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

Why does Wells Fargo make every effort to create financial detachment between me and my husband? Is the goal to prove we are not legally married by disconnecting financial transactions in the ach system? My husband issued check XXXX to pay for my XXXX XXXX  XXXX XXXX policy. I am the owner and beneficiary of this policy and my husband is the insured. Policy number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I discovered recently that the check image is incomplete on the back of check XXXX. The stamp indicates XXXX XXXX  XXXX is paying Wells Fargo N.A. directly from a XXXX XXXX  XXXX account. The information required by check XXXX is missing on the check image. Where is the date and time of deposit, the payee account information, the payer account number? XXXX permitted withdrawal against check XXXX against my husbands ledger but there is no information to show in black and white to establish the flow of my husbands payment in the clearing house system. The check 21 Act specifically states that a paper check transformed into an electronic check must contain specific information to be legal. XXXX XXXX  XXXX can state in the event of the death of my husband that the policy was not paid because the payment was credited to a different account and I would have to prove otherwise. In the meantime someone else would be receiving the death benefit, not me. Without a proper legal representation on the check image indicating the transaction details of the payment made, XXXX XXXX XXXX  could stall the death benefit or state they never received the payments or even state that I do not have a familiar relationship to my husband. Am I supposed to have a crystal ball to read code and account numbers in the ACH system being used for financial transactions on personal paper checks issued? Wells Fargo did not answer my previous complaint because they posted an unreadable file for XXXX. See attached. Wells Fargo continues to take every opportunity to hide what they do with the money received concerning my personal marital finances. Wells Fargo needs to provide in writing the details of check XXXX transaction and an explanation why they disregard check 21 act.
Product: Debt collection

I had cataract XXXX back in XXXX of XXXX. Originally the first eye was to be done in XXXX and I received a call from the medical provider stating that I would receive a " substantial discount '' if I moved the XXXX to XXXX. I started receiving bills after the surgeries that did not match up with my health care provider and the amounts for the two dates of service was different even though the procedures for both eyes were the same. I contacted my health insurance provider and it took them to decipher what the medical provider had done. Apparently even though all of his companies are at the same location and you do not have to go outside to go from one business to another they use different provider numbers and some of the numbers that were used were out of my network. They have told me what the correct billing amount should be and I have yet to be provided with those statements which also should include the discount promised due to the inconvenience of me rescheduling my XXXX. Instead of providing the information they retained a collection agency who was, on more than one occasion asked to provide the statements and as of this date they have not been provided and instead are reporting this debt to the major credit bureaus and is currently affecting my credit. 
Please note : The email attached dated XX/XX/XXXX was actually written on XX/XX/XXXX and was sent but for some unknown technical issue was not sent and I found it in my draft email box.
Product: Mortgage

First Centennial Mortgage in XXXX Illinois denied me a refinance back around XXXX but still put it through at about $ XXXX. They now have a lien on the title for this fraudulent transaction. So now I have two mortgages one is correct and the other created by the scam artist XXXX XXXX of said mortgage company. Having this fraudulent lien from this sham company First Centennial mortgage of XXXX is preventing an honest real mortgage lender the chance to refinance due to this. I never got the refinance last year from this sham company as they rejected my application but they still went through with it and put a lien for the original amount. This complaint follows the one from last XXXX # XXXX where they admit they didnt give me the refinance but they still went through with it and put a lien on my title. I will follow this up with a police report for theft and fraud as well with the local police department along with notifying others to beware of this thieving company.
Product: Debt collection

