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

Wells Fargo refused to allow me to withdraw from my account and did not follow Wells Fargo protocols and showed discrimination. I have been a customer when Wachovia changed to Wells Fargo bank. I was disrespected by the XXXX XXXX and her branch manager located at XXXX new XXXX XXXX XXXX has XXXX. 
Upon going to withdraw I presented my ID for XXXX withdrawal from my account. The teller called over XXXX who was very rude. He was on the second security question to access my account and she rudely interrupted the teller never completed the XXXX security questions which failed protocol. Me XXXX then asked if there was a RECENT name change and the answer was no because the name on the Drivers license was the same name that was on all of the statements that come monthly for all accounts and is also the same name that was transferred over from Wachovia to Wells Fargo so there was no recent name changed as they have been wells Fargo for many many years. The banks management continued to refuse the withdrawal. The bank also failed to ask for another piece of identification such as another credit card from another merchant. They only asked for a Wells Fargo card which was not available if they looked they would see that the debit card is never used. I also pulled up online so they could see that it was me. I then asked if they could send a text verification to my phone they denied this as well. Leaving disappointed and discriminated against, drove home got the wellsfargo credit card matching the drivers license and the the name that was on all wellsfargo accounts and bank statements and was still refused a withdrawal from my own account then spoke to the branch manager which tried to change the words that were spoke by me XXXX and that really upset me. Im not illiterate and know exactly what he was doing. I presented both the drivers license and wellsfargo credit card to the branch manager he also refused to allow my withdrawal after the two trips to that same bank he too also denied sending a text to my phone to verify my identity and was extremely rude in and trying to change my statements I am not illiterate and do not appreciate the mistreatment they acted as though I was stealing my own money even though I verified myself in several ways. This occurred on XXXX. Please investigate this discrimination of this bank. 
Also, there is plenty in the accounts there was no reason to withhold my money from me.
Product: Debt collection

I am in the process of refinancing my home in order to clear the 2nd lien on my property. I requested a payoff via the website, which REQUIRES you to acknowledge that you are a customer. I choose not to make payments to Real Time Resolutions because they are a collection agency and did not provide a service to me. They provide a service to XXXX XXXX XXXX aka Bank of NY Mellon. I put a disclaimer in the verbiage advising that I do not agree that I am a customer and would only allow them to reply to the email to provide the requested payoff information. I did not ever receive a reply with payoff information as they said in the response to my previous complaint. I did receive a payoff from the potential lender which includes XXXX XXXX in default interest which I am disputing based on information received XXXX XXXX discharge ( copies attached ). I am requesting an adjustment to the payoff. I am officially offering a settlement in the amount of approximately XXXX, less or XXXX if it discovered after research and validation that I owe less than XXXX or XXXX. Real Time Resolutions is attempting to collect an exorbitant amount that is actually not owed according to the attached documents and the verbiage disclosed herein said document.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under fair credit reporting Act ( FCRA ) to conduct a reasonable investigation of dispute information on credit report, leaving inaccurate or unverified accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes this failure aligns with with my experience where experian has neither corrected nor removed dispute items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate correction action to remove or amend dispute accounts as experian inaction violates federal law of my rights as a consumer
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX VA XXXX **Subject : ** Cease and Desist Request Under 15 U.S.C. 1692c ( c ) Dear Portfolio Recovery Associates This letter serves as a formal request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you immediately cease and desist from any and all further communication with me regarding the alleged debt referenced in your prior correspondence. 

Please be advised that I am fully aware of my rights under the FDCPA. Under 15 U.S.C. 1692c ( c ), upon receipt of this written request, you are legally prohibited from contacting me except to confirm your compliance with this request or to notify me of specific legal actions you may pursue. 

I demand that you immediately stop all forms of communication with me, including but not limited to : - Phone calls- Letters - Emails - Text messages- Any other form of contact Failure to comply with this request will constitute a violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's office. I also reserve the right to pursue any and all legal remedies available to me. 

This letter does not serve as an acknowledgment of any debt, nor does it serve as a waiver of my rights under the FDCPA or any other applicable federal or state law. 

Please confirm in writing that you have received this notice and that all further communications have been terminated. 

