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

I have four savings accounts at Wells Fargo, one for each of my children. My mother, XXXX XXXX XXXX, is a signer on each account and also an employee at Wells Fargo. After learning that my parents have stolen money from multiple family members and organizations I decided to close my childrens accounts and move them to the credit union I am a part of. While at the Wells Fargo branch ( on XX/XX/2018 ) I was informed that my mother withdrew all of the money from each account, leaving only {$100.00} in each ( total withdrawn was just over {$3800.00} ). She had also opened new accounts for each of my children with only her name and their names on them. I inquired how she would be able to open an account for a minor that she isnt the guardian of and was told that all she needs in their SSN. The only way she ever could have access to any of my childrens SSNs would be through her employee access at Wells Fargo. I have made a complaint with them and they are investigating but it has been almost two weeks and I am completely brushed off and dismissed when I call to ask about an update. 
I do not care about the money, some of it was even put in those accounts by my parents as XXXX/birthday presents, what I care about is cutting all financial ties between myself/my children and my parents. 
Wells Fargo will not allow me to close the accounts she has opened without my name. When I contacted my mother she told me not only would she be leaving those accounts open, but she will also be distributing my childrens SSNs to other financial advisors and institutions to open new accounts.
Product: Credit card

Do not assign this case to XXXX XXXX Case XXXX was closed without resolution. I am explicitly asking you for the EXACT AMOUNT of money that I need to pay to avoid interest charges this month, taking into consideration payments already applied for this month. I am NOT asking for my current balance, statement balance, or any balance other than my REMAINING STATEMENT Balance.
Product: Debt collection

On XX/XX/XXXX, I received an email from Caine-Weiner saying that I owe them {$150.00} for a debt that is 'past due ' I tried to let them know that I am not a member of this business and that I do not have any legal rights to this company, they might be contacting the wrong person. I asked for some information about the debt, any kind of media or anything that I can use to verify if this is in fact my responsibility. After this request, another lady, XXXX XXXX replied to me telling me " The Secretary of State website is still showing this business as active and therefore the amount owing is valid '' I told her that I don't think it works like that, she sent me a screen shot of the Secretary of States website as proof that I owe this debt. again.. I dont think that is right. 

XXXX XXXX started to fight with me over email, sending many emails to me. She told me " As a collection agency we do not have to provide you with proof of debt '' Again, I dont think this is right either.

This company has called my phone no less then 10 times yesterday and again today. they will not provide me with any information that I can use to verify that this debt is real and at this point they are harassing me about a debt that they will not confirm.
Product: Checking or savings account

Hello I have unauthorized debits from a vendor I do not do busines with. I have tried to resolve this the vendor and rhe fraud department and it has gotten nowhere. I was told that they have recieved a written notice or contract from the so called vendor but that isnt true do to thr fact that I called the vendor myself and was told nothing was in their systems with my name on it.
Product: Debt collection

My XXXX XXXX was repossessed XXXX XXXX, XXXX. Upon attempting to recover my car from Santander Consumer Financial, I was given no direct answer or explanation except that storage fees, repair costs, and a deductible totaling {$2300.00} had been paid to XXXX. My car was auctioned off XXXX XXXX, XXXX and the balance has been sent to collections. In a great effort to recover my car, I provided Santander with many documents to reverse the repossession. In XXXX, I was told through Santander Collections my car was impounded from XXXX XXXX XXXX because XXXX XXXX alleged that XXXX denied my claim for repair costs. Neither organization followed protocol and my Consumer rights have been denied resulting in surmounted life issues. My credit has been affected and my personal life has faced serious problems without having transportation.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I checked my credit reports and saw that the inaccurate accounts are still there. I have no idea why they're there. Please kindly check the documents I've sent in regards to this matter
Product: Checking or savings account

My complaint is with Trusit Bank. On XX/XX/XXXX I ordered parts from XXXX XXXX for same day delivery. The total was XXXX XXXX Parts were not delivered on the XXXX and were delivered on XXXX instead. I contacted XXXX XXXX to try and get a refund on the fee for same day delivery and instead they provided me with a full refund. Which is the amount of XXXX XXXX They stated that it may take 10 business ' days to post to my account. However, after 10 days I still had not received my money. I contacted XXXX XXXX  again and they stated that the refund had been processed and that it was on my financial institution to release the funds. I then opened a claim with Truist and this was middle of XXXX. Since then I have not received any confirmation about the status of my claim nor have I been given a refund. I have multiple emails and statements from XXXX XXXX detailing I was refunded the XXXX $ but I still have not received my money from Truist. At this pint I need to go above their head because they fail to do anything. Excuse my language but they are a XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

items were reporting as deleted but are still showing on my report.
Product: Checking or savings account

During the pandemic era I made purchases online and the sellers only accepted XXXX. I was led to believe that my transactions would be protected and refunded if my items were not received. One purchase was through my USAA account in which I disputed the charges and submitted a fraud claim they issued a credit