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

My checking account with Wells Fargo was debited {$410.00} on XX/XX/XXXX. I contacted Wells Fargo to issue a credit because the automatic payment method was cancelled with the merchant and I chose to pay the merchant directly for the services. Wells Fargo issued a claim for the amount and provided a provisional credit while the matter was being investigated by their claims team. The provisional credit was later reversed on XX/XX/XXXX which caused the checking account to fall into a negative balance. The bank issued additional fees for insufficient funds which were directly related to the credit reversal. I contacted Wells Fargo to inquire about the reversal and the banker informed me that the reversal was justified because documentation was not provided within 48 hours of the request. The banker had no inform about Wells Fargos and the attempts to contact me in a method other than US Mail due to the urgency of the matter. On XX/XX/XXXX, I submitted a written complaint with Wells Fargo and then contacting the merchant myself, we were able to provide written documentation of the cancellation that took place with the merchant on XX/XX/XXXX. Since then, Wells Fargo has not issued the credit of {$410.00} or the unjustified associated banking fees. After many attempts to resolve the matter amicably, Wells Fargo has displayed a non-responsive and irresponsible approach to a small error. This circumstance is now causing emotional and financial distress as my relationship with the financial institution no longer holds value or integrity for its consumer.
Product: Mortgage

In 30 yrs of having various mortgages and loans, I have NEVER dealt with a more incompetent and inept financial institution. It amazes me that we 're supposed to entrust these XXXX with money. 
Problem started when my loan was sold to them from another mortgage servicer. Lakeview Loan Servicing took over as the servicer of the loan and promptly started charging me an impound fee for insurance despite the fact that they were provided the insurance information for the property. After dealing with this in MULTIPLE phone calls and finally getting the impound cancelled, my next statement showed a late mortgage payment. This was untrue as well and I have records of every pmt made on time. Six months later and after multiple phone calls with CS agents, the late payment and service charge are still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get the West Lake Financial Services to remove all the information they are reporting to XXXX  regarding a wrong information since XX/XX/XXXX without any response. I sent several certified letters to them and have not get any answers. I disputed it thought XXXX  and the answer that i got was that West Lake never provide any info and they cant do anything until West Lake provide that info. 
I am hopeless this will never get fix because the credit department never replay the email and phone calls that I've made. 
This is the company info : West Lake Financial Services Account XXXX Date XXXX StatusOpen. 


They are reporting this to my credit but i dont have an account with them. 
My SS # last four is : XXXX XXXX XX/XX/XXXX. 

Please i need them to take this off my credit report, i am in process of purchase a home and it is making difficult to get approved. 

Thanks, XXXX XXXX
Product: Checking or savings account

Account was charged in error for XXXX purchases that I did not authorize. Merchandise was returned but can't receive a refund because the card used was closed due to me disputing the charges. Truist closed my investigation based on my " habits '' of shopping on XXXX. I noted to them if they checked my checking account my XXXX purchases would be max of {$20.00}, I was charged with 6 transactions totaling more than {$350.00}. My money can't be returned because the claim was denied, and XXXX can't refund a card that's closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXX XXXX
Product: Debt collection

I called this company directly because I received a debt collection letter in the mail a few days ago. Once I tracked down who the original company this was, it didn't ring a bell because the date on this notice is different from the date that the company stated on the phone. When I told them that I had insurance at this time of visit and specifically gave it to the paramedic, the representative of XXXX XXXX XXXX XXXX said company ) stated that they sent claim to my insurance but insurance did not pay. That was odd, so I asked her well why didn't I receive notice from you or my insurance? The representative lady said that we sent out notices in XXXX and XXXX of XXXX. I said that I never received anything and address was correct. I asked her to send me a copy with date stamped of the notices they sent to me and my insurance, a d she told me that they can not do that. They can only generate a new bill with today 's date. This is all a lie because of so many discrepancies. Date of service on notice is completely different from date told by representatives and they deliberately told me that they cant send me a copy of a bill or any communication of them reaching out to me on the 3 dates mentioned nor my insurance.
Product: Credit reporting or other personal consumer reports

This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This company has none of these documents or written instructions from me authorizing them to pull my report.

I did not authorize this inquiry.