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial is stating the debt was acquired from XXXX XXXXXXXX XXXX for portion not covered by insurance. This debt was originally sold to XXXX XXXX XXXX. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When XXXX attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXXXXXX XXXX Account was used to rectify the debt. Then a bill from Phoenix Financial was received. Upon contact Phoenix, I was advised that " XXXX was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact XXXX ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from Phoenix to valid the amount on behalf of their client XXXX. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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: Student loan

For years me and my parents have been battling with XXXX XXXX. Sine I graduated college XX/XX/2010 its been a downhill mess. From coming out of college into a mess of a economy ( took me years to get a job in my field and make decent money ) to crippling credit scores that damages my future to own a house, car, starting a family, etc. When I graduated I could not afford the payments for all of my loans every month. Multiple phones calls to help and barely ever got answers or just taken advantage of because I did n't understand. Help was forbearance, which ended in still not being able to afford payment when over, and a whole bunch on interest added to my loan that I already could n't afford. XXXX loans went into default and passed around to collection agency 's before they garnished my fathers wages. Now those loans are in " charge off '' but Navient still reports every month to credit bureaus that they are past due and late payments. Then on another loan its nearly double the amount that was originally borrowed and interest rate sky rocketed. My monthly payment on that loan only pays interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Gentleman, Wells Fargo filed a Wrongful Foreclosure action against me on XX/XX/XXXX. I am attaching the Pooling and Servicing Agreement where it makes it abundantly clear on page XXXX of the prospectus that the Trustee ( Wells Fargo ) " MAY NOT '' be able to enforce the mortgage note against the related borrower. 

I am also attaching the Appellate Court Ruling finding Wells Fargo failed in establishing that it is a proper party to enforce the promissory note at issue. 

Wells Fargo had no legal right or authority to pursue this wrongful foreclosure action against me and I am asking the CFPB hold Wells Fargo responsible for filing this wrongful foreclosure action against me as evidenced in the attached pooling and servicing agreement in which it must adhere to. 

I am asking the CFPB hold Wells Fargo responsible for this wrongful foreclosure action and to include me in the XX/XX/XXXX consent judgement for wrongfully pursuing a foreclosure action against me since XX/XX/XXXX. The Pooling and Servicing Agreement is evidenciary evidence substantiating that Wells Fargo is unquestionably responsible for pursuing this wrongful foreclosure action against me. 

I appreciate your assistance in this matter. 

Respectively, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX XXXX # XXXX, has been disputed several times with XXXX, XXXX and experian and is old information and still remains on my credit report with all three credit bureaus. this account has been closed for over 7 years and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX - $ XXXX XXXX  - XXXX - XXXX - $ XXXX XXXX  - XXXX - XXXX - $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX - $ XXXX XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - $ XXXX Fraudulent Inquiries 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
Product: Money transfer, virtual currency, or money service

I received information that I am no longer capable to use their venue / business. I would like to know the reason why. Also, a resolution to this issue to continue to use their service. 

Thank you
Product: Debt collection

CMRE Financial Services at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as pasted due balance. I Do NOT know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
Product: Debt collection

I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/2018 this account has been removed from my XXXX credit report as unverified but it still remains on my Experian report. After another dispute this account Still Remains I tried to explain to the representative at Experian that this account does not belong there and it has been removed from XXXX. The representative advise me to dispute it again which I already did twice to no avail.
Product: Checking or savings account

I had some funds for the amount of XXXX for property damage to be direct deposited into my citizens bank account, from XXXX XXXX, the Adjuster made the payment on XX/XX/2022 also sent email for confirmation that morning around XXXX. I saw the email then checked my account online banking seen the funds posted and the money I owed the bank recovered which was for XXXX dollars, which brought my balance down to XXXX. I ALSO call the bank that evening to verify my funds, because it was strange that I couldn't use my debit card, thats the same way the XXXX from XXXX XXXX use to make the payment by that method, so I had to go to the bank in the morning. XXXX o clock the next morning XX/XX/2022 all my funds gone with A reoccurring fee of XXXX dollar charge off account. How's that when it was paid positive account with A balance of XXXX and repsentive verified that the day before. I go to the branch they don't see any transactions don't file any disputes call by phone samething transfer all over and don't handle nothing just ask me for the XXXX. Strange that citizen won't reach out to the Adjuster. But the Adjuster is willing to submit what ever he need. No payment ever sent back to the sender yet it 3 weeks later. Citizens still haven't done anything. Acting like I stole my own money somebody from their department committed an fraudulent act.
Product: Checking or savings account

