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

I was just about to file THIS my eighth complaint to the CFBP when XXXX form the Wells Fargo XXXX XXXX called me. She was none too pleased! " You have filed XXXX complaints with the Consumer Financial Protection Bureau! '' I told her I did because Wells Fargo Bank refuses to remove the {$240.00} in overdraft charges, refuses to recognize that I do not possess a mobil phone for on-lining bank, and has had several people from that same office call me, the last one on a phone call lasting an incredible XXXX plus minutes! That is, XXXX plus minutes! 

Now XXXX wants to do research but I told her that Wells Fargo Bank has had some XXXX or more weeks to do the research! 

I also told her that I have no idea about my checking account and thus can not draw any checks on it! 

I told her I FEAR HER BANK SHALL TAKE OUT YET MORE OF MY VITALLY NEEDED SOCIAL SECURITY MONEY WHEN NEXT, XXXX IT IS DEPOSITED! 

I added that her telephone call was causing my heart to raise and me to sweat but as to THIS total gross silence and indifference! 

She told me that a " resolution '', whatever that means, shall be made on XX/XX/2024which is more than XXXX ( XXXX ) WEEKS AGO! 

I told her that in all due respect my beloved and loving wife, best friend, and soulmate XXXX, also a Wells Fargo Bank customer, vitally need this money, we share and share alike, to pay some of our medicine and other bills! But it would appear XXXX as with her bank Wells Fargo Bank are UNMOVABLE! 

I specifically told her and I have told the others who have called that I have LIFE-SAVING MEDICAL CONDITIONS and can not just run over to the branch in XXXX anytime I want!
Product: Checking or savings account

I filed an SEC complaint against ALLY Invest about a week ago due to refusing to sell investments in a timely manner. Then on XX/XX/22, I tired to withdraw the money from my Ally Bank account only to find it blocked. I called Ally Bank to find out why. They would not say. Instead Ally Bank directed me to their fraud department. I was made to verity myself and then placed on hold. The fraud department came back and said they did not believe I was the owner of the bank account. 

I was mad. All my savings is with Ally. If my account stays closed, how will I pay my bills? My paycheck goes to ALLY Bank. I can't get any money out an ATM because my account is locked. I would need to send in more information about myself before my account would be opened again. I sent information on XX/XX/22. I called today on XX/XX/22 and ask for the status of the account closure. Ally fraud department still will not say anything. I was told there is no set end time for the fraud investigation. 

I am not understanding any of this. How can a bank just take a person money without warring? I have bills to pay. There has been no fraud on my account in the XXXX years I have held this account. No one at ALLY Bank has ever asked for more information about my ID. 

Can someone help me? If this does not get resolved soon, I will have to sell something to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I was the victim of identity theft. I followed all the necessary reporting steps, including reporting it to the 3 credit reporting agencies. I contacted the companies that were involved in either granting credit in my name to the thieves or who had reported and inquiry into my credit. This week, I became aware that TransUnion had not removed the initial fraudulent inquiries off of my report, and had allowed another inquiry on XX/XX/XXXX ( even though I had put a freeze on my credit and had fraud alerts on my account ). I contacted TransUnion and they said that I had to contact the companies that received the credit requests. I contact the first creditor ( creditor # 1 ) and they assured me that they had, in fact, sent documentation to TransUnion in XXXX of XXXX letting them know that the credit application was fraudulent. They agreed to send it again. The second creditor ( creditor # 2 ) no longer had the application in their records, so they were unable to send any documentation regarding the XX/XX/XXXX credit inquiry. I then called Trans Union again, the first person I spoke with told me that they could see that creditor # 1 communicated with them, but that she needed to forward me to the fraud dept. She forwarded me, and that person also told me that they had notes from XX/XX/XXXX about receiving communication from the creditor # 1, but that she would need to forward me to a supervisor. I was then forwarded to a man who introduced himself as XXXX and identified himself as a supervisor. After explaining the situation, he said that they showed no communication from creditor # 1. I told him that two other TransUnion reps had told me that there was communication. He said that there was none. I told him that I had already been told that there were notes in my file stating that creditor # 1 had communicated with TransUnion on XX/XX/XXXX. He said " that is incorrect and those employees will be disciplined ''. After that, he was short with me and minimally helpful. I asked how it was possible that the other two reporting agencies had removed the fraudulent information from my credit report promptly and had not allowed any other credit inquiries, but TransUnion had done neither of these things? He had no answer for me. I asked why I wasn't informed of the credit inquiry in XXXX of XXXX, and he said that because they had not updated my phone number ( I've had the same phone number for over 25 years! ). I gave them my phone number and my husband 's phone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was deleted from my credit report last year because the account was found to be fraudulent Now this corrupt company bought the same debt and is putting me in collections for a fraudulent account
Product: Checking or savings account

