23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a {$50.00} bill was taken from my wife by a teller while making a deposit at a local Wells Fargo bank. The teller claimed it was counterfeit and gave my wife a receipt for the bill. Over the past year I have initiated multiple phone conversations with the branch manager, district manager, and the Enterprise Complaints Management Office of Wells Fargo. To date, Wells Fargo has no policy that holds them accountable to their customer for taking a suspected counterfeit bill. 

We received an XX/XX/XXXX letter from Wells Fargo that explained there lack of accountability for our bill. They placed the blame on the U.S. Secret Service. This explanation is unacceptable. We have way of knowing nor proof that the bill was even given to the Secret Service. When Wells Fargo took our bill they assumed the responsibility to properly account for that bill, and to communicate and proof to us that it was in fact counterfeit. Because of Wells Fargo 's lack of accountability we have no idea what happened to that bill.
Product: Debt collection

I have received numerous calls from ( XXXX ) XXXX attempting to collect a debt I do not owe. The alleged debt is over 16 years old. The most recent caller claims to be XXXX XXXX calling about a " case '' that has been placed with their " legal division '' about a " petition for judgment '' that has been " filed against me '' and they will be processing through XXXX County Courts. XXXX XXXX then goes on to say it would be in my best interest to call him immediately and left a number of XXXX ext XXXX with a " case number '' of XXXX. XXXX XXXX also called my husband and left the same message implying that I had been or am being sued and a judgment has been or will be obtained against me. I have heard from family members and friends that they have received similar phone calls as well. I have explained to other callers from this number that I do not owe the debt that they are trying to collect but they insist on continuing to call me. When I do not answer the phone then they randomly call a member of my family or friend to call and leave the disturbing message. This clearly rises to the level of harassment. Further, I believe it is a clear violation of the Fair Debt Collection Practices to insinuate a legal action has occurred or will occur when it has not and they have no intention ( because they can not ) bring a legal action against me. Likewise, I believe it is a violation to insinuate there is a judgment against me when there is not. Please contact this company so that they will cease contacting me and other consumers in this manner.
Product: Student loan

I contacted AES in order to remove my cosigner from my private student loan from XXXX. I was told I was ineligible because I utilized forbearance time in XXXX. I called today in XXXX, after 9 years of on-time payments or approved in-school deferment time, and was told I would never be eligible to remove my cosigner because I utilized forbearance time. I asked how I would have known that information, they said if the forbearance was completed on the phone I would have been verbally told. I asked the representative to see if the scripted language was saved to my account. She told me it was not because I requested it on paper, shows my XXXX old memory. I asked her what could I do now, I made a decision within the year I graduated from college, before I made decent money and was in tough financial situation. I also explained to her I am significantly more stable and I am eligible for a cosigner release for my other loan also being serviced by AES. She went to check with cosigner release department and they said it would have been in my XXXX. Back to my whole concern that this was not made clear to me before I made this decision, no phone call was made to explain my commitment and how my cosigner would never be released from my loan.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/2012 and XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX : # XXXX, ACCOUNT : # XXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX  XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.
Product: Mortgage

I have been working with XXXX since XX/XX/2020 to refinance my mortagage. 
My current mortage lender is Wells Fargo. 

I was supposed to close first week of XXXX but then was told by XXXX that I have to pay the unpaid principle balance of {$6000.00}. This is the amount from 2 months forbearance covering XXXX and XX/XX/2020. I have resumed payments since XX/XX/2020 and have been current since. Wells Fargo informed me that the unpaid balance will be in a non-interest bearing account and added to the end of the loan. Wells Fargo further explained that I can not pay the unpaid principal balance before we acquire an approval from XXXX XXXX. The request was made XXXX XXXX and since then I have been receiving contradictory information from Wells Fargo. At first when the request was submitted I was told, it will be 4 to 10 business days, then was told XXXX XXXX does not grant these requests and then was told we are still waiting on XXXX XXXX. I was also advised by XXXX XXXX that I have to pay the full mortgage first before I can pay the unpaid principle balance. I am trying to refinance so I can shave off {$300.00} per month in mortgage payments. This is much needed as my husband is without a job at the moment. I called XXXX XXXX asking them to confirm if it is true that I can not pay the unpaid principle amount, the customer representative from XXXX XXXX said this should have been explained by the mortgage lender Wells Fargo and that it is their responsbility to communicate with you. XXXX XXXX promised to get back to me but I have not heard back as of today. 