The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America closed my account recently because they said that my risk profile is no longer aligns with the banks risk tolerance. I call them several times but they keep on hanging up on me. I can get anyone to help me and I always get the run arounds whenever Im on the phone with them. I have a positive balance with them right ( over {$4000.00} with them ) and I need them to refund me. I also have over XXXX reward points saved up and they are being forfeited. I have been a preferred member with this credit card company since 1996. I have been in good standing with them even with the pandemic years. Ive been saving up all my reward points to take my wife to XXXX for our 20th anniversary and now they said I dont get to redeem the points anymore.
Product: Debt collection

Harris & Harris Ltd. debt collection service Letter received XXXX XX/XX/XXXX Claim past due amount owed to XXXX XXXX from XXXX
Product: Credit card or prepaid card

My Identity was stolen recently and all my accounts and everything was frozen. I was unable to make any payments or do anything at the moment so I notified Navy Fcu what was going on and they stated they could not help there was nothing they can do that they would be reporting me late to the credit bureaus. They have been unwilling to help me with anything
Product: Credit reporting

I try to upload documents for my dispute and I get the error : We were unable to upload the below document ( s ) successfully. 
Experian has released my credit report excessively and without my authorization. These are all fraudulent inquiries. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 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 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 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 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 XX/XX/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 I am supplying you with all the documents they asked me for yet would n't accept.
Product: Debt collection

I was contacted by my doctor at  XXXX   XXXX   XXXX  for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the  XXXX  with check number  XXXX . They did not contact me again. This was written on  XX/XX/XXXX    and the next time I heard about this was last month when I applied for a car loan. I paid this  XXXX  by phone on Friday  XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.
Product: Debt collection

On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a collection on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

A payment was made to Nordstrom Credit card on XX/XX/XXXX for {$500.00} dollars for XX/XX/XXXX payment. The payment was processed for XXXX instead. Which showed a double payment in XXXX. 
Upon calling Nordstrom I was told by a rep the money would be refunded to my bank account so I could make the payment again and have it processed on a different date. 
The {$500.00} payment was not reversed or refunded! When I reached out to Nordstrom after waiting for more than week they then shifted the information! 
The credit agency has more than enough options to fix this and they are not! 
My account is paid on time every month properly. 
They would not change due date or accommodate the issue they stated would be corrected!

And I was advised by Nordstrom to contact bank and lie, like this is crazy.

Easy fix being made more difficult
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a Certificate letter XXXX to open a dispute in Transunion LLC for a account that does not belong to me XXXX. The FAIR CREDIT ACT REQUIRES TO VERIFY THE VALIDATION OF THE ITEMS WITHING 30 DAYS. They took 120 days to investigate my dispute!!! XXXX XX/XX/XXXX XXXX I receive the results of that investigation, according to Transunion XXXX You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED " even though I sent them a copy of my XXXX consumer report ( XXXX ). I contacted XXXX and indeed they do not have any public records in my reports, in addition they do not have any request for information from Transunion LLC asking for the verification of the account that I am disputing. I am concerned that Transunion LLC is not taking seriously this dispute that I have been with them for so long and it is seriously affecting my borrowing levels. They violate the FAIR CREDIT ACT 30 DAYS VIOLATION. Copy of the certificate letter and copy of my XXXX risk report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Estimated Month of Deletion on XXXX Account Dear TransUnion LLC, I hope this message finds you well. I am writing to formally dispute the inaccuracy of the estimated month of deletion listed on my credit report, as provided by TransUnion. The reference number for my credit report is XXXX. 

Upon reviewing my credit report dated XX/XX/XXXX, I noticed that one of the accounts, listed as XXXX XXXX XXXX XXXX has an estimated month of deletion that does not align with my records. The account number in question is # XXXX. According to my records, this account should be deleted from my credit report in XX/XX/XXXX, rather than the current estimated month of deletion of XXXX 

I have attached supporting documentation, which clearly indicates the timeline for this account 's deletion. 

I kindly request that TransUnion investigate this matter and update my credit report to accurately reflect the month of deletion for this account. An inaccuracy on my credit report can significantly affect my credit score and my ability to secure loans or credit in the future. 

