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

I will be suing wells fargo for letting the felon criminal 's XXXX and XXXX XXXX to leak out my private information and how they told their friends to get them to laugh at me. Since wells fargo will not do anything to XXXX XXXX for her using her position as a district manager to do unethical and criminal things against me. I have no choice but to take legal action, since wells fargo choice to make a business decision to get involved on her behalf to close my checking account and telling me not to enter their bank. I will be filing legal action to sue wells fargo for defamation of character, XXXX XXXX  and XXXX XXXX. I have been patient beyond belief to no avail with wells fargo, they have pushed me to do this, they want to keep messing with my emotions. I can sue for someone falsely accusing me to take away something from you, this case my checking account. Wells fargo can not take away my civil rights. I was pressured by banker " XXXX XXXX '' at the wells fargo branch located on XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX al XXXX. My insurance company uses wells fargo for their bank, so i had to come in to cash it. This was in XX/2013 and this banker named " XXXX XXXX '' would n't leave me alone to open a new bank account. She also made fun of my sons facial expressions, this is unprofessional for a banker to do. I did not want a checking account with them but she kept pressuring me to open one anyway. And this XXXX banker employee kept running my son back and forth harassing him. And to be treated like this by wells fargo even though I did not want a checking account is a pure insult. All i wanted to do was cash my insurance check and leave.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Also this account incorrectly reports to multiple bureaus, with different information.
Product: Vehicle loan or lease

My car was totaled in an accident. My insurance company did a three way call with myself and Wells Fargo Dealer Services. They obtained the payoff amount and the address to send an overnight payment. ( this is the same address currently listed on Wells Fargo Dealer Services website for overnight payments as well ) I have since been informed that the address on the website as well as the address provided by the customer service representative are for NON-INSURANCE claims. The website directs you to choose the pay off reason. Even if you choose Insurance Claim, it provides the same incorrect address. 

The check was sent overnight on XX/XX/XXXX and arrived at the location on XX/XX/XXXX. The check amount was {$5500.00} Check # XXXX. The tracking information for XXXX is XXXX. From that point the check was forwarded to another address for Wells Fargo. 

I called Wells Fargo Dealer services on the XXXX and they stated it could take several days to post to the account and directed me to call back in a week. 

I called back a week later, and was told the check was sent to the wrong address. I explained that Wells Fargo Dealer services had provided the address. They told me due to the wrong address the check would take longer to post, and advised I call back in a week. 

I called back a week later and was told they did have record of the check received on XX/XX/XXXX and that a supervisor for that location forwarded the check to XXXX CA for the insurance payoff team. However, the check at that time was not received at the location as it should have. They advised they would need an additional week to research. 

I called back today and was told they lost the check. They have not applied it, and refuse to reimburse me. My next payment is due in two weeks. They have now asked that I reach back out to my insurance company and ask that they issue another check, and place a stop payment on the first. ( This will of course cause an additional fee to my insurance company for the stop pay - from the bank! ) All of this is costing me and my insurance company time and money. My next payment is due on XX/XX/XXXX, and the insurance said it will take at least a week to get the first check canceled and a new check issued. I do not feel I should be responsible for this payment, any late fees, or any adverse actions on my credit report due to Wells Fargo 's ineptitude. They are a multi national banking institution that had a profit of XXXX XXXX dollars 4th quarter of XX/XX/XXXX. Wells Fargo admits they had the check and lost it. I feel they should be replacing the check, not me or my insurance company. They should be issuing their own check from their own accounts to pay off this loan. If I were 1 day past 30 late on ANY payment, I would have a late fee of 40.00+ and a report on my credit. I would like the same treatment for their mishandling of this issue.
Product: Debt collection

I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. 

I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. 

At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 

I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. 

I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation.
Product: Prepaid card

Tried to add this XXXX XXXX XXXX XXXXXXXX to XXXXXXXX XXXX  so I could use it in-store, but I failed, I called customer service and they couldn't fix it and never called back about it. Tried to use it both on XXXX XXXX which are participating merchants that this card can be used for, but both got declined. The card can't be used anywhere.
Product: Credit card or prepaid card

We want to let your organization know that we believe that our credit card has been compromised or hacked. Either through an XXXX device or our Fidelity Credit card itself via XXXX. 

On XX/XX/2018 we were informed by our financial institution ( Fidelity Visa 529 card ) that our small purchase wouldnt go through because we were over our limit. Doing further investigation, on our own, we found that approximately {$20000.00} of unauthorized charges were on our childs phone via i-tunes and ONLY i-tunes. 

