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

Call for help XXXX XXXX XXXX, I was starting a separation/divorce from my now ex wife. She, a former XXXX of Wells Fargo, had taken the role of managing our finances including all bank accounts. I, myself, have had an individual checking account with Wells Fargo since XXXX. On this XXXX day I went to the Wells Fargo branch in XXXX, Georgia to simply open a new account. As I walked into the branch, I stated to the lady at the teller desk that I would like to see the manager. Without my permission, the manager, prior to even speaking to me, sent a message to my ex wife telling her I was at the bank. The manager then came up to me asking why I was there. Immediately she says I can sign and the account will be placed back in my name only. Previous to this date, I was instructed that in order for my ex wife to be removed from my original account, now joint, both parties would have to be present. Embarrassed and feeling upset by this treatment, I signed the documents presented by the manager and left. I have complained to upper management, wrote emails, but I was treated as a joke. I am in financial ruin as I now can prove my ex wife, along with others have funneled money through mulitiple accounts over a span so far of two years. This has been made difficult to prove actually as Wells Fargo bank, since my first request in XXXX XXXX continues to deny me access to my own bank statements. I feel that Wells Fargo has assisted in my financial ruin. Why cant I find anyone to take just a extra few minutes to look closer? Why have I been shut out and denied my rights to my own information? Anyone can see that I am being discriminated against and not treated as a costumer of any bank should. I pray you can help. At this point, I dont know what else I personally can do. As I sit now just days away from loosing my XXXX parents home, I wonder when will someone take just a small amount of thier time to offer a helping hand in solving this matter. sincerly XXXX XXXX
Product: Credit card

XXXX Chase credit card Owner/ Flight Ticket abuse I'm sending this email because, the card is not providing us the benefit under the term of the Card and XXXX also taking advantage of other vulnerability. 

My mother was sick and hospitalized for XXXX XXXX and endure XXXX XXXX XXXX XXXX XXXX, but when felt better we ( my mother, husband, kids and I ) flew to XXXX but unfortunately my mother passed away early Monday, XX/XX/XXXX, 2 days prior to our scheduled return returned planned for XX/XX/XXXX and XXXX. 

It was a very hard time for us. But even during all of that, we took the necessary step to call the Chase card benefit which ensured us that we were eligible for a benefit of {$1500.00} per person up to a Max {$6000.00} Per card. Under that guidance, we adjusted our 5 tickets which resulted in an additional {$13000.00} between our two Chase credit cards. Buying a new ticket would have cost us {$7000.00} minus credit for unused flights but based on the guidance we received it was better to adjust as it would have been covered by our card travel protection. Today we are burden by this large amount that keep incurring a handful of about {$400.00} fees a month and neither XXXX XXXX nor XXXX Chase is taking ownership of this issue and this causing a lot of financial and emotional distress for our family.
Product: Credit card

Wells Fargo XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter in English and Spanish about your companys program, XXXX. As far as I understand, the condition which requires XXXX  means I have the account which I do not authorize the third party to use. However, as far as I remember, my accounts, which opened before the Pandemic were closed completely after official announcement of identity theft by your government organization in the United States. At least, I received a letter of confirmation of the closure of the account from Wells Fargo itself. Anyway, I do not have any means to check the bank activities, since the business email address, which was disappeared was unable to check at all, because the host of the business website, which connects to this email address, unable to solve the issue to recover my website and the issue has remained unsolved and I have never received any procedure with this host, XXXX, which used to be XXXX Small Business Website Host company. If you want to complain or wish me to find out how to check my closed bank accounts with Wells Fargo, please ask XXXX, to fix my website and then I will pay the host fee and make sure I will update all information regarding my business matters. Since I do not know the reason why I need to sign the document, which you have sent, I will not sign this letter to the XXXX  XXXX. 

And you stated that I have contacted Wells Fargo on XX/XX/XXXX of XXXX  ; however, I do not remember that I have contacted with your company regarding unauthorized account of your bank. I hope you will recheck this matter to clarify whether I have connected with your company for the unauthorized usage of your bank account, since I consider your bank must have some monitor system if I called. Or you must have kept the written document to clarify the matter. Or somebody else, who stole my identity might have contacted with your company. Then, you need to notify officially to the authority. 

Therefore, I will keep the English version without signing. And I will return the Spanish version, which I do not need at all due to unfamiliar language for me, and please never send me the documents in Spanish. Of course, this matter will be reported to Consumer Financial Protection Bureau. Also, I wish you will use the proper format letter pad, which has the logo color Red. 

