23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had a vehicle loan through Wells Fargo Dealer Services. I was in a position where I could pay off most of the loan and needed to do so to free up money for an anticipated new monthly payment that was coming up. I contacted WFDS and requested an early payoff discount, we haggled a little bit and we agreed to an early payoff amount. I have done this with vehicle loans in the past and not had any issues and expected this would be the same. Last month I noticed that I had a negative item on my credit report due to that account status being " collection/charge off. '' I disputed this item because the loan was n't charged off or under collection and had been paid in full per mutual agreement. They have now added remarks on this item to say " Payment after charge off/collection. '' This is still inaccurate - it still has never been under collection and was n't charged off. When I made the final agreed payment, I was ahead on payments on the loan, not behind. I never had a late payment. It was never under collection.
Product: Checking or savings account

A subpoena was issued against my personal banking information on XX/XX/XXXX.

I was not served the subpoena and Wells Fargo did not notify me of the action being taken on my personal bank account.

The legal matter in which the subpoena was a part of is a case that does not involve me or my personal property.

I am neither the plaintiff nor defendant, I am a non-party.

Wells Fargo released my information to the plaintiffs without notifying me of this action.

I did not know of the filed subpoena or the execution of the subpoena by Wells Fargo.

The information disclosed caused the plaintiffs to submit a second subpoena on XX/XX/XXXX which Wells Fargo once again did not notify me about.

I was able to file a Motion to Quash the subpoena due to notice given by a party other than Wells Fargo.

A third subpoena has just been filed on XX/XX/XXXXand once again Wells Fargo has done nothing to notify me of the potential action on my account.

I have brought this issue to the attention of Wells Fargo legal.

XXXX XXXX, a paralegal within Wells Fargo 's legal order processing department responded to my grievance on XX/XX/XXXX by written letter assuring me that there was a courtesy notice sent to me for the XX/XX/XXXX subpoena and that the liability of service falls on the attorney who filed the subpoena, not the financial institution.

I responded by stating that a courtesy notice supposedly sent by Wells Fargo was never received by mail, email, or phone call for 3 separate filed subpoenas and that I need a copy of the said " courtesy notice '' to evidence their action or else Wells Fargo admits liability.

The information released by Wells Fargo has allowed the plaintiffs to harass me through further subpoenas that cite specific information that should not have been released by Wells Fargo in the initial subpoena.
Product: Vehicle loan or lease

This is the 'second ' year this has happened. Wells Fargo Dealership Services, misappropriates my auto loan payments. I had to file a Complaint under the Consumer Finance Protection Act last year in order to get Wells Fargo Dealer Services to correct their error, which they finally did. I prepay my auto loan once a year, sending 12 month payments in advance, with a letter instructing Wells Fargo Dealership Services that these are '12 prepayments '. Wells Fargo Dealership Services ignores my request, applies my payment to principal reduction and expects monthly payments to continue. Their prior explanation is that their computer system can not accept/document auto loan prepayments, which is totally noncredible in today 's computer age. I believe they intentionally misappropriate payments in order to set the borrower up to default under the auto loan, so they can collect 'future ' late charges and penalties. My understanding is that Wells Fargo has been sanctioned by the Federal Reserve as it relates to abusive auto loan practices including poor governance, poor compliance and poor risk management. This year, I sent another letter to Wells Fargo Dealership Services with specific written instructions that I was sending'12 prepayments ' and reminding them that I had to file a complaint under the Consumer Finance Protection Act last year to get this rectified. They did it again this year, and misappropriated my payment applying the payment to principal. I called Wells Fargo Dealership Services to get this corrected, talked with two different people including the Office of the President, and the best they could do was have this investigated. In today 's computer age, ever other lender I deal with can pull up a customer profile, payment history and payments made in a matter of seconds. They were not able to do this and not able to resolve my complaint. Hence, I have filed this Complaint. The consumer should not have to go through this XXXX process just to make a payment in advance. If Wells Fargo Dealership Services is not an abusive auto lender, then it is certainly incompetent as it relates to management of its auto loans. I believe Wells Fargo Dealership Services just simply does not care about the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX Cards rewards credit card, a XXXX XXXX XXXX XXXX store card, and a XXXX XXXX XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both TransUnion and XXXX by phone, i've submitted several documents to XXXX  by certified mail, and fax, and and several attempts i was not able to be helped.
Product: Debt collection

USCB is constantly calling my cellphone multiple times per day using automated pre-recorded messages. I do not appreciate this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been letting Transunion know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.
Product: Vehicle loan or lease

I financed a XXXX XXXX the loan was for XXXX for 72 months at XXXX monthly payments. the interest 18 % first payment made XX/XX/XXXX it is now XX/XX/XXXX and we still owe XXXX we have paid XXXX. now per contract the loan is for 72 months the total loan with interest will be XXXX that in it self is crazy but my concern is that we still owe XXXX but if you take the XXXX minus the XXXX we have already paid thats XXXX so whats the extra XXXX from. also the way they applied the interest and principle is not accurate the car is not worth more then XXXX so I cant even try to trade it. also they said that in a year to come back to the dealership and they would refinace the car but when i tried they said they dont refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

XXXX is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with XXXX on XX/XX/2020 around XXXX  I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that XXXX had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

XXXX is using predatory tactics, and illegal tactics.
Product: Checking or savings account

On XX/XX/year>, I deposited two ( 2 ) checks via mobile from the same individual : one in the amount of {$1800.00} and one for {$2000.00} in my Fifth Third Bank Checking Account number XXXX. The checks were made payableto the corporation i maintained untl my retirement.I was provided with a message that the checks would clear on Monday, XX/XX/year>. On Monday, XX/XX/year>, I attempted to use my debit card, and it was declined. 

