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

On XX/XX/XXXX we closed this account, as Wells Fargo had advised us that they would no longer maintain our account due to our main residence being in the XXXX. 

On XX/XX/XXXX, Wells Fargo advised it was returning {$680.00} to us because of a Bill Pay check that had never been presented, but which had already been debited from our Wells Fargo account early in XX/XX/XXXX. 

As our account had already been closed, we made an appointment and physically visited our nearest Wells Fargo branch ( XXXX ) on XX/XX/XXXX in order to collect the {$680.00}. 

We were told that the branch could not write us a check, because a check had already been raised and posted to our address in the XXXX. 

As we were not returning home ( to the XXXX ) for another three weeks, we asked them to cancel the posted check and write us one on the spot, so that we could quickly access the {$680.00}. 

They refused to do this and insisted we had to wait until we returned to the XXXX and we would have to pay the check into our new US bank account from there. We protested this as we felt the matter should have been fully resolved while we were physically present in the bank and the issue was raised to the Branch Manager. Our request was rejected. 

We asked what would happen if we returned home and there was no check, but no answer was given and we had to leave without our {$680.00}. 

To recap, there has never been any dispute that Wells Fargo has been holding {$680.00} of our money since early in XXXX, but it flat refused to refund it to us when we presented ourselves to their local branch on XX/XX/XXXX. We were already well known there as we had visited many times during the preceding six weeks, because Wells Fargo had forced us to close our account with them due to a " change in the bank 's policy ''. 

When we returned home, there was no check from Wells Fargo waiting for us. 

On XX/XX/XXXX, I emailed our contact at the branch explaining we had received no check and asking for Wells Fargo now to agree to wire the {$680.00} directly to our new bank account. 

All that has happened since then is that the branch has escalated the issue once more to its " XXXX '' Wells Fargo has had {$680.00} of our money since early XX/XX/XXXX, but still, on XX/XX/XXXX, has not even confirmed its willingness simply to make a wire transfer of {$680.00} back to us. 

We have been sending frequent secure messages to the " XXXX '' for about six weeks now and advised them of our new account details on XXXX XXXX so they could easily wire us the {$680.00}. 

Their ONLY response has been to regret the delay, but they have given us no idea as to when we will receive what is owed to us. 

Wells Fargo 's incompetence and lack of any professional response since XX/XX/XXXX is incredible and we want our {$680.00} back immediately, preferably with compensation for the extended delay.
Product: Debt collection

I have sent validation of debt letters to I.C. Systems, INC regarding a debt collection on my credit report for the amount {$380.00} that was opened on XX/XX/2022 and company has not provided proof of debt but keep adding it to my credit report.
Product: Credit card or prepaid card

In XXXX I made a payment on my XXXX XXXX card, which is issued by Comenity Bank. It was a {$60.00} payment, the store never applied it to the balance and I began having late fees accrue. I told the company I had the receipt and tried on multiple occasions to prove that I had made the payment. I also made it clear that I would not give more money until the company showed that the money I had already paid was applied to the account and late fees removed. I have had conflicting information from different offices within the bank. One woman told me the account was closed and has a zero balance, another said she removed the late fees, and another said they arent able to remove late fees.
Product: Checking or savings account

I opened a new account for my business with Chase Bank. A month later, on XXXX XXXX XXXX weekend, I became victim to a XXXX XXXX  scam. I was called and told my account was past due and my electric would be turned off. I was instructed to go to XXXX XXXX, who does accept bill payments and pay the past due and deposit amount since it was a holiday weekend or my electric would be shut off all weekend. The scammers sent me a code and I went and payed in four transactions totally XXXX. A month later XXXX XXXX  informed me that it was a scam and no payment went to them. I reported this to XXXX XXXX as well, the XXXX  and cyber crimes. I kept the text with barcodes and receipts. I reported this matter to Chase Bank as it was my business account. Chase denied my claim twice stating that because it was an in person transaction it isn't fraud. Despite it being in person, it was a financial scam behind it. Chase refused to refund me, stated it was my fault for being manipulated and even tried to throw an old claim where I questioned a vendor payment on my statement. Worst bank ever. No protection for business accounts and horrible customer service blaming an innocent victim to a scam. They still refuse to refund my money yet I receive emails everyday saying how they're there to help with scams. False. They are not. Closing my accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a auto through XXXX on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XX/XX/XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XX/XX/XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' XXXX has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.
Product: Credit reporting

