23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I deposited my payroll check into my Wells Fargo account on XXXX XXXX in an automated teller that I usually use. On Thursday XXXX when I went to use my debit it was declined. In calling the XXXX number Wells Fargo told us it was returned for insufficient funds. So I contacted my employer who went to the company bank ( XXXX ) and they said it was not returned for insufficient funds and gave her a copy of the processed check. I took my deposit slip, the information from XXXX and went to my local Wells Fargo. The manager was not in so I spoke with the lady in charge. She looked at the records and said " No it was n't returned for insufficient funds but Wells Fargo has put a hold on the money. '' But she could not tell me why. It is {$2500.00} my usual amount and we do n't owe Wells Fargo anything. No one at the bank can give us a reason or by what right they have to hold the money. It is a 7 day hold " while they investigate '' again no one can tell us WHAT they might be investigating???? And neither could the lady. We are awaiting her checking into a resolution but she warned we likely would have to wait the 7 days because " no one can over ride a hold ''. How are the allowed to treat people like this? We are ordinary people we pay our bills on time and we have no affiliations in or out of the US that should create any flags. As a result we have bills that can not be paid, groceries that can not be bought and tithe that can not be paid. My husband is retired so this is our primary income. 
It is important that others know the shady doings that are happening to Wells Fargo customers. This same thing happened last year to one of my husband 's friends who baneed with Wells Fargo and we thought he must have owed them or something. So it is NOT an accident and it should be investigated. If it has happened twice in our small circle of friends how many more people can it happen to?? 
I do have the deposit slip, the check print out from XXXX but do not want to send personal information electronically.
Product: Debt collection

in XX/XX/XXXX, I filed a garnishment compliant with cfpb. I.D . XXXX, against Midland Credit on behalf of Asset Acceptance. As a result, Asset Acceptance stated they would stop garnishing my wages temporarily until XX/XX/XXXX ; and as of this day, garnishment is still being deducted from my payroll. The hardship form that I received from Midland Credit was dated XX/XX/XXXX ; which they requested the form back within ten days ; which I received the form on XX/XX/XXXX. I filled out the form, mailed it back to Midland Credit on XX/XX/XXXX by first class mail so I could be able to track the delivery. I have called Midland Credit several times ; and each time, I receive different misleading information from their credit managers. Midland credit claims that they emailed the stop garnishment request to the XXXX circuit court, civil department, but when I contacted the circuit court ; it was stated that NO stop request information from Midland credit has been received on my behalf. XX/XX/XXXX is less thank thirty days away ; and garnishments are currently being processed from my payroll ; which leads me to believe that Midland has no intentions of standing by their answer to stop the deductions that should not have been allowed in the first place. I will take this matter of complaint as far as I have to. Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent account and inquiries are as follows : Account : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX - National Credit Cards / Airlines, has shown up on my XXXX  credit report for the past 4 years. I did contact them by mail, but never received a response. I DID NOT apply for credit with this company and each time, it was listed as a Hard Inquiry on my credit report. I am concerned because I have been the victim of identity fraud three times during the past five years. I want this company to remove this Hard Inquiry from my credit report and to stop inquiring about my credit status. I see numerous complaints about this company online, and I hope you can resolve this problem. Thank you for your help.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions. 
XX/XX/<YYYY>Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws.
Product: Credit card or prepaid card

Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. 
I have not authorized those charges.
Product: Vehicle loan or lease

we have payed on the car for 3 years and still owe  XXXX  the car is only appraised at  XXXX   thur     XXXX   XXXX     now bridgequest how can they charge so much how can we pay fair market value without putting a bigger ding in our creditt
Product: Credit reporting, credit repair services, or other personal consumer reports

Febuary XXXX - XXXX XXXX  XXXX XXXX XXXX FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE. 
DISPUTE XXXX XXXX XXXX RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy? 
Also according to credit report accurancy, the account has it 7yrs on my credit report as of XXXX XXXX.
Product: Mortgage

RE : XXXX XXXX XXXX XXXX. XXXX Illinois. 

I was told that I was required to get preapproved by their in house lenders. Another lender told me that I should have received an XXXX at time of referral but I did n't. 

