23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I scheduled a payment on XX/XX/XXXX for XX/XX/XXXX, knowing I had my first payment due XX/XX/XXXX. I also set up automatic payments the same day and saw that it said they could take a few days to set up and that if I had a payment due within 10 days, I would be responsible for making it. As the terms and conditions didn't state that the automatic payment would pull regardless of if the payment had already been made I thought things were fine, and didn't think anything of the confirmation email I received stating the first due date for the auto pay would be the XXXX as I knew the payment would be in process shortly. Then on XX/XX/XXXX they pulled a duplicate payment for the payment due XX/XX/XXXX, and I was unaware of this until I went to pay another bill and realized my account balance was shockingly low. I called customer service who told me for the first time that the payments pull no matter what and I needed to skip an automatic payment etc., and when I asked for a supervisor the line was disconnected. I called back and was able to be connected to a supervisor named XXXX employee number XXXX, and he stated that the terms clearly indicated that the payment would be pulling regardless, and I stated they didn't he then read some terms to me that again didn't explicitly state that it would pull even if the regular payment had been satisfied, and said that there was no reason it had to say this. Every other bank has to clearly disclose if they are going to be pulling the payment regardless of it being satisfied before the payment due date. He told me the payment pulled XX/XX/XXXX satisfied the XX/XX/XXXX payment but it would still pull a payment XX/XX/XXXX unless I cancelled the Automatic payment. I just received an email this morning stating my automatic payment would be made soon which leads me to believe the XXXX payment was not satisfied. But I was also told that in order for them to refund the payment to me it would take 30-45 days, which is astronomical and unfair. I'm adding a copy of the terms and conditions documents provided through the automatic payment sign up so you can see it. It specifically says " if you have payments due on any of your loans, you are responsible for manually paying your scheduled monthly payments until you are notified that your Auto Pay request has been processed. '' this implies that they will only be pulling the scheduled monthly payment that is due.
Product: Debt collection

as of XXXX XXXX convergent sent me a letter saying I owe XXXX for wireless phone service from XXXX XXXX called XXXX spoke with agent explained I never activated phone I cancelled phone service the next day after original talking with them about getting service.I have phone service with XXXX all along never used XXXX XXXX  XXXX service.XXXX gave debt to convergent for collection I called them explained situation and sent proof of bills from XXXX.They have not resolved this situation.XXXX  has reported this to my credit agencys giving me a bad credit rating reducing my score.I do not owe XXXX XXXX any money for a service that I have never used.
Product: Checking or savings account

I transfer funds ( $ XXXX ) to XXXX XXXX on XXXX, as I have done several times in the past. I again transferred funds ( $ XXXX ) on XXXX and Ally ( XXXX ) Locked my Account. I submitted their ( XXXXXXXX XXXX XXXX required information including XXXX XXXX profile as proof of ownership to XXXX at Ally. He said he needed a XXXX copy of current XXXX XXXX XXXX. I refused as the Statement includes all my XXXX Accounts which is private information. He then Locked my Account. I called Ally on three different numbers and each time was put on hold ( 30 minutes ) until XXXX answered. He would not let me talk to anyone at Ally and refused to email me anything about our conversation. I have no access to the account and consider this to be XXXX. I have asked XXXX to close the account, but he refuses and said the account will be Locked for 30 to 60 days. I have had bank accounts for over 50 years, and this is the Worst Banking experience. 

Ally ( XXXX ) has cost me hours and anxiety as well as loss of income from the Locking of my account by XXXX.
Product: Checking or savings account

On XX/XX/2018 between XXXX and XXXX ET, I received notification from Wells Fargo that my personal and business checking accounts will be closed due to unauthorized money transfers into the accounts. I was also informed that I may not  make any withdrawals from these two accounts and that the debit cards linked to those accounts are deactivated. On XX/XX/2018, I went inside my nearest branch to inquire about the account closure. None of the bank employees could provide me an explanation as to why the accounts will be closed and why withdrawals are blocked. I called the XXXX loss prevention number to inquire further and was informed that the unauthorized transaction was a XXXX XXXX   international wire from an individual named XXXX XXXX and that a check of the account balance would be mailed on XX/XX/2018. No more information was provided. I demanded copies of any court orders or legal proceedings and was denied. I can not access my funds for emergency purposes and I have a business account that requires me to refund customers when needed.
Product: Mortgage

In XXXX I purchased my first home, I was then unmarried and it was under the name XXXX XXXX. During escrow I paid all the closing costs which included the back taxes on the property. 
wells Fargo sent me notification that I did NOT pay the back taxes. When I contacted them to correct this they continued to deny my substantiated claims. I KNOW they were paid by me for two reasons.

