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

On Friday, XX/XX/XXXX, an online payment was made from my Wells Fargo checking account to a Wells Fargo credit card. Instead of making the minimum payment as intended, the full credit card balance was paid. This error was noticed within minutes, as my checking account was almost totally depleted. We called Wells Fargo immediately, and were told no action could be taken until the payment posted to the credit card account on Monday, XX/XX/XXXX. WF said a representative would call us on Monday to confirm a payment reversal. I received no such call. I called WF on Monday, XX/XX/XXXX and explained the situation. We were informed that the error would be corrected in one business day, and that the cash would be back in my checking account on Tuesday, XX/XX/XXXX. This did not occur. On Wednesday, XX/XX/XXXX I spoke to at least four WF representatives, including XXXX XXXX, XXXX XXXX ( who hung up on me after transferring my call at XXXX XXXX ET on XX/XX/18 ), and XXXX XXXX ( Case Analyst Manager in the Executive Office in XXXX, AZ ). All informed me that my case could be " escalated '' and " investigated, '' but none could explain where my money is or when I could expect it back in my checking account. I repeatedly explained the dire financial circumstances lack of access to these funds ( approx {$2700.00} ) was creating for my family, and yet no one could explain where the money was or place the funds back in my account. I was repeatedly told that the representatives, " understood my frustration, '' and that the " one business day was correct, '' with no acknowledgement of their error or the bind in which I have been placed due to the lack of appearance of funds in my account. I was told by XXXX XXXX that WF " corrects errors '' and as a policy does not compensate customers for errors made by the company. XXXX XXXX 's supervisor is XXXX XXXX, who is a Case Manager II in XXXX, AZ, but I was told she does not accept phone calls from customers.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX days late XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} - Late /Open
Product: Debt collection

My identity was stolen around the time I was XXXX and multiple account were placed in my name thats wasnt me
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to fix this ongoing issue with Experian for months. I've sent multiple letters asking that they fix the issues. It is severely hurting my ability to obtain property and live my life in peace. There are unverified accounts listed on my credit report. I've asked for proper verification and the METHOD of verification for months now and each attempt has been ignored. XXXX  and XXXX  were unable to verify those account listed and deleted them. But experian refuse to update my account to what's accurate and tell me who verified the accounts and what method was use to verify the accounts. 
They also reinserted several accounts after deleting them without given me a notice or proper validation of accounts that the claimed are verified, which is a violation of the FCRA. 

The unverified accounts are as listed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, and 2 accounts from XXXX XXXX XXXX 

I've sent my last letter via certified mail. This is my last plea before taking legal action.
Product: Other financial service

SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 
ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Zip Code : XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Mortgage

I went to make a payment TODAY the XXXX of XXXX for payment of my missed payment loan for the month of XX/XX/2018 and I deposited the funds into my XXXX XXXX account ( see attached document ) however the Teller told me they would NOT process the payment of the Loan because I had to talk to the Loan Officer first XXXX XXXX XXXX who did not respond to any phone call or emails from either myself or the Bank Branch Manager XXXX XXXX XXXX also copied in all correspondence. I have been late with my payments because of a XXXX and a consequent XXXX that caused me to be unable to work and earn commissions. I have made all payments that I possibly can and I have never passed the 120 days which will cause a foreclosure procedure. I have explained my health situation and this XXXX XXXX XXXX purposely refused to accept a full amount payment today so that he can proceed with the foreclosure.He should be investigated for such actions it looks like he has a personal interest or may be associated with people who buy foreclosures cause my home is only at 50 % financing and the bank refused to do an equity loan to cover for the payments missing.
Product: Student loan

I have reached out to MOHELA numerous times over different issues and have yet to receive a response. I have tried calling and the wait times are hours and they state to do the secure messaging in the portal. 

XXXX XXXX send standing instructions for additional payment never responded. Followed up on XX/XX/XXXX still no response. 

XXXX XXXX - signed up for auto pay back in XXXX. I never got a letter saying my due date but my auto debit date was scheduled for the XXXX. The XXXX comes and they withdraw the money from my account, take 4 days to process and state my account is past due. I contacted to update my auto debit date to the XXXX to take into consideration their processing times ( still with no idea when my payment is actually due ). I have still received no response. 

Additionally, I am on the SAVE plan and any interest accrued not covered by my payment is to be subsidized by the government. That is not the case, the interest is still accruing. So come next month I will have all this additional interest and make my payment go toward that when I specifically enrolled in a plan to avoid that. There has been no messaging from MOHELA on this. Good luck getting through to anyone on the phone and secure messaging clearly is not working. 

