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

Wells Fargo sold its checking and saving business in four states ( XXXX in my case ) to XXXX XXXX. I initially setup this checking and saving account when I was living in XXXX, but I moved out of XXXX  8 years ago. Now because of their business deal, my checking and saving accounts at Wells Fargo were closed on XXXX XXXX of 2018, and new checking and saving accounts are created at XXXX XXXX. The problem is, I have been living in XXXX XXXX for many years, and XXXX has my current address in their system for years. The consequence of this conversion is that, I don ; t have a bank to go to because there is no local XXXX XXXX in my state. I have to create an new checking and saving account at my local Wells Fargo bank and setup all the direct deposit and bill pay. 

This significantly affected my ability to receive salary and pay bills on time. I believe this is very unfair to me and Wells Fargo should ask for my permission firstly because I don ; t have a local XXXX XXXX in my state.
Product: Debt collection

I have paid off the balance and the account is still reflecting closed on credit report as if it's not paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XX/XX/2022 with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX and name XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Barclays XXXX, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as XXXX  bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interest on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I believe it is unfair and has been a distress for me see my balance accruing interests. I have XXXX very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an alleged manager at All Debt Solutions , Inc. in XXXX, MA in regards to their false reporting to credit bureaus which resulted in a negative mark on my credit. The debt had been paid directly to original creditor. This manager stated he saw that it had been paid yet still reported it as unpaid. When confronted about the false reporting, he alleged that it WASN'T false reporting. How is it not? They admit to debt being paid and also admitted to reporting it had not been. That is textbook " false ''.
Product: Checking or savings account

I filed a claim with Navy Federal regarding a refund that I did not receive from XXXX. I provided screenshots to Navy Federal from XXXX customer service that confirmed I am due a {$260.00} refund. I also sent as many documents as were permitted to Navy Federal also confirming they canceled my refund request previously, which lead to the necessary refund of {$260.00}. Navy Federal provided me a provisional credit, but reversed it. Navy Federal has a XXXX liability policy for transactions that have been confirmed.
Product: Checking or savings account

On XX/XX/XXXX, I received a missed phone call from XXXX XXXX XXXX XXXX. Upon calling back, I was notified that my {$100000.00} transfer to my XXXX brokerage account will be reversed. I have had payments reversed to XXXX in the past, and have completed a successful XXXX way bank call months ago to confirm that the XXXX account is my account. Upon being transferred to a supervisor on my call initiated at XXXXXXXX XXXX  XX/XX/XXXX, I was notified that my transfers will be reversed due to quick money movement and the money needs to sit in the account for an undisclosed amount of time unless I wanted to send the money back to the original wire sender. I received the wire transfers as payments, and hence it would be an incredible hassle to send all of my money back to the multiple different originating accounts belonging to multiple different individuals. They recommended XXXX months, and there is absolutely nothing in the deposit terms regarding this time length or any quick money movement restrictions. 

At XXXX XXXX XXXXXX/XX/XXXX, I called back to ensure try account is in good standing and the reversals are not a result of any fraud blocks or regulatory/compliance related issues. I was confirmed by specialist XXXX that there are no fraud related blocks or holds on my account, and that it is in fact true the reversals are due to quick money movement. 

Due to the aforementioned and the fact that my funds are not being held due to any fraud/AML restrictions XXXX I strongly believe XXXX to be conducting fraudulent business practices under Regulation E ( Improper Reversal of Authorized Transfers ( 12 CFR 1005.10 & 1005.11 ), Lack of Clear or Advance Disclosure ( 12 CFR 1005.7 ), Denial of Funds Without Fraud or Regulatory Justification ( 12 CFR 1005.6 ), Unjustified Retention of Funds ( Good Faith and Error Resolution 1005.11 ) ).
Product: Payday loan, title loan, or personal loan

My vehicle was repossessed on XX/XX/2023. I paid a cash payment to the instaloan office where account was opened. I received a " Borrower Receipt '' and " Vehicle Release Form '' after paying {$820.00}. I was given 3 telephone numbers by the General Mamage XXXX XXXX without being able to connect with " XXXX '' or any other telephone number given to me to retrieve my vehicle, which is needed to work. I lost {$200.00} on XX/XX/2023 ; and as of XX/XX/2023 still can not reach anyone to recover my vehicle. Now the General Manager refuse to talk or help me recover my vehicle.
Product: Credit reporting

