXXX XXXX XXXX fees can be detrimental to a lower income person like myself. When I've called to complain about this in the past, they've reversed several fees, but have refused to reverse anymore since, when I've called with the same complaints. Over the years, having been a poor person living paycheck to paycheck in an increasingly more expensive environment, I'm sure I've paid thousands in overdraft fees. It feels like robbery.
Product: Credit card

I recently discovered that [ Credit Card Issuers Name ] closed my account without providing prior notice, which I understand is a violation of the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ). According to the law, a credit card issuer is required to notify cardholders before closing an account, unless the closure was due to non-payment or other specific violations. 
To date, I have not received any communication from the issuer regarding the closure of my account, which I believe to be an unlawful action on their part. 
I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2018 I initiated a XXXX transfer for {$240.00} to XXXX XXXX Ref # XXXX. Her phone number was XXXX and email XXXX. She was to send me an XXXX XXXX XXXX that she was selling on the website XXXX. She told me she would save me {$20.00} if I bought direct from her which unfortunately I did go direct with her. I contacted my bank Wells Fargo as soon as I realized I got scammed as she refused to answer my calls, texts or emails. They gave me a claim number of XXXX and a Reference number XXXX and after waiting 10 days told me to continue to try and contact this person that there was nothing they could do for me and closed my claim. I find it hard to believe that there is no way for the bank to track this person down. And harder to believe that the bank offers such a service of money transfer and does not offer me the consumer any protection at all.
Product: Credit reporting or other personal consumer reports

My account with these following companies were 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 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.

These companies 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

On XX/XX/2022 I have requested that Experian conduct an investigation on two tradelines XXXX and XXXX that are fraudulent in nature and reporting on my credit report and XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX I also requested on that same letter that my XXXX XXXX accounts be updated as current as well as the XXXX XXXX account be updated as current because these accounts where never late. I also tried to file a claim with XXXX XXXX XXXX XXXX  that I pay for and that they are not assisting me in receiving the claim. They have violated the law in not updating my reporting and I am asking that they notified of their violation as I have reached out several times with no results and have not since requesting the investigation on XX/XX/2022 received any updates as of XXXX so I submitted a demand to comply on XXXX and I have included the letter in with my complaint. Thank you for helping me to regain accuracy in my credit reporting.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

PLEASE BE ADVISED, IVE BEEN A VICTIM OF IDENTITY THEFT. ABILITY RECOVERY SERVICE HAS CALLED MY PHONE MULTIPLE OVER THE LAST MONTH.. DURNING THOSE PHONE CALLS IDISPUTED THE DEBT THEY SAYI OWE. I TOLD THEM I LIVE IN XXXX AND THAT BILL WASN'T MINE. I ASKED THEM TO SEND THE INFORMATION TO THE ADDRESS ON FILE BEING THAT THIS ISN'T MY BILL. NOTHING WAS EVER SENT TO ME. FCRA REQURES 5A 5 DAY NOTICE WHICH I DIDNT RECEIVE. I JUST SEEN THE FRAUDLENT ACCOUT ON MY CREDIT REPORT AND IT NEEDS TO BE REMOVED.
Product: Checking or savings account

Back in XX/XX/2020, I called Citi to downgrade my account. But appearantly they failed to do so. And after the downgrade call, I withdrew the money I need and left the acount as is since the remaining balance will meet the requirement to waive the monthly fee. But due to the failure of downgrade, my checking account keeps been charged monthly service fee since XXXX 2020 till today. I have contacted the bank online and via phone to request the refund of those service fees. {$25.00} per month XXXX And they are not willing to refund all of the fees they charged.
Product: Checking or savings account

I closed my account cause of missing payment money out of my account and fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This company is re-aging the account as the LAST DATE OF ACTIVITY CHANGES and DIFFERENT ON THE EXPERIAN AND XXXX. Also, they never provided proof of notice... Therefore, please delete this account. 

I have attached a picture for proof.
Product: Debt collection

The XXXX XXXX is a debit collector being used to harass past customers of XXXX XXXX and LVNV Funding LLC. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency XXXX is now texting me and emailing me for no reason. I have informed XXXX I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX receipt has been provided to them numerous times and this is getting ridiculous.
Product: Debt collection

I received a phone call at XXXXXXXX XXXX XXXX. I responded, forty minutes later. I inquired, what the company did and they refused to provide any information until I confirmed that I was the person they were reaching out to. I asked for an email address to correspond with them, because I was concerned that it might be a scam, and did not want to provide any personal information to a random number that was calling. They refused to give me an email address or confirm what they did. I had to look up online, what the company does, what their function and role are, and then I had to look up the consumer finance department. To file a complaint. They were less than helpful and hung up on me four separate times. I was just asking for information about what the company did, and i even told them I had just had XXXX that day and needed an email address to correspond with them, because I was unfit to talk on the phone, and they refused until I would admit I was or wasn't the party that they called in the first place.
Product: Checking or savings account

XXXX. XXXX. XXXX to be paid by XXXX. XXXX. XXXX : money to be transferred to an external account for one dollar. company states they will notify me if transaction is not made : I recieved no notification. Fraud department placed hold dt suspicious amount. refused to lift the hold. Requested I pay the full amount, although I have not transferred to the external account before. I refused the full amount. requested minimum. No value would be provided to me. Fraud person agreed to XXXX dollars. New transaction dates XXXX. XXXX. XXXX to be withdrawn by XXXX. XXXX no notification again, follow up again and the amount hold again. The bank is putting a barrier to me using my money. I have sufficient funds. 
I have asked a manager to call me. The staff have refused and will not provide a number. I have given up and notified that I am filing a complaint. Someone at that bank appears to have a bias and causing trouble for me. each call in takes atleast 42 minutes : I have the dates as follows : XX/XX/23, XXXX. I have called my local bank branch and they defer to the 1800 number stating they do not have time. I want my account investigated. I have banked with us bank atleast 20 years. I will leave as soon as one of my checks that was misappropriated is returned to me ( a payable check was deposited to the wrong account, that is why i was attempting to establish a transfer to account, service that is provided by this bank ... is not being preformed with no reason other than it is not enough money, but will not provide me with an amount that is enough ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain XXXX  is an app, they recently changed their business model but previously they would take a {$150.00} security deposit and people could withdraw from it and then make payments, which are reported to credit bureaus. A few months ago they changed to an actual line of credit and required all existing users to complete a lengthy electronic identity verification, which I failed so they closed my account and demanded payoff, which I provided immediately. Last I heard from them they told me they had a problem when they tried to refund my security deposit and the issue was being escalated. I havent heard from them since and they ignore all my messages.