I contacted XXXX XXXX XXXX XXXX and they agreed to have both account removed from my Experian Credit Report. I fax the XXXX page letters to Experian onXX/XX/2016 at XXXX. I reached out to one of the Representatives from Experian and she assured me that this will be taken care of within 3 business days. I checked my Experian report today and these accounts are still remain on the report.
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX XXXX XXXX  terminated their relationship with XXXX XXXX XXXX. I held two credit cards via XXXX XXXX and did all my business on these cards. Without notice the cards were canceled and ALL balances and records identifiable with the cards were transferred to Comenity Bank. On XX/XX/XXXX, after having my XXXX cards denied at a doctors office, I returned home and found I had received the Comenity cards in the mail. As directed, I activated the Comenity cards on XX/XX/XXXX, and registered the cards for online banking. The online bank accounts are not/have not worked. Repeated calls to Comenity result in the same response-our technical team is working on the issue. In the meantime there is no way to review statements, make payments or claim rewards. I paid off my balance immediately via the phone and have no intentions of using the cards in the future. I however can not cancel the cards as Comenity is holding my financial records. I have no idea where my balance for cash rewards stands, I have no way to review balances for suspicious activity ext, and I have yet to receive a paper bill. I am one of hundreds perhaps thousands with these complaints.
Product: Credit reporting or other personal consumer reports

XXXX is NOT MY ACCOUNT, CARD! I have disputed I do not know who this company is, no do I know what a flex spending account is, in XXXX  the only debt I had was XXXX XXXX loans so this isnt mine! Ive recently disputed and instead of deleting this wrong information the update the account ruining my credit even more and marking it a CHARGE OFF DEBT! If this isnt immediately resolved I am reporting to the identy theft website, report to the XXXX, and file suit! 


And looking at the information you are inaccurately reporting anyway, multiple violations pertaining to how this is reporting besides the fact I have no knowledge of this account According to 15 USC 1681eb A Furnisher is required to report maximum accuracy on the consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM.

So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some inaccurate accounts on my credit report, and Im utterly lost as to how they got there. I check my report often, and everything was fine until now. I even thought it might be a browser issue and refreshed the page, but that didnt help. The accounts stayed there. Please, Im pleading for you to carefully verify the documents Ive sent so I can finally have peace of mind.
Product: Credit card or prepaid card

I am writing to report that Citibank has failed to return a credit balance in my Citibank Visa XXXX ending in XXXX in the amount of {$54000.00} as a result of an overpayment I made on XXXX due to a decimal point error. I reported the overpayment to Citibank on XX/XX/2022 and a three-way phone call with XXXX XXXX XXXX confirmed the transaction and the overpayment from my checking account on the same day. I have since made daily follow-up phone calls to Citibank for an update of my request but to no avail. I had a scheduled telephone appointment with XXXX XXXX no last name given ), XXXX of the customer service managers, at XXXX on XX/XX/2022 but I did not receive a phone call. 

Pursuant to Customer Financial Protection Law, 12 CFR Part 1026.11 ( a ) ( 2 ), when a credit balance in excess {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. 

CitibankXXXX  delay in refunding my overpayment has caused a tremendous financial burden to me requiring me to take out a loan to maintain cash flow.
Product: Mortgage

I am not sure if my last request went through.I have been trying to get a loan modification from XXXX, Nationstar and now MR.Cooper. 
Was approved for a loan modification with XXXX but before I was granted a trial modification I was transferred to Nationstar. My hardship is a divorce after XXXX years of marriage.I have been trying to get a loan modification and I have tried at least 5 times. 
I have been at my job for over 25 years and I want to be able to stay in my home that my XXXX children live in and myself. 
My latest modification request came back as denied for '' Insufficient Monthly Payment Reduction. " -And I was told there are no other options for a loan modification.
Product: Vehicle loan or lease

my last loan payment To Kia Finance was made twice due to automatic payment withdrawals, They refuse to refund the remaining amount since XX/XX/2020 2020
Product: Credit card or prepaid card

