23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am a customer for Wells Fargo customer for the second and final time. I have spent a total of 5 hours in the XXXX XXXX XXXX office trying to resolve my deceased fathers accounts. The manager XXXX XXXX was out on vacation today. Unfortunately, I was being helped by someone name XXXX. She was not familiar with the process. Between her and the legal department things went from bad to worst. She was trying to have a conversation with me and the legal department at the same time. She could n't seem to get my name right not once. I was given the wrong forms to fill out. After she notarized them she realized they were all wrong. Although the process was lengthy the first time XXXX XXXX, 2016, it was handled professionally. 
I could no longer continue business with such a unprofessional person ( XXXX ) so I left to deposit and cash a check for my personal account, on the teller side. Well things on that side was no better.. XXXX XXXX proceeded to tell me, very hostilely that it would be a {$10.00} fee for cashing a Wells Fargo cashier check and issuing another one minus XXXX. So, I stated I wanted to cash the entire check and take the cash. He then stated, " that was not possible. Wells Fargo requires a 3 day notice for cashing such a large amount ( XXXX ). I asked him to wave the fee ( as they always did ), he again stated very hostilely, I will wave it today, for the last time. I really do n't think I need to put up with such poor attitudes and lack of employee 's knowing banking policies. I did however receive excellent service from XXXX. What she did n't know, she kindly stated that and politely found out the correct information. I have never, never received such poor service from this particular branch. In the future if XXXX XXXX is out, another person besides XXXX need to cover as a Manager. Their are other qualified and professional staff members that can maintain excellent customer service. There was no one to greet the customers and I sat for XXXX min. before I reached out for someone for help. XXXX XXXX XXXX walked right by me and placed another customer before me. That is when I spoke up. I will not be returning to this branch. As soon as my check clear I will be closing my account at Wells Fargo for the last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to XXXX XXXX XXXX and all e credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX { last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$15000.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX - XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

Suntrust has unreasonably frozen both my business checking account and my personal checking account. I opened my personal checking account a couple of months ago and have maintained a {$500.00} balance for the past month. The account still holds a {$500.00} balance that is unreasonably frozen. My business checking account was opened on XX/XX/XXXX and received a {$300.00} credit on XX/XX/XXXX. The account was inexplicably frozen last week and I'm not given any information as to why. 

I called Suntrust twice on Friday, XX/XX/XXXX. The first time, I was told that my accounts had been frozen and that I'd need to go into a branch and that was all the info they could provide me. The second time, I was told a similar thing but that the office that handles the issues was closed for the afternoon and so I should call back on Monday. I called back on Monday, XX/XX/XXXX and, again, I was told that I'd need to go in a branch and no information could be provided to me over the phone. 

I am currently in Texas and do not have the opportunity to go into a branch. The nearest branch is an 8 hour drive away. I need both accounts to be unfrozen so that I can access these funds.
Product: Credit card or prepaid card

I was mailed my unemployment card. I used my card to withdrawal money on XX/XX/2020 at XXXX XXXX. I tried to use my card again to withdrawal money and it would not work.
Product: Checking or savings account

On XX/XX/XXXX, Alliant mailed me a letter stating that Alliant would close my accounts. A copy of this letter is enclosed for your reference. On XX/XX/XXXX, Alliant disabled my online login and ceased sending monthly statements. In light of Alliants actions and its threat that it would close my accounts, I believed that Alliant did close my accounts. 

On or about XX/XX/XXXX, Alliant mailed a Statement of Account that indicates Alliant did not close my savings account in XXXX. Unbeknownst to me, Alliant retained {$54.00} in my savings account. A copy of the XXXX of Account is enclosed for your reference. The Statement of Account indicates that an inactive fee, escheat fee, and dormancy fee were charged against my account in XXXX to bring my balance to zero and close my account. 

On or about XX/XX/XXXX, I mailed a letter to Alliant similar to this complaint, asking Alliant to return the {$54.00} it wrongfully withheld from me. As of XX/XX/XXXX, I have not received any response. 

Since Alliant wrongfully withheld account statements, disabled online account access, and informed me that my accounts would be closed, I had no way of knowing that Alliant kept my account open after it claimed it would close my accounts. Alliants decision to retain my {$54.00} was wrongful. Thus, I request that the various fees imposed in XXXX, XXXX, be reversed and that my {$54.00} be returned to me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX After checking my credit reports, I noticed that PlusFour Inc a debt collector had posted eleven medical accounts with credit bureaus as negative. I was never contacted by PlusFour Inc. 
I wrote to them the same day to request a debts validation for all eleven accounts by certified mail # XXXX XXXX XXXX XXXX XXXX and by regular mail. I had full medical coverage since XX/XX/XXXX except for the {$10.00} co-payment that're always get collected upfront and I only visit providers covered by my insurances company. 
XX/XX/XXXX PlusFour Inc refused my certified letter and was return back to me, except the regular mail.

