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

On XX/XX/XXXX I was unable to access all of my accounts ( a total of XXXX accounts including Checking, Savings and CD 's ) at Wells Fargo Bank via online banking. My Wells Fargo debit and credit cards were also declined when I tried to use them. I called the XXXX number on the back of both cards and I was told that Wells Fargo had listed me as deceased and had frozen all of my accounts ( Savings, checking, etc. ) and closed my credit card. After many attempts at getting answers, I was told I was listed as dead and needed to go to a Wells Fargo Branch office and fill out a " Proof of Life '' form. My daughter helped me with this and we were able to acquired the form after waiting in the lobby for hours for assistance. Wells Fargo did not have a notary working at their bank and I had to take the form to another financial institution to get the Wells Fargo form notarized stating I was alive. I turned in the form on XX/XX/XXXX. I was told that evening that the form had been turned into the main office. My accounts are supposed to be accessible, however, I have been unable to access them on the online portal. My username does not work, and I am unable to utilize my account information to get into the system to access using forgot my password. My attempts to get help from my local branch have been unsuccessful. All of my transaction accounts were at Wells Fargo and I lost access to all of my funds. I am in the process of opening new accounts elsewhere, but still need assistance at accessing my accounts online and verifying that no other financial harm was done by Wells Fargo 's mistakes. This experience has taken a huge mental toll on myself as well as my family as I am an XXXX XXXX XXXX widow and navigating this has been difficult and has required support from my daughter. Together we have spent days working to resolve this issue with limited success and no support from Wells Fargo.
Product: Checking or savings account

I had a checking account in XXXX where I grew up. I didn't even remember it existed. I now live in Florida. 16 months ago I started getting monthly statements. Every month they take {$3.00}. When I called to close the account and have the funds sent to me, they won't let me. They said if I come in I can close account and get ending balance. Because I live in Florida I need a notarized letter stating that I want the account closed. That's fine. BUT. in order to actually close out the account and have the funds sent I need to go in and make a deposit of at least XXXX XXXX to  reactivate the account so it can then be closed and the check sent.I asked can I mail a money order? A check? Wire transfer from another bank? No. No. And no. Can I send someone else to make a deposit? NO. 
BUT I LIVE IN FLORIDA NOW. They told me next time I'm visiting to stop in. 

This account in over 20 years old and I have no idea how much money in fees they have taken I want TCF bank to close my account, refund the 12 months of " monthly fees '' and send me a check to my address in Florida ( where they send my monthly statement minus their fees )
Product: Debt collection

I just received a statement from afni, a collection agency stating that we owe debt to XXXX in the amount of {$1200.00}. We have not used XXXX in over 10 years and when we terminated our service with them, we were current, owing nothing to them. I believe it is a fraudulent account as we simply do not owe this money.
Product: Checking or savings account

On Tuesday, XX/XX/year> I began the process of closing my Marcus account and transferring it to XXXX. I subsequently lost access to my account. On XX/XX/XXXX, I received a phone call from Marcus stating that the transfer was going to be reversed. I no longer can see or access my account, and the funds have yet to be returned. XXXX has yet to receive the funds, and Marcus claims I no longer have an account. I need to access this money and get it correct. The total amount in question is {$16000.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX HOSPITAL ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Product: Debt collection

Calls almost every day, leaves no message. When I Googled the number, comments indicated Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liabilit
Product: Money transfer, virtual currency, or money service

I used Western Union to send an advance payment of {$1000.00} for a safari to my travel agent in XXXX, XXXX who banks with XXXXXXXX XXXX in XXXX. The money was supposed to have been delivered on XX/XX/2023. But money never reached the travel agent. After the agent did not receive the money a week after expected, I called Western Union and inquired about it. On the first phone call, I was told that the transfer was rejected, and the gentleman transferred me to the operation that deals with refunds, but I was told there that the money was delivered, much to my surprise. From that day I called that operation several times, each time after reaching out to the travel agent and asking them to talk to the bank manager. WU asked me to get the bank statement of the agent ( which is an unethical request, but I made that anyway with a definite rebuff ). The bank kept telling them that the money did not reach the bank. Still suspecting that the bank manager was not diligent, I wrote to him nonetheless, though I had not interacted with the bank ; only Western Union did. The bank manager refused to communicate with me, because I was not their customer ( which makes sense ). Still dissatisfied, I wrote to the CEO of XXXX in XXXX XXXX. I received quick response from the corporate office. I was told that the money never reached the bank. They insisted it was impossible for them to receive money from WU as the bank has no agreement with WU. When I called WU again to tell them what I have gathered, the lady on call rudely told me there was nothing else for WU to do, and the case has been closed. 

