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

Wells Fargo made two UNAUTHORIZED TRANSACTIONS from my checking account. 
In the first instance they failed to pay my mortgage as instructed on XX/XX/19 without informing me. 
In the second instance they paid my mortgage several weeks later o XX/XX/19 w/o informing me. 
Subsequently they closed me out of my account and invalidated my debit card leaving me financially disabled.

Three visits to my branch and TWELVE HOURS ON THE PHONE WITH ESCALATIONS DID NOT RESOLVE THE PROBLEM. THEY REFUSED TO PROVIDE A TIME STAMP WITH THE ORIGINATING IP ADDRESS. THEY TOLD ME TO GO TO THE POLICE, FILE A CRIMINAL COMPLAINT AND SUPOENA THE RECORDS. 

My account was and is adequately funded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent activity on my XXXX card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
Product: Credit card or prepaid card

I applied for an Ulta credit card XX/XX/XXXX, I was approved so the {$75.00} would be charged to my new credit card. I never received the card or a bill.. It wasn't until I received an alert from credit monitoring on XX/XX/XXXX, that I was able to find the customer service number and pay the balance on the account which was now {$100.00} from late fees. I informed them that I still haven't received a card or a bill it isn't fair to charge me fees. She did nothing. The next day ( XX/XX/XXXX ) I was charged a {$2.00} finance fee. Still no card or bill, but I did receive a {$30.00} late fee from XXXX for paying the balance in full 4 days late, a late fee on the {$2.00} finance fee, {$40.00} late fee on XX/XX/XXXX and a {$2.00} finance fee XX/XX/XXXX, a {$41.00} late fee on XX/XX/XXXX, {$2.00} finance charge XXXX-all for an account that they assured me was paid in full on XX/XX/XXXX, again no card, no statements and no new purchases-just a huge drop on my credit score for non/late payments which I never do. So again my credit monitoring alerted me of the negative reporting and I looked it up and on XX/XX/XXXX paid the entire amount all late fees and finance fees totaling {$120.00}! I made the representative confirm there would be no additional fees and please close my account, their business practices don't seem ethical or legal. On XX/XX/XXXX, I received a letter from Comenity Capital Bank stating my account is closed, current balance is {$0.00}, but on XX/XX/XXXX I received my first bill ever with a {$2.00} new balance due XX/XX/XXXX or a XXXX late fee will be charged ( on my account that was closed and had a XXXX balance ) and the lady confirmed today my card still has not been activated!!
Product: Checking or savings account

Since XX/XX/XXXX I have been charged {$17.00} per month as a monthly maintenance fee by US Bank. Several criteria, including deposits and lines of credit, were in place to have this fee waived. Beginning in XX/XX/XXXX the fee stopped being waived, with the exception of a few months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). A total of {$680.00} has been charged incorrectly and this was discovered just recently as my wife and I were looking into why we would continue to have to pay the monthly fee. US Bank refunded only 3 months worth of fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after we brought this to their attention but refuse to repay the remaining {$680.00}.
Product: Debt collection

Hello I have a bill for a cell phone i took out for a friend of mine in 1999 the debt is on my credit report as a civil judgement. I called the collection agency bcs i stalled on paying back bcs like i said i did not feel i should but i know it is my social and my information on the debt. it was originally {$850.00} and that is on my credit report. Now i called them and they want to charge me a daily rate of 4 % on the balance which according to them is {$1800.00} they wont stop the intrest accruing daily or work with me to reduce the debt i want to pay off. 

Can you help me.
Product: Checking or savings account

XXXX XXXX, my direct deposit paycheck of almost {$1300.00} was not showing up. In either my savings or checking. ( According to social media posts there were technical issues. It is going on for 3 days, an email was sent out last night ( XXXX XXXX ) at about XXXX pm. Hold times to speak to someone is hours long. And no updates are given. All that is said is hopefully it will be fixed soon. People need their checks and we have no access to them!
Product: Debt collection

