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

There is financial sleight of hand & malfeasance going on at wells fargo ( again ). I have had this happen previously, and finally decided to take the time to report it. 

Whenever I use my debit card, the amount is immediately subtracted from my account. So unless there is an outstanding check or ach payment, the " available balance '' shown in the wf app on my phone should be accurate. 

On XXXX, after transferring {$270.00} to another account, my available balance showed to be approx. {$13.00} in the wf app on my phone. I then bought {$12.00} worth of gasoline. There were no outstanding checks or ach 's. 

The next day in the app, wf showed transactions having " posted '' to my " ending daily balance '' in an amount that they say left me short of covering the {$12.00} purchase and the {$270.00} transfer. So they charged me two {$35.00} nsf fees. They also paid the two transactions and claimed my balance was now - {$180.00} when it should have been positive approx {$.00} or {$1.00} The " posted '' transactions on XXXX in wf 's version of things, show to have been made days earlier, so they had been already subtracted from my " available balance ''. I keep close track of my " available balance '', so I know they had been subtracted already. None of those supposedly posted transactions that day had been {$1.00} holds as wf said to me on the phone, they were authorizations made for the full amount and subtracted from my available balance immediately on the day they were made, then subtracted again from my " ending daily balance '' when they " posted ''. 

The wf app will not let me take a screenshot. What's that about other than preventing people from easily having evidence? 

How can they charge me an nsf for having made a transfer the previous day from one wf account to another wf account? They allowed me to do it because my " available balance '' was sufficient, then the next day they charged me an nsf fee based on debit card transactions having " posted '' that night. None of the newly " posted '' transactions were ach 's or checks, only debit card transactions. 

This means they are telling me that they didn't know those debit card transactions had been made until they " posted '' days later. 

They were very willing to credit me the {$70.00} in fees and did so. But they claim I was short by approx {$110.00} when I know I was not, and my balance shows XXXX while it should show + {$.00} or so. 

This is evidence of fraud on a massive scale, from a company that has been caught cheating their customers previously. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these XXXX complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks
Product: Money transfer, virtual currency, or money service

I'm writing to ask how my Apple Cash account is doing. on XX/XX/2023 I was informed that my account had been disabled and was presently being reviewed when I attempted to log in. The notice warned that the review procedure might take up to two business days to complete. In order to access my cash, I would want to request that my account be unlocked as soon as possible. I haven't previously heard from the bank about any issues with my account. As a result, I'm not sure why my account was first locked. I want to utilize my Apple Cash money right now, therefore I'm hoping you can help me out very away. If you need me to offer any extra details so that the review process may go more smoothly, kindly let me know. I appreciate your help and time. It's XXXX for my apple id.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found 2 late payments on the dates below : XXXX 2018 I always make my payments to you when I receive the statements. The statement has obviously gotten lost in the mail and never got to me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

In 2011 Wells Fargo closed my accounts stating that I had a fraudulent deposit and froze all funds in my accounts. I went to the bank and ask for an explanation and they told me the IRS did it. I called IRS and they did not nothing about it they told me that I had to contact the back. There was no case under my name or business name. So I went back to WF and they kept insistent that the IRS made a hold. Every week I would call WF to check on the status and nothing. I than started to go to the bank so the tellers could help me and we would stay around 2-3 hours repeating our selfs and no answers. It took around 1 year and 3 months to be able to get my funds, the manager of the XXXX XXXX branch help me. We had called before and they told us to call them back in a week, so I went to the branch and called and same answer, but this time they had put my money in Unclaim funds which I dont understand, every week I was calling to check on the status. Well they told us that it would take 3-4 days to get that money and the manager told them that I was getting very upset and that this needed to be fix today because I wasnt going to leave with out my money. I request for the bank paid me interest since they kept my money for more than a year and they gain money with my money. They said no interest would be paid in.
Product: Debt collection

Midland Funding, XXXX XXXX, sends me a document appearing to be an official court document, judgment threatening garnishment. I realized they just made up the document themselves. No court issued it. It even says it was certified by the court but there is no certification. I owe XXXX dollars. They bought old credit debt. I've already paid them a lot of money and confused about what they are even trying to collect.
Product: Credit card or prepaid card

XX/XX/XXXX On XX/XX/XXXX, I made an online electronic payment from my XXXX XXXX  checking account to Comenity Capital Bank in the amount of {$200.00}. The payment was intended to be applied to my NFL Extra Points Visa credit card with Comenity Capital Bank. I have used this method of payment many times in the past for this credit card and all of my other bills. 