At this juncture I have waited long enough. My patience is strained and the money can not be lost without a trace! I wrote the last letter to WU in XXXX providing all the details of denials from the bank. I received a response which merely said I will be hearing back within 24 hours. Just like the previous instances, no more information has been given to me to this date. I am attaching the pdf of my last letter to WU, and the response I received from them.
Product: Mortgage

On XX/XX/XXXX we applied to Wells Fargo for a mortgage for a home. We needed to purchase this home because the Illinois Tollway is taking our home because they are expanding the road. The tollway wants possession XX/XX/XXXX. 

WE NEED TO BUY ANOTHER HOUSE OR WE WILL HAVE NO PLACE TO LIVE AFTER THIS DATE.! 

Our XXXX XXXX is XXXX ( yes, not a typo ), We have no debts, we have no mortgages, we own 3 homes, one is for rental income. We have over {$800000.00} in IRAs and other assets. They tried to claim our income to debt ratio was too high and I told them we can just increase our IRA distributions, then they dropped that excuse. 

Clearly, we are not a credit risk. Wells Fargo refused to provide us with a legitimate reason for denying us a mortgage. 

After XX/XX/XXXX, we will be paid by the Tollway for our house they are taking. So in essence Wells Fargo is denying us a mortgage because they are afraid that we will pay off this mortgage when we get paid from the tollway and they won't make a huge profit. 
However, we won't get paid until XXXX or XXXX. So we need money now to buy a house. Or we will have no place to live. 

My wife XXXX XXXX XXXX and we can not be displaced because Wells Fargo just wants more profit. She could get sick and die. Wells Fargo knows this and they don't care This is not a legitimate reason for denying us a mortgage. This is economic discrimination.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This account has all payments up to date and the company is reporting charge off and my balance is reporting inaccurate too.
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.
Product: Mortgage

I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

-- -- -TransUnion -- -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX -- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- -XXXX  -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Formal Complaint Regarding Harassment and Violations of the Consumer Financial Protection Act ( 15 USC 44 ) and Federal Statutes ( 12 USC 839 ( a ), 12 USC 1431 ) I am writing to formally complain about the conduct of your agency, JeffCappSYS, in its debt collection efforts. This letter is intended to address a series of violations of the Consumer Financial Protection Act ( CFPA ), specifically 15 USC 44, as well as other federal statutes, including 12 USC 839 ( a ) and 12 USC 1431. 

It has come to my attention that your agency, JeffCappSYS, has been consistently engaging in debt collection practices that not only infringe upon my rights but also disregard the principles of fairness and legality outlined in federal statutes. This conduct has caused considerable distress and hardship in my life. 

First and foremost, I have been subject to relentless and unwarranted harassment in violation of the CFPA. The frequency and nature of the communications I have received have far exceeded the legal boundaries set by 15 USC 44. The excessive number of calls, the use of foul language, and a complete disregard for my privacy have caused considerable anguish.

Furthermore, I am deeply concerned about the methods employed by JeffCappSYS in its collection efforts. The absence of documentary evidence and contractual transparency, as required under federal statutes, including 12 USC 839 ( a ) and 12 USC 1431, has raised serious doubts about the legitimacy of the debt in question. 

I request that JeffCappSYS immediately ceases all forms of harassment and misconduct, as required by the CFPA and other federal statutes. I also demand transparency and adherence to the relevant laws in the handling of this debt. 

Failure to address these concerns and rectify these violations will leave me with no choice but to take appropriate legal action to uphold my rights and seek remedies provided by law. This formal complaint serves as a clear indication of my intent to protect my rights and address the misconduct I have endured. 