XXXX/XXXX/XXXX Received a phone call from this company stating they would be debiting from my bank account in 2 days because of a court judgement against me. I called back to the company and they answered stating they are Arbitration company obtained from pay day loan company I borrowed from back in XXXX. He stated he is a Lawyer and was retained to handle the account. the person then proceeded to transfer me to " XXXX ''. I asked XXXX what is the name of her company she stated XXXX XXXX XXXX. I asked are they an arbitration company and she stated that they are. I proceeded to ask her if they are made up of lawyers and she stated no. So once I looked up the company online I realized that it was a collection agency. I told the representative that this is an collection agency and it is illegal to misrepresent themselves. I told her to take me off their call list and do not call back. She proceeded to say that she is going to hang up and call my job. She also stated that they will continue to call me until I pay her their money. She used vulgar language as well. This is not the first time this company has called me with threats and I have told them not to call my phone again but they continue to harass me.
Product: Bank account or service

Bank of America located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Bank of America under staff its branch compared to its competitors. Bank of America realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Bank of America at this location disregards its obligation under banking act. Why is that CFPB is unable to make Bank of America provide community based banking service
Product: Debt collection

Company charged off the account and its still showing on my credit report, I asked the company for a 1099 C, since the account was charged off, I never heard back from the company, I contacted them several times as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with no 1099C sent to me Flagship Credit Acceptance {$17000.00} charged off
Product: Debt collection

Pressler & Pressler sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from 2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.
Product: Debt collection

I had setup a payment plan in XXXX 2015 to repay back XXXX XXXX for a credit card I had. I was told that the balance was over {$1000.00}. Portfolio Recovery Associates started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with XXXX XXXX was {$500.00} so I made a call to XXXX XXXX and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
Product: Mortgage

It's that time again. Wells Fargo is trying to foreclose on my house even though I had adequate income for my last modification application. This is the second complaint that I have filed against this company because for whatever reason I didn't get the request for response email messages from my first complaint. I plan to change my email address to avoid this happening this time around. 

In my previous complaint XXXX Wells Fargo responded that I didn't provide proof of my income which is untrue. They didn't make any requests for proof of my income. They denied part of my income due to the fact that I wasn't able to procure tax documents because I hadn't worked long for my employer. I have copies of checks and bank statements for that income that I will happily provide.
Product: Mortgage

I am writing because : My Lender Caliber Home Loans did not acknowledge my request. 
" In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA you are required to acknowledge my request within 20 business days. '' They DID NOT and HAVE NOT acknowledge my request to date, which is long past the required period required by the Act. 
Attached are copies of proof of they received my request on XXXX XXXX, 2015 at XXXX What action they should take : Though the required acknowledge period have pasted, " In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA they must acknowledge my request. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and noticed that i had a late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

PERSONAL NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ONLY SHOULD SHOW : XXXX XXXX XXXX ( As this is the only name I use for credit ) EXPERIAN To Delete Inquires per FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX EXPERIAN To Delete : Account XXXX Account Type : Credit Card Account name XXXX XXXX never authorized to be added as an authorized user to this account Account XXXX Account Type : Credit Card Account name XXXX XXXX XXXX Account XXXX Account Type : Credit Card Account name XXXX XXXX XXXX Account XXXX Account Type Auto Loan Account name XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

amex showing XXXX, XXXX, XXXX when i sent hacking and ftc reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I lost my identity twice and I had someone use my credit card accounts and open new accounts under my name. I believe it was someone who contacted me about an ad for a townhome I attempted to rent in 2016. They made me submit my bank statements and tax returns and then said the owner decided to go with another tenant. I started to have issues with my credit cards I eventually paid them off after they removed the fraudulent charges. I made several police reports to document what happened. I have attached all the reports I have access to at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, LoanCare, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct my account.
Product: Credit card or prepaid card

I was given a bill that was due by XX/XX/XXXX with an amount. I paid off that amount on XX/XX/XXXX. Now I was charged {$76.00} interest. Im not understanding if I have a payoff amount why that isnt the full amount I understand if I didnt pay off the amount they wouldve been able to charge interest but when they give me an amount due and I pay it off, there should be no interest charged. 

