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

Called Wells Fargo 's XXXX  number they told me, instead of depositing check at teller, I can deposit in ATM, and it would be treated the same. 

Then Wells Fargo did not treat it the same and charged me a {$12.00} fee. 
Wells Fargo Acc # XXXX. Deposited check in ATM on XX/XX/19. This was the last date it could be deposited. Wells Fargo apparently has the practice of treating an ATM deposit as actually deposited the next day. And so on XX/XX/19, Wells Fargo treated the check as deposited on XX/XX/19, one day late, and charged the account {$12.00} fee. 

Wells Fargo should not have told me an ATM deposit is treated the same in every way as a teller deposit. It should have told me it treats the ATM deposit as occurring day later than a teller deposit. If I knew so, I would have made deposit at teller instead of at ATM. 

I was wrongfully charged this {$12.00} fee.
Product: Credit card or prepaid card

To whom it may concern. I am filing a complaint regarding my experiences with PNC. I opened an account around XXXX of XXXX from that time on I have kept a minimum balance of {$500.00}. In XXXX of XXXX, I opened a secured credit card and put {$500.00} down instead of the {$300.00} minimum the representative asked for. For the last six months, I have maintained at least a {$5000.00} balance in my account and have made all six secured credit card payments on time. Last week I was in PNC XXXX XXXX Branch in Maryland and was proactively solicited for an unsecured credit card. The associate was aware of my relationship with the bank and stated I would be eligible for an unsecured credit card. My current credit score is XXXX. They have denied my request for a credit card and have denied my appeal.
Product: Debt collection

XXXX contacted my husband, my sister, and myself and told us that I had done something illegal and criminal and that they are going to serve me with papers and sue me. They advised that they are a litigation firm and that they are going to start legal proceedings. They have been advised to cease contacting my family and my self and they have contacted my family XXXX other times after they were advised of this.
Product: Payday loan, title loan, personal loan, or advance loan

Received an email at XXXX, thanking me for my application. Received an email at XXXX, account ready to finalize. Received phone call at XXXX, they left a voice mail asking for me to call them back to finalize the loan. I returned the call at XXXX stating that I did not request the loan and to remove it. They replied, okay so you're not interested? I said, No, I never applied for this and please put some kind of alert on my account that there was fraud here.
Product: Student loan

I received a letter from XXXX XXXX saying that I owe XXXX dollars. When I go to the school they say they do n't know where the balance comes from I owe XXXX. I should n't owe anything at all. There was a natural disaster that caused me to have to drop classes for the last two fall sessions. Last year they charged me back for my classes but I still had to repay the loan so I was charged 2x for the classes. This year they reversed my loans all together then doubled the amount but I am still repaying the loan to the state. I need help to get this resolved. I should n't be being charged anything back because of the natural disaster
Product: Student loan

I am an authorized payor on my son 's Nelnet account. When signing into their portal, it says no payment is due at this time, but daily interest continues to accrue. My understanding is that under the XXXX plan, his payment should be no more than XXXX XXXX  of his discretionary income, which with what he makes is about {$12000.00} annually, so should be close to {$100.00} per month. I have been trying to get in touch with customer service at Nelnet for over XXXX weeks now, calling every day at different times and holding on their automated system for up to an hour and half. No one ever comes on for me to ask a question of. Their chatbot can't answer the questions I have. This morning, I got up early to be first in line to speak with someone, the automated system said my call should be answered in XXXX minutes. I have been on the line now for XXXX minutes, and it now says my call will be answered in approximately XXXX minutes. I want to know how much I need to pay under XXXX to qualify for the benefits of the program, and to prevent the loan balance from continuing to grow. I want the loan servicer held accountable for their lack of competence and inability to service customers. This is a train wreck in slow motion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is reporting on my XXXX XXXX  and Transunion reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.
Product: Debt collection

I never had a contract with this debt collector for any debt. On XX/XX/year>, I requested a debt validation letter, but the collection agency never sent me the debt validation letter. 

The debt collector has failed to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
XXXX that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please have this collection deleted after the investigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result Identity theft. I never gave written consent for any company to share my non public information to a third party.