I expect a prompt response to this complaint, confirming your commitment to rectify the situation and outlining the steps you will take to ensure compliance with the law. Your cooperation in this matter is imperative to resolving this issue amicably. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failu

re to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX - {$550.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurately on my credit report. They are in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Product: Credit card

I returned merchandise to XXXX and sought a credit via my Captial One card. After several months later and providing evidence of the fact, I was rebilled by Capital One for merchandised returned at a 27 % interst rate. I still do n't understand their dispute process to credit your account and later re-bill you with substantial interest. I seek to complain about this particular issue and this practice.
Product: Mortgage

I asked Fay Servicing to close my escrow account several times since XX/XX/XXXX. I have always paid all property taxes on my own as required of me by the " home equity line of credit '' contract I signed in XXXX. 
I paid the XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX taxes. Fay keeps charging me for property taxes they did not pay.
Product: Checking or savings account

I applied for an Associated Bank checking account via a bonus promotion on XXXX/XXXX/XXXX. The promotion terms were as follows : -Open your account with a minimum deposit of {$100.00} from XXXX XXXX, XXXX until XXXX XXXX, XXXX XXXXMake three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening - {$150.00} will be deposited into your account within 75 days of account opening after meeting the qualifications I opened my account with a {$200.00} deposit to meet the first requirement. I then proceeded to make 4 payments using the Associated Bank Online Bill Pay to meet the 2nd requirement. The first 3 bill payments were completed on XXXX/XXXX/XXXX and the fourth bill payment was completed on XXXX/XXXX/XXXX. 

After meeting the requirements on XXXX/XXXX/XXXX, {$150.00} was suppose to be deposited into my account within 75 days of account opening. Since my account was opened on XXXX/XXXX/XXXX, 75 days from that date is XXXX/XXXX/XXXX. During this waiting period, I contacted Associated Bank Customer Service several times to confirm when the bonus would be deposited. All of their representatives told me the same thing each time : that although I met the requirements of the promotion, I should expect the bonus within 75 days. 

As the 75th day was approaching, multiple reps confirmed it is highly unusual for the bonus to not have been paid out by then. When the 75th day came and went, I had not received the bonus. I contacted Associated 's customer service again several times. One representative told me I would receive a call back the next business day regarding it, but that call back did not happen. I then contacted a supervisor, XXXX, on XXXX/XXXX/XXXX who told me that the bonus was scheduled " in the system '' to be deposited either on XXXX or XXXX. As of the evening of XXXX, the bonus was not deposited. 

I contacted another supervisor, XXXX, the evening of XXXX who told me there was nothing he can do and to wait until Monday XXXX for what he hopes would be an update. It is now frustrating that I have been given the runaround multiple times. The bank acknowledges and confirms multiple times that I met the terms and requirements of the promotion a long time ago, but they refuse to follow their own terms of the bonus deposit.
Product: Vehicle loan or lease

I had an existing loan with XXXX XXXX XXXX ( account number : XXXX ) for a XXXX XXXX, which I traded in at the DriveTime location on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. The DriveTime representative assured me that they would send the remaining loan balance to XXXX XXXX XXXX to close out the loan account. I have been in communication with a DriveTime representative named XXXX, who confirmed that the payment was overnighted to XXXX XXXX XXXX, and I am attaching the confirmation PDF, which shows that it was signed for by an individual named XXXX XXXX. 

Despite this, XXXX XXXX XXXX has continued to contact me about missed payments, and I have incurred additional fees due to what seems to be a delay or miscommunication in processing the payment. I have reached out to both XXXX XXXX XXXX and DriveTime multiple times to resolve this issue, but I have not received a clear resolution, and my account remains in limbo. I have reached out through email and did not get a response back to help resolve this issue. 

My credit score has tanked from the mishandling of this check from DriveTime and XXXX XXXX XXXX. It is unfair that these companies have been damaging my credit when I have been making my auto payment on time since I traded in the car. I do not have the XXXX XXXX anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported Identinty theft when I noticed. A lot of things on my credit is not me I filed the proper channels immediately but still Im the one wiped out my bank account credits cards max out and my social security and all my personal info being spread around