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

I have banked at Wells Fargo for many years. I opened a separate savings account in my name only due to my husbands illness. He had sent double payments to creditors from our joint account also, has lost or misplaced his debit card repeatedly. The bank changed my savings to a checking account due to regulatory requirements as I was making too many transfers. I never requested overdraft protection or to have the accounts linked. I called on XXXX XXXX, XXXX to request overdraft protection be deleted. In XXXX XXXX my husband spoke to the branch manager of our local bank. He requested access to my personal account and was told no by XXXX XXXX. On XXXX XXXX, XXXX he again went to the local branch and presented to the teller. He explained that he needed cash and that he was aware that the joint account had {$0.00} dollars however, we have overdraft protection. The exact verbiage used was he gave a sob story. To my knowledge we did not have overdraft protection. The teller explained to him if he uses his debit card inside the branch he would have the ability to make an EWithdrawl. Also explained that then my personal account would cover the overdraft funds requested. In short with the banks tutorledge and advice he withdrew {$300.00} then again {$500.00}. On XXXX XXXX, XXXX he appeared again making his 3rd EWITHDRAWL of {$2500.00}. On his 4th visit on XXXX XXXX attempting an additional {$2500.00} this is when XXXX XXXX called me to inquire if I was aware of the previous EWithdrawls and am I approving a 4th? The answer was a resounding no! I was shocked and completely unaware, I had opened a separate account to keep my money safe. He didnt have access to checks and didnt even know the joint account number. He only had a debit card that limits withdrawals to {$300.00} per day. 1. Why didnt XXXX XXXX call in XXXX during his first attempt to access my account? 
2. With a {$0.00} balance in the joint account why in Gods name did it take a 4th potential withdrawal to notify me?

3. While an employee/employees were aiding and abetting did they receive monetary compensation while in collusion? 
I am aware of several Florida Statutes that cover the receipt of money obtained by fraudulent use of debit/credit cards and any amount over {$300.00} is grand theft intentional. I have been told that this falls under divorce however, I strongly disagree as these actions were deliberate, criminally fraudulent and violating my privacy by exposing my personal account. I am seeking legal advice as I believe this Wells Fargo branch, employees, and policies should be investigated. XXXX XXXX XXXX XXXX XXXX Fl XXXX. ( XXXX ) XXXX
Product: Debt collection

You are listing on my credit report without my authorization or acknowledgment. This unauthorized access to my social security number without consent constitutes identity theft. What's even more concerning is the absence of a letter from you, providing me the opportunity to review the purported debt. Additionally, I haven't received any notification from you claiming that I owe you money.
Product: Checking or savings account

I have a Bank of America preffered checking account. I deposited a check ( from my XXXX checking account ) into my Bank of America checking account on XX/XX/2019. The bank has placed a hold on my check deposited until XX/XX/2019 ( for about 8 business days ). Their policy says they can hold my deposits for 2- 5 business days ( on their mobile app and their website- link below ) and upon calling they said it is upto the bank how many days the hold is for and they said their new policy is to hold deposits for 7 days. There is no policy document that I have from the bank that says that they can hold my money for that long that the bank made available to me. 
They said on the phone that since the deposit is from a new account they can not release my money. Their policy does not state anything like that. 

https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY CREDIT SCORE DROPPING XXXX POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO REPORT
Product: Student loan

Navient stopped sending statements with balances on them, and I could not find one with a balance on the website ... the website showed that my loan was paid off, but I did not believe this to be correct, I had emailed and didnt receive a response so I called and spoke with their representative XXXX on XX/XX/2016 at XXXX and was told the loan was paid off but they could not provide me with any details and said I would get a letter and refund for overpayment in 30-45 days..I then received an email from Navient saying I spoke with someone so I was all set, I had to go to another website to access this email, this website allowed me to access a statement with a balance of {$33.00}. I emailed again that evening to find out what my payoff was and why I was given the wrong information, and have not received a response, this was after they put my loan into deferment without my authorization, and then reduced my payments when I asked to have my loan restored to my previous terms.
Product: Credit reporting

On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$60.00}
Product: Checking or savings account

My mother was financially abused by her caretaker for the last 6 months of her life. Around XXXX was withdrawn from several of her accounts. This was done in {$1000.00}, XXXX, and XXXX dollar increments about everyday. Wells Fargo did not notify my mother or myself who is also on these accounts. I did not have any electronic access to see any of this activity. I didnt see this until after my mom passed away and I had to get the past statements from Wells Fargo . I have tried numerous times to file claims only to be denied. I also filed a claim with the attorney general also to be denied. I believe that Wells Fargo has some ownership in this as they were not looking out for my mom and did a huge disservice to her and myself. I have copies of statements to prove this activity. It raises huge red flags which they did not act upon. I also have checks that the caregiver forged for her rent and duplicated and triplicated her weekly pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints against this credit bureau on this website for the same issue that I am complaining about today and this credit bureau has failed to provide the evidence requested and or remove the item from my credit report. This credit bureau continues to state that a XXXX XXXX XXXX account number XXXX that was allegedly owned by me that it is reporting accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and I requested of them ''There Method Of Verification ''. Now they got my request for there '' Method Of Verification '' on XX/XX/2021 and the Fair Credit Reporting Act clearly states that the credit bureau should provide me with there method of verification within 15days of me making the request. Today is XX/XX/2021 and to this date I have not gotten there method of verification and this is a clear FCRA violation. They cant and or they wont provide me with there method of verification but yet they refuse to delete XXXX XXXX XXXX from my credit report when I repeatedly asked them to do so. I keep on getting letters in the mail stating that it is been reported accurately but no method of verification is sent. 
The method of verification should entail : a ) The description of the procedure used to determine the accuracy and completeness of the information. 
b ) Name and address and telephone number of each person contacted regarding this alleged account. 
c. ) A copy of any documents bearing my signature showing that I had any form of banking relationship with this bank and the true status of that relationship now and then. 
d ) No E-Oscar response but a valid investigation was what was requested To this day no method of verification has been received by me and this is a clear FCRA violation.
Product: Student loan