I am just unsure how Im supposed to know when my loan is due without a statement ( digital is fine ) but I have no idea on an actual due date and in what work can I not get through to change my auto debit date? I could manually pay on the date I want but then I lose the interest rate deduction. 

Truely seems like a scam to make more money and if the company can not handle everyone returning to repayment, they need to hire more people or provide messaging and accurate hold/wait times. Do not say secure messaging will be answered in 48 business hours and then not answer for a month.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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: Student loan

I applied through aidvantage loan servicing company for the SAVE program towards the end of XXXX, I was approved and was told by customer service that my first payment under the program would be due sometime in XXXX of XXXX, when I checked to see if my new payment plan had been applied, I noticed the old terms were still active and nothing had changed, I called into complain during that time and was told that applications were backed up and I have to wait for things to process and that I would need to go into forbearance, it is now XXXX and I still have not seen the SAVE program repayment program applied to my account, now I'm entering full blown payments again, this is ridiculous and I would like it handled immediately!
Product: Credit reporting or other personal consumer reports

Incorrect personal information on credit file. 
Incorrect personal information associated with debt belonging to XXXX XXXX XXXX, XXXX. 

I have contacted XXXX from XXXX XXXX XXXX to advise that the personal information such as the social security numbers listed on my credit file do not match, do not belong to me, are incorrect and belong to my minor children. Also, the social security numbers on file are linked to debtor accounts that do not belong to me and should be therefore deleted. 

Below are the social security numbers : SOCIAL SECURITY NUMBER XXXX Incorrect Personal Information XXXX Incorrect Personal Information I have provided the correct social security number in the form of proof of identity via a social security card. 

In XXXX of XXXX, I contacted XXXX XXXX XXXX requesting validation of the debt via the social security number on file. However, they have refused to provide the information related to validation and verification of the debt. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?
Product: Money transfer, virtual currency, or money service

My wife transferred {$500.00} USD to my paypal account on Sunday XX/XX/2023 via an e-check. The ACH transaction cleared my wife 's bank account on Monday, XX/XX/XXXX deducting the full {$500.00} out. Today is XX/XX/2023 and paypal is still claiming the transaction hasn't clear even though I have proof it cleared on the XXXX. When I asked paypal to provide me with a disclaimer or terms and condition that stated it would take this long for my account to be credited on an e-check, they could not provide it. 

My concern is how many people is paypal doing this to ( holding funds after it's cleared the bank ) that benefits their interest ( interest revenue ) rather than processing these timely for the benefit of their customers? Why aren't they warning people about this in a disclaimer prior to accepting an e-check transfer?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX was advised in XXXX of 2022 that I am a current customer in good standing with XXXX. I am a XXXX XXXX XXXX XXXX. I advised XXXX  the XXXX dollars was wrong and to verify. They did not. They reported it to Transunion, XXXX, and XXXX. I spoke to XXXX and VERIFIED multiple times with XXXX I do not owe them any money per XXXX. They received payment for the security system, which does not work. 

After notifying XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX They fraudulently placed the account as a collection on all three credit Reporting agencies. 

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 an 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 or 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 reporting or other personal consumer reports

I have submitted several disputes to have these accounts removed from my credit report but the company refuses to remove them. I have contacted XXXX for a dispute over the phone on XX/XX/24. CCS Collections have 2 accounts that appear on my credit report. I have asked them for my original contract with the date and my signature, a payment history with original company, date when the account was sold to CCS Collections. I also asked to speak to the fraud department and the person I spoke to said " we don't have a fraud department '' and then hung up the phone in my face. I would like these documents in writing as soon as possible. The last time of contact with CCS Collections from me was on XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX Account, XXXX XXXX XXXX, 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 an account without my written instructions. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to notify you about some inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be removed : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I've called and written all XXXX credit reporting agencies XXXX times XXXX, XXXX and experian.. 
About the charge-off accounts, and repossession that are covered under 15USC code 1601, The bankruptcy that is under 15USC code 1681A2B, The hard inquiries which are covered under 18USC Is 10:28 A, Is collections which are covered under 15 usc 1692C . And collections which are under 15USC 166 B.

However, every time I call them they try to make me jump through hoops in order to get the Negative reporting taking off and I do exactly what they say and nothing gets done.

I have constantly told them that I did not get my written percent To have these reporting posted all over the internet.
Product: Debt collection

For a hospital bill of XXXX dollars from almost 6 years ago. I got ta 9 phone calls this week alone. I've talk to them 5 times and told them to stop the calls and stop harassing me at work. They lie their rude.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX  XXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$5800.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$6400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$7600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$4200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX {$4400.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} XX/XX/XXXX
Product: Debt collection

Affinity company has sent me to debt collector agency XXXX. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.