We contacted Fidelity and formally declared unauthorized activity or fraud. We also contacted XXXX fraud support case # XXXX. In the beginning Fidelity spoke with and worked with XXXX and refunded some of the charges. However, after more charges came to light and our case with Fidelity was transferred to another fraud employee they no longer agreed that fraud was the issue. 

We asked Fidelity, why they didnt let us know about suspicious activity on our account or put a hold it. They claimed we have to be authorized, by you the card holder, to contact you when we suspect unusual activity. They did however contact us previously about suspicious activity and stopped one card and sent new ones, without being authorized. 

While on the phone with Fidelity fraud department and with our childs phone in our possession new unauthorized i-tunes charges were rolling in. Fidelity deactivated this card and sent us new cards. Shortly after, putting this card into an XXXX device, new unauthorized charges started once again. XXXX support said they would credit back these fraudulent or unauthorized charges just as soon as Fidelity requested them to do so. Fidelity has decided they will bill us instead. 

As a consumer, we do NOT believe that our interest are being protected by Fidelity Visa, nor do we believe that we are the only ones experiencing this.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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: Mortgage

I received a phone call from MUFG Union Bank N.A. on XX/XX/2019 for my XXXX mortgage payment. I told the agent - and sent them proof - that I sent a Priority letter with the cashiers check from XXXX on XX/XX/2019 and it arrived at their XXXX XXXX facility on XX/XX/2019. 

I called XXXX XXXX  to see if the cashiers check was cashed, and it was not. I have included the proof of delivery for the Priority mail, and the cashiers check stub. 

On XX/XX/2019, I called MUFG Union Bank, and they said that mortgage was paid, but the other day I received a letter saying it was not. 

This company is XXXX.
Product: Checking or savings account

I bank with M1 Finance. I have a checkings, savings and an investment account. I'm a victim of identity fraud and could not access my M1 accounts. In early XXXX ( XXXX? ), the criminal " XXXX  '' my account and was sending checks & ACH transfers by linking his bank. He changed my profile, email address and phone #. M1 never reached out to me to confirm these changes or obtain validation on outgoing funds. 

Over the course of 5 days, M1 could not get me into my account. I had no access to check on transactions or to make trades. 
The agent involved IT which finally gained me access. With the agent on the phone, I advised I cancelled one fraudulent check but two others are processing and to stop payment as I did not initiate. The checks in question had NOT cleared - total near {$8500.00}. 

I entered a dispute with M1 's Fraud Department and they denied reimbursement stating I logged in and made these transactions. I asked how I could have done that as I did not have access and for them to please review all transcripts, chat 's and recorded phone calls to confirm. There was nothing else I could have done! My funds are for you to keep safe. 

I've requested the XXXX XXXX to call me to discuss a resolution. I have not received the call nor has my funds been returned. 

To add insult to injury, M1 wants to charge me {$30.00} for each item to investigate. What??? M1 is 10000 % in fault. 

There are many instances online regarding M1 and the disappearances of funds which M1 states isn't their responsibility. See attachment of one such case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Product: Credit card

I was using the Synchrony card I got from XXXX  XXXX  and trying to make my minimum payments. I thought that the end of my minimum payments and the end of the promotional period would be the same, meaning that if I made the minimum payments, my balance would be fully paid off within the promotional period. My balance had dropped to around {$1000.00}, so I was shocked when I saw it go up to {$2500.00} yesterday. When I checked the app, I saw that more than {$1500.00} in deferred interest had been applied in XXXX and XXXX. 

If I had known this would happen, I would have definitely paid off the principal balance earlier. I called Synchrony and asked for a supervisor, explained the situation, and requested that the interest charges be removed, saying that I was ready to pay off my entire balance. They told me they had no authority to waive the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, transunion and XXXX  several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.
Product: Debt collection

This complaint is in regard to a collection letter mailed by AscensionPoint Recovery Services , LLC to collect a debt owed by my deceased mother, XXXX XXXX XXXX. XXXX of my mother 's creditors used AscensionPoint Recovery Services , LLC to collect outstanding account balances. As the XXXX of the estate, I wrote letters to the creditors to the best of my ability to inform them of the XXXX. I provided a XXXX  certificate for documentation purposes. Before I was able to settle the outstanding balances, AscensionPoint Recovery Services , LLC sent a letter to the Estate of XXXX XXXX. Sheets to an address that is not related to any of her accounts in any way. The letter was requesting information regarding the XXXX  of the estate. I am filing this complaint because I do not understand why AscensionPoint Recovery Services , LLC felt that it was necessary to send a collections advice to a random address. I believe that this predatory collection agency searched for the same last name in the same city, state, zip code as a XXXX  expedition. This is very offensive to my mother 's XXXX.
Product: Checking or savings account

