23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells fargo bank has continued take advantage of me as well as others that trusted wells fargo bank to help me and others to becoming financially stable. Now time and time again I told wells fargo that my checks was being direct deposit was being sent to a savings account and not a checking account. And I was not informed of all these hidden fees until the last minute. After going into the branch and having things notarized the bankers didn't tell me about all these hidden fees until now. Now this banking institution is supposed to be a professional institution now I see that it is not a professional institution and now the bankers at wells fargo bank has threatened me by saying that the reason for the call and what the call was supposed to be about and what can wells fargo bank can do for me I told those bankers how this banking institution can help I told them to tell the truth. This is institution is supposed to be a professional institution and me and others has trusted wells fargo bank to help me and others customers and consumers to become financially stable. Even the past bankers of wells fargo bank even has said that wells fargo bank was closing accounts that needed to be closed and was had been fined {$180.00} dollars for opening up XXXX XXXX accounts with out the authorization of the customers and consumers permission.so it's true that wells fargo bank loved to take advantage of people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrectly. 

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

I got an email that my info may have been accessed in the big hacking incident with Equifax. I tried to check with them on their new site made for this incident and all it told me was to check back on XXXX-XXXX-17 to enroll in the check service. Equifax has n't told me if my credit and personal Info was fraudulently hacked and their website to check it did n't even tell me that.
Product: Mortgage

My account is es crowed with NYCB and I see a significant delay in paying my home owner insurance payment. Two months back I have opted for new home owner insurance policy, informed bank about it and I made couple of call to inform them about my new insurance premium payment. Insurance agent sent them invoice but bank never paid them. I have received a cancellation notice from insurance company, I called bank on XXXX XXXX 2017 to inquire about the payment and they admitted they never paid it ( my online account says they paid premium but it was not the case ) but there a confusion from their side ( not sure what it is ). When I asked them did they get cancellation notice from insurance company, they said yes as they got it on XXXX XXXX 2017 then why did n't they act immediately? why are they waiting until I call and let them know about missing payment? I call them on XXXX XXXX, they initiated payment on XXXX XXXX ( online account says disbursed on XXXX XXXX - false details ). Today is the last day insurance company would cancel my policy if they do n't receive payment, I called bank, CSR says we need allow 7 days to deliver the check, and CSR assumes it will be delivered and insurance would reinstate the policy, who is responsible if payment is not made by end of today? what if damage happens over the weekend? Bank put me corner and I was in scary mode now, surprisingly second time happening this to me like this as Title company never paid premium amount to insurance for which I lived in home for 7 months without home insurance and no one took responsibility about it. Always CSR speaks something not sure it is recorded they assume a lot but they do n't take responsibility, they give robot type answers, not allowed me to speak to their manager when needed. But CSR gave random answers, different CSR 's give different answers. I 'm worried and I see negligence from bank.
Product: Mortgage

I purchased my home XX/XX/1999 for {$58000.00} and my monthly payments were between $ 600- {$800.00}. At that time it wasn't explained to me the type of mortgage I had. Since then, I have been switched to 5 different mortgage companies without my consent. My current mortgage company is with Shellpoint Mortgage Company and my current balance is {$150000.00}. My current mortgage payment is {$1700.00} monthly. My mortgage term is 564 months which is 47 years! I was not aware of the mortgage terms until today. It was never fully disclosed to me what my interest rates were/are or the term of my mortgage. I feel I am a victim of predatory mortgage lending. I make my monthly payments and the balance never goes down. My monthly payments go up almost every month. I am in fear of losing my home because the payments are too high and my balance is not changing.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Vehicle loan or lease

My car was recently deemed a total loss due to an accident on XX/XX/XXXX. Due to hardship, I am about to deliver in XXXX weeks, I am XXXX payments past due XXXX days. My monthly payments are {$410.00} each month until XX/XX/XXXX. The principal amount currently is {$14000.00} with a payoff valid till XX/XX/XXXX of {$17000.00}. 

The check for the total loss pending is {$8000.00}. I am aware I am responsible for the loan. However, the rep at American Credit Acceptance in the total loss department who is supposed to be a supervisor just told me, the check will ONLY go towards the principal amount and NOT cover the past due first, that I am still responsible for the {$410.00} each month for the remainder of the loan ( XX/XX/XXXX ) and there is no renegotiation. 