I received my statement for my students loan to Payments to begin. I was already signed up for auto draft but went ahead and made a payment to get ahead a month ( {$180.00} and This is the only reason I am not currently late ). They auto draft the same amount I paid but applied it to an account that has no payment amount posted and a due date for XX/XX/XXXX. I also saw an auto draft for XX/XX/28 for {$380.00}. This was not on last month or the next statement I received yesterday. I can not turn auto draft back on unless it will draft for the {$380.00}. Luckily I caught this or it would have overdrafted my account and caused bank fees I would have had to pay or argue with my XXXX about. On the make a payment screen it shows {$180.00}. And on the overall loan summary it shows {$180.00}. Also since I had to turn off auto draft, my XXXX XXXX  discount on interest is removed so their error is costing me additional money and lots of stress. I spent XXXX hours holding between work meetings to not get through and have been holding for an hour now. I have sent XXXX emails. I know I am not the only one that is probably having these issues. I am trying to make the payments but they are making it extremely difficult. This is preventing sleep at night stressing.
Product: Credit card

Merchant : XXXX XXXX : Self Financial Recurrent transactions on the XXXX of each month from XXXX to XXXX in the amount of {$24.00}. Contacted Self Financial on XX/XX/24 to initiate dispute. spoke with rep XXXX who provided Case # XXXX - Follow up on XX/XX/24 with XXXX to verify dispute has been granted, XXXX representative XXXX confirmed Self Financial has not contacted Apple regarding charges. XXXX no charge back has been initiated or completed. XXXX XXXX. 

Contacted Self Financial XX/XX/24 to check status, rep XXXX confirmed case denied again stating charges not fraud due to similar charges on account. Representative recommended to request new card replacement to help with issue. 

XXXX Replace card request dont XXXX XX/XX/24 contacted Self to check status of Case, provided information below to contact financial institution via mail for further dispute. 

XXXX crs # Fax : XXXX XXXX hours Address po XXXX highlands ranch co XXXX Attn card member dispute services Contacted Self financial XX/XX/24 spoke with supervisor XXXX who assured me the case would be reopened and thoroughly investigated to make sure the fraud department attempts to contact XXXX and further more contact me for a follow up. Quoted turn around time XXXX business days XX/XX/24 contacted self financial to verify case status, representative XXXX confirmed to me case was not reopened no further investigation is being made and fraud department ruled decision as not fraud.
Product: Credit reporting or other personal consumer reports

The credit bureaus have reported incorrect information on my credit report, specifically my name and address. Despite my legal name being XXXX XXXX and my correct address being XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, they continue to display incorrect variations. I have made multiple attempts to resolve this issue, but the inaccuracies remain. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information on credit reports. Specifically, Section 1681e ( b ) of the FCRA mandates that credit bureaus adopt reasonable procedures to guarantee accuracy. Case law supports this right to accurate reporting, such as in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), where the court found that credit bureaus have a duty to take reasonable steps to verify disputed information.
Product: Credit reporting or other personal consumer reports

I have Disputed on many occasions the payment history reported on my credit report also have sent the laws that they're violating and have yet to have this problem fixed. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax did not verify bankruptcy with the court i am demanding they remove the bankruptcy on my report it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT " The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month. Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default. These were not loans, but neutron XXXX with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XX/XX/XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows XXXX XXXX to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against XXXX XXXX back in XX/XX/XXXXXX/XX/XXXX when their predatory lending practices came to light. The home equity loan was an instrument of XXXX Pick-A-Payment home loan, which was transferred in XX/XX/XXXX under Account XXXX while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning XXXX to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting a loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had put a credit freeze with the 3 companies approximately 2 months before.. I had trouble with one of the three doing this all by phone.. My mortgage Company wanted to do a credit check so I attempted to un freeze reports.. XXXX XXXX I was able to complete and unfreeze XXXX XXXX. Called Experian to get XXXX XXXX XXXX freeze lifted. Their FULLY AUTOMATED SYSTEM WITH NO HUMAN OPTION. I inadvertently put a freeze on my credit report.. The computer said they were sending me a pin in the mail ... This is the opposite of what I wanted to do .... I frantically started calling numbers I found online.. I contacted one lady.. After talking fo a few minutes her computer froze.. Nothing accomplished. Called back to the phone system from Hell. Finally got a HUMAN.. Explained the situation and she asked me for the pin that the computer said was snail mailed 3 hours before.. Obviously SHE WASN'T LISTENING.. As it stands 2 credit reports unlocked and 3 Skrewed Because of their lack of help customer service and communication.. This is a Mortgage Issue and time is of the essence... They don't care...
Product: Mortgage

