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

I opened my Wells Fargo account in XX/XX/XXXX, shortly after legally changing my name from XXXX XXXX to XXXX XXXX XXXX. At that time, I had five checks issued to me by XXXX XXXX in my former name. I decided to deposit one of these checks into my new account. 

I deposited the check in early XXXX ( Reference # XXXX ). However, on XX/XX/XXXXXXXX XXXX I received a notice stating that my account was closed. The letter explained, A deposit was made to your account on XX/XX/XXXXXXXX During our review, we determined that you are not entitled to these funds. If there is a remaining balance, we will mail you a check. 

I repeatedly attempted to resolve this by contacting Wells Fargo. Each time I called, I was transferred between departments without any resolution. After weeks of this, one representative even suggested I visit a branch in person for assistance, but unfortunately, that also led nowhere. 

In the meantime, I contacted XXXX XXXX and successfully had the checks reissued in my new name. However, XXXX XXXX confirmed they couldnt assist with one of the five checks because it had already been cashed by Wells Fargo. 

A year has now passed, and I have yet to receive the funds. I have documentation supporting my claims, including emails with XXXX XXXX, Wells Fargo statements, letters regarding the account closure, the old checks in my former name, stubs of the new checks in my current name ( except the one cashed by Wells Fargo ), and my name change decree.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX  XXXX Account # XXXX XXXX Account name : XXXX  XXXX Account # XXXX, Account XXXX : XXXX Account # XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I tried to upload a check on XX/XX/XXXX. it didn't go through. I called Ingo and they told me my account was in collections and terminated. Ingo told me that the check in question was cashed within the last 30 days. the only check I cashed within 30 days was a USPS claim check # XXXX for {$52.00}. my XXXX account shows that ingo deposited the check on the XXXX of XX/XX/XXXX and again on the XXXX of XX/XX/XXXX. I do not know if it is the same check. Ingo emailed me on saying that the check was delayed and successfully funded on the XXXX. Therefore I assumed that the original check from the XXXX was successfully deposited on the XXXX. 
I don't know if Ingo deposited two different checks from the XXXX and XXXX by mistake on their end. Ingo didn't contact XXXX  or me about any bad check or Collections. it has been almost a month since the check was funded.
Product: Mortgage

On XX/XX/2021 ( XXXX ), I tried to get information on my current mortgage and to get XXXX services to be able to go online and see information pertaining to my mortgage. XXXX XXXX refused to assist and would not help me at all. I have been either on hold or transferred to other places within Suntrust and not given any assistance. I have been hung up on 3 times and can not get any assistance. 

This treatment is not new with Suntrust ; this institution makes it impossible to get any one on the phone in any timely manner. Today I have been on hold for XXXX plus hours, and this is not new. I wonder XXXX what " legal auspices '' is Suntrust refusing to assist the banking customers? 

I will continue to file complaints in regards to this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within fXXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 3 yrs, 9 mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 1 yrs, 6 mos ), XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX0 ( 1 yrs, 5 mos ) has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and due to a divorce as well, all these things keep appearing on my account which have these creditors calling and threatening me for my life to pay a bill that '' s not mines .I'am asking to have all these items removed off my credit, Everytime i disputes its an issue and one account will closed and another reappeared back on there .Its not fair to me that someone out here using my name in vain and due to the ex-husband away in jail for threatening to XXXX me, i believe he been using my name in vain a well and messing my credit up .i wrote to the credit company 's for years and they still putting things on there that's not me at all.When covid hit our world it seem like thats when everything 's got worse from me having badily and then to it was taking over the world .All my stuff was beng mis used .Please help me out, thank you so much be bless.
Product: Student loan

I changed bank accounts in XX/XX/2021. I signed up for automatic debit with AES twice. They have not been sending the payments through to my bank. I have made two months of payments using the same checking account. I have two loans and have made a total of 4 payments. AES will not take care of the problem which is on their side of the transaction obviously if I have successfully made payments 4 times with the exact same checking account. I have called and complained several times with no results. They keep calling and harassing me for payment as well as both of my senior parents. This is not acceptable to harass someone who has made on-time payments despite their inability to process a transaction. I am attaching documentation showing the harassing emails for bills that have already been paid, emails proving I filled out the auto-debit twice, and emails showing that the payments have been made successfully using the same checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, please update my personal info and remove all unauthorized inquiries
Product: Debt collection