My email to the agent also went to their lender, Guaranteed Rate, without my knowledge. I received a call from both the agent and the lender without authorizing the call.
Product: Payday loan, title loan, or personal loan

XXXX XXXX came to my house to do an interview about adding a alarm system in the house. They told me that they will setup up the security system and all I need a copy of my check and they will be able to setup up my services. They install the system the same day and told me that if I was unsatisfied that I had 72 hours to discontinue services. The service triggered false alarms 59 times. I was left to pay my county twice XXXX $ for a service that didn't meet expectations. After discontinuing services, I called my bank to dispute the issue and stop payment. In addition to that, there was a credit line open up in my name without my knowledge. They are still charging me for payments through XXXX. I also am receiving statements from Aqua Finance, ( their partner. ) They told me that they use this credit line to pay for the XXXX system. This was used to pay for the security system without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter return receipt to XXXX XXXX XXXX and was signed for on XX/XX/XXXX. Since the debt was unable to be validated and XXXX XXXX not licensed to collect debts in Nebraska the collection was removed from XXXX and XXXX but not Equifax. Equifax needs to follow suit and remove from my credit file as it is adversely affecting my credit.
Product: Checking or savings account

Chase basically denied a claim that was literally two discharges on the same day as a fraudulent charge despite me not getting my card back the same day and they refused to reopen the claim after they failed to properly investigate it the first time and the second time they were so close to fixing it but let two charges stop them from successfully doing what they were supposed to do now I no longer wish to do business with this horrible example of a bank who doesn't take claim seriously enough to understand that information was omitted because they didn't know it at the time
Product: Checking or savings account

I had an Citibank checking acct, a money market account and a line of credit attached to the checking for over-draft protection. I had all three of these accounts for 20 years. I attempted to close all three accounts in early XX/XX/XXXX. Citibank closed the money market account and the line of credit, but failed to close the checking account. They were supposed to close it and refund me the {$15.00} that was in my account. I did not get a letter from them until end of XX/XX/XXXX. The date on the letter was XX/XX/XXXX, but the US mail was delayed at that time. I was surprised to find that the letter was indicating I still had a checking account, and that now because of monthly fees, the account was overdrawn by {$9.00}. Within a day or two, I received a new letter dated XX/XX/XXXX again informing me of an overdraft that was now {$68.00}. I called Citibank again. It was actually quite difficult to get through because the automated system did not recognize the account number on the account that was supposedly still open that I had tried to close. When I finally got through I explained that I had closed the account in XXXX. They said that the first customer service person had failed to close the checking account properly. I was assured that this time they would close the account and reverse the charges that had accrued in the interim. They apologized for the inconvenience. I then received 2 letters, one dated XX/XX/XXXX and the other dated XX/XX/XXXX, both stating that Citibank closed my account and that I now owed {$100.00}! I then called yet again to ask why after twice having attempted to close this account, I was still being charged fees and now being threatened with a collection agency. I was told that there was nothing that they could do now that the account was closed and that I would have to visit my local branch. I have no " local branch '' because Citibank closed all the branches around XXXX years ago. I would have to drive up to XXXX XXXX XXXX to attempt to handle this. I was a loyal customer for many years and I stuck with them even after they closed all the branches and started charging rather exorbitant monthly fees. It seems Citibank is unaccountable for its mistakes. Even worse, somehow I am accountable for Citibank 's mistakes. It's simply unfair.
Product: Checking or savings account

The following was received from Chase Bank. This is the 3rd complaint made and I will continue until I receive a refund. Complaint # XXXX and # XXXX NOTE : " We reviewed your claim for the {$790.00} unauthorized check payment. We confirmed the claim was filed on XX/XX/XXXX, the claim was worked on XX/XX/XXXX and sent to the bank on the first deposit ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. We followed up on XX/XX/XXXX. Unfortunately, we have not received a response to the claim yet ... ... In terms of your reimbursement request, we can provide you with a provisional credit if you send us a copy of the Declaration of Unauthorized Endorsement or Altered item '' how can you ask for something that that you have, you have this information. Reference # XXXX. 

THIS IS THE ISSUE : To whom it may concern : This email is a followup to a followup to a followup.. As of today not much was done. Can a reply be sent in the form of regular mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is the matter in question : This is in reference to check number XXXX written on XXXX XXXX XXXX pay for {$790.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX, ( PLEASE NOTE THE DATE ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never received this check, the check was never cashed by XXXX XXXX XXXX XXXX nor was the check deposited into his account, also the check was never endorsed. However the check was deposited into a XXXX XXXX XXXXXXXX account, this was found out after contacting Chase Bank. 