XX/XX/XXXX Second request by regular mail to PlusFour Inc for accounts validations since I didn't get a response. 
XX/XX/XXXX Third request by regular mail for accounts validations - No responses. 
XX/XX/XXXX Received a collection bill from PlusFour Inc for XXXX XXXX XXXX for the amount {$110.00}, bill date XX/XX/XXXX. The same date I wrote back to them by regular mail requesting validation. 
XX/XX/XXXX received a bill again with a XXXX XXXX XXXX account statement showing zero balance, insurance company had settled with XXXX XXXX XXXX on XX/XX/XXXX. This  statement was provided to me by PlusFour , Inc how is that they refused to read this statement and were quick to bill me for something that was already settled. 
XX/XX/XXXX I responded again to them and took the opportunity to request validation for all eleven accounts reported on my credit reports by certified letter # XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX PlusFour Inc refused my certified mail again and continue to report inaccurate information to the credit bureaus. 
It's not fair to the consumers that collection agency chooses what mail to receive and which one to refuse, we the consumers spend a lot of money sending certified mail but, the collection agency due it thru regular mail when is convenience to them. 
I'll be attaching copies of the letters, certified mail receipts, USPS trackings and other documents as necessary.
Product: Debt collection

They keep calling early morning and late at night ... using foul language telling me and wife that we are going to jail if we don't pay them ... but I don't owe them anything I keep asking for proof that I owe them they keep sending me old statements that's not theirs ... when I asked them about it they say they brought the account so now I owe them and they will put me in jail.
Product: Debt collection

XX/XX/XXXX I received a text message. When I opened it, it sent me a link with my information already entered. On the website it says I owe {$5000.00} to XXXX XXXX. It states that it was sent to collections XX/XX/XXXX I called to speak to someone about the situation and they said their name was XXXX. When I tried to explain to them about the situation, they proceeded to get loud and upset with me because I didnt want to give them my information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.
Product: Credit card or prepaid card

on XX/XX/19 my XXXX phone number was stolen and ported to another carrier. ON same date my XXXX XXXX indicated someone opened a best buy credit card. this dropped my credit score. I then called best buy and they put a stop on it. it still shows on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for XXXX  years. the amount of damage is ongoing and difficult to quantify. 
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Product: Vehicle loan or lease

Sold a car warranty that refuses to cover anything. 

Total paid for thus car warranty : {$1400.00} 1.Car started acting up, called XXXX XXXX they told me to take the car wherever I wanted & have the dealership call them.

2.Took my XXXX  XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, SC XXXX. 

Dealership calls, explaining that thus company ( XXXX XXXX ) refuses to cover anything not even the XXXX $ diagnostic fee! 

Come to find out this company doesn't even have a website or physical address! I looked up the phone number provided to me by Credit Acceptance who sold me thus warranty & I found nothing but ( BEWARE SCAM WEBSITES ) referencing ( XXXX XXXX ) Please see LINKS below referencing this company its terrible! How is this company allowed to do business is beyond me! 

1 ) https : XXXX 2 ) https : XXXX HOW DO YOU NOT EVEN COVER THE DIAGNOSTIC FEE of {$99.00} Please help me CFPB!
Product: Checking or savings account

VIOLATION OF THE FINANCIAL PRIVACY ACT : On XX/XX/XXXX18 at approx. XXXX XXXX  CST XXXX XXXX inquired with US BANK about her student account not having any money within it. They removed the funds without her knowledge to pay my loan. The girl who took the call was named, XXXX. She kept telling XXXX ( my daughter who IS NOT ON MY BUSINESS ACCOUNT ) that " your mom ( XXXX XXXX ) is behind on her payments '' telling my personal business to my daughter. 

XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told my daughter that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX knew that I was in a Debt Settlement program, but I wanted to KEEP IT CONFIDENTIAL the amount that I owed. 

XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of XXXX on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted XXXX. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXXXXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I am going to consult with my attorney about the breach of my rights and confidentiality. 

Please help me in filing a formal complaint in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was victim to an attempted wire transfer by XXXX XXXX XXXX XXXX, XXXX A customer of XXXX XXXX to be an employee of XXXX XXXX XXXX Since he gave me that information it sounded suspicious and I called XXXX XXXX immediately. XXXX XXXX had my debit card info so I believe he hacked my account and is a professional scammer. I thought that when I called my bank they froze the account. But XXXX XXXX was able to complete the wire transfer anyway. I called Navy Federal to report the scam and gave them his name and the account number he told me to send it to. Since the call was the same day and time Navy Federal should have either stopped or froze the transfer or his account. I believe they did not. This is a serious federal crime. I have been told by my bank that XXXX does not have the funds to return my money. But it went somewhere. I believe there is probably very unusual activity on his account and this level and severity of fraud should have been caught. Wire transfer went through on XX/XX/XXXX. I reported the information on XX/XX/XXXX. I feel the situation was ignored.
Product: Debt collection

An apartment application was submitted in Florida, a state in which I have never lived. Someone used my name and social security number to apply for an apartment. A deposit check was written and returned due to insufficient funds. 

Debt collection agency Columbia Debt Recovery is seeking payment of {$500.00} on behalf of their client Genesis and/or XXXX XXXX XXXX XXXX XXXX 

I have never lived in or attempted to live in the state of Florida. Whoever filled out this application most certainly was not me. I have asked for supporting information from Columbia Debt Recovery outlining what they believe I owe and have not yet received this information. 

This agency has threatened to post this as an unpaid collection debt to my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$980.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$250.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$760.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$980.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00}