Sincerely,
Product: Vehicle loan or lease

Lobel Financial Services in XXXX XXXX XXXX repossessed my car and I don't even have a loan with them. All day XXXX XX/XX/19 I told my story to 10 people and nobody listed, they kept saying call the car lot, call the car lot. Nobody took the time to help me and I was furious an highly upset of by the lack of customer service that I received, it was absouletly at nightmare dealing with Lobel Financial in XXXX XXXX. I purchased my car from a car lot known as XXXX XXXX, he advised me to call XXXX and ask for a TWIX report, they refused, called him back he told me to contact Lobel Finanical. Called Lobel In XXXX XXXX XXXX back, told him what was going on after speaking to the Branch Manager XXXX and pleading my case once again, he looked up the VIN and advised me that the car he had in system didn't belong to me or my Mother, who co-signed for me on my car. XXXX advised me that a company named XXXX XXXX XXXX financed the car using his company, the person made 5 payments and then stopped. XXXX never contacted XXXX XXXX XXXX at all, he advised me to do it. When I called XXXX XXXX to asked them they actually where very helpful, and said the VIN number was inserted wrong on the contract over 7 or 8 months ago. Called XXXX back, he asked for my current lender XXXX XXXX to fax in paper work showing we have a loan with them. XXXX XXXX did send over the documents around XXXX. I called XXXX back at XXXX and asked him what time do I go pick up the car, he advised me that he sent the faxed documents over to corporate, and only sent an email. XXXX was supposed to call and get someone on the phone, however he admitted that he only emailed and faxed paperwork. XXXX advised me that he would contact cooperate and stay until the issues is resolved. I advised XXXX to have urgency, my Mom is XXXX years old, bad eyes, and she was sick. From my house the Tow Yard was 40 minute away that I needed to get to work and church. XXXX stated that he was not going home until I get my car back. XXXX never called me back, and he had my cell phone Friday night as he promised. About and hour later the owner of XXXX XXXX who I financed my car with said that Lobel financial broke the law when the repossessed my car with out a title. I dont ' want this to happen to anyone else and I'm filing the complaint on them for that reason.
Product: Debt collection

A company named XXXX contacted me they told me that they are a collection agency who behalf XXXXXXXX company. I call them we agreed to pay {$92.00} then they will remove the inquiry on my credit report. I did pay {$92.00} on XX/XX/2018, and still, the inquiry is on my credit report. any time I talk them they say we will remove next week. I am tired calling them because anytime I call them they put me on hold about 45 minutes. please help me to solve this issue. 

Sincerely,
Product: Credit reporting 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 USC 1681. Smart sales and lease Account # ending in XXXXXXXX XXXX XXXXr acct # XXXX opened XX/XX/XXXX XXXX  # XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # ending in XXXX opened XX/XX/XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX XXXX account # ending in XXXX opened XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 any other adverse items 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: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX - partial account number XXXX. XXXX  and Transunion are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports 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
Product: Credit reporting

I hired a contractor to install gutters, but he never showed up. The contractor secured an 18 month interest free loan w/ XXXX XXXX XXXX , & told me to send in monthly payments. He said this way I could try to beat the high interest charge rate at the end of the 18 month period. So when I received my 1st invoice, I sent XXXX a payment of {$50.00}. The contractor had said he was on a big job and it would take several weeks to start my job. That was on XXXX XXXX, 2016. In XXXX, when I stated calling the contractor, he never returned any of my phone calls. When I contacted XXXX XXXX, they were also unable to reach him. XXXX had also called me to confim how the job was going on several occassions and I told them the contractor had not started it yet. Then I noticed my Credit report had a charge on it of {$600.00}. When I called XXXX to complain. They said that they already paid the contractor, even though I kept telling them he did not show up or do any work. I believe this is a fradulant charge and would like it removed from my credit file.
Product: Checking or savings account

We have consistently been charged {$36.00} per item even when an overdraft was only {$6.00}. In fact, I just cured a {$300.00} overdraft, of which, {$200.00} were bank fees. We can hardly use the account for fear of incurring excessive fees, even when funds are pending or deposited within the hour. I have appealed for help multiple times from this bank, to no avail. We are a non profit organization and have paid hundreds in bank fees. Even if we deposit a donation check that is returned they charge us.
Product: Credit card or prepaid card

A false charge appeared on my card. Citi denied my claim, but did not follow the requirements of the Fair Credit Billing Act in doing so. 

The Fair Credit Billing Act requires : 1. That Citi " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Citt 2. The act also requires Citi to provide me with evidence. Despite my written request, this was not done 3. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. 

