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

I am a resident of Massachusetts. I just finished working for XXXX  which has a portion of it's HQ in XXXX, MA. Their HSA provider was Optum Financial, Headquartered in Minnesota. 

This has been the worst experience that I can possibly imagine with a bank. I have given them my money to be a custodian on this account. I understand some things take time and that there will be delays, but from the time I decided to cancel my account to today has been >90 days and I STILL do not have a check. Of what is supposedly my money ... .... 

I can't quantify the frustration, the amount of phone calls, the amount of run around I've gotten. All I want is a dang check for my money that I worked hard to save for after every paycheck. They have been very prompt in taking my money out for maintenance fees, but trying to get my money and closing my account? Every action takes 2 weeks, and every action requires more information, and on and on. 

If your job is to help protect consumers from something like this please take whatever action you can to warn companies against doing business with a company like this in the future. I've written them, I've been on phone calls with them, each time I am assured of corrective actions, and yet still nothing. I think I'll eventually get my money, but if I can prevent them from doing this to another person that is what I'd like. 

In XX/XX/year> I began the close out process by submitting a claim to the company. I didn't escalate for a while because things take time, I get it. 

In Late XX/XX/year> I finally tried to get some escalation to get MY MONEY back from the bank. I was told the process could take up to 30 days. 

On XX/XX/XXXX I was connected with someone who ensured me that he would personally be involved in closing the account and getting me my money. 

IT IS XX/XX/XXXX. No Money. They sure have been prompt in still taking out their $ 3 monthly service fees. NO 30 DAY TRANSACTION TIME FOR THAT I SEE. What a joke, I'm sorry it's just beyond frustrating. You're a custodian of my money, XXXX XXXX  XXXX takes like 1 day to service my IRA if that. OPTUM FINANCIAL IS A HORRIBLE BUSINESS. I STRONGLY RECOMMEND LOOKING ELSEWHERE FOR AN HSA CUSTODIAN OR A BANK TO DO BUSINESS WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I got a response from the credit bureaus and got a response saying I was a third party and that they want continue the dispute they are stalling! I'm upset because im sending the letters! I'm going to list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : XXXX
Product: Student loan

To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. 

The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. 

I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my XXXX  profile, but the same account is still being report erroneously on Transunion
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle in mid XXXX using USAA as my bank of choice which Ive used for auto loans since XXXX. The transaction went smoothly even though interest rates were beginning to reach their highest since XXXX. At the end of XXXX of XXXX I decided I wanted to refinance, but in the midst of that ended up purchasing a house with my partner and putting that idea on the back burner. A month or so ago, I attempted to refinance finally because my payments are incredibly high and rates are significantly lower now. I spoke to a kind gentleman on the phone, he explained the process and after an hour, I was approved with a new rate that would lower my payments almost {$400.00}. I was ecstatic. He began to submit the paper work over to me to sign and ran into a hiccup and put me on hold. Turns out the loan to value on the car wasnt within their threshold. Well how could that be when I took out a loan with them on the car to begin with? After some back and forth and him connecting with his higher ups, he came back and basically said I needed to put down a large sum of money- that I dont have- in order to get the refinance approved. It was disappointing on a variety of points, especially because they ran my credit and had gotten to 99 % completion.
Product: Checking or savings account

Dear CFPB Management : XXXX XXXX wiht the Wells Fargo management team provided no reasonable explanation and credit me {$130.00}. So Wells Fargo are on the right track but short {$3100.00} in credits due. 

I have a wells Fargo account and they freeze my account over the course of the last year despite me written complaints. Letter dated XXXX XX/XX/2022. They simply ignore all my written verbal complaints Wells Fargo Security Manager Re : WF security Dening transactions from approved vendors My letter : Dear Wells Fargo Security Managers : Thank you for the overreaching security it needs to modify a tad to fit this large depositor/client 's needs. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX See the Wells Fargo e-mails used in this letter. I would appreciate Wells Fargo management team looking at my account. I have never had manager look at my account or call or get on the phone in 6 months ' time. I endured many unnecessary account blocks and strandings in foreign countries. The last WF unwarranted block and stranding was with XXXX XXXX based in the XXXX left me stranded in XXXX. Im sorry, but if we can not get this overreaching security matter sorted out, I guess Ill have to move on. I also have {$3100.00} credits due that have not been issued in fraudulent bank card transactions. 

On XXXX XX/XX/2022, I waited on hold for 45 minutes, then spoke to a new Rep and then XXXX, a 4-year Wells Fargo security manager, and he insisted that the XXXX XXXX  manager had a bad security code. Well, that was not true as the Wells Fargo e-mail clearly shows a lock generated by the Wells Fargo security manager. and there was no reason to block that transaction. This is the third time Security blocked a lawful and client-initiated and approved transaction not using my current XXXX phone OR using E-mail XXXX not text for security check. When I ran an IT security desk all the verifications were in place. What is happening, I Wells Fargo security splash appears on these online transactions and requires a text to an old phone number ( XXXX XXXX XXXX XXXX Change to e-mail. Approved vendors : XXXX XXXX ferry line operating XXXX XXXX, XXXX, XXXX XXXX XXXX operating in XXXX. Im still frozen out XXXX XXXX. I hope we can get the credits and reasonable security set up in place because the WF savings account interest rate is woefully low ; I must consider better options of 3 % at other lending institutions. I have close to {$100000.00} in savings, {$6000.00} checking and {$2500.00} brokerage and Im tired of being treated like a quite unimportant client/potential employee. I wish to deal with a TRUE manager and have a phone number direct to his/her desk. I do not feel like an important client at all for over 6 months I have put up with these oversights. 