On XX/XX/XXXX, my account was locked, they reason Chase gave me is that they recognize some unknown XXXX payments. I explained to them that it was just me selling some second handed stuff to save some money, and I could provide demonstration for that, but Chase didn't accept this and said they need some time to verify the money. However, until now, on XX/XX/XXXX, which has passed more than 7 months, I only get XXXX dollars back on XX/XX/XXXX, there's still remaining more than XXXX dollars deposit in the account. I am just an XXXX XXXX XXXX XXXX in the States alone. The XXXX dollars were sent from my parents for the living costs for the whole year. After this thing happened, I even borrowed money from my friends to make sure my basic living cost because I was afraid to let my parents know. I thought the money would come back in a few months, but until now, I didn't get those money back. I didn't come to the States for a long time, I really didn't know where I can find help. Thanks to you guys make me feeling less helpless. I really need your help.
Product: Credit card

On XX/XX/year> I wrote the below letter to Citi Bank to investigate and return a {$4400.00} payment I made in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Citi Bank Payment Investigations Team XXXX XXXX XXXX XXXX XXXX SD, XXXX Subject : Request for Investigation of Erroneous Payment Dear Payment Investigations Team, I hope this message finds you well. I am writing to formally request an investigation regarding an erroneous payment I made to a closed credit card account. Below are the details necessary for your review : Account Holder Name : XXXX XXXX XXXX Citi Bank Account Number : XXXX XXXX XXXX XXXX Closed Credit Card Number ( last four digits ) : XXXX Payment Amount : {$4400.00} Posted Date of Payment : XX/XX/year> Reason for Closure : This credit card was an old XXXX XXXX XXXX XXXXor the XXXX XXXX, which I no longer use as I am no longer employed there. 
My funds came from a XXXXXXXX XXXX  checking account number ending in XXXX Given the circumstances, I kindly request a full refund of the {$4400.00}. I can be reached at my phone number or email provided above for any further information or clarification needed during your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX I spoke with Citi bank representative on XXXX XXXX and was unable to reach a resolution and was offered the above contact by fax number for resolution. I have not received a notification of receipt of any kind for the above fax and I am using this avenue to guarantee receipt to the company and hopefully resolution.
Product: Student loan

The private student loans are being handled by UAS, https : //www.uasconnect.com/. On XXXX I authorized a payment of {$33000.00} to pay off a student loan. That amount was debited twice from my bank account, leaving me with practically no money left in my account. I discovered the issue of XXXX, attempted to contact UAS but they have no phone or email support on weekends. I sent multiple emails hoping for a response but did not receive one on Monday XXXX. On Monday XXXX I spoke to UAS representative who indicated UAS had record of only a single withdrawal of {$33000.00}. I contacted my financial institution, XXXX XXXX XXXX XXXX who verified that 2 unique transactions of {$33000.00} had been issued to UAS. XXXX provided documented evidence which I then forwarded to the designated UAS contact, XXXX, XXXX XXXX. That representative forwarded the information within UAS. On XXXX I received an email from XXXX XXXX of UAS apologizing and telling me that a refund of {$33000.00} was requested to be refunded to my bank account. It is now XXXX and my money has not been returned to me. I am very few funds left to conduct necessary financial business such as paying bills, purchasing food, etc. The lack of response and accountability here is criminal.
Product: Credit reporting or other personal consumer reports

Equifax removed XXXX credit cards accounts with XXXX XXXX XXXX XXXX  and XXXX Bank saying l filed for identity theft which isnt true. I disputed the balance only with them. Never Identity Theft. Also they sent something to XXXX XXXX Stating Identity Theft which isnt true. 

I reported identity theft for the XXXX close accounts with XXXX XXXX and XXXX 

I have XXXX accounts with XXXX XXXX XXXX card account # XXXX ( Card XXXX ) and # XXXX ( Card XXXX XXXX XXXX XXXX XXXX  opened XX/XX/ account # XXXX opened XX/XX/2014 XXXX XXXXCar loan These XXXX accounts are valid accounts
Product: Bank account or service

I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money.
Product: Credit reporting

original case # XXXX was resolved except for the credit reporting. because I was considered for the trial payment plan, bofa considered this to be a credit problem and entered a seriously delinquent report to the bureaus. I have never been late and always paid on time I need this rectified. it is damaging my ability to borrow money or get a loan. thank you PS thank you for assisting me in getting the modification approved through Bank of America. That was n't going to happen either without your help.