Please acknowledge receipt of this letter and provide me with updates regarding the progress of my dispute. Thank you for your attention to this matter. I look forward to your prompt reply. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 47 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives a reason to immediately remove those items from my credit report it has been over 47 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stressed you caused me.
Product: Credit card or prepaid card

I called on XX/XX/2019, at around XXXX XXXX I spoke with agent name : XXXX ID XXXX we spoke for an hour and a half. I explained that I am going through a financial hardship and need to work out a payment plan to avoid bankruptcy. She said she thinks she can help, she would need to fill out an application and would know instantly. She asked me several questions and said I was approved to pay {$87.00} per month for 60 months at zero interest. She said the deal can only be made if I agree to pay the current payment of {$150.00} and change on or before XX/XX/2019. I agreed and said DEAL! 

She put me on hold for a few minutes and came back and said this is not normal but we need to send this to a supervisor for approval. I said it was already approved by the computer that you already made the offer and I accepted it, we have an oral agreement. She said she can't offer the deal that was already offered by Chase and accepted by me. She got her supervisor XXXX ID XXXX who said we are not able to offer the deal that was made with the agent XXXX. I said the deal was offered and accepted how can you rescind the deal, I already accepted the offer. We have an oral agreement. 

I told XXXX to check the recording conversation that it was already accepted he said he would check to see if the representative did make the offer and I accepted the offer and it would take a month to check the recorded conversation. I explained that if Chase wants a month to listen to the recording that I shouldn't be responsible for the payment coming due on XX/XX/XXXX, since I needed the hardship agreement to take effect to make the payment. I shouldn't be responsible for making payments while chase is taking a month to review the recorded conversation and refuses to honor the hardship agreement that was offered to me and accepted by me. 

CHASE IS IN BAD FAITH NOT HONORING THE DEAL THAT WAS OFFERED AND ACCEPTED BY ME. 

On a sperate request please note in the records : I am requesting Chase to please preserve the phone recording made on XX/XX/2019, at XXXX XXXX lasting over two hours  regarding this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently revealed that many accounts have had information stolen from them, and there is no way of knowing which accounts are at risk. This has been happening for about 6 weeks, and Equifax only just released a statement.
Equifax asked users to go on a new website where you could check if your account was at risk. It was quickly revealed that the website gave out random results and was n't at all a useful tool.
I am trying to do everything I can to protect my information. I have never used Equifax ( as I mainly use XXXX ) but since the 3 largest Credit Unions are so interconnected, hackers could still steal my information despite me never giving it to Equifax.
My information is n't their property, even if they believe it is. I have never used their service, and because of their neglect for their customers ( or as they believe, " products '' ) I now have no idea if my personal information ( that I have made a huge effort to protect ) is at risk.
Obviously this is n't just a problem for me, it effected millions. But I just want my voice to be heard because I do n't view myself as a product, and I do n't like the idea of a major company being able to give away information that was n't given to them willingly, and is n't theirs. Thanks.
Product: Checking or savings account

I noticed that several international transactions had occurred within a 3-day span of a new account that was just opened less than a month beforehand. The response I got was that there was no sign of fraud because after I called the card in stolen no one tried to use it. Whoever stole my backpack got all my information hacked into everything of mine XXXX Bank mobile and stole from all of my accounts Wells Fargo is the only one that is denied my claim and then went ahead and closed my accounts After further review the services or items attched to the charge i have no knowledge of and never received anything from any of them. There are 39 international transactions from XX/XX/XXXX to XX/XX/XXXX Here are the merchandisers and transactions that were unauthorized from : XXXX XXXX XXXX : XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 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 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 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 XXXXXXXX XXXX XXXX : Phone Internet XXXX. XX/XX/XXXX. {$110.00} XXXX. XX/XX/XXXX. {$74.00} {$180.00} total amount was {$2800.00} since I was a brand new account holder they had no idea what my spending habits or what I spent money on there for these transactions should have been flagged from the very beginning. international transactions every single one of them and they do not want to refund my money they closed my account and told me to go kick rocks.
Product: Student loan

I have requested from Moheal on XX/XX/XXXX to have my renewal date pushed back a year since it falls within the XXXX months of the covid pause ending. It should be pushed to XX/XX/XXXX. Mohela has stated they could not do that and it's XXXX who sets the XXXX anniversary date. This has caused me to submit an XXXX early which was not needed causing a delay in my payments, causing my payments to increase XXXX times the payments. They refuse to push the date back following XXXX website. This is literally not following XXXX guidance and causing multiple errors on my account.