15 USC 1681 ( b ) permissible purpose a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. 

I demand TransUnion and XXXX to provide a contract bearing my wet ink signature to furnish any information on my behalf. Failure of such contract shall result in these following accounts in the attached letter to be blocked and removed within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXXXXXX XX/XX/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  {$990.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing A complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E.These actions has cause significant inconvenience and financial loss and I seek appropriate resolution as my account was closed out for fraudulent activity and the chat couldnt tell me what was fraudulent when the account was only used for close friends and family.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXXXXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX, XXXXXXXX XXXX XXXX  Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : XXXX XXXX XXXXXXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in three separate letter requesting that an investigation on the address on my report. 

I live at my current address and there should not be no other address on my report. 

XXXX is reporting : XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Transunion : XXXX XXXX XXXX XXXX XXXX GA XXXX These jobs are not mines either, XXXX XXXX and walking into destiny
Product: Debt collection

I built a home in XX/XX/XXXX to XX/XX/XXXX. I moved into my new in XX/XX/XXXX. XXXX home security came out throughout the community seeking new business in my community on XX/XX/XXXX. XXXX offered to pay any home owner 's activation fee if we used their home security system. I accepted the offer and they install the system the same day. On XX/XX/XXXX, my front door came open around XXXX which was frightening. 

I called XXXX the next morning and reported the incident and ask them to send someone out to check the equipment. They said that they were backup with calls and they could send someone out on XX/XX/XXXX, I told them fine, and they did not given me a time, just that they would be out on that day. On XX/XX/XXXX, I had some business to take care of and I told my sister that rep. from XXXX was coming out to check the equipment and watch what they do. After the rep check the equipment she notice the lock was not going into the door jam all the way, she took out her screw driver and gouged a deeper hold into my door jam, my sister had walk away and when she return, she could not believe what the rep had done. I called XXXX they said send photo, I did, they said they would cut below and above the damage area and glue it back together, I call to cancel my account. They said I had to go on line to cancel my account, I could not get into my account after I call to cancel my account. I filed a compliant with the federal Trade Commission and the XXXX. I have emails from the XXXX. XXXX sold the account to perfection collection and it showing on my credit as a collection.
Product: Credit reporting or other personal consumer reports

EQUIFAX has been given notice by my XXXX that they are in violation of my XXXX consumer rights. They have still not performed their Fiduciary duties to ensure the accuracy of the consumer report and file. They have failed to provide written proof of my Trusts consent to furnish any information. 

. This dispute is based on the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 USC 1681a ( 2 ) - Exclusion of transactions between consumer and creditor.

2. 15 USC 1681b - Permissible purpose law.

3. 15 USC 1681e ( b ) - Duty to ensure accuracy and completeness.

I. Unauthorized Information Pursuant to 15 USC 1681a ( 2 ), all transactions between me and the creditor are excluded from my credit report. However, my review reveals unauthorized information still present. I request immediate removal, as it violates federal law.

II. Inaccurate Information Furthermore, I've identified inaccurate information. In accordance with 15 USC 1681b, I request documentation supporting accuracy. Specifically, I demand : 1. A signed affidavit under penalties of perjury attesting 100 % accuracy ( 15 USC 1681e ( b ) ).

2. Proof of written consent from me authorizing information collection and disclosure.

3. A completed Form SSA-89 with a wet signature.

III. Initial Investigation I take issue with your agency 's failure to contact me during the initial investigation to validate disputed information. This oversight violates 15 USC 1681i ( a ) ( 1 ), requiring reasonable reinvestigation and direct consumer verification. 

IV. Legal Precedent Recent case law supports my dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit reporting agencies must ensure accuracy ( XXXX XXXX XXXX  ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer consent required for information collection ( XXXX XXXX XXXX ). 
- XXXX v. Equifax Information Services, XXXX ( XXXX ) : Agencies must conduct reasonable reinvestigations ( XXXX XXXX XXXX ). 

Additional resources : - Federal Trade Commission ( FTC ) : Disputing Errors on Credit Reports - Consumer Financial Protection Bureau ( CFPB ) : Disputing Errors on Your Credit Report - Fair Credit Reporting Act ( FCRA ) : 15 USC 1681-1681x.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