Purchased flooring from XXXX 's XXXX on XX/XX/XXXX via Synchrony XXXX Credit Card. Noticed that there were issues with the flooring after install and I contacted XXXXXXXX XXXX directly to resolve. They asked me to wait 90 days to see if it would resolve on it's own and it did not. After attempting to contact XXXX 's again to no avail, I reached out to Synchrony to file a dispute. On XX/XX/XXXX I filed a dispute in the amount of {$6000.00}. This dispute was entered by Synchrony as {$600.00} instead. XXXX 's did not respond to this dispute and on XX/XX/XXXX I received a credit of {$600.00}. I called Synchrony to inform them that the dispute credit was for the incorrect amount and on XX/XX/XXXX a new dispute was filed for {$6000.00} with a required response date of XX/XX/XXXX. XXXX 's failed to respond during this timeframe and then on XX/XX/XXXX, XXXX 's was sent another notification and was given until XX/XX/XXXX to respond. On XX/XX/XXXX XXXX XXXX responded to say that they were unaware of any problems. This statement from them was not truthful as I personally went into the store to meet with XXXX on XX/XX/XXXX and showed her a video of the sounds my floor was making. At this time, she stated that she was going to have her manager contact me. I waited 1 week and called XXXX back and spoke to XXXX who stated she was with a customer and once done, she would call me back- which never happened. On XX/XX/XXXX I filed a dispute thinking this would get their attention. However, because Synchrony filed the initial dispute for the wrong amount, I was forced to file a second dispute and reopen the case. I feel like Synchrony never did anything to work with me as they only seem to have cared about XXXX 's side of the story and sided with them in the dispute even though you can clearly see that Synchrony failed by filing the dispute for the incorrect amount and XXXX 's lack of, or slow, responses.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days 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. 


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 XXXX
Product: Debt collection

My name is XXXX XXXX. My credit score drop with Trans Union XXXX points and it dropped with XXXX XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But XXXX and Trans Union allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes anxiety. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

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. 

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is inaccurate.

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.
Product: Credit reporting or other personal consumer reports

XXXX ) XX/XX/XXXX : Letter was sent to XXXX requesting a Goodwill Removal due to XXXX XXXX. This account was a joint account with my XXXX. I sent in police reports and everything. It was a small amount past due of {$580.00} of which he paid off in XXXX. I received NO RESPONSE. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX with return receipt- to XXXX disputing the information listed under the collection account " Fair Collections and Out XXXX ''. They were reporting the account as an OPEN ACCOUNT with a TERM of 1 month. They were reporting the balance as " not reported '' which makes NO sense. 

XXXX ) XX/XX/XXXX : XXXX responded verifiying it as accurate. Continued to report the paid collection with a 1 month term and OPEN. 

XXXX ) XX/XX/XXXX : Sent a letter to to Fair Collections and Outsourcing via certified mail return receipt. Asking for them to VERIFY ( not validate ) my account and requested copies of the documentation that was sent to the Credit Reporing Agencies. The letter was indeed received by someone in the company. I never heard back or received any such documentation from Fair Collections and Outsourcing. FAIR COLLECTIONS AND OUTSOURCING HAVE YET TO RESPOND. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to XXXX. I let them know that I contacted the furnisher directly and after almost two months that no doumentation from the furnisher was sent to me. I sent them a copy of the letter that was sent to the furnisher as well. I asked XXXX how were they able to verify the accuracy of this dispute if the furnisher couldn't provide documentation? I requested them to remove the item from my report as it is unverified at this point. 

XXXX ) XX/XX/XXXX : XXXX responded with a ridiculous email stating they believed that they received a dispute request from XXXX OTHER THAN ME! Even though my request was sent WITH a photo ID and copy of my SS card. 

Copies of everything are attached.
Product: Debt collection

I received phone calls about an outstanding debt form this company. XXXX XXXX XXXX. The same rep. continuously calls my work phone number which I informed them from the beginning they can not call. I can not receive calls on this line. I made two payments to this collector and asked NUMEROUS times for a written letter to my home which i have not gotten. They sent me an email with a XXXX  address and the company XXXX  XXXX who's processing the payments is not XXXX  accredited. I told them without a written letter to my home i will no longer make payments. I have emailed them 3x asking them to stop calling my work number and they are still doing this. The number that's calling me is XXXX. The gentleman is very rude and threatening.