Several claims were filed with Chase Bank XXXX XXXX XXXX was told after contacting Chase Bank they were waiting to hear from XXXX  XXXX XXXX. As of today XXXX XXXX XXXX has not received a refund. Several contacts were made with Chase Bank since the original claims. XXXX XXXX XXXX was recently told the case was turned over to XXXX XXXX XXXXXXXX and they are waiting for a response. 

I would like to have a response in reference to this matter. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a certified letter on XX/XX/20 tracking number # XXXX recd at agency on XX/XX/20 to the collection agency asking to send : dunning letter with signed proof of receipt., signed contract that I engaged with any service with this company. The company only provided statements again, not proof of any services contracted with the company. They have failed to provide this information that is supposed to be furnished under the Fair Debt Collections Practices act. When nothing was received by the merchant I sent a copy of the letter to the credit reporting agencies with tracking on XX/XX/1920 whom only reached out to the agency and they verified it as accurate when nothing listed above has been provided to me.
Product: Student loan

Over the past several months my payment to nelnet is being rejected for no reason. Then fees are added. They have told me its because my account had insufficient funds which was not true, they also told me it was because my routing number was incorrect which is not true, they also told me it was because my bank was declining to process the payment which is not true. I have spoke to the bank several times and the request is never getting to them. I did a bit of research and it seems lots of people are having this issue. This just started a few months ago, I have been paying this loan for years with no issue. I have called nelnet a dozen times with no real answer.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX CO Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item 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, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA by blocking my online access to credit & dispute results. This prevents me from readily accessing my reports, I believe this is being done as a tactic to prevent further disputes on inaccurate information
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went and filled an FTC affidavit and police report and sent all the required documents for fraud through certified mail. They have ALL documentation in the mail and are emailing me today saying I need to send all of the same documents ( I paid to have sent to them ) through and upload screen. If I were the average person that gave up and didnt understand technology, I would have given up all together. Their website kept crashing in the midst of me uploading, and kept throwing me into a screen to re-enter my information yet again. Not user friendly at all. I had to go in and send all of the documentations separately. So that was very tedious having to go back through and re-enter all of my information again just to send another document. All of these error need to be fixed. This has been a very difficult time.
Product: Credit reporting or other personal consumer reports

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to see if my personal information, including my social security number, was at risk of being stolen by a recent breach and received a randomly generated answer instead of the truth.
Product: Credit reporting

I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me.
Product: Debt collection

I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. I have also requested proof that XXXX XXXX   can legally bonded by the State of Texas to collect in Texas. My consumer protection rights are being violated.
Product: Debt collection

On XX/XX/2021 I have agreed to a settlement with Synchrony Bank / Ashley Furniture in the amount of {$1200.00}. With three consecutive monthly payments. I have fulfilled the arrangement and provided proof of the payments as well attached to this dispute .Keep in mind of the last payment in the amount of {$50.00} which was made over the phone. Because a representative stated that they had an issue with their system with that last payment. So they advised me to call and pay and when I paid the {$50.00} and I a was verified by multiple representatives that the account was paid in full clear. I have also days later called multiple times and each time was verified that I paid off the amount in full. Months to year later it reflected on my credit as a charge off. I have called multiple times spoke with their dispute department. Sent letters with documentation of them wanting proof of payments, which I sent to them. And there response letters only stated in return that I owe them something each time. They never really reviewed my proof just wanted me to pay. No direct response either really frustrating.
Product: Debt collection

Capital One : Debt is current but, doesnt reflect on report! I paid XX/XX/2021 {$100.00}, XXXX and XXXX XXXX {$50.00}
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$440.00} XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$8200.00} XXXX  - XXXX {$1600.00} XXXX - XXXX {$1600.00} XXXX  - XXXX {$170.00} XXXX - XXXX {$2000.00} XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

It proves it shows up on my credit report with XXXX as a charge off and I have yet to receive my 1099c and I paid XXXX XX/XX/year> they received double payments which is fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints a couple other times against XXXX XXXX XXXX. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to XXXX. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX  days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well