A few days later, I received a notification from Comenity that my payment for XX/XX/XXXX was not received. I checked my XXXX  bill pay account and realized that I made the XX/XX/XXXX payment to Comenity Capital Bank, but I inadvertently applied the payment to the wrong account number. 

My previous NFL Extra Point Visa account number was XXXX. I made my XX/XX/XXXX, payment to this account number. I should have made the payment using my current account number ending in XXXX. 

I called Comenity Capital Banks Customer Service number and spoke to a representative to explain the error. The representative said that they could not find my payment in their records and that I would need to mail in a copy of my electronic payment to their dispute department. 

On XX/XX/XXXX, I mailed a copy of the proof of electronic payment from my bank account bill pay and a letter explaining the error to the dispute department at Comenity Capital Bank. 

From XX/XX/XXXX through XX/XX/XXXX, I called Comenity Capital Banks Customer Service number and talked to several customer service representatives and managers who all told me that they received my dispute documents but were unable to apply my {$200.00} payment to my account until the investigation was concluded. Initially, I was told that the investigation would take 7-10 business days and then later I was told that it could take up to 90 business days. It seemed outrageous and impractical that the bank would receive a {$200.00} payment from me to my old closed account number but was clueless about how to transfer and apply that payment to my current account. 

Finally, on XX/XX/XXXX, I received a letter from Comenity Capital Bank stating they need additional evidence that I made the XX/XX/XXXX payment. I called Comenity Capital Banks Customer Service number and was informed that they wanted me to have my bank trace the payment and their investigation would take an addition

al 90 business days.

I can not express the frustration that I am experiencing with this entire situation. I made a payment to the correct bank that has all of my information but used the incorrect account number and Comenity Capital Bank has kept my money and is acting as if they cant find it for over 5 months now. This is outrageous and unprofessional and predatory and I want my {$200.00} payment applied to my current account and all late fees removed immediately. 

XXXX XXXX XXXX
Product: Debt collection

Dear LVNV FUNDING LLC Account number XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that acontract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX ( XXXX, NC ) use Navient to service private student loans. Navient provides misleading information concerning the loan that forces students to pay over 251 payments of {$300.00} a month for a $ XXXX loan. In return, the information is listed on the student 's credit file. The 251 payments for a XXXX  being listed on their credit reports make it difficult to obtain a mortgage, even if the student has a good payment history. It cost over {$75000.00} to pay back an initial {$25000.00} loan. Navient refuses to work with students and make it almost impossible to get out of the loan unless paying it off in full. However, still, the interest is charged daily, so the payoff amount increases substantially before they even apply the payoff check to the account. Next day payments do not even help. The payment amount changes daily. This is what is holding America back. 5 days ago they noted a different payoff of the original payoff which is {$22000.00} onXX/XX/XXXX. Today the new payoff amount is XXXX  and that is a rip off. When I initially called they gave me 10 day payoff amount of {$22000.00}. Today I spoke to XXXX XXXX  the supervisor and she stated that even though they have received it, it has not been processed yet and if it is not processed by the XXXX the payoff amount will increase.
Product: Credit reporting or other personal consumer reports

Hard Inquiry : EQUIFAX CREDIT REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( FCRA ) Section 605 ( B ) It is illegal to report information on my credit report without my permission. Remove this item from my credit report immediately. I have no accounts with those company 's. This is fraudulent activity on my credit report. 