I cashed a check that was sent to me and was never contacted by the company. I finally got ahold of them and they were rude from the beginning. They changed to terms of the loan from the beginning I tried to explain to them that it was wrong and was told to just make my payments. I started getting emails and I sent them the original contract and the copy they sent me and told them I wanted it fixed. They did that and the rudness got worse the due date was changed. I explained I was not due till the XXXX of the month and a lady said nope that was changed your do on the XXXX or XXXX remember. I told her I would pay it on the XXXX and she told me it was to be made that day. I've reviewed many voice-mails and today I received a text message from XXXX saying " XXXX this is Atlas Credit. We have tried every way possible to contact you and work with you regarding the payback on this account and you have failed to respond or pay. So now we are texting you to inform you that we will be filing a judgement on this unpaid account. You have until XX/XX/22 to call or come by the office and get this account taken care of or we will be filing with the courts on XXXX " I refuse to call and be spoken to the way they do.
Product: Checking or savings account

On XX/XX/2019 I opened online a checking account with Bank of America ( routing number is XXXX, and the account number is XXXX ). I did this so some one can easily pay me. On XX/XX/XXXX, I received an unusual letter ( see attached ) from them dated XX/XX/XXXX threatening to close my account on XX/XX/XXXX unless I provide them with my date of birth. The letter had an identification number of XXXX and a control number of XXXX. I called the number on the letter XXXX three times. The first time, the person I spoke with insisted that I answer what seemed like an exhaustive list of questions about my personal identify ( such as my address, last four of my social security number, my phone number and my date of birth ) that I had to answer to her satisfaction or my account would be closed. I provided this information to this person several times but she was not satisfied, so I asked to speak to a Supervisor. I eventually spoke to Supervisor XXXX  in the Know Your Customer center, and he unable to resolve this issue. The second time I called, I spoke to XXXX, provided him the information, he told me I was done and everything was OK. After my call with XXXX  ended, he called me back and said I had to provide it again. I asked to speak to his manager, and he refused because he said all the managers were busy. So I called XXXX a third time, spoke to XXXX, provided her with all my personal identification information, and when she said that I satisfied the demands of the XX/XX/XXXX letter, I asked her for either a confirmation number or an email for proof that I satisfied the letter of XX/XX/XXXX and that my account would not be closed on XX/XX/XXXX. XXXX was unable to provide me with either.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor Exeter Fin XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, ( XXXX ) and XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) has violated my rights under 15USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604A Section 2 it also Sate a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor my not treat a payment on a account under an open end consumer credit as late for any purpose
Product: Consumer Loan

This account was including in a chapter XXXX bankruptcy in XX/XX/XXXX and was discharge in XX/XX/XXXX. They repossession the car and sold it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed several inquiries with equifax but they failed it investigate the inquiries I am disputing. These inquiries are a result of identity theft and are affecting my credit. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX, You are required by law to investigate these inquiries, and or remove them if no proof was given that I ran or authorized these inquiries.
Product: Mortgage

We have been back and forth since XXXX with your reps in reference to our mortgage payoff and escrow reimbursement. We had requested a Forbearance due to Covid-19 during this time we decided to payoff the mortgage and requested a payoff and forbearance until the checks could be cut to payoff the mortgage. On XX/XX/XXXX called and confirmed the payoff as {$99000.00} we had XXXX   XXXX  cut checks for {$75000.00}, {$15000.00}, {$4000.00} and XXXX totaling {$99000.00} plus the {$160.00} escrow. Since we owed nothing but mortgage and had included the extra funds due to a bank error. Our refund should have been closer to {$1000.00}. On XX/XX/XXXX we found that my account which had the last check had been locked for fraud. So they forced us to pay {$5400.00} claiming that was what we owed. It turns out they received our payments on XX/XX/XXXX via XXXX XXXX  and never applied the payment to anything but what was holding for forbearance.I am not sure how they continue to get away with such creative accounting but it is fraud all day long. The last complaint we filed a rep called us from Wells Fargo and yelled at me in front of my husband because that was out 3rd complaint. I have health issues and can not take them calling and yelling at me again. They DO NOT LOOK AT THE ACCOUNTING they recently foreclosed on us and wiped us out financially to keep our home.I have excel sheets that prove what we should have paid and what we have been charged. They will not fix the situation and continued until the last payment to rip us off. Something needs to be done.They claim is banking practices but I spoke with XXXX XXXX  and what we have been told these are not proper practices the lying about contacting us alone is illegal. The list of what has happened since they took over our mortgage no one should have to go through!
Product: Bank account or service

I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. 
Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. 
I would like an formal apology from Wells Fargo and she should be disciplined by management.
Product: Student loan

My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider.

