23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a credit card customer with wells fargo since XXXX of XXXX. Over that period of time I have accumulated XXXX wells fargo rewards, ( which is worth {$700.00} ) from spending on the card. I have never missed any payments on the account, and the account was in good standing. On XXXX XXXX. I got a letter from wells fargo stating that they closed my account due to 6 months of inactivity. I called wells fargo, and the representative confirmed that, that is the reason for the account closure, my XXXX rewards are forfeited, as the account is closed, and I can not get them back. I then spoke to a supervisor, trying to understand how a bank can close my card for only 6 months of inactivity. At least be notified by the bank that they will close the account, if I do n't continue to use it, and was not given any help on the matter. On XX/XX/XXXXI filed a complaint with XXXX from the executive office to either have my account reopened, or at least be payed for the worth of my points, which is {$700.00}. About a week later, she called me back stating that they can not reopen the card, and will not pay me for the value of the points.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURISH A ACOUNT WITHOUT MY WRITEN INSTRUCTIONS. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY 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: Credit card or prepaid card

I had disabled autopay for a time and paid manually. I restarted autopay two months ago only to get an alert that I was charged a fee last month. I re-enabled autopay and set up a payment before calling in and having the fee reversed. Today I got another fee notification and logged to find that autopay was disabled. I made a payment and called in again, they refused to reverse the late fee and claimed that autopay has not been re-enabled since the first time it was disabled.
Product: Money transfers

I was trying to send some money to an individual XXXX trough western union. The problem was that I need it immediately because was an emergency at the moment. However, western union asked me for a photo identification, so they will make the money available to the receiver, otherwise western union would not be able to continue with the transaction. I did send the photo id to western union after a couple days and western union said they approved and money was available to the receiver.I did not want the money to be received by the receiver anymore because I send the money already in some other way, so I want it to get my money back as it should be and I did get my money back, but they charge me for the transfer of money which I never send because I received the money myself. I called them 2 times and they told me me that they would not charge me any fees for doing that, but they did and that is my complaint.
Product: Debt collection

Received calls on the following date/times : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Answered phone first and second time to inquire as to what call pertained. They said collection was for medical payment for three payments of {$270.00} for copay to local primary care doctor office. Local health network uses electronic accounts and billing, in which all accounts are paid in full and current. Their billing department is unaware of why a collector is contacting me for this. 

I've informed the collection agency XXXX XXXX of this error and to please stop contacting me. They continue to call me every two days, including weekends.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

I've bee always on time with my mortgage payments. My provider New Rez, sent a late payment report to the credit bureau. And they haven't fix it. This is affecting me and they don't do anything about it.
Product: Consumer Loan

On or about XXXX XXXX, XXXX I contacted XXXX XXXX at Summit Financial to verbally advise that I was voluntarily surrendering the XXXX XXXX XXXX. XXXX XXXX stated that it was the holidays and that no one was available to pick the vehicle up. I advised XXXX XXXX I was able to take the vehicle back to XXXX XXXX, he told me that I was not able to do so. XXXX XXXX advised that a representative would contact me at the phone number provided to schedule a time to pick up the vehicle. I received no contact from said person, XXXX XXXX received a call on XXXX/XXXX/XXXX from a woman calling from XXXX stating that they were issuing an enforceable warrant for my arrest but did not say for what reason or why. I called on XXXX/XXXX/XXXX at XXXX XXXX and spoke with an individual named XXXX XXXX XXXX whom stated that she was from the enforceable warrant reporting/processing office. XXXX XXXX advised she saw in the notes that someone spoke with me stating I was voluntarily surrendering the vehicle but that they were headed to court this afternoon to place a warrant for my arrest for not surrendering the vehicle. I advised her that I had not received a call from anyone stating they were ready to get the vehicle and that I had no problem with them getting the vehicle. She advised that I leave the key in the vehicle and the car unlocked so someone was able to come get the vehicle as long as it was not in a gated community. I advised her that I was not comfortable with that, that I wanted to be there and receive something in writing stating that they have secured the vehicle. She stated that Summitt Financial is a large company and that I would receive something in the mail 10 days later stating that I could pay off the debt to retrieve the vehicle or advise me of the debt which was owed. I advised her that I was currently out of town but the vehicle was at the residence which was listed on contract. She stated that they had to obtain the key, I advised them to tow the vehicle. She threatened to have me arrested and a warrant issued. I advised her that what she was doing was against debt collection practices and that she had no right to tell anyone that a warrant was going to be issued nor should I be penalized nor threatened with a warrant because Summitt Financial failed to contact me to schedule a pick up time. I have the emails and I am able to obtain records of my phone log to prove that I have initiated contact with the company to secure the vehicle almost 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXXXXXX 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 a account without my written instructions 4. Account Name : XXXXXXXX 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 a account without my written instructions 5. Account Name : XXXXXXXX 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 a account without my written instructions 6. Account Name : 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 a account without my written instructions 7. Account Name : 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 a account without my written instructions 8. Account Name : XXXX XXXX XXXX  Account Number XXXX 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 a account without my written instructions
Product: Checking or savings account