In XX/XX/XXXX I went to ER. The ER visit became an issue with XXXX XXXX XXXX as they are not honoring their contract. I tried to work this out with Insurance Carrier, and XXXX Hospital for 8 months now. 
I filed an appeal with my Insurance carrier. The Hospital apparently was not told to put my account on hold while the Insurance carrier reviewed the case and my case ended up in collections. XXXX XXXX XXXX is the collections agency calling  me. They ask for me and then demand personal info from me like date of birth, social security info, address to gain access to why they called. I was outraged and explained I would only give my birth date as I do n't know who they are. Upon giving my birthdate they tell me they are a collections company. 
I did not know my case went to collections initially and had no idea who they were. I called the hospital and they confirmed the case went to collections. The hospital also told me that my insurance carrier continues to not pay their bills or honor their contracts and to contact XXXX XXXX the XXXX XXXX and fire safety commissioner and I have and the case is being reviewed. 
When XXXX XXXX XXXX called I asked multiple times for them to send me a bill. They have not and told me they will not. I initially asked them about payback amounts and they refuse to work with me. They are telling me of the over {$5000.00} bill I will have to pay them back over {$400.00} a month for 2 years and again refuse to send me a paper bill so I can see the breakdown amount or confirm who they are. I have no indication by these phone calls they are who they say they are. They have called me every week at least 2 times even after I explained what I was trying to accomplish with the Insurance Commissioner as the case is in dispute and I have to wait for the outcome. Now todayXX/XX/XXXX they have called my relatives demanding they inform me of their call and to have me call them back. At this time I have blocked their calls and I will not speak with them. 
This company is not professional in demeanor, uses illegal tactics and has no regard for the situation.
Product: Mortgage

I started the application process in early XXXX needing the money by mid-XXXX. I was told that there would be enough time. I submitted everything through the first Bank of America representative I spoke to. Soon after I was contacted by another person ( XXXX XXXX ) and provided more needed information. On XX/XX/XXXX I recieved a voicemail saying she had received everything and nothing else was needed at that time. I still have this voicemail. After not hearing from Bank of America for a couple weeks I started calling and leaving messages but no one contacted me. Toward the end of XXXX I tried calling a different number and finally spoke to someone. I was told my application was cancelled due to missing information. I spoke to several people and they all admitted that the loan processor had dropped the ball. They had to start the process completely over. My loan was to be used for college tuition for my daughter. Since the 30 day delay happened my loan was not closed in time and I had to use a credit card to pay. The college charges a 3 % fee for using a credit card and I believe that due to Bank of Americas lack of diligence processing my application I should be reimbursed for this. I spoke to the manager named XXXX and he said he was sorry, but Bank of America is not able to reimburse any fees caused because of their actions. I feel very strongly that I was financially damaged by their actions and want this remedied. I am not asking for any additional compensation at this point, just the reimbursement for the fees. Total was {$720.00}. If this has to go to a court I plan on hiring a lawyer, adding those legal fees, and asking for punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to Arvest Central Mortgage Company in XXXX. I received a bill from Arvest stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with Arvest in XXXX, and a few days later on XX/XX/12 the loan was paid off in full. 

In XXXX, Arvest reported the loan as delinquent with the credit reporting agencies, including XXXX, XXXX and XXXX. I contacted Arvest and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on XXXX  on XX/XX/XXXX. On XX/XX/XXXX, Arvest again reported to XXXX  that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from Arvest ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get Arvest to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.
Product: Checking or savings account

I'm a government employee and I get paid monthly yesterday after I made a deposit to Bank of America located on XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX time. I received a print out receipt that shows that my money would be available until XX/XX/XXXX. I contacted the bank on XX/XX/XXXX after my deposit was made, I spoke to supervisor XXXX  who informed me that she was not able to assist me and that I had to wait until XX/XX/XXXX. I called the following day XX/XX/XXXX at XXXX XXXX  I spoke to XXXX I asked her about the Bank of America Policy in regards processing length for government checks at the begining of our conversation she said agree that It was withing one business day then she stated that it was about 7-10 business days. I email tried to contact Bank of America Branch where I made the deposit, I spoke to XXXX and she connected me to Customer service department where I was connected to a representative who's name is XXXX and she informed me that I can't have access to my funds until the XX/XX/XXXX, my mortgage and most payments are due on XX/XX/XXXX. My bank account shows as overdrawn. After contacting the bank multiple times no one is able to help me.
Product: Credit card or prepaid card

Call back in XX/XX/XXXX account had fraud activity and it is now XX/XX/XXXX and i  still have not received a card, Called on XX/XX/XXXX to get a check authenticated but i found out today that they put the wrong check number in the system. While i had the rep on the phone i asked could they send me another card and they are telling me now i have to send in paperwork in order to get my address changed which i didn't have to do the first time i got it changed. This company is giving me the runaround for my own money and i have bills to pay i have been more then patient with this company i just want my money.