1. It said right there in the closing documents that the taxes were paid by me. 2. When I contacted the County of XXXX XXXX Tax assessor they told me that they got the payment via escrow check and that they received " zero funds from Wells Fargo and if they had they sent them back, due to those taxes being paid already '' For over a year I called Wells Fargo weekly to resolve this issue. I faxed them, emailed them and mailed them on SEVERAL Occasions ( which I have all documented all the relevant information regarding this issue. Every single time they gave me the runaround and insisted of discharging me the almost two thousand dollars. They even threatened to add XXXX a month to my mortgage beginning in XXXX to " satisfy the unpaid portion of taxes they paid on my behalf '' ( which of course they never paid because paid them ). 
I meticulously recorded each phone call and each instance I sent them the information. I had to refinance my home and call the XXXX XXXX XXXX  in order to get them to admit that they did not pay the back taxes on the property. 
While the XXXX XXXX XXXX made them pay me back those monies they tried to stea to pay me back for refinancing my house, which was XXXX. I feel they still owe me this money for refinancing because I would not have had to refinance had they listened to me to begin with. 
What they did was blatant theft. 
I will be happy to scan and email or copy and mail my entire file of this affair for this lawsuit if it will help. Please let me know. All of my contact information is on your included form and at the end of this letter. 
Sincerely, XXXX XXXX ( formerly XXXX XXXX ) ( XXXX ) XXXX-XXXX
Product: Debt collection

An alleged collection company  ( Harvard collection services Inc )  phone number  XXXX   XXXX  and  XXXX  contacted me couple of weeks ago until present trying to collect an amount of  XXXX . This amount was paid to  XXXX   XXXX  located in  XXXX , TX approximately 3 years ago which is I 'm pretty certain that I 've paid that amount. I asked the company to provide me their professional practicing license, they have n't gave me any. In this time, they 're keeping calling me to pay that amount inconvenient times during work and on weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I called Experian about my credit report around XX/XX/2022 regarding opening my credit report because I keep it locked. On XX/XX/2022 I was provided a time slot of XXXX to XXXX for opening my credit report, thereafter Experian would close the report. On XX/XX/2022 I found my credit report unlocked. I called Experian about this situation and at the same time after reviewing my credit report, I realized there were some other inaccuracies. I brought it to the attention of Experians customer service representative. The agent dismissed all of my concerns. As a result, I filed two complaints on line about the inaccuracies on my credit report with Experian. A week later I received an email about my Experian report. I open the report only to find that my credit score had plummeted XXXX points. I called asking why did Experian representatives lower my score, they denied any wrongdoing. Yet my credit card now seemed to have reached it maximum credit availability when in fact the week prior my credit report had the correct credit availability for my credit card which was more than twice the amount owed for available credit. A week later I went on Experian again only to realize that my credit score went down an additional XXXX points. 

Since I called Experian the first time to make corrections, instead of the agents being helpful, they took advantage of their position, they created havoc by falsely inputting information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account CCB/ULTA & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Money transfer, virtual currency, or money service

Wells Fargo made a faulty transfer to my bank account. The money was returned and now WF makes it impossible for me to get my money back. I made more than 10 attempts to talk to WF. Every time I talk they give me new information. In the end nothing happens. 
I need you urgent help with this. 
Here are the details : I had a saving account in Wells Fargo Bank. 
On XX/XX/2022, Wells Fargo sent me an e mail saying that this Bank required that all consumer provided a valid primary residential address located within the US or its territories. As I don't live in the US, I decided to close the saving account, because they pointed out a deadline until XX/XX/2022. 
I called Wells Fargo from XXXX, using the phone number XXXX XXXX XXXX XXXX ( that calls were charged to my phone receipt, even when they were supposed to be no charge ), and I asked to close my account. They gave options to get my money : to send me a check or to do a wire transfer. I choose the second one to a bank in XXXX, and I called Wells Fargo and gave them next information so they send me the money : Account number in Wells Fargo Name of the Bank of destination ( in XXXX ) Swift code Account number of destination XXXX  key Owner of the account in XXXX ( me ) On XX/XX/XXXX, a Wells Fargo banker called me and verify the information, she let me know that the deadline to have the money in my account in XXXX was XX/XX/XXXX, but maybe too much soon. 
On XX/XX/XXXX, I received an email communicating my account was closed. But the money was not in my account. 
I called Wells Fargo many times ( all of them charge to my phone receipt ), and finally they told me I had to ask in the XXXX bank, because as the Wells Fargo account is know closed, and they could not find the money. 
In the XXXX bank they told me Wells Fargo asked for an investigation about that transfer, and they answered them on XX/XX/2022, the money was returned with a transaction number. I called Wells Fargo again, and sent that number, but they just answered : Hello We have contacted to our wire room- Wire still has not been returned and no messages from Beneficiary bank. 
Please contact your bank regarding your wire transfer. 
Thank you Said an Operations Processor, Issue & Inquiry Resolution / Account colusures & Partial Withdrawals What can I do know? 