My wife and I share a joint checking account. My wife 's XXXX  XXXX debit card was charged for three fraudulent charges on XX/XX/XXXX, all of which hit our account while my wife 's debit card was not in her possession ( she realized she did not have the card when alerted of the charges and all purchases made on the same card within minutes of each other ). One charge was for {$45.00} from XXXX XXXX, XXXX was for {$17.00} from XXXX, and one was for {$210.00} from XXXX. XXXX XXXX emailed and texted my wife about the XXXX charge, and they promptly cancelled her card. This occurred after midnight. Because the bank was closed at this time, she called the bank the next day concerning the XXXX XXXX and XXXX charges. They gave her provisional credit and she submitted a claim. Weeks later, they denied her claim because " the card purchase was authorized with a chip ''. My wife and I have never visited the XXXX XXXX and XXXX that the card purchases took place at. In addition, XXXX XXXX failed to inform my wife of the two of the three fraudulent charges that all took place on the same date. They have not kept our money and account secure and are refusing to take responsibility for their lack of security. You'll see in the attached photos that all of the purchases were made around the same time and on the same card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX  XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}
Product: Debt collection

I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt
Product: Credit card or prepaid card

So I was receiving emails from the credits check website and I seen that an account at Capitol one was open in my name and whoever opened the account has a credit card in my name. I've never had a bank account or a credit card or debit card.
Product: Vehicle loan or lease

On or before XX/XX/year> i mailed stellantis financial services documentation requesting clarification on as to the billing statements they were sending me, I sent an affidavit of truth and a billing error according to federal laws. I spoke with XXXX of there employees who received my documentation by the name of XXXX XXXX she ignored the facts about the documents and went on about collecting payment but never tried to address the documentation that I sent over to the company regarding clarification about the billing error or affidavit of truth. I explained to her before I can continue making a payment on this account id like stellantis financial services to address the affidavit of truth and the billing error. No one reached out to me about the documentation I sent over to the company, I've received numerous calls and email regarding payment from different employees and also and acceleration of negative information being reported on my credit report and recently they have repossessed the car also. According to federal law 12 CFR 1026.13 ( 3 ). A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXXXXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Santander consumer has been charging me interest daily on my account. I been paying late because of my financial situation but I am being charged some exorbitant fees for my account that I have been maintaining for the last 5 years. I really need some intervention on this matter.
Product: Mortgage

I started the process to refinance my home mortgage on XX/XX/XXXX. Long story short, Ally Bank asked for most recent paystubs on a weekly basis, then denied my application due to change of jobs. The first most recent paystub was submitted on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XXXX and so on. Ally Financial doe snot allow me to keep track of the documents submitted on the account, time and effort in the last 2 months to try to close these refinance seemed ridiculous. I am not certain if it is because of their underwriting department is not promptly processing their deals. I recently changed jobs which led to an increase of my monthly income to 4x more, but is a contract position for 8wks. Ally Bank asked for the proof of my contract and then denied my application, stating the contract must be for over 2 yrs. I explained to my loan officer that as a critical care nurse I do not have a doubt to be able to extend or find another contract in the midst of a pandemic. I contacted my financial officer 's manager regarding their policy to ask for most recent pay stubs through out the entire loan process but she never responded. They also have not refunded me the {$550.00} I paid in processing fee. Ally simply said " You have been denied, goodbye '' and does not realized the amount of time and effort wasted in addition to other good rates I have missed out from other banks.
Product: Credit card or prepaid card

Early in XX/XX/XXXX, I accidentally found out that our BoA credit card balance had been charged twice ( back-to-back days ) to our BoA checking account. We called a few times to have the error fixed and, eventually, one of the two balance charges was correctly returned to our checking account. In XX/XX/XXXX, however, the problem recurred ( XX/XX/XXXX and XXXX : USD XXXX ). We called several times and, eventually, on XX/XX/XXXX one of the two balance charges was both refunded to our checking account and yet recharged to our credit card new balance as " returned unpaid '' ( as well as interests and fees ), now nonsensically due on XX/XX/XXXX ). We called again, were told that it would be fixed, but never was. Even worse, the same problem recurred in XX/XX/XXXX ( XX/XX/XXXX and XXXX : USD XXXX ). Once again, we called several times, the balance was returned and yet re-recharged to the new balance of our credit card ( due in XX/XX/XXXX, we believe ). At that point, we looked back ward till the beginning of XXXX and found that, unbeknownst to us, our credit card had been charged twice to our checking account even in XX/XX/XXXX, but on the phone we were told that, after 12 months, that charge was no longer refundable. We even went to our local BoA branch, but were told they have no access to our credit card account and could not help us. This whole 18-month long ordeal is a scandal. BoA, from time to time, charges our checking account twice the balance of our BoA credit card.
Product: Consumer Loan

I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. 

On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. 

Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. 

In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them letters last XX/XX/XXXX and XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Opened Date : XXXX XXXX, XXXX Balance {$1000.00} ACCEPTANCE NOW XXXX Date : XXXX XXXX, XXXX Balance {$1800.00}
Product: Student loan

i was issued a student loan, wrongfully fired, have a child on the way, the company involved stopped paying the loan, it defaulted, was given to Integrity Asset who has called constantly and made threats in my voice mail as far as suing and garnishment of wages
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.