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one Equifax and XXXX never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for XXXX XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation.

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : 1. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts.

2. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly.

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

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

I am applying for an equity line of credit and during the application process, my banker identified an account from XXXX XXXX XXXX XXXX. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called XXXX XXXX on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. XXXX XXXX tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to Equifax, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXXXXXX XXXX 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in XXXX credit card department on several different occasions regarding the issue. XXXX advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called XXXX on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Product: Debt collection

The school told me i would n't be having to pay back but the debt collectors said they didnt care
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
Product: Debt collection

Missed appointment medical charges from XXXX XXXX, which were paid in in full in person at the clinic during a later appointment.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' The consumer reporting agencies and I XXXX XXXX ( a living person ) the XXXX. I have the right to make sure my private information is not shared which is on your website backed by 15 USC 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies do not have my consent to furnish this information, I XXXX XXXX did not give written consent. 
Any and all consent to credit reporting agencies, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Credit reporting agencies are not maintaining reasonable procedures.
Product: Credit reporting

Equifax is holding XXXX mortgage accounts on my credit report well over 10 years since they were paid in full. Evey time I try to dispute them they change the date reported to a new current date and tell me they now have to stay on my report another 10 years. This will make them over 20 years old. I have called both lenders and they tell me they no longer have records of these accounts and just report to Equifax that I did have these loans at XXXX time. This is the only credit bureau doing business this way and tell me it is their policy? I want these removed from my credit report ASAP.
Product: Checking or savings account

To Whom it may concern regarding CitiBank Case # XXXX, Claim Number XXXX On XX/XX/2023, {$4800.00} dollars was withdrawn from our checking account without our consent. After calling Citibank as to how this had happened, it appears someone had walked into the Citibank in XXXX NY, a place neither myself or my wife had ever been, and withdrew the funds from our account via the teller. An investigation was launched we received a letter stating that the claim had been denied. 

We appealed the decision. I first went to the 1st police precient in XXXX were we live and was told that since the theft happened in XXXX and is a grand larceny case my best bet was to file a police report there. I went to the XXXX police department and filed a police report and then to the Citibank in XXXX to talk to the manager. He said it was good we filed the report because now we can subpoena the footage and the card reader device to see the card used. My card never left my wallet. 

I spoke to the fraud investigation dept again letting them know I had filed a police report with which I had emailed to XXXX. I had to keep making investigators aware of the emailed report since they never know anything about it. The agent I spoke to found the email and asurred me if would be sent to the agent investigating our claim. 

My take on what has happened. 

My card was going to expire at the end of XX/XX/2023, a new card was most likely sent in the mail but we had moved so the new card went the old address and was intercepted by a fraudster. How they were able to gain my pin I dont know, I can only ascertain they were able to reset it Online or via a phone call with Citibank XXXX Bottom Line they were able to reset the pin via CitiBank The agent I spoke to this time said this was new and good information and that he would pass it along to the investigator and I would here back via a phone call. I never heard back... so I called and was told we have been denied again for the same reason. 

I again called to appeal and added subsequent information that could be applied to the investigation and again was given lip service about the new and relevant information that could help and I would receive a phone call within 24 to 48 hours never receiving a phone call. 

7 days later I received the same letter of denial only with a different date on it. its very obvious that no further investigation was ever done or is ever done. 


I have come to find out that Citi has a terrible reputation on reimbursing their customers that get scammed. We have been with Citibank for almost 30 years and have put millions into the bank via our paychecks and a home equity loan. 

The next step for us is to get a court ordered subpoena for the video footage and card reader from the XXXX NY CitiBank branch via the attorney general of NY State. 

CitiBank Case # XXXX, Claim Number XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX My information was included in the XXXX XXXX XXXX. I was reviewing my report and noticed that I have inaccurate accounts reporting to my credit report. I have no knowledge of this account or why they are reporting to my credit profile. This is considered fraudulent. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted.