23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/14, I paid off a student loan with XXXX in full via debit card, over the phone, in the amount of {$4300.00}. Instead of applying the payment as directed the payment was distributed to all loans ( I had XXXX loans ). When I contacted XXXX and insisted the money be re-appropriated they did not close the loan instead kept the loan open as 92 % paid and charging interest. After numerous calls, they would not resolve their mishandling of my payment. Subsequently the loan is now with Navient and I am still dealing with the same inaction on this particular loan. In spite of my efforts to deal with this and the fact that I have a bank statement that shows the payment, they refuse to terminate this loan. On several occasions diverting payments from other loans I am repaying. It is obvious that this pattern is intentional with both agencies, and I don't know how, or who to resolve this matter. The amount they claim I owe is less than {$700.00} mostly interest since XX/XX/2014, but, I paid the loan in full, four years ago and feel I am being defrauded and not have to pay any further. I need to know where to turn to, so I can resolve this act of fraud by these agencies as it will unfairly affect my credit. In short, I WANT TO FIGHT BACK! but I don't where to turn sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, EQUIFAX, and XXXX  credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX A, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I never took a loan out with them. Im not sure why Im being charged that amount. Or why its on my credit report.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX I stopped by the Chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I made a cash deposit of {$2200.00} at an ATM in the bank itself. The line had been long at the time and an employee at the bank had told me that I could use the ATMs to deposit large funds. The denomination of the funds were in XXXX XXXX XXXX dollar bills. As I placed the cash in the machine, the slot closed and the machine started to whir as if it were counting the money. However, the ATM printed out an error receipt and told me to speak to someone immediately and call the claims number. I immediately showed a woman working at the bank my issue and she escorted me to someone working at a desk and told me to sign my name. In the meantime, she helped me with my second deposit at an ATM terminal next to the one that had given me an error. At the second ATM, she deposited for me {$3800.00} in XXXX XXXX XXXX dollar bills. I followed both directions listed on the receipt and called the claims department and spoke to the employees at the bank. The claims department told me they would send me provisional funds equaling the amount that I attempted to deposit and follow up with an email. I did not hear from anyone in two and a half weeks until I noticed that my funds were removed from my account on Friday, XX/XX/XXXX. I followed up with several calls to the customer service department, claims department and a few individuals from the Claims escalation department. I was told the same thing, that they had concluded an investigation and checked twice but did not find my funds. This seems unfair as I had clearly made a deposit and one of the workers at the branch had seen me do so. I was not informed about the claims process and what it would entail along with the seriousness of the investigation otherwise I would have tried to gather more evidence. Instead, I was assured that everything would resolve itself. I had called several times on XX/XX/XXXX and XX/XX/XXXX about the issue and the customer service representatives had not informed me that the investigation was still in progress, a representative had told me that the provisional funds provided at the time were there to stay. On her words, I had dismissed the situation and thought it to be resolved so I had thrown away the receipt and moved on. On XX/XX/XXXX, I had visited the branch location to speak to someone who could help explain the situation but no one resolved my issue. In fairness, Chase had sent emails to me about the investigation to my primary email but the emails were tucked away in a junk folder. But the dismissiveness by some of the representatives proved to be jarring. I provided a time and date of my deposit to the employees at the branch but was told, at one point, by an employee that they had not investigated my deposit but rather another customer 's issue from XXXX.
Product: Credit reporting

My daughter had XXXX. She needed a credit card to pay her bill. I let her use mine which was suppose to be a one time thing according to the XXXX rep. My daughter did n't pay her subsequent bill and XXXX turned her account over to XXXX XXXX services and now it is on my credit report. I have never personally had XXXX and this should not be on my credit report since IT IS NOT MY BILL. Again, I was informed and promised by the XXXX rep that this was a one time thing and that it had nothing to do with me other than I was paying for my daughter since she did not have a credit card.
Product: Debt collection

On XX/XX/XXXX I sent a returned receipt and certified letter to Calvary, XXXX XXXX XXXX, XXXX, NY XXXX. My request is to validate that I owed these accounts. In returned they sent me a letter dated on XX/XX/XXXX without any validation. They indicated " they have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow them to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, they are unable to investigate the dispute pursuant to the FCRA. '' In addition to provide more details. ( see the letter that it was sent which included all of the details I was requesting ).
Product: Credit reporting or other personal consumer reports

I recently applied for credit and was provided a copy of my consumer file from Experian. I found many inaccuracies pertaining to my personal information. The Fair Credit Reporting Act ( FCRA ) mandates that the CRAs maintain accurate and up to date information in my consumer credit file.

Per 15 U.S. Code 1561c Requirements relating to information contained in consumer reports Again, the FCRA mandates that only accurate, relevant and up to date information should be reported. Old and inaccurate personal information including incorrect names and inaccurate addresses can lead to confusion and misidentification, for this reason it should be REMOVED.

The following names need to be REMOVED : NAME NAME IDENTIFICATION NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses need to be REMOVED : ADDRESS ADDRESS IDENTIFICATION NUMBER XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX  XXXX XXXX XXXX XXXX  inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion XXXX and XXXX to obtain free annual credit reports in addition I have received the reports from transunion and from XXXX   but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them
Product: Credit card or prepaid card

I contacted SuperFleet card in regards to our account with XXXX XXXX XXXX  XXXX. We were charged a ridiculous amount in late fees on our account. The amount of the late fee was {$620.00} for one month. We mailed our payment in on time to the vendor but the mail took over two weeks to arrive and be processed by the facility. I asked for the amount to be credited since we are not responsible for slow mail service. The check was clearly postmarked and mailed before the due date. They hide this fee in a ridiculous location hoping the consumer wont see it. I pulled out other bills and saw where they charged me a late fee before. Just in this year alone the fees are {$1500.00}, with the {$620.00} included for three bills where the post office delivered and they processed the payment late. I tried to have them credit our account the full amount of the {$620.00} and they refused saying they would only credit half. This is beyond ridiculous. It is something out of our control and we should not be penalized for it. We spend $ 30,000+ per year with them on their gas card. We should not be charged a late fee when we sent our payment in on time. I would like them to credit our account and fix the issue. Because the fee was hidden deep inside the bill I don't think I would have continued to notice the fees if it had not been for the large jump in our bill so I was trying to see why there was such a large difference.
Product: Credit card

Made double payment on XX/XX/24 because I was not sure first payment went through. When I realized my error, I called number on back of card right away. Was told they could not stop payment as it was being processed and I would have to wait until it cleared my account. Payments cleared on XX/XX/24. Called back number on card and was told that I would have to wait 7-10 days for payment to process. Today I called credit card again, ( 10th day ) and was told that it is only being processed for payment today and that I will see payment in checking account in 5-7 business days. That is XX/XX/24 and 4 weeks since I made the payment. It takes 3 days to post and 17 to get a refund? Went to the bank that issued the card and whose logo is on it and was told that there was nothing they could do to help me as they use a third party processing company. Really? 1
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written Instructions.

15 U S.C 1681c. ( a ) ( 5 ) Section States : no Consumer Reporting Agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

XX/XX/XXXX I went to wells fargo bank to look into opening a Coogan account ( Blocked Trust account ) since I already have checking and savings accounts there. After they started requesting additional information for internal bank paperwork that i could not provide, I contacted my agent who told me to open an account elsewhere since that information is not a requirement for opening a coogan account. I decided to listen to their advice and told the wells fargo banker I did not want to move forward with opening an account and I declined to sign the authorization paperwork. After I left the bank I recieved a call from the bank manager who verified my reasoning for declining the account and also verified that the account was not opened and only profiles were made for myself and my son. On XX/XX/XXXX I receive an email stating my account balance is XXXX. I checked my wells fargo account and found that they had went ahead and opened an account without my authorization. On XX/XX/XXXX I called customer service and asked them to close the account because it was fraudulently opened. They said that because it was a blocked account and opened under fraudulent circumstances it needed to be investigated and provided me a case number and phone number telling me someone would call within 48 hours of hanging up. I asked if the upcoming Labor day holiday would or would not count towards the 48 hours and the representative told me that while the banks would be closed the investigation office would remain open so to expect a call on XX/XX/XXXX. I did not receive a call on XX/XX/XXXX or the following day so I called on the XXXX and found the person who was assigned my case, XXXX XXXX or XXXX, was on another call and was told that he would call me back after his call. He did not call back that day or the next. So I called again on XX/XX/XXXX and XXXX was apparently in a meeting and would call me back. The representative told me that XXXX had 24 hours to call me back and to wait. He did not call me back the remainder of that day or the next and I told the representative that I would be making a complaint to the CFPB since they opened the account fraudulently AND they were refusing to close the fraudulent and unauthorized account that I did not sign for nor request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts in which I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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: Checking or savings account

Existing complaint with ally bank. They have STILL not processed my bonus that was due on XXXX XXXX, XXXX. They have my recoded phone call stating that they would pay a {$500.00} bonus, along with getting my account opened and the request to transfer my money to their bank. They also have my messages in their system directing them to transfer {$50000.00} from my XXXX XXXX XXXX XXXX checking account to open an ally bank savings account. I wonder how many other customers they are not paying a bonus to for THEIR failure to transfer in their funds? Every time I have to contact them, AGAIN, or to contact you, the punitive damages for their failure to properly transfer my funds and to pay me the promised bonus should be increased.
Product: Vehicle loan or lease

In XXXX, 2018, I was contacted by Wells Fargo they hadn't received my payment for my XX/XX/2018. When I disputed this I was asked for proof. I explained that the clerk had not given me a receipt because his machine couldn't produce but he would send it to my email. Because this had happened before, I agreed. 

Because so much time had elapsed by the time I was finally contacted I didn't remember the exact day of the payment but I offered the week as I had always pay my account the same week since the inception.of the loan. Also, I didn't remember the exact amount but as I always paid over the required minimum by $ XXXX {$30.00}. 

I requested they verify by checking the video tape but was told I must pay up to {$1500.00} for Wells Fargo to locate my missing funds. 

I have spoken to over 10 persons from the " Executive Office '' and have gotten different untrue statements, threats and told flat out lies. Not one supervisor has ever called me even though I was told they would recall me. 

I had an individual named " XXXX '' who claimed to be the personal assistant to Senior EVP XXXX XXXX call and threaten me and my family if I didn't drop this claim. He even went so far as to make some XXXX  derogatory statements about my family ethnicity. We have received phone calls from Wells Fargo employees from blocked numbers and XXXX statements were made to a minor female family member. We believed they were connected to Wells because this account was mentioned and we were told to quit making it an issue because it wasn't that much money. 

They have opened fake accounts in my name as well as having taken money from my savings and checking accounts causing my credit cards payments to be missed. My funds will never be returned and I must accept this. I was told they would destroy my credit and they have done this. They are making false negative statements to other potential creditors and they reported me falsely to the credit reporting agencies while this situation was in dispute. Several times they violated the FDCPA and when questioned about these actions I was told these rules don't apply to their company. 

This is only partial reporting of the actions taken by Wells Fargo against us and this company doesn't do much to prevent this type of action. I even tried to get assistance from the office of former CEO XXXX XXXX. Some assistant promised this would be investigated and someone from this office would contact me. We even tried contacting XXXX XXXX the current CEO but to no avail.
Product: Debt collection

I have sent debt validation to third party. No response. I have also sent correspondence to XXXX and XXXX. I would like this to be removed from my credit report. It is FRAUDULENT! I have called, sent certified mail return receipt, letters etc and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and had an account and bankruptcy deleted BUT equifax continues to reinsert fraudulent information ... an collection for {$600.00} from att credit as well as a BANKRUPTCY CHAPTER XXXX .... these are not mine and Im uploading two credit reports to show that these items were not on my report yet magically reappeared
Product: Checking or savings account

I had money sent to my zelle from family so I can pay my bills to my XXXX. XXXX won't allow me to receive the funds that were sent to my account. It's my money and I feel as though I am being taking advantage of and I just want my money and to close my account out immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

45.8K
Product: Credit reporting, credit repair services, or other personal consumer reports

Pretaining to 15usc1681e Section b ( Accuracy of report ) it states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Since my last complaint the company stated that there was in fact a change to the account but as shown what they are reporting is still inaccurate. You cant maintain maximum accuracy with incorrect items still being used therefore i am demanding this information to be removed from my credit profile immediately