I fear Wells Fargo is in my way trying to refinance my mortgage. I am now having to pay another mortgage payment to them missing out on the {$300.00} in savings not to mention refinance application fee of {$500.00}. I have left Wells Fargo numerous messages and spoke to many customer representatives and manager from mortgage dept and home preservation and others. I still do not have a resolution or a solution. All I need is for Wells Fargo to provide me with the instructions needed to pay off the unpaid balance so I can refinance with the new mortgage lender. Otherwise I fear I am hostage unable to refinance. 

The terms of the agreement sent to me by Wells Fargo and on XXXX XXXX XXXX website is that the amount deffered can be paid at the time of refinance. I am trying to refinance and Wells Fargo is not abisding by the terms of the agreement.
Product: Debt collection

XXXX has allowed a fraudulent credit collection agency to add an account to my credit repot without validation and my knowledge I do not owe XXXX any funds. I asked that this be removed from my credit report. please investigate this collection company. This company has no right to put this unlawful act in my credit report. Please assist me. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX All consumers be aware of these people
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received an alert from XXXX, Equifax and XXXX  about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to HIPPA. XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Student loan

My loan was transferred from XXXX to FirstMark Services in error because I had refinanced the XXXX loan with another company before FirstMark began servicing the loan in XX/XX/XXXX. I should have never had an account with FirstMark because I had refinanced before XXXX transferred the servicing of their student loans but the payment from the refinancing wasn't transferred with the loan. This left an open balance on my account with FirstMark PLUS I already had refinanced the loan with a different servicer. 

I first called FirstMark services on XX/XX/XXXX to get help and to date, XX/XX/XXXX, it is not settled. My one student loan had magically duplicated and I was making double the monthly payments. Finally, on XX/XX/XXXX XXXX submitted a payment dispute and FirstMark discovered they had credited the payment from the refinancing to the wrong account. They finally credited my account and now there is an overpayment because I had been making monthly payments. FirstMark owes me over {$500.00} and I have been asking for the refund since beginning this whole process in XX/XX/XXXX. 

I have contacted FirstMark Services XXXX times since XX/XX/XXXX trying to solve this account issue. I have a running log of every phone call made and what was accomplished ( or lack thereof ) in each phone call. Every time I am given a different answer or an answer that contradicts the last person I spoke with. I just want the money that is due to me and to be DONE WITH THIS COMPANY FOREVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, XXXX account number XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.
Product: Mortgage

I was preapproved on XXXX XXXX, 2016 for a mortgage by Chase. It was based on the credit bureau in hand and the information I gave on the credit application data being verified as well as an appraisal being performed. I was declined on XXXX XXXX, 2016 NOT because Chase could not verify data or because of a bad appraisal but based on credit bureau information in hand 80 days before denial. I put in a complaint and I was called by " Chase XXXX '' in XXXX, OH. They could not find me in the system ...
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$300.00} XXXX XX/XX/year>
Product: Checking or savings account

My paycheck is typically deposited early by Capital One bank into my XXXX Checking Account. XX/XX/year>, there were no funds in my account and the app stated 'experiencing technical difficulties ' even though the Capital One website showed their sites and app working functionally. I called Capitol One around XXXX and was informed by a CSR that 'they are working on the issue and will have things resolved by the end of the day. ' She could not provide me with what the issue is or a better ETA of when my paycheck will deposit into my account. Single mom of XXXX and XXXX kids with XXXX ; I can not go without money in my account for more than a day. This is unacceptable from Capital One.
Product: Debt collection

My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN on this profile remains incorrect despite me having mailed Experian copies of foreign passport, ITIN letter by the IRS and bank/credit card statement. 

