23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Wells Fargo credit card account was closed without prior notification. I did not receive any communication from Wells XXXX my stated preference of email or otherwiseinforming me of this decision. I only became aware of the account closure upon attempting to make a payment through the Wells Fargo app. 

In XX/XX/year>, I contacted Wells Fargo to inquire about the closure. A representative informed me that the account could be reopened if I made the account current. Acting on this, I deposited {$3900.00} into the account. Despite this payment, the account remained closed. 

On XX/XX/year>, at XXXXXXXX XXXX XXXX I contacted Wells Fargo again. My call was handled poorly by an agent named XXXX, who refused to escalate my case and ultimately hung up on me. Upon calling back, I was transferred to the XXXX XXXX, given a reference number ( XXXX ), and told that a caseworker would contact me within XXXX business hours, with a resolution expected within XXXX business days. I requested email communication as my preferred method of contact. However, no contact or updates were ever provided. 

Months passed with no follow-up from Wells Fargo XXXX On XX/XX/year>, at XXXXXXXX XXXX XXXX I contacted Wells Fargo again. No changes or correspondence had been made regarding my account. I requested a copy of my original credit card agreement and verified that per the contract, Wells Fargo was required to notify me via my preferred method ( email ) before making changes to my account. Despite this requirement, I received no such notification.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to inform you that I am a victim of a recent data breach. As a result of this breach, my personal information has been exposed. I am requesting that all accounts associated with my name and personal data that may have been affected by this breach be blocked and deleted, in accordance with 15 USC 1681c-2 ( a ).
Product: Credit reporting or other personal consumer reports

I recently disputed the santander consumer account being reported on my credit report with all the bureaus and the inaccurate information came across as verified. Santander consumer USA has already been found by the CFPB as violating consumer protection by reporting inaccurate information with multiple reporting agencies.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check issued to me by the XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of XXXX into my Wells Fargo Everyday Checking Account. I followed up a week later because the funds were not in my account yet. I had a problem with them in regards to the check I deposited last month from the same entity for XXXX. I was assured after that problem was settled in XXXX that I could deposit checks with no further issues. That was not the case! They declared the check I deposited on XX/XX/XXXX counterfeit without verifying the account or availability of funds! They didn't even submit it for payment!!! Some XXXX in their risk management department marked it counterfeit so they kept my check, and refused to give me the money. After multiple calls to and from them, they keep telling me the check is counterfeit and I keep telling them they are wrong and they need to either submit the check for payment or give me the check back. They refuse to do either. The first few calls I was civil but stern because of the ridiculousness of the situation. After that, I was fed up & dismissive. To this day, this is the 6th person I've talked to, I told them they need to submit the check and gim me my money or give me the check & how this is ridiculous because I deposited an identical check with a different amount last month and that one was verified, submitted & paid after a 3 week, unnecessary hold & a lot of XXXX & phone calls. I have contacted the XXXX XXXX XXXX to cancel & reissue a new check. They are in the process of doing it & it will take almost a month! This check is to reimburse travel that was charged on my credit card which has a very high interest rate, I am now going to have to pay additional interest because of Wells Fargo 's stupidity. JUST TO BE CLEAR, WELLS FARGO NEVER EVEN CONTACTED THE XXXX XXXX XXXX TO VERIFY THE VALIDITY OF THE CHECK. THEY ARE DECLARING IT COUNTERFEIT OF THEIR OWN OPINION WITH NOTHING TO PROVE THEIR CLAIMS!!! They should not have the power to declare checks counterfeit and confiscate them without having to provide concrete proof. At very least they should be forced to refuse the check by mailing it back to the consumer and advising them why. I was sent a letter and a photocopy of the check. The photocopy didn't have any marks or examples of what made them declare it counterfeit. Just a simple photocopy. The letter did not state what reasons they are using to classify it as counterfeit either. The customer service reps don't know either. They simply say it's counterfeit whether I like it or not and I need to contact the maker of the check. It's downright ridiculous that they are allowed to treat people like this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, Transunion and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.
Product: Checking or savings account

This are the new complaint on the lies by XXXX XXXX on complaints ending on XXXX/XXXX/XXXX. On the letter you stated that the bank took a loss of {$1800.00} that was a lie because very simple that amount was taken out of my checking account balance. 
2- The claim XXXX was never closed by the bank and it is still open. 
3- A debit card is not an account and according to customer support debit cards were cancelled on XX/XX/XXXX and they never replaced it or I received it or activated.if it states that the account was closed they are refering to the checking or savings account related to the debit card. 
4- The withdrawls that took place on XX/XX/XXXX over the counter for {$600.00} and the over the counter {$2100.00} and the {$1.00} on XX/XX/XXXX why a {$1.00} on same date and teller counter that is definatley a lie account ending on XXXX. You stated that the bank confirmed it was done with a drivers license that was used as I.D . and that it was on all three transaction a debit card ending on XXXX was used as I.D . never had this debit card period. NO CONFIRMATION OF ANY TYPE ALL IT SHOWS IS ( GA TLR WITHDRAWLS ON INDICATION OF ANYTHING AT ALL AND THAT IS WHY IT IS AS PART OF THE FRAUD THAT HAD TAKEN PLACE. 
5- I have reviewed all statements on accts and there were no indications or confirmations of any type on all withdraws that took place onXX/XX/XXXX and XX/XX/XXXX including a debit card ending on XXXX and it is my proof of the fraud that had taken place there was never any teller counter withdraws by me period in all statements of my accounts. IN ADDITION YOU CAN SEE ALL THE TYPES OF TRANSFERED FROM MY CHECKING ACCOUNT XXXX TO THE XXXX in the past and what has taken place is that you the bank confirmed that there was fraud and actually verified it with letter dated XX/XX/XXXX. therefore this is very simple confimation that all I needed to do was just go on internet or call customer support and just transfer all amounts available on the account XXXX to my XXXX where I had my directs deposits and had it for quite a while. So all transactions that took place on XX/XX/XXXX and XX/XX/XXXX were all done by the bank personnel or whom ever did all previous fraud transactions.
Product: Credit reporting or other personal consumer reports