I just want to have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have 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 XXXXXXXX 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 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 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 in accurate.
Product: Credit card

On XXXX XXXX, XXXX I made a paid in full settlement with the collection agency for Barclays bank Delaware by paying {$1000.00} as a full settlement for the balance of {$2000.00}. The advised this account will be charged off with a XXXX ( XXXX ) balance. But after that they have not charged off my account with zero balance and also sent me a bank statement dated XXXX XXXX, XXXX with a statement balance of {$2000.00}.
Product: Debt collection

Some company purchased note of my property of second lien. 
I had struggled financially and could not paid equity line and the note after almost a seven eight years was purchased by some one. 
They started threatening me to foreclose my property. Last year i have complained about them. They told me to apply for modification and they have added {$5300.00} of accrued interest and {$1400.00} in unpaid charges. making my principal go from {$47000.00} to {$54000.00} I have agreed to it thinking now i will have to pay $ XXXX monthly and they will be back off. 
Surprisingly, they came after me again after a year stating that forbearance agreement was only for a year and started threatening me again. Why i have agreed to pay them almost {$7000.00} in additionally. 
This is nothing but scam. This kind of practice must been stopped or looked. 
i am ready to pay whatever i have agreed to of {$250.00} a month for rest of life.
Product: Credit reporting or other personal consumer reports

Equifax has my name wrong in their database, as well as my current address. I literally sent them government documents showing my correct information- my social security card, a court document approving my name change, and a bill with my current address and correct name on it. They asked for XXXX document and I sent them XXXX. They are refusing to fix this information after XXXX dispute requests so far! The other XXXX credit bureaus had zero issues updating my correct information ( they only had to update my last name ). I am extremely uncomfortable that Equifax is in charge of handling my sensitive information and refuse to fix it. They are even showing my name spelled incorrectly as the valid name on my account. I am appalled and disgusted by this company 's lack of professionalism and inability to efficiently carry out tasks that they are responsible to correct. We are supposed to trust these people handling our most sensitive data...
Product: Mortgage

I have a mortgage with XXXX XXXX for a property in XXXX, La. I once lived in a house on this property, but the house was destroyed in Hurricane XXXX in 2005, and all that remains is a vacant lot. Ocwen took over the loan after XXXX. The company has recently been sending me letters about force-placing flood and hazard insurance on this property. I have called them many times to inform them that there is no structure on this property, but they continue to send threatening letters about this insurance. Because the insurance they plan to place covers damage to a structure, and there is no structure on the property, this insurance would serve absolutely no purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to dispute inaccurate, outdated information with Experian credit bureau regarding a creditor called XXXX XXXX ; the most recent attempt was on XX/XX/2019. On that date, I called Experian credit bureau and disputed the accuracy of the information being reported by XXXX XXXX and that account had been closed and also that it had been included / discharged in  my chapter XXXX bankruptcy. I received notification from Experian by email XX/XX/2019 that the result of that particular dispute of XXXX XXXX had been completed and the results indicated that Experian decided to make no change and the creditor is still reporting inaccurately, exactly as before. Experian went on to say that results of their contact with XXXX XXXX were that the information was 'verified '. The information that Experian continues to allow creditor to report about me is most definitely inaccurate and could not have been verified as XXXX XXXX is included in and discharged under my chapter XXXX bankruptcy. At this point, both Experian and XXXX XXXX are violating my rights and laws under the federal bankruptcy protection code and which I'm required relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple identity theft reports and letters to all 3 credit reporting agencies regarding two collections and a number of incorrect information reports on my credit profile. XXXX continues to report this unverified and fraudulent information. The collections were removed previously and re-added, again, without verification that the accounts belong to me. I have exercised my consumer rights in all letters regarding verification and reporting fraudulent information to all 3 agencies, but the consumer reporting agencies have been negligent and have continued to ignore me. 
All dates of letters are included in the files attached. I have also spoken with all 3 agencies verbally, multiple times. 
Neither company has provided me with any updates or information on how they might have verified anything. All have received identity theft reports dating back to 2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Formerly known as XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  Date reported XX/XX/year> Date assigned XX/XX/year> Amount {$1800.00} Status date XX/XX/year> Balance date XX/XX/year> Account number xxxxxx XXXX According to 15 U.S.C. 1681i, I did not authorize the reporting agencies. Please block and remove the accounts under 15 U.S.C. 1681c-2.
Product: Debt collection