Experian kept using my XXXX SIN instead of my US TIN despite me having advised them multiple times to fix this ( and they refused listening, refused correcting from any means!!!! )
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. XXXX XXXX XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

FCRA violations Not mine not my credit card XXXX  XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$25.00}, XXXX written off. {$25.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$25000.00} Never late on these accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX not my loan XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$53.00}, XXXX written off. 
never lived here XXXX XXXX XXXX # XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KY XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX  XXXX LA XXXX Resident type - XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family not my names XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

I checked my credit report on XX/XX/23 because I was denied a car loan due to a collection account. The collection agency is CCI for a XXXX XXXX XXXX. I moved away and was no longer in the service area for their service. I did not have a past due bill with them. I believe someone obtained service in my name, but this account does not belong to me. Nor should it be on my credit report. I filed a police report and was encouraged to file a report with CFPB.
Product: Checking or savings account

15 Years Ago I had opend a Checking Acct with now which is ( XXXX XXXX ). In XXXX I had unexpectedly gotten a call from my landlord saying I had wrote him a bad check I do n't write bad checks if I do n't have it I will tell you I do n't have it and my credit score is over XXXX, after I had sent other checks out as well. Was n't sure if it was me reading my statements wrong or not so I went I got a print out directly from the Bank. The Print out had show 'd both ( Positive+Negative ) to my acct?? I had also deposited enough to cover all checks atleast per there statement that I was reading and thought. I kept getting overdraft letters in the mail and went to an Attorney, I was told to get out of that bank and since their was no ( Bank error notification ) on their print out then I was n't legally responsible for any fee 's. I switch 'd Banks and stop 'd all activitys with TD Bank. I had then went to XXXX Managers gave them their debit card back and had also made 2 phone calls from them and demanded all {$250.00} fee 's be waive 'd so I can close the acct officially. I was laugh 'd @ and told no. I told them I was taking Legal Action and also notifying cfpb. They did n't care and then said my avg daily balance was {$1.00}??? and when talking to them they tried to ( Trick ) me into admitting I was purposely writing bad checks and when it did n't work they then wanted to get their Fraud division involved to clear me and see if there was a possible theft going on.I said no and took action. I 'm reporting this for others to be aware of and to get this acct officially closed and fee 's waived which never should have been givin to begin with.
Product: Bank account or service

Dear CPFB, At this point I feel as though I have no other choice than to involve a third party in order to get Citibank to cooperate with me and listen to my valid complaints. First and foremost, I have what was supposed to be a free checking account that I 've held for almost fifteen years without incident, but now almost never use. There appears to be many fees from Citibank attached to this so-called free checking account that I do not understand. Furthermore, when the account for some reason despite almost never being used became overdrawn, perhaps in part due to these mystery fees from Citibank, Citibank did NOT notify me. Instead, they allowed my overdraft account to become totally exhausted, in order to charge me additional interest and fees on the account, that much is clear, but rather than call me when this occurred, they sent me a letter which looked like an ordinary statement rather than call me. Citibank has claimed in said letter that they no longer have my contact information, even though none of it has changed in over ten years. This is either false on the part of Citibank, or it shows extreme incompetence in terms of their record keeping. 

The most egregious part, is that even though I sent a certified letter to my branch begging them to please call me to answer my questions, they have ignored my request and instead reported my as DELINQUENT to the major credit bureaus. Without one phone call, and I have banked there for almost 15 years! I have very good credit, pay my bills on time, and have never been delinquent on a payment in my life, yet Citibank who I believe has a lot of explaining to do to ME in terms of this account has RUINED my hard earned credit. 

This should not be allowed to happen. They should be investigated and they should provide me with the answers I am seeking. I can only wonder how many others may be getting treated like this by a major financial institution who seems to think they have no accountability whatsoever to their customers. 

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

The following collections account and debt listed on my XXXX XXXX, XXXX and Equifax credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}