Your attention to this matter is appreciated Appreciatively yours, XXXX XXXX XXXX, XXXX. 
Wells Fargo management froze transfers to my brokerage accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has listed fraud item on my credit file and I need to have that removed as soon as possible. This wrong item ( listed below ) is affecting my credit score and livelihood. Please delete this account immediately. ONLY Equifax has reported this fraud account on my credit history. I been sending dispute letter to Equifax and Equifax has been refused to investigate fraud account by sending ONLY ONE TIME LETTER like account was verified. Its completely destroyed my credit report. They have no proof of fraud account, they can't verify but still reporting. 
Here are the account Equifax has listed : XXXX XXXX XXXXXXXX XXXX Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to this account and/or transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get into my Equifax account. I have spent the 15 minute process verifying with automation as well as with a representative who barely speaks English. Once that was completed Equifax sent a text stating I had to upload my drivers license. But by uploading, I agree that Equifax can use any piece of information of myself for their own dispose for up to 13 months. The only other option was to mail a copy of my drivers license as well as social security card. Not doing either. Please assist.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and XXXX-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit card

I asked the company BMO to close my credit card account, which has a XXXX balance, and they will not do it. 

Per a related CFPB complaint, CFPB # XXXX XXXX, they closed this account in mid-XXXX  ( see attached response from company per complaint ). 

However, I recently got another statement from them with a closing date of XX/XX/year>, so they did not actually close my account ( see attached statement from BMO ). 

Thanks in advance for your assistance with this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 XXXX XXXX started showing as past due on XXXX and Equifax. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called XXXX XXXX who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, XXXX XXXX stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called XXXX XXXX again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on credit report. I have reported these to FYC for identity theft
Product: Checking or savings account

Here in XXXX North Carolina, I was victimized XXXX XXXX of privacy act and was sergated and frauded have police report and super clerk of court nortarized statement facts of financal reimbursement of unemployment for the years of XXXX and the check and savings account with the 2 different accounts
Product: Credit card or prepaid card

I received a call from my Sam 's Club credit card provider on X/X/17 about verifying potential fraudulent charges. I logged into my account and noticed that there were indeed fraudulent charges taking place in another state ( Florida ... I live XXXX XXXX XXXX, Missouri ), dating back to mid-XXXX. I called the number on the recording to ask why I had not been notified sooner and to log the charges as fraudulent ( there were approximately 40 transactions totaling around {$1000.00} ). The representative informed they would send out a packet to let me verify that all the charges were accurately recorded and certify that they were fraudulent, then investigate, and if they found out they were fraudulent, my account would be credited. Today ( XXXX/XXXX/XXXX ), I reached back out to the fraud department to let them know that I had not received a packet, and they informed me that the investigation was closed and that they would credit my account in the amount of {$270.00}. I asked how they arrived at that number and expressed my dismay that I had not gotten a chance to verify that all the fraudulent charges had been properly recorded. They told me my only option was to re-file the fraudulent charges ( even though they took away my access to the old statements and charges ) and that the investigator would be encouraged to reach out to me. My cardmember agreement states that I am not responsible for fraudulent charges, and the way this was resolved, I am being held responsible. I will re-file the fraudulent charges, but would like some help and guidance on how to resolve this matter.
Product: Mortgage

Specialized Loan Servicing Payoff Statement Issued XXXX, shows a line for Deferred Interest of {$12000.00}. The most current loan from an XXXX XXXX Loan Modification, does not show Deferred Interest of {$12000.00}. The payoff statement is incorrect. SLS needs to revise the payoff statement to appropriately reflect the Loan Modification Agreement dated XXXX XXXX and Received by SLS on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a member of Penfed ( Pentagon Federal Credit Union ). On XX/XX/2021 I applied for their XXXX credit card online but was denied. Instead I received a counter offer of their Cash Rewards credit card. I never accepted that, didn't sign any paper physically or digitally, never made a response to the counter offer. Today XX/XX/XXXX I received the Cash Rewards card in my mail ready to be activated. I called PenFed at around XXXX CST about this and told them I never wanted the Cash Rewards card and never accepted it, and asked them to not have it be reported to my credit reports. The Representative, XXXX told me there's nothing they can do on their end to fulfill my request. Therefore I'm filing this complaint against PenFed for opening a credit card for me without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX County for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say XXXX. And I said XXXX what? And they say XXXX XXXX. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.
Product: Credit card or prepaid card

This is regarding my Bank of America Alaska Airlines Business card, acquired on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. I was never in default, never extended my credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account, or provide a detailed justification for the closure Also provide a refund of the annual fees given that services paid for are not provided, leading to deceptive and unfair practice.
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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is changing past due balance and date of last payment on credit report in an attempt to re-age an account that was about to fall off due to the age of the account, now it will not be removed when it was supposed to. I attempted to dispute the erroneous charges and dates with no success. Account is supposed to be deleted from credit report once caught re-aging accounts according the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

Total debt was originally owed to XXXX. I had paid off the amount from the credit collections services they removed the account from my XXXX credit report however the refuse to remove the account on XXXX  report. Stating that their is a balanced owed when it has been paid off.
Product: Checking or savings account

I found on my XX/XX/XXXX transactions a XXXX wells fargo withdrawal. Used a non wells fargo atm and withdrew XXXX and accepted the XXXX fee for a total of XXXX. I don't ever remember getting charged by own bank for using a non wells fargo atm in the past. I got dinged XXXX XXXX for XXXX transaction. I called Wells Fargo on XX/XX/XXXX thinking it was a mistake. The Wells Fargo customer service representative said that was the Wells Fargo fee. I said ok and hung up.