All 3 Credit Reporting Agents are reporting wrong information of my credit reporting with wrong ss #
Product: Student loan

I applied for the new XXXX program on XXXX and according to the XXXX site everything was complete, received by Nelnet, and processed. I never received any updates from Nelnet and I called on XX/XX/XXXX. After waiting XXXX hours to talk to someone, I was told they needed proof of my income. I was never notified of this. There was no email communication, phone call, etc. I also had given permission for my tax info to be transferred on the application. The representative said they needed it and that I won't be on the XXXX program for XXXX which means I'll begin accruing interest. When I pointed this out they said there is nothing they can do and that " it wouldn't be that much interest. '' I submitted my tax information and they then said application was received on XX/XX/XXXX and processing and would take 15 days according to an alert on my account dashboard. I have logged into my account regularly and last week ( XX/XX/XXXX ) it said it was processed and to expect communication. I have not gotten any communication. I still am not on the XXXX plan, but I was placed in forbearance until XXXX. 

A note, that according to the Department of Education website, my application was received XXXX and processed XX/XX/XXXX. Again, nothing from Nelnet. 

I just want to be put on the XXXX plan and begin repayment. I have tried to call multiple times this week and last week and I am just put on hold endlessly and never get through to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

My husband and I have requested a new relationship manager more than once because the one we are assigned to does not return our calls within 24-48 hours. She does not put correct updates or information that we give her in the computer system. She does not answer calls when transfered to her ext. We have spoken to others in her department more often than speaking with her. 

The other issue we have is trying to be changed from the short sale review over to the home saving options review even after submitting all paperwork. It has been 30 days from the day we made that request and sent in all paperwork that was asked for. The mortgage company have been telling us that there are no updates at this time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

This is written due to continuous misconduct and misinformation on behalf of Navient. After reviewing the promissory notes of XXXX private loans and consulting with her, we have found that she has been misinformed and was not given any explanation with regards to her loans and when she must start paying them. In addition, we have found an instance of potential fraudulent activity on one of the promissory notes. Firstly, these loans were signed to XXXX XXXX in the years of XXXX and XXXX. The loans are currently being serviced by Navient, when they were never signed to Navient. On all three promissory notes, there are no terms and conditions highlighted. The interest rate, terms of the loan, and terms of repayment are not present on any of the promissory notes. Therefore, XXXX was given these loans without any piece of information regarding the details of the loans as well as the implications of retaining them.
On one of the loans, taken out on XXXX/XXXX/XXXX. It is written under XXXX and her cosigners signatures that these are NOT ORIGINAL SIGNATURES, as highlighted on the attached promissory note. This indicates that these might have been signed fraudulently. XXXX was not told when she had to start repaying her loans. She started repayment in XXXX, between the time she took out these loans and started paying them, at least {$24000.00} of capitalized interest was added on to her balance. If she was informed correctly about the terms of the loan, she would not have this high amount of interest added onto her balance. Even though she has paid approximately 30,000 towards her loan, her balance is increasing at an extremely high rate. It is now {$71000.00}, when her original balance was {$52000.00}. XXXX has been taken advantage of and completely misinformed with regards to her loans. She is now in a much worse position than she was initially.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Indigo MasterCard, Genesis Card holder services, was caught for the fifth time now trying to get money from me that they are not owed. I have never in my life witnessed such a thieving credit card company in my life! I asked them in XXXX what the payoff amount was and they told me {$260.00}, to which I immediately sent them in a money order and was relieved in getting rid of them. Since this time they were ignorant enough to to send me a $ XXXX.and some change bill on a closed account that was paid off. Tonight they sent me an email for my XXXX statement I called them and told them my account was closed in XXXX and fully paid off. XXXX, their employee said that now I owed {$2.00}. I said why are you still attempting to charge fees to an account that was closed back in XXXX? I since called back twice and the third time tonight, this time, their employee, XXXX, stated that she would remove this fee on my XXXX CLOSED and fully paid off account and send me a letter that they would never contact me again or try to further extort money from me. I told her I am contacting their state attorney general once again and reporting their wrong doing. Please call them at XXXX and fine them or hold the, accountable for their illegal extortion towards me. I blocked them from my email too. Thank you. Best regards, XXXX XXXX XXXX
Product: Student loan

Recently XXXX transferred the student loan they claim I owe to Aidvantage  without my consent, I do not have a contract with aidvantage, aidvantage is not the creditor, and I haven't agreed to any terms with their organization. I never received the student loan amount they claim I owe, ask aidvantage to provide my wet ink signature on any document that claims I consented to do business with them. I reserve all my rights and waive none, I rescind any signature on the student loan contract. I never received just compensation. Lack of consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. Shellpoint confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that Shellpoint agreed in loan documents, in emails, and credit dispute documents this is a reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern it seems td bank and XXXX are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts appear on my credit report today without any warning. I check my report regularly, and this has never happened beforethese errors just came out of the blue. I tried refreshing the page, thinking it might just be a tech issue, but the inaccuracies stayed put. Im urging a careful review of my documents so I can put this to rest once and for all.