By the attached Claim XXXX, I paid the entire Proof of Claim student loan through a trustee of the US Bankruptcy Court for the XXXX District of Florida. The below NOTES are in the PAYEE NOTES of CLAIM XXXX of my subject case number. It is plain as day that XXXX XXXX sent to the trustee, XXXX XXXX XXXX XXXX, a notice on XX/XX/XXXX to transfer the student loan to the Florida Department of Education. Then on XX/XX/XXXX the Florida Office of Student Financial Assistance sent a notice to the Trustee, XXXX XXXX XXXX XXXX, to transfer the Claim XXXX Student Loan to XXXX. The following is a direct copy from my Chapter XXXX case : PAYEE NOTESXX/XX/XXXX COMPLETED NOTICE OF CHANGE OF ADDRESS. BRXX/XX/XXXX REVIEWED NTC OF TRANSFER WITH WAIVER FROM FLORIDA OFF OF STUDENT FINANCIAL ASST TO XXXX. UPDATED TO REFLECT..FWD TO BR TO REVIEW ... ASXX/XX/XXXX RCVD NTC OF TRANSFER FROM XXXX XXXX TO FLORIDA DEPT OF EDUCATION. UPDATED TO REFLECT ON XX/XX/XXXX. FWD TO BR TO XXXX original creditor, XXXX XXXX transferred XXXX XXXX loan to the Florida Dept of Education and 3 months later the student loan was transferred to XXXX. Upon discharge of my Chapter XXXX case, I received a letter from XXXX that I was in arrears on the student loan payment to a service provider XXXX. XXXX is not listed as a creditor on my Chapter XXXX case, but has acted as a debt collection agent for XXXX. My attorney advised me to look to see if there were any " Unclaimed Funds '' in an account with the US Bankruptcy Court for the XXXX District of Florida. There are in fact {$2600.00} in that account as shown in the XXXX attachment. On XX/XX/XXXX, XXXX filed an Application for Unclaimed Funds shown as the XXXX attachment. Additionally XXXX informed me by email letter, the XXXX attachment, that they were asking XXXX to return the loan and that I should dispute the erroneous claim by XXXX on my XXXX credit report bureaus XXXX, XXXX and XXXX. My contention is this, why am I being penalized on my XXXX credit reports for delinquent payments on a student loan that I fully paid through the XXXX XXXX plan through a trustee of the US Bankruptcy Court for the XXXX District of Florida? The issue is obviously not with me but between XXXX, XXXX and the US Bankruptcy court for those funds. Yet my credit scores are in the low XXXX because of this and I have a black mark on my credit reports. And why is XXXX listed on my credit reports when they are not the creditor? This is a clear violation of the Fair Credit Reporting Act and Fair Debt Collection Act. This is a total fiasco.
Product: Credit reporting or other personal consumer reports

WFBNA CARD-Wells Fargo XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Removal of Wells Fargo Credit Card Account ( XXXX ) and removal of negative comments ( i.e. collections ) from XXXX, XXXX, & XXXX credit report. 

In XX/XX/XXXX, I contacted Wells Fargo to remove my account from their system & contact : XXXX, XXXX, and XXXX requesting my credit file be deleted from their system. According to Wells Fargo, they can not locate my account. Additionally, I this account has been closed since XXXX. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), requires credit bureaus to delete any account/credit report from their system that is XXXX years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments. 

Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 
On XX/XX/XXXX, XXXX deleted and removed Wells Fargo Card Services ( i.e. item ) from my credit report. 

I ask that your company follow suit as XXXX has done by deleting and removing Wells Fargo Card Services from my credit report and/or your database. ( see attached exhibit A ) See attached documents
Product: Mortgage

On XX/XX/XXXX, I logged in to make my monthly payment. Two days later, XX/XX/2020, Mr Cooper deducted another payment from my account. I had not gone in twice and submitted a duplicate payment. That is what they are saying must have happened. I use the bank account for this payment strictly to pay my mortgage and life insurance, and transfer they funds once I submit the payment. I have reached out since this happened to them, and have had almost no response. I incurred bank fees and a fee from them as well. They have reversed their fee but I want an answer as to how this happened. I also would like to see about getting a letter from them about the error to see if I can get my fees reversed. But no one responds or answers. The bank account is in both my name and my sisters, which will show on the attached statement. The mortgage is in my name only.
Product: Credit card or prepaid card

I have sent emails to the fraud department at Bank of America on XXXX and XXXX regarding this fraudulent account. I contacted Bank of America today ( XXXX ) via phone and believe the account has been closed or is in process of being closed. 