On XX/XX/2014, Wells fargo " closed '' and account that i was unaware of for {$980.00}. A family member had taken out a credit card under my name without my knowledge or approval. i have disputed with all 3 reporting agencies.
Product: Debt collection

I saw XXXX XXXX bills on my credit, in which I was unaware of I immediately contacted XXXX to file a dispute however they havent helped I contacted XXXX however they kept asking me for an account number and other personal information in order to access the account. XXXX sent me a notification stating that my personal information was found on the dark web on XX/XX/year> and along with XXXX Ive had over XXXX credit inquiries of trying to open credit cards with different retail companies and also banks. I tried to rectify this issue however XXXX told me to call each company and ask them to send a letter to them stating it wasnt me, I e been getting the run around while my credit has been deeply affected
Product: Prepaid card

I need my money I just loaded my card to by my bills I need my XXXX money NOW they are closing my account for an reason unknown to me and PayPal has refused to tell me why but I need my XXXX money right XXXX now!
Product: Mortgage

XXXX you and your team of attorneys and company executives agreed to cancel the loan only if I paid XXXX in escrow fees you claimed you had already paid out. 

Your words not mine. 

Please tell where you spent that XXXX you claimed you spent. 

My records show you never spent a dime to pay my ins or taxes. You left me without home ins for nearly 4 months. 

So where did you all ply the XXXX you said you spent??
Product: Debt collection

I am requesting the Bill of Assignment for this alleged account. Without proving the ownership right of this account being transferred or assigned to COLLINS ASSET GROUP , LLC, this debt collection agency can not legally communicate with me or attempt to collect the alleged debt from me. Please be advised that providing a memorandum or other statement from your agency, COLLINS ASSET GROUP , LLC stating that the assignment of the account was transferred shall be deemed insufficient. 

Additionally, I have confirmed that this agency COLLINS ASSET GROUP , LLC is originally incorporated in the State of Delaware ( File Registration # XXXX ), however, in order to legally practice the collection of debt from residents in the State of Illinois, COLLINS ASSET GROUP , LLC is required by law to be licensed. 

Please provide me with a verified ( sworn to by affidavit ) Certificate of Authority from the State of Illinois, authorizing your agency to transact business in the State of Illinois and a photo copy of your State Department of Commerce and Insurance Certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX that my credit score dropped. I immediately went to check my score. I saw a mark against me from Bank of America For {$61.00}, I was Immediately alarmed. I have never had a Bank of America account, checking or savings, let alone credit. I have never applied for a Bank of America credit card. I never had to I am an XXXX XXXX card member. I called Bank of America immediately and was told there was a credit card opened in XXXX of XXXX, and the annual fee was delinquent as of XX/XX/XXXX, I told the representative that I never opened this account, had no knowledge of it until I received Transunions email and am extremely alarmed. The rep immediately closed the account after asking me a series of questions and told me, the credit bureaus would have to contact them to confirm the account was fraudulent. I did as instructed and filed proper disputes. Today I got a notification from XXXX stating the account is accurate. I am Not sure where the disconnect is but it needs to be rectified immediately. I have worked extremely too hard my entire adult life to have amazing credit for it to be jeopardized for a {$61.00} annual fee for a card I did not open.
Product: Checking or savings account

Credit Karma froze my account due to a negative balance. After I deposited money to cover the negative balance and more, they still have not reinstated my account. So now I have almost XXXX dollars sitting there and they wont give me access to it until my case is resolved by some special team. They wont give me any more details only that they will email me when they can.
Product: Debt collection

I am being charged for a collection that i was never aware of. Person who rented in XXXX Arizona used my name and identity information to rent an apartment under my name. Agency responsible for apartments never received a signature from me nor did i ever provide original or valid identification or knew there was an apartment under my name in that city.