Back in XX/XX/XXXX, I had a XXXX  run a report on my husband that revealed he and someone from within Bank of America, created paperwork that claims to refinance the marital home I purchased alone in XX/XX/XXXX. They forged my signature. I spoke to a BOA rep named XXXX in XX/XX/XXXX. She stated BOA would send me all the contracts as the version I had via email had been blocked/password protected as a result of my email being hacked. XXXX said I would receive the following : loan history, monthly statements with the various mailing addresses on all statements, loan application, deed and the note. This paperwork would be sent for the mortgage, HELOC and lean release. There is corruption in the local legal system and previous Attorneys, representing me, either would not return the hard copies or sent subpoenas improperly so that BOA did not have to respond. I never refinanced my home and did not sign these contracts.
Product: Credit card or prepaid card

This is a complaint against XXXX XXXX XXXX and Wells Fargo Consumer Credit Card. 

I have a Cell Phone Protection claim ( XXXX ) with XXXX XXXX XXXX  ( XXXX ). My Wells Fargo credit card has a Cell Phone Protection benefit administrated by XXXX. My cell phone had physical damage requiring a new LCD and button. XXXX denied my cell phone claim XX/XX/19 stating conflicting information. Information does not conflict. I submitted all of the paperwork : XXXX online claim form, XXXX bill,  Wells Fargo Credit Card Statement, XXXXXXXX XXXX invoice. My XXXX bill shows that the phone was not used between XX/XX/19 to XX/XX/19. I paid {$190.00} to repair the phone at XXXX. XXXX will not reimburse me for the {$190.00} repair fee. I was well within the 60 days notice of reporting the damaged cell phone to XXXX. All documentation was uploaded within 90 days on XXXX 

The physical damage was seen and heard by the diagnostic technician. The technician noted significant damage on the repair estimate. The technician saw that the phone did not function because it is obvious to the eyes and ears. He replaced the LCD and button, because the old parts were physically damaged. The reason for the damage is wear. With three phones in my household with XXXX children, we damage cell phones frequently. XXXX wants to teach consumers not to file claims. Wells Fargo needs to know that XXXX is not paying out for valid claims. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX : XXXX Policy Administrator : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TN XXXX, Tel : XXXX or XXXX XXXX email : XXXX XXXX Website : XXXX XXXX Claim # : XXXX Filing Date of Online Claim Form with XXXX : XXXX Claim Amount for damaged cell phone, based on repair estimate : {$190.00} Damaged Phone : XXXX XXXX with phone line XXXX Date of Loss : XXXX Date of Phone Inspection with Repair Estimate : XXXX Phone Inspection by : XXXX Repair XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX, Tel : XXXX Description of Damage : LCD did not work, Power button did not work, Touch did not work, Screen was black and useless. Phone did not function. 

Repair : Replaced LCD and button, fixed touch, repaired functionality Purchased Phone from XXXX : XXXX ( order date ) Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, Tel : XXXX Wells Fargo Consumer Credit Card # : XXXX XXXX XXXX XXXX Wells Fargo Credit Cards : XXXX XXXX XXXX XXXX, MN XXXX, Tel : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( Disputes XXXX ) Complaint ID XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This is an addendum to Complaint # XXXX. 

I subsequently saw that Equifax had changed my name and address to a XXXX XXXX XXXX XXXX XXXX XXXX Florida. Obviously the " collection account '' is his which resulted in my previous complaint that you guys closed for some reason. I need my credit account corrected, and my credit score restored to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As it is any and all credit reporting agencies like XXXX and Experian grave responsibility to report accurately as the banks depend on it in which they have not. ( 15 U.S. Code 1681 ( a ) ( 1 ) ) As shown on my credit file XXXX and Experian is reporting false names and addresses on my report. As the natural person I only have one address and one name in which any and all credit reporting agencies must only report. The name that is to be ONLY reported shall be XXXX XXXX XXXX. The address to be reported shall only be the po box only on that is reported on Experian in which for some reason is not reported on XXXX which is further proof of inaccurate reporting. 
Per 15 U.S.C. 1681 ( e ) ( b ) a consumer reporting agency MUST prepare my consumer report with reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have clearly stated in writing that they must only report in accordance with 15 U.S. Code 1681 ( b ) ( a ) ( 2 ) as they must only report my only name and address I have. I do not go by any other name and can not and do not live, and never lived any place else than my P.O listed on my credit file.
Product: Student loan

With EdFinancial moving websites, they prompt users to create a new account in order to access their loan information and make payments. The problem is that when I attempt to create an account, the website brings me to an error page and simply tells me to try again later. Despite trying again the next day, the problem persists and I'm no step closer to accessing any loan information from the servicer or being able to actually make a payment.