I received a voicemail saying that I was trying to be contacted and if the message was not returned, paperwork would be filed with the local county authorities. I returned the call within 30 min and was informed that I was being prosecuted for writing a bad check for a loan. Later in the conversation I was told the company I was speaking with was Coastal Collections. When I asked details, I was told that the date was in 2013, the amount {$450.00}, and it was for XXXX XXXX. When I asked for contact information for XXXX XXXX, who I have never heard of, I was told I could not have that information. I have never taken a loan for {$450.00}, written a bad check, or been notified of this being a collection against me. When I asked when I could expect documentation from XXXX, Coastal Collections said it was up to XXXX, but I could expect a subpeona soon and could fight this in court.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX XXXX I had zero issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX  and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX  has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with Transunion and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had zero problems with XXXX  XXXX  and now there are thousands of complaints since sell off to XXXX  XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I paid XXXX XXXX {$1800.00} x 2 = {$3700.00} to install carpet in my house. I received the the worst inferior quality carpet and a completely shoddy installation. The carpet started deteriorating and separating from the walls and stairs within a week. I opened 2 disputes with citivisa, the credit card I use. It took them many months to resolve this. I had to submit numerous letters and documents. I lost one of the disputes because the paperwork that citi sent was in 2 parts which looked exactly the same and I only sent it in once. When they informed me that I lost one of the disputes they told me to send it in immediately which I did and it was 3 days late. They did not honor it. They the carpet company put the {$1800.00} that he lost back on my card without my authorization or knowledge. When I found out citi asked me to dispute it again and redocument the problem with XXXX  of the same information and have people come out to evaluate it. Unbelievably I fell for this and spent more time to dispute the fraudulent charge. They determined after 4 months that it was a legitimate claim but put the charge back on my card! because they " couldn't collect it from him '' (! ). I called them on XX/XX/XXXX and told them this is an outrage and I will not pay it. They are a very bad credit card company and need to be contacted by you. I am also making a report through identitytheft.gov.
Product: Credit reporting or other personal consumer reports

Date of Report XXXX Amount {$0.00} Date of Report XXXX Amount {$0.00} In accordance to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( Toyota Motor Financial ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus XXXXXXXX XXXX XXXX to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Account # XXXX Original account Holder : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX Manager XXXX XXXX XXXX XXXX XXXX OH XXXX This account originated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was an Online loan. It was sold off to NCB XXXX. On XXXX, XXXX, XXXX is claiming I received notice in the mail notifying me that they are the creditor now of this account. However I received no letter in the mail. The only way I found out about this account was when It was reported on my credit in my collections and I found the phone number in my credit report. NCB is also claiming that on XX/XX/XXXX that an unidentified party called in. No one from my phone number called in until, I tryed to call in on XX/XX/XXXX to discuss the matter. I made an offer of {$1000.00}. However the call disconnected. I tryed calling back but could not get through. I receive numerous calls late in the evening after XXXX central time. XXXX on XXXX, XXXX, XXXX XXXX and another on XX/XX/XXXX XXXX. I requested that the party stop calling me. NCB has reported on my credit reoprts however they have not kept the original delinquent date from the original creditor. NCB bought the account XX/XX/XXXX and began reporting on it then. This account and Claims from NCB does not contain the same delinquency date as from the original creditor XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed all the protocol for submitted a dispute with TransUnion regarding XXXX. All I get back is " investigated-accurate ''. Even though I have provided ALL the documents needed to PROVE that XXXX should NOT be allowed to report anything, it is like NO ONE looks at any of them, or THEIR OWN REPORT! How can you show that XXXX, the ONLY student loan I have had, CORRECTLY reports the account closed and included in XXXX  XXXX Bankruptcy 3 years ago, but THEN allow another RANDOM company to come in 3 years later, a company I have NEVER heard of, been given ANY information about or been contacted by to start REPORTING FALSE information to MY report on THEIR website just because they " say so ''?? 