It seems to me. This is false advertising with a payoff amount due the purpose of a credit card they gain interest if you dont pay off the amount but if you do, it should be XXXX void. I am seeking reimbursement for the interest, they charged me.
Product: Student loan

This is more of dispute than a complaint, but still is a matter pertaining to the amount paid and the current outstanding balance noted for my student loans. Navient, my current student loan servicer, does not have a dispute submission channel available and I believe this matter is beyond the scope of a normal escalation. I graduated with my XXXX XXXX XXXX in XXXX XXXX and have made all of my payments since graduation prior to the Due Date noted on each statement beginning with my first student loan payment on XXXX/XXXX/XXXX. My student loans have not always been held by the same servicing company. My first payments were made directly to the Department of Education, then the loans were serviced by XXXX XXXX, and most recently the loans have transferred to a different company called Navient. Navient 's customer portal is the first loan servicing company that has allowed me to see the entire transaction history for my account. Prior to this full history display I was only given statements itemizing what was due for the next immediate Due Date and was not provided with any information as to how payments were applied to principal and interest throughout the repayment process. The first payments I made were as follows : XXXX/XXXX/XXXX for {$500.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$350.00}, XXXX/XXXX/XXXX for {$1000.00}, XXXX/XXXX/XXXX for {$200.00}, and XXXX/XXXX/XXXX for {$1000.00}. These initial payments all total {$4600.00}. None of these payments are reflected in the entire history of my account despite all of these payments were made to the Department of Education directly. The lack of inclusion of these payments would then impact subsequent interest accrual as well as the remaining balance still due and loan maturity date/payoff date. I can provide bank statements as well as email confirmations from the respective loan servicing companies to account for the missing payments. I would like my account to be reviewed and corrected to show the proper balance as well as reflect ALL payments made to date. Through today ( XXXX/XXXX/XXXX ) I have paid {$10000.00} and the balance on my current outstanding balance is incorrectly noted on the Navient portal as {$10000.00}. 

In addition to this large payment discrepancy there are XXXX ( XXXX ) transactions that were all noted in the account history between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as " adjustments/fees. '' I was not notified of these fees and as my loan repayment history and credit report would indicate, I have never missed a payment to-date and would also like these fee assessments reviewed. If they were applied in error, I 'd like them removed as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request - ( XXXX XXXX ACCOUT # XXXX DATE DATE OPEN XXXX XXXX AMOUNT {$3900.00} ), ( XXXX  XXXX  XXXX XXXX ACCOUNT $ # XXXX DATE OPEN XX/XX/XXXX, AMOUNT {$31000.00} 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
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, Atlanticus Services on XXXX/XXXX/XXXX and so on.
Product: Credit reporting

In XXXX I purchased a vehicle and became ill requiring immediate surgery. I had XXXX through my employer, ( I thought ), and they did not make the payments. Needless to say I was without a salary for XXXX months. During this time there was no way to pay the loan and the vehicle was repossessed XXXX. I got married and my husband and I were purchasing a home and the mortgage company noticed a change in the date this was originally reported. The date went from XXXX to XXXX. The mortgage company and I conference called with XXXX XXXX with the original creditor and they confirmed the date was indeed XXXX and the company the account was sold to changed the date. The company was contacted by my current mortgage company on my behalf and stated they would correct the information, however, XXXX of my new credit card limits was reduced because of the same company reporting as of XXXX this account is " open, '' which is not possible because it was written off years ago. It is not " paid '' but it is not open. This would imply that I have the vehicle. I have since obtained a vehicle and do not have an open account with them. I would really like this to be reported accurately because I have worked too hard to clean up things from past credit hardships and this information is being reported inaccurately. I would appreciate any assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please remove it.
Product: Credit reporting or other personal consumer reports

I've ask Experian to investigate XXXX XXXX XXXX, There is an inaccurate account that shows up on my credit report that should be remove immediately.
Product: Credit reporting or other personal consumer reports

The company was sold to another company and has the doors the company is still reporting on my credit and has the wrong balance on it I tried calling and contacting them I cant get anybody because the company had closed I no longer have an account with them