I have Frozen my credit information and opened disputes with XXXX, XXXX, and XXXX. I have placed a fraud alert with XXXX. 

I was contacted by my church stating a 3rd party background checker experienced a data breach and reports of Bank of America accounts being opened in some members names was reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and Experian, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.
Product: Debt collection

I pulled a copy of my XXXX Credit report and found a listing from this company as collection item for {$770.00}, original creditor XXXX. I already paid a debt to this company for {$160.00} paying off a collection account. This {$770.00} debt is not mine, I have never received any statement from the original creditor or Gold Key credit. This violates federal law.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach across all three bureaus XXXX, XXXX, TransUnion. As a result I want to the information on all three deleted that is derogatory. All of my information was exposed. I haven't received payment yet or any financial compensation from XXXX or any other bureau. I want all derogatory items erroneous, etc removed within 30 days from all three bureaus.Credit reform act is supposed protect consumers information collected by the credit bureaus it did not.Section 605B FCRA, as a result 623 ( a ) ( 1 ) ( B ). I have disputed inaccuracies with all three bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.


2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.
o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Late Payments. 
Name of Account 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 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, credit repair services, or other personal consumer reports

XXXX is reporting the following duplicate information on my credit file XXXXComenity Bank in amount of {$510.00} ; XXXX XXXX XXXX is also attempting to collect an outstanding debt for Comenity.
Product: Mortgage

Reaching out about the Wells Fargo lawsuit, involving my mothers then Mortgage. XXXX XXXX XXXX Its the XXXX XXXX dollar suit. We closed her mortgage in XXXX, she had the mortgage from XXXX, it was modified a number or times.
Product: Credit card

Amazon Visa from JPMorgan Chase ( XXXX ). 

They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or " minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle, this in turn causes people to most likely forget and incur a late payment, it 's well within their capability to offer this and it seems like a scheme to either 1. get people to pay the minimum payment and 2. incur late fees if they choose to schedule manually since you can not schedule more than one month at a time See below communication. 

Dear XXXX XXXX XXXX : Thank you for contacting Chase. 

Unfortunately, at this time AutoPay does not offer a " fixed payment '' option. Additional payment ( s ) can always be made after the statement due date, but before the statement closing date. This will ensure the AutoPay to be processed each month. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Account is owned by Chase Bank USA , N.A . and may be serviced by its affiliates. 


XXXX DO YOU KNOW AT CHASE ONLINE YOU CAN .... 
- Gain instant access to view and download your credit card information. 
- See and pay your bill online - Transfer balances - Change your address and much more .... 

XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello, I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments, my only options are minimum payment or pay full amount ex. my minimum payment is {$27.00} and I want to pay $ XXXX monthly. 

In this case I have to manually schedule these payments and often forget to keep scheduling them, is this by design?
Product: Credit reporting or other personal consumer reports

These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent account showing on my company 's credit profile ( XXXX XXXX XXXX, XXXX. ) that does not belong to us. The account is from XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX and XXXX  XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Debt collection

My complaint is with the American Education Services.I received letters from them saying I'm delinquent on my account. I have explained to them that the checks are sent on time a month earlier. For example, my payment is due by the first of the month. I send a check on the 12 or 15 to pay for the next month with the account number and the month the payment is made. Yet even though my payment is early they are saying it is late because they received it on the 15th. They told me the only way I could get this stopped is to set up automatic payment from my checking account. When I asked to know the lender they told me it was the XXXX XXXX XXXX, however on my Statement it says XXXX XXXX. When I asked to speak with the lender directly they told me that I could not do that and that they handle everything I need to know. They would not give me any information about my loan. When I asked for a phone number to speak to someone else they said there was no other number. They are charging me extra money on this loan that I can not afford and should not have to pay since I have all the check stubs supporting that I am make the payments on time.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.