I telephoned the bank, and was told my entire account was frozen due to the two deposits. I was then told to go to my local branch to solve the problem, I visited the local Fifth Third Bank branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX telephone XXXX XXXX. The customer service representative who I explained the problem to telephoned another representative who asked for proof that I at one time held a corporation. That proof was provided. secured through the New York State Department of State, I was told it would take up to tree business days for a reply. In the meantime, my entire account remained frozen, including the funds from my social security check. 

On Thursday, XX/XX/XXXX, I telephoned the branch, as I had heard nothing concerning the problem. I was told someone would follow up and contact me. 

On Friday, XX/XX/XXXX, I received a telephone call from the branch manager. She stated that the bank was requesting copies of any invoices, which I provided on Monday, XX/XX/XXXX. I have heard nothing from the bank, and my account remains frozen, causing several regularly scheduled automatic deductions to be returned, causing me fiancila and emotional distress. 

During this time., I also contacted the person who wrote the checks, as one of the stated reasons the account was frozen waw a question as to whether the account the checks were drawn on contained sufficient funds. She traveled to her bank and was told the checks had cleared. The representative on the branch I visited had confirmed the checks did indeed clear.

This has now been going on for more than TWO WEEKS, and still no resolution, and I still do not have access t my funds totaling {$3800.00}. As I stated above, this incident has caused me severe emotional and financial distress. I have also been locked out of my account totally. I can not even respond to emails sent to me by Fifth Third bank, as I can not open the emails. 

This matter has become critical, as once again Fifth Third Bank ahd been holding my funds for two week and counting. Your assistance in resolving this matter is greatly appreciated. 

Thank you. 

Very truly yours, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Ive tried emailing, calling, chatting, and messaging and still cant get in touch with anyone. Today XX/XX/2021I tried again emailing, calling, chatting, and messaging and still unsuccessful. I really want to speak to someone so, I can get this removed off my credit. Thank you!
Product: Checking or savings account

Money was being withdrawn from my account without my approval. I was not aware of any of it. With months up to XXXX XXXX. I called my bank right away and they didnt provide any information or help with the matter.
Product: Credit card or prepaid card

Received card took me 3 calls and around 2 + hours to set up an automatic bank payment on card. They didnt take automatic bank payment on the first payment I called up to check on a promotion they offered for 100 dollars after I spent 1000 dollars on the card. The first message I received said this call would be an attempt to collect a debt. I found out they had my information and didnt use it to collect my payment affecting my credit score and the terms of the credit card they issued me which was supposed to have 18 months interest free.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Product: Student loan

XX/XX/22 : Called Nelnet to request a refund for student loan payment from XXXX XXXX XXXX Told it will take up to 4 weeks. No confirmation email received that I requested a refund. 

XX/XX/22 : Called Nelnet to verify my request has been sent as I didn't receive a confirmation. Was told they don't send emails. Was now told the refund process can take up to 6 weeks. ( no update or heads up that it will take longer, had to call and find out ) XX/XX/22 : Called Nelnet to clarify if refund will be mailed or automatically deposited in my connected bank account. Was told it will be deposited if my bank account is connected to Nelnet. Also told only people whose refund is rejected will get an email. I confirmed again that my refund request is in the system. 

XX/XX/22 : Called Nelnet to ask about update regarding my refund. No update from Nelnet 's end. Was told it will take longer than 6 weeks now. ( Again, no update regarding processing time ) Also told how they will email if request will get approved or denied. Now they said my refund will be returned via check and not automatic bank deposit, despite calling last week to confirm. 

I asked how they were processing the refund requests as I know people who requested after the date I made it and they've already had their accounts adjusted or already fully refunded. 

Representative told me she does not know how they are processed and what order they process it in. 

The 6 week mark is coming up in 2 days and she basically insinuated calling in every day won't speed up the refund process.
Product: Checking or savings account

On XX/XX/XXXX, I mailed Capital One a signed letter, which included the account number, requesting to close my 360 Savings account. As of XX/XX/XXXX, the account has still not been closed. 