I deposited three checks about a week ago in late XXXX, 2020 for the sum of XXXX into my Chase checking account. All three checks cleared. Yesterday my debit card for my personal checking account was declined. I went to the local Chase bank in XXXX XXXX and asked what was going on and Chase had frozen my checking account. The branch manger told me she could not speak to me about it, I had to talk to the security department over the phone. The woman from securities was extremely rude. She said she couldn't verify any of the checks. One of them was a personal check and two were from separate companies. They called the number I provided for the personal check ( XXXX ) and said it was verifiable but they couldn't verify the other two ( XXXX ) and they couldn't give me the funds until they could. 

The next day my account was closed and my money was gone, including the remainder of funds, not affiliated with these deposits. I went into another Chase bank and spoke with a banker. He called Chase securities again. He seemed just as baffled as me. He said " I'm not sure why they are doing this to you, it doesn't make sense to me either. '' After the call he apologized and said there was nothing he could do. 

My rent check didn't clear and I am missing payments on my credit cards. This is doing a lot of damage and it seems illegal. I don't know what is in place here to protect me, the customer, but it has been very damaging to me financially and caused so much stress. I feel that I am being treated like a criminal when all I did was deposit three checks, which I have done many times in the past.

I have attached the three checks in question at the bottom in PDF format -XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my wife 's grand parent applied and get approved for a credit card with Pentagon Federal Credit Union. He added me as an authorized user. The Covid situation affected us and he was not able to make the payments. Based on the Pentagon FCU card agreement, which I attached, " ... I am not financial responsible for this account ... '' since I am not the account holder, just an authorized user. The account is showing on my credit report and is affecting me now when I'm trying to purchase a home for me and my family.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting or other personal consumer reports

Ive noticed some unauthorized and fraudulent inquiries on my consumer report. 
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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAXIWOKEUPTHURSDAY, AND PULL MYCREDIT REPORTJUST TOCHECK MY CREDIT.I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/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 XX/XX/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: Mortgage

I am having a problem with the management of my escrow account. 

Around XX/XX/XXXX, XXXX of XXXX, overwrote my property insurance with an incorrect policy. This has resulted in an incorrect payment being made, an incorrect adjustment to my monthly payment, a proof of insurance request from an outside vendor, and a threatening letter that I am underinsured. 

I called around XX/XX/XXXX, to speak with customer service and alert them to revert back my proper insurance information to avoid incorrect higher payments. I was told the issue would be taken care of. 

I wrote a letter on XX/XX/XXXX, via the secure online portal, following up on the actions taken. 

I called again around XX/XX/XXXX, to follow up. I was told that I was being transferred to a supervisor, but then was hung up on. ( After waiting an hour to be initially connected XXXX Now it has been over a month and I have had no resolution to this issue. I can not get through to customer service and I can not get a call or email back. This issues has cost me time and money, as incorrect higher assessments have been levied toward my mismanged escrow account ( since an incorrect and unnecessary payment was made from my acccount ). 

I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

S & S Recovery has violated my rights. I am aware of all rights that I have, and which are protected by Congress under the FCRA and FDCPA. I still have not received any communication from S & S Recovery on how to dispute this matter in their office. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1692g ( b ) and 15 USC 1681.

S & S Recovery you have completed your investigation and while under an active dispute process you did not cease reporting 15 US Code 1692g ( b ) but have sold it to other reporting agencies, including XXXX, XXXX, and XXXX, and have requested for the account to be updated to reflect S & S Recovery ( alleged findings ) I did not grant S & S Recovery permissible purpose to obtain the information and report it. 

I have additional questions pertaining to Your investigation? Did you talk to my neighbors, friends, and family? If so, I have a right to the investigation report. so please inform me with whom you completed the investigation. Also according to FCRA, you have violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : S & S Recovery Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o {$15000.00} from XXXX XXXXL acct # XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable/Fraudulent debt from my report as of XX/XX/year> ( See attachment ). According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable/fraudulent, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Credit card or prepaid card