I requested a withdrawal from XXXX XXXX to my checking account at CHASE. During the time it was pending, my phone and account had been stolen and hacked/compromised, and the next morning while the funds were at the time still pending. Chase urged me to close the account and open a new one. I did. They said the deposit would be kicked back to XXXX XXXX and Id have to request it again. XXXX XXXX informs me they never received the funds. A week or so of being given the run around and then I see ( where there wasnt before ) XXXX XXXX payments initiated from my account remotely to someone in California all in small increments, between the hours of XXXX XXXX and XXXX XXXX. Chase has refused to reimburse me the funds lost from this account. There are more details that i will go over when needed. They also due to this froze my account and then closed it. I will mention that while I was trying to get the funds returned, AFTER already losing the funds, they had me replace my router, my bank account, my phone, and my XXXX ID and password and they kept saying they would refund me once I did. So I did. And then They didnt. They also asked for and were furnished proof from XXXX showing that my phone had been stolen and compromised. They asked for this XXXX times each time saying they didnt know where it was. They would laugh. And hang up on me as I called everyday for XXXX months. At this point. I am exhausted. Im defeated. XXXX giant corporations, lost {$700.00} of mine, and they act like it was some life changing fortune im trying to get. Or they act like Im trying to get over on them. I just want whats mine, nothing more. Nothing less. {$710.00} was the total of the deposit and roughly XXXX I believe never made it to my hands.
Product: Debt collection

I received two phone calls from this company demanding payment on a debt. No written information was provided on the debt. Shortly after receiving the first call from this company a written dispute and request for validation letter was mailed on XX/XX/XXXX. During a second call with the representative I again informed her the account was in dispute and that I had requested validation of the debt. 

Today, XX/XX/XXXX this agency has reported the account to the credit bureau, did not indicate the account was disputed, and has failed to provide verification of the debt as requested on 2 separate occasions.
Product: Prepaid card

Hello, this is XXXX XXXX. I use chieme debit card to spend money on XX/XX/XXXX. I want to dispute the XX/XX/XXXXtransaction, I have been using XX/XX/XXXXall the time. I downloaded XXXX XXXX, which is an app that uses TV and modification technology to cheat toys. I tried to ask them for a refund, and they agreed, but I never received it. XX/XX/2023 they say refund to me, I never received my money, I need you help me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please delete and block these accounts from my credit for XXXX, XXXX XXXX, XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

on XX/XX/2020 I purchased a oven, stove, refrigerator, microwave, and dishwasher. Per my agreement I am to have these appliances delivered on XX/XX/2020. As of today my appliances have not been delivered. I reached out to Home Depot and the 3rd party service that was suppose to deliver these appliances. Home Depot delivery services claim that they tried to deliver the items however there was not a call placed nor did any driver try to make contact with me via ringing the doorbell. I called the delivery company and they advised me that they came back which is an absolute untruth. XXXX, from Home Depot delivery service then claimed that the drivers took pictures. I advised her to send me the pictures she wouldn't. As I continued to advise her that the drivers did not come by she was completely rude about it. I have paid {$4300.00} for these appliances to be delivered. I then asked XXXX for the name of the drivers she said she doesn ; t know although she was talking to them. I asked her what was the manager name she said she doesn't know ... the number that I spoke to XXXX on is XXXX. As I reviewed that phone number and complaints it seems as if Home Depot has done this alot. I just want my appliances as I have paid for them.
Product: Money transfer, virtual currency, or money service

This is the second issue I have experienced with Bank of America. I was told that a cashiers check would be mailed to me for the amount I requested from my returement account and it did not arrive within the 7-10 business day window. I had to reach out to my Merrill Lynch advisor to obtain information, and he explained that the money had never been moved. 

He instructed me to go to the local branch and ask for the amount. The account was never closed or serviced. It took 3 tellers, 1.5 hours and 24 additional hours for my money to become available to me and released to a new bank.

I still do not have an advocate contact at Bank of America, and one month of my life has been damaged for the lack of care of this company. I deserve restitution and also an explanation.