On XX/XX/XXXX, I transferred the account balance out of the account, leaving the account with a XXXX balance. The account did not automatically close as is standard at many banks. Capital One does not provide any self-service options on their website for closing this account. Capital One does not offer secure chat or a secure messaging system through which I can close this account. I called the customer service phone number twice, waited on hold for several minutes, and was ultimately unable to speak with a representative because the wait time was so long that I could not continue to wait because of a serious family medical situation. Since there was no convenient way for me to close the account, I resorted to sending a signed letter on XX/XX/XXXX to the address for servicing 360-branded accounts.
Product: Debt collection

Congress Collections never sent me a notice of this debt or any chance to deny the debt before posting the collection to my credit which is a direct violation of my FCRA rights. This bill is for medical office visits which were incorrectly billed by the physicians staff. The VA covers my copay as I am an 80 % XXXX bet with XXXX XXXX as well as XXXX XXXX covered from my current job. The wrong insurance was billed. I filed a claim to have the Bill covered by the VA and it is processing. Any attempt to come after me for this collection is fraudulent and done in error. 

I asked Congress Collection to remove the collection from my credit report with all three credit bureaus and they refused is if punishable with a {$1000.00} fine. Restitution of damages to my credit will be sought. 

It is criminal to prey on veterans for collections when it has been proven they are covered by dual healthcare policies and then refuse to correct this collection during a pandemic which is making people seek medical care more often!
Product: Mortgage

We have made two mortgage payments totaling {$6500.00} that LoanCare has not applied to our account. These are the payments for XX/XX/XXXX and XX/XX/XXXX. 

We have called 12 times trying to correct the issue. They eventually hang up on us when they say they are transferring us to a manager.

We even got XXXX XXXX XXXX on the phone with a LoanCare rep to confirm the payments were processed by them.

We are getting harassing phone calls daily saying we are past due, when LoanCare has our money.

We have spent hours on the phone with them to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN BOTH RAISED THE BALANCE ON MY XXXX XXXX AUTO LOAN BY {$2.00} THEN XXXX  PUT A REMARK ON MY CREDIT REPORT FOR THE LOAN STATING FIXED RATE. SO NOW MY XXXX XXXX AUTO LOAN HAS A BALANCE OF {$26000.00}. AND THEY DID AN UPDATE WITH REPTTING WHAT XXXX XXXX SENT THEM. THEY PURPOSELY DID THIS UNLAWFUL LY I AM SENDING MY BILL STATEMENT WITH THIS COMPLAINT FOR THE MONTH OF XXXX WHICH SHOULD BE RY HE CORRECT BALANCE FOR THE XXXX REPORTING DATE. It's a woman by the name of XXXX XXXX at EXPERIAN that is the main person messing up my credit report purposely having her colleagues put in the wrong information and red flag my file. She is abusing her position and authority by doing this.
Product: Credit card

Card company is very misleading. Paid to activate card, payment went through right away. First person said XXXX and a half hours until activated. Did not work. Second person after calling back said XXXX to XXXX hours. Waited almost XXXX hours and still wasn't activated. Multiple people gave multiple different time estimates. Could not connect me to a supervisor or manager as " there were none there until later '' but when calling back that's the same answer they give every time. 
XXXX hours later, card worked twice online for very small amounts then stopped working. Called and they said it would take an ADDITIONAL XXXX hour for " the cards chip to become active '' but could not explain why it worked on the online payment. Still can't give me an answer of why it doesn't work, or transfer me to someone who could. I have called back at least XXXX more times since and every representative gives me a different reason and time frame as to why the card is not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit FEB/Gfscs Retail and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Credit reporting

Between XX/XX/XXXX and XX/XX/XXXX, my identity was stolen and was used to open an account with XXXX and with XXXX XXXX XXXX in XXXX at a fraudulent address I lived and continue to live in XXXX XXXX, Florida, although at one time I did live in XXXX. In addition, there were many many hard inquiries made using my information. I did not realize this until XX/XX/XXXX when I tried to get a loan and was turned down by my own bank of 31 years. My very good credit rating has been ruined. It has cost me XXXX of dollars in interest and I have spent many, many hours in the past 6 months trying to resolve these issues with all 3 credit bureaus. Equifax continues to report a XXXX address which is fraudulent and continues to report hard inquiries on my report despite my calls, letters, and on-line disputes.. I have filed a police report with both the XXXX County Sheriff 's Dept and with the XXXX XXXX Police. In addition, I have filed a complaint with the FTC and with Florida Attorney General 's Office.
Product: Credit reporting or other personal consumer reports

Entries on my consumer report have been wrongly tied to identity theft. I did not give written consent, including a physical signature, for these items to appear. I've previously alerted your organization about this situation. Now, I'm formally urging the swift removal and blocking of these accounts from my report. Their erroneous presence has inflicted both emotional and financial harm, misrepresenting my financial history and obligations. Should this matter remain unresolved, I'm ready to pursue legal avenues to safeguard my rights and obtain redress. This misrepresentation on my credit report has adversely affected pivotal financial pursuits, like buying a home and supporting my family 's necessities.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Mortgage

I was behind with my mortgage payments and was approved for a trial modification that was affordable to pay at the time and was approved for funds to pay the amount I was behind with. My lenders was transferred to another lender and was told they will not honor the agreement and I had to reapply and was given a higher rate with a longer term to repay it back.
Product: Mortgage

I was on forbearance till XXXX of XXXX  it ended on XX/XX/2021 I ask for extension but they denied, my loan provider is select portfolio servicing. they assign it to foreclosure