I purchased a visa gift card ( issued by XXXX XXXX XXXX and distributed by Blackhawk Network ) to use for online purchases, and on XX/XX/2018 I used it to charge {$54.00} to purchase an item. In XX/XX/XXXX, I contacted the merchant as I did not get my item, and was told via email on XX/XX/2018 that I would get a refund. Upon learning I would get a refund, I checked my visa card online at XXXX, and it showed I had a XXXX balance, so the refund had not come through yet. The following day, when I went to XXXX, it told me that the card number I entered was invalid, and that I should contact the merchant I bought it from. I then tried to call their customer service number off the back of the card, but got the message that the card number was not a valid number, and was not given any options to talk to a person to find out what happened to my refund. I had to use a different visa card I had purchased to finally get to talk to a representative, and was informed that the card had been blocked due to the refund, and that the money would be available in 3 days, but I had to call back to get the card activated after the three days. When I called back again on XX/XX/XXXX, I was told that it would take another 2 days to have the money available, at which time I demanded to talk to a supervisor, and finally got my money. I wasted over 2 hours in total trying to get them to reactivate my card that they deactivated when the refund came in, which they won't compensate me for. I am positive the issuer has instituted this policy to steal refunds from cardholders by making it impossible to check on their cards to see if the refund has come in, and by making it extremely time-consuming to get the card reactivated after they deactivate it. When I finally got through to the last person, he wanted me to verify the date of the purchase in addition to all of the background information I previously supplied to the other customer service people in a final attempt to delay giving me my refund - and since I could not look at my online history for that card, I was lucky I still had my email receipt or they would have further delayed the refund. I want this policy stopped - it has happened to me with other pre-paid credit card companies on 3 other occasions ( when {$1.00} charges appeared on my card which were not authorized, and when I disputed them, they did the same thing to the card, de-activating it and not allowing me to see any information on it or get info via the customer service number ) and while it is not financially practical for individuals to do so, it clearly is in the best interest of all comsumers that you do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had an account to become pass due with XXXX University. 
They sent it to XXXX XXXX XXXX  whom then sent it to credit transunion and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due. 
It have made calls to both XXXX and XXXX XXXX  they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15usc1681b no permission to post anything. I, the consumer controls what goes on my consumer report. Fraudulently placing is grounds for imprisonment and or {$1000.00} per violation. 
Privacy law broken according to The Privacy Act of XXXX  ( 5 USC 552a ) protects personal info held by FEDERAL GOV'T by preventing unauthorized disclosures of such info. Individuals have the right to review such info, request corrections, and be informed of any disclosures. 
I have not applied for anything, on the XXXXXXXX XXXX accnt or the XXXX XXXX ACCOUNT in collections with XXXX XXXX XXXX. 
Medical is a HIPPA violation that should ONLY be discussed by the consumer and the facility, according to 15usc1681a ( i ) ( 2 ) sharing with anyone else is a violation and against privacy laws as stated above. It is a fact, XXXX is aware, medical can not include. 
XXXX I never opened a bank account or had a credit card. When I called they couldnt even find a bank account. I am not military. This is fraudulently opened somehow. I filed a FTC report and been fighting to get this removed. They never provided and validation proof of the account. How is any of these account verified. A bill isn't justifiable either.
Product: Credit reporting or other personal consumer reports

Wells Fargo Dillards Credit Card, shows one late payment on XX/XX/scrub>XXXX XXXX This account was paid to zero balance in XXXX XXXX and was never late in XXXX Would like company to send information or proof that the information is correct, if not they need to remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately. 

XXXX XXXX  This account being on my report is an invasion of my privacy as the consumer. You were not present and have no firsthand knowledge of what took place. You have been unfair and partial as it relates to my information. You are currently in violation of your grave responsibilities. 

In additional to the facts stated above, any approval or specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from my report.
Product: Debt collection

Collection Agency Contact Information is Debt Collector : Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX Dear FTC : This complaint is against Hunter Warfield Debt Collection Agency regarding a debt that they purchased from Residence at Congressional. 

Please note that I DO NOT OWE This Debt. My Security Deposit was taken for the {$130.00} that was owed and not {$790.00}. 

Hunter Warfield Collection Agency is deceptive by Adding this Debt that I do not owe to the Collection Agencies. Please note that I DO NOT owe this debt. 

Before I contact a Lawyer, I am contacting the FTC to assist me in making sure that Hunter Warfield remove this Negative Information from my Credit Report and Refrain from Contacting me, because I do not owe this debt. 

This apartment complex was given 90 ( 3 months ) notice indicating that I would not renew my lease in 2017. They were also given written notice that I would be vacating 3 days earlier during the month and that they should use my security deposit to cover those 3 days which they have used and never returned to me. 

That being said, please assist me as a consumer by having HUNTER WARFIELD CEASE AND DISIST. 

My next steps to secure legal counsel and sue Hunter Warfield for damages if I loose my security clearance. 

Thank you for all your assistance. 

Regards, XXXX XXXX