I have provided the discharge paperwork from the court that SHOWS the judge ORDERED all XXXX LOANS discharged. I was injured, lost my business and am XXXX and will NEVER work again to be able to pay the XXXX loan off, so it was a hardship case and special circumstances to discharge the XXXX loan. I have explained this a THOUSAND TIMES to different people and STILL they continue to damage my report with FALSE information. 

XXXX apparently bought a debt off XXXX after bankruptcy that was discharged 3 years ago. After battling with them, they finally closed it on all my reports, BUT they continue to report it every month showing I owe more and more and more money and that it is is late and past due and in collections, despite being closed. XXXX has been contacted and they are CORRECTLY reporting the debt as discharged in XXXX XXXX they said they tried to notify PHEAA to stop collecting, but XXXX has not taken their direction and there is nothing more that XXXX  can do at this point. I have contacted XXXX and they REFUSE to admit they purchased a debt to collect on that was illegal and they are NOT entitled to collect because of the XXXX  XXXX discharge. They refuse to take it OFF ALL credit reporting agencies OR stop reporting it as late/Collections, despite it having been discharged. 

See the Discharge Paperwork that has very specific language regarding discharge as to ALL student loans. Mine was a hardship case from an injury and loss of a business. I am now XXXX and will never work again and the judge knew that I would never be able to repay the student loan so it WAS in fact discharged in 2018. XXXX knows this, so why XXXX is STILL trying to collect and reporting as LATE payments, I can not figure out, or WHY it is being allowed!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} 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: Debt collection

Collection Company ( Jefferson Capital Sy ) has placed a collection on my credit on XX/XX/XXXX,2017 for a  XXXX XXXX Bill of {$1000.00} on my account. I never had an account with XXXX and I believe this charge was due to some fraudulent account was created by an importer.Last year another company placed the same ( XXXX Bill ) and I immediately notified them about the fraudulent charge and they were able to remove it from my credit.
Product: Debt collection

I have advised the collection agencies for XXXX XXXX XXXX XXXX to not call my job multiple times and have provided them with Mobile number and they still continue to call my job. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018.
Product: Debt collection

Disputed account information via credit bureau. Company did not provide validity of original contract with XXXX XXXX. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.
Product: Credit reporting or other personal consumer reports

XX/XX/23 - In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under Act 15 U.S.C. 1681 section 602 says, " 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. '' Under 15 U.S.C. 1666 ( b ) " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has 5 HARD INQUIREYS on credit report. Starting with XXXX XXXX. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my transunion report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.
Product: Debt collection

Northwest Collectors in XXXX, MT have harassed me about a debit that wasnt mine, not once, not twice but three times now, for another womans debit, that is not mine. The first time, it was about her negative balance on her car, the second time was about her negative balance in her bank account. The third time, which was yesterday, a processor showed up at MY place of employment to serve me papers for ANOTHER womans account. I dont know what this debit was for but I have called them after the first and second times asking them to stop, asking them to be diligent and look at social security numbers, middle names and dates of birth. 
This third time, after having a processor show up to my work, I am done. This needs to stop. This is harassment for a debit that is not even mine and Northwest collectors are humiliating me, going to the place of my career.
Product: Credit card or prepaid card

Genesis FS Card Services has falsely and, in my opinion fraudulently, claimed on XX/XX/2023 that a payment to my account was rejected by my bank. They provided zero evidence for this and indeed my bank shows no attempt to actually make such a charge. The company has flat out lied in order to charge me a fee. They provided no evidence of their claims, they simply lied in order to charge me a fee.
Product: Credit card

I paid my credit card with my business checking account which I am a sole proprietor. I use the card for household items and I rent my house out part time. They closed the card due to making a payment from a business checking account and they blocked me from the online banking so I can not pay online. Then they charge me late fees when I can not get into the account to pay and I can only send it paper checks which I dont know when the arrive and they are charging me more late fees. I have paid on time for 6 years and now they are trying to put me into delinquency.