Employment Info : EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX I have never work for those companys that is incorrect employment history and would like for this information to be remove immediately. 

My correct employment info is XXXX XXXX XXXX XXXX can you update my correct employment information immediately and remove those inaccuracies of employment info. 

EQUIFAX CREDIT REPORT Close Account : Charge off : {$1400.00} Credit Limit : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show follow ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. 
15USC 1681A ( 2 ) Stating I didnt give written permission to have this account furnish on my equifax credit report account. I would like this account to be remove immediately. 
( FRCA ) Section ( B ) It is illegal to report information on my credit report without my permission. Remove this item from my equifax credit report immediately. 
15USC 1692 ( C ) If a consumer notify a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. I ask that you move this immediately. 

Also these items are not reported on my XXXX or my XXXX Credit Report. So I need these items remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : My credit score has decreased by a significant amount due to GM Financial incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to GM Financial, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially  negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : GM Financial attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a significantly negative impact on my credit report/score. 

GM Financial attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

GM Financial then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Checking or savings account

Ally Bank has placed repeated holds on my account and says they can not remove them for an XXXX transaction and some debit cards transactions. 

This has been an issue traveling abroad in XXXX, but has persisted in the United States. 

I am back in XXXX after returning to the U.S due to this issue and can not pay for housing or food or transportation while this issue remains in effect.
Product: Debt collection

Absolute Credit has violated the FDCA as stated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) which states that my credit reports serves as a medium of communication and is thus subject to cease and desist requirements. 

In addition, the document that they provided was just a statement. Nothing stating that I have a relationship with Absolute, a binding contract, purchase agreement and/or first date of delinquency. This proves nothing and is not a form of validation of debt.
Product: Student loan

Hello, I've attempted to pay extra funds on my federal student loan with servicer, Mohela. Ive tried to pay extra amounts on my account 5x since XX/XX/XXXX. 

- XX/XX/XXXX - {$920.00} - XX/XX/XXXX - {$940.00} - XX/XX/XXXX - {$920.00} - XX/XX/XXXX - {$1200.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - Scheduled Payment Confirmation - {$910.00} A total of {$5300.00} that Mohela has not accepted from me over the course of 6 months. 

After a while of thinking my extra payments were processing, I further investigated and they were in fact NOT, and each time I was met with failure notifications via email. I tried again and still Mohela has not accepted my additional payments. 

I called Mohela in XXXX to further discuss/address this situation and a very new, unexperienced employee had no solution to my problem and told me to contact my bank as it was an issue with processing. 

I contacted my bank and they said there were NO ATTEMPTS to take out the funds. Interestingly enough, they are taking my minimum payments ( Since XXXX ) with ease according to my bank statements every month. 

I've tried again this month ( XXXX ), to pay off one loan in full this month on top of my minimum payment. I remain hopeful it will be processed and that I am not met with another Online Payment Failure Notification email. And if not, I know this poor establishment is happy to continue to rack up my interest. Horrible. 

I'm contacting the CFPB, to get this resolved and for your assistance addressing this. This is embarrassing, unprofessional and such a BIG headache for a young XXXX something who is working hard to try and get out of my student loan debt. 

I look forward to a quick solution, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave EXPERIANXXXX XXXX any written consent to report anything on my consumer report. I have already tried to solve this issue with EXPERIAN/XXXX XXXX by sending them correspondence on XX/XX/2021 and here it is XX/XX/2021 still no response. I did not request this block in error and if I, XXXX XXXX have received goods or services please have a senior executive send me a letter notarized under the penalty of perjury stating that I have received goods or services as a result of these alleged transactions in which I was not present for. Again, I did not consent, authorized 15 USC 1681b ( 2 ) nor benefit 15 USC 1602 ( p ) from these alleged transactions being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the WELLS FARGO DEALER SVC XXXX within the time set forth by law.
Product: Credit reporting or other personal consumer reports

credit collection not mine. i have never lived at this address. experian has not tried to resolve this issue.