I wrote to Citi about this on XX/XX/XXXX ( letter attached ) but my letter was ignored
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

My complaint is w Citi-mortgage, they are reporting me as a derog, on all XXXX of my credit reports. ( XXXX, XXXX, XXXX ). I filed a Chapter XXXX, and was discharged XX/XX/2011. They are reporting a credit history, Acct # ending in XXXX. I am trying to buy another home and this reporting is not allowing my fresh start. I have paid the price for my bankruptcy. This needs to be deleted as its not reporting correctly. They also sold my loan. I have no contract w them. I have already been denied credit, this is now slander with damages. I have already suffered damages from them.They can not report a history or what payments were. They could only report included in bk and was discharged nothing more. Therefore its in-accurate demand a deletion immediately. I demand a corrected report be sent to me with the updates. My reporting appears as a foreclosure. I am still paying on my home but with a different mortgage company and I 've never been late.
Product: Checking or savings account

I deposited an Insurance check into my XXXX XXXX account and it cleared with XXXX, but when the check was sent to Wellsfargo it was denied and the funds were taken out of my account. Wells Fargo denied the checks because of an endorsement issue. I had initially attempted to deposit the checks on XXXX mobile deposit but I was over my deposit limit for the month. The app instructed me to place mobile deposit only on the back of the check so of course, I did. When the checks couldn't be deposited by mobile deposit I went to the ATM and the checks were accepted. Three days later the funds were taken out of my account and XXXX charged me a {$25.00} return fee. The amount of the money returned was {$6800.00}. I now have to ask the insurance company to reissue the checks and to this day they have not. This incident occurred on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Please see an email describing everything. This took almost a year for them to do a " Fraud '' investigation when had nothing to do with Fraud and all to do with saying a XXXX ACH was reversed when XXXX never reversed anything, and then it shows like ( 2 ) others for XXXX reversed and ( 1 ) for XXXX reversed and they never sent back any of these 4 transfers and they will not respond nothing. I beg for help ; it has been too long, and I have personal issues I need this for and they have not paid interest nor even returned money along with damages. They are all over the place ; no phone number, nothing and they send me correspondence on issues that have nothing to do with my investigation which again has ended but never credit my account back. I can send the bank statements. IT originally started over them freezing my account because they said XXXX reversed XXXX which they didn't as I had XXXX available and then they said they reversed 3 others mentioned above. I withdrawal {$7900.00} which was items I sold but they still owe me this XXXX +/-. I can be reached at XXXX. I pray for your help. I can provide anything. I told them many times I was going to leave a complaint and they could care less. 

Hi XXXX, thanks for the email. As explained and uploaded already on your site these items, you must have the wrong guy on this because this was initiated over a XXXX XXXX Robinhood mentioned my bank reversed. They clearly never reversed it which I took Robinhoods word for it and I shut my accout down losing a huge partner relationship which will hurt me financially very bad over nothing they did wrong. rather it was one XXXX ACH to Robinhood and they have it down as being reversed but from the statement I sent covering way more than that period to reflect many months after still no money from Robinhood was reversed including the other XXXX or 4 XXXX 's for XXXX and XXXX. So my account has been shut down as if I did something wrong I didn't do nor did my parties/parties on my side, clearly there is no reversal and at this point it is really just making XXXX tied up of mine which I will need to retrieve back from Robinhood immediately and my attorney advised the first and the last item that should be done is a 3 way call with XXXX. Please look at my statements and no reverses ever took place. Please look at the statement one last time and tell me how I am in the wrong position and what gives XXXX the right to treat my account as if I has a negative balance causing a reversal which we see in this account there was still a little amount after of XXXX plus after that transaction. 

Please have someone call me so they can also call XXXX and get this handled as it's not right to hold my money hostage for a mistake that I first thought was true only basing it off Robinhoods info but after closing my account primarily because I was so mad that I thought they put me in this position however their right and the money never got sent back but needs to be. 

My information is below and look forward to a call tomorrow. Thanks for the response. 

XXXX
Product: Payday loan, title loan, or personal loan

I had a payment due in the beginning of XX/XX/XXXX to XXXX XXXX XXXX   and reached out to employee XXXX at the XXXX XXXX location to explain I was going through a financial hardship due to a death in the family and sick elderly parent and said I needed to make other payment arrangements and would pay at a later date. I also revoked ACH/Debit authorization from my bank account. She told me she notated my account and then they still debited my account on XX/XX/XXXX and caused me an overdraft fee. I then spoke to district manager, Mr. XXXX and he said he would refund the fee from my next payment. I have not been able to pay yet and they again debited my account on XX/XX/XXXX without my authorization. I need this money refunded as they are continuing to debit my account without authorization.
Product: Debt collection

XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX NOTICE REQUEST FOR XXXX RE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation. 
Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date XX/XX/XXXX. 
Once verified please send a copy of my credit file. 
Respectfully, XXXX XXXX