HOW is this even possible? Why would the past due not be covered first, then applied to the balance, then recalculate the payments with a serious deduction in payments? 

Then I asked if someone had any intentions of calling me once the payoff is posted and she replied no they do not do that. 

No wonder this place has a rating of UNDER XXXX! 

I demand they be looked into. This company is not operating with standards.
Product: Credit card or prepaid card

Our cc account was closed. We need to know how much interest was paid to Amex and XXXX XXXX in XX/XX/XXXX. Amex tells us we need to call XXXX and XXXX tells us we need to call Amex. We keep getting the runaround. We paid them money in XX/XX/XXXX. they should be able to tell us how much was interest and how much is principal. Please help us. thank you
Product: Credit reporting or other personal consumer reports

I reached out to remove myself as an authorize user from my mother 's credit account. Per the representative, I was removed and received documentation that I was removed. Best Buy is still reporting to my credit and should not be.
Product: Debt collection

The company called XXXX XXXX XXXX is representation of Cuzco Captial. Called my job and personal phone with threats of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or Cuzco capital. XXXX they stated I owed an amount why higher than what XXXX  ever had. This is also illegal
Product: Debt collection

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 

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

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. As you can see date it was Last Reported was still XX/XX/XXXX in XXXX, XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX. Date Last Active is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX repectively which make the report inaccurate and a violation. Otherwise I demand immediate deletion of this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today from XXXX that Wells Fargo Dealer Services reported that I was 30 days late on a car payment back in XXXX of 2022 and this is a blatant lie. Our car was stolen in XXXX, Police Report Filed and the car was recovered but deemed a total loss. Even when I did not have the car I still made my payments and have proof through my bank that we did. Our insurance company settled the account as a total loss and paid Wells Fargo in full and they even reported that as being paid closed and then they report us as late which is not true. This impacted my credit score for something that never happened. I called and got in touch with the XXXX Offices at Wells Fargo and recorded my call and the guy I spoke with on the recorded line even verified that we were never late on our car payment. Wells Fargo is notorious for doing cheap, crooked stuff like this. They feel that they can just do what they want to do even if it hurts others which is why I will never do business with them again. They need to be investigated and fined for doing this illegal stuff. WE WERE NEVER LATE on our car payment.
Product: Debt collection

31 USC 5118 I want to discharge all debt that I did not make I have never done business with any debt collectors because I'm the Creditors 15 USC 1602g so all attempts to collect a debt from a Creditors is not possible I need all debts removed so I can purchase property
Product: Debt collection

DEBT COLLECTOR IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE, THAT WAS A RESULT OF IDENTITY THEFT. THE DEBT COLLECTOR IS USING FALSE AND MISLEADING TACTICS TO ATTEMPT TO COLLECT A DEBT NOT OWNED BY THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times pertaining to some inquiries I did not authorize. Equifax informed me to contact the creditors, but the creditors sent me back to Equifax. Equifax later reported once I called back like the fourth time that an dispute will be made for the inquies and they should fall off within 30 days and that was in XX/XX/XXXX. I called back in XX/XX/XXXX and was informed the inquires duspite was submitted wrong, so she was going to re-do it. Just for me to call back this month and they are stating they can not delete inquiries. I did not authorize these inquiries. I had put fraud alerts on all three credit bureaus, just for them to give me the run around. I have spent hours on the phone trying to get this issue resolved and they are not doing anything to assist, besides coming up with different lies to tell. I would like these inquiries to be removed.

* XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card

Dear American Express, I am writing to formally express my dissatisfaction with the handling of the Companion Certificate associated with my American Express XXXX XXXX XXXX XXXX XXXX. I was informed that I would receive this certificate, but despite several interactions with your team, it has yet to arrive. 

Below is a transcript of a recent chat with your representatives : Amex : " Great. I can see the Companion certificate issuance month is XXXX, so please rest assured it will be issued after XXXX to XXXX weeks. However, this is the maximum time. It will be issued after the XX/XX/year>, statement closing date. '' Me : " Yes, I understand that from the last representative. However, I wanted to clarify what under process means. Has it been under process for XXXX weeks now, or just a few days? As I mentioned before, I know XXXX others who have the card and they received their certificates immediately when their annual fee hit. Why hasnt mine been issued yet? '' Amex : " Under process means the XXXX team will check and issue the certificate accordingly. Since this benefit is provided by the XXXX team, for more details you need to contact XXXX. As we are from the card servicing team, we can only check the issuance month. '' Me : " I already contacted XXXX, and as I mentioned, they have not received anything from your side. '' Amex : " Please rest assured, you will receive the certificate. It is taking time, but after the statement closing date, you will receive it. You can contact us if you have not received it by XX/XX/XXXX. '' Despite being repeatedly assured that the certificate would be issued, I have yet to receive it, and this ongoing delay is unacceptable. Furthermore, other cardholders have received their certificates promptly, so its unclear why my situation is different. I believe I have been patient, but I expect swift action to resolve this matter. 

If this issue is not resolved promptly, I will consider escalating the matter further. 

Thank you for your attention to this matter, and I look forward to your immediate response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

One month ago, my account was overdrawn, ( we did not know because an automatic payment came out at XXXX and our direct deposit went in around XXXX ... Spoke to customer service being that it was out first overdraft we received our money back, set up a plan to have the money come directly out of our savings for XXXX dollars if this were to happen again, I was suppose to receive paperwork to sign and send back. Never received. Going forward our account over drafted again and with in 24 hours the money was transferred out our from out savings. Tried to get the XXXX dollars back did not work. So I asked how much I needed to transfer for this not to happen in another 24 hours I did as he said, and still received another XXXX dollar fee. That it XXXX dollars ( a lot to parents who live paycheck to paycheck ) I understand there are fees, but sometimes it's not ways the customers fault. Some companies debit the wrong amount tales says to be refunded, that is also what happened with our account. We are looking for XXXX in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 th

an 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 reporting, credit repair services, or other personal consumer reports

NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXX XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation.

Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date. Once verified please send a copy of my credit file. 

Respectfully, XXXX XXXX
Product: Mortgage

We send our our mortgage payment plus an extra {$500.00} every month ever since we have had our loan with Ditech. They have miss applied our payments for a couple of years now. They have called us making threats that our mortgage is not being paid they keep adding it to a funds in suspense account. They keep charging us a late fee. Our mortgage balance keeps going up instead of down even though we are paying an additional {$500.00} that needs to be applied to the principal. We have made several calls and nothing is resolved. They keep telling us that a supervisor will call us back or that the department that fixes the mistakes will call us back and nothing. 

We need to get this fixed immediately. We have proof that our bank has been sending our payments every single month on time. Sometimes they take up to 2 weeks to apply our payment after they receive it. 

Please help we have no idea what else to do.
Product: Consumer Loan

I purchased a vehicle on XXXX XXXX and got it financed through ALLY FINANCIAL with a monthly payment of {$230.00}. I was making all my payments to ally financial on time and from time to time I was paying XXXX or XXXX XXXX dollars extra. unfortunately on XXXX XXXX I was not in USA and was in my country on a family emergency and since I was paying extra every month I assumed I can pay {$180.00} and still be fine with my monthly payments and would not be late on my account. next thing I know I get an alert from my credit report agency that I have a 30 days late on my car payment. immediately I called up ALLY FINANCIAL and spoke to a supervisor and told him exactly what I just described and he promised me as a courtesy he is going to remove the 30 days late charge. Obviously they did not remove the 30 days late. since then I have been in contact with ALLY FINACIAL and had requested to send to me a copy of all the payment that I had made to them and how it was applied and also requested to send me when they had sent me a note to states they are going to report me to credit bureaus for a late pay.
Product: Credit card or prepaid card

In the month of XX/XX/2021 I found a credit card debt that I never received, that I have no information about, since then I have been dealing with that information in my credit report. despite having called transunion llc several times, then they told me that XXXX was in charge, we communicated with XXXX  at various times, one of those days was XX/XX/XXXX, then XX/XX/XXXX, also XX/XX/XXXX, then they transferred us to XXXX XXXX XXXX, there we spoke on XX/XX/XXXX with our partner XXXX, we spoke with her again on the XXXX of the same month and they told us that it was no longer with them, that it was with XXXX again ; We called XXXX again but the situation is not resolved and I continue to be affected. It's been 8 months since our claim and nothing. I need my situation resolved. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion recently reported a wrong address to my credit report. 
The wrong address that needs to be deleted is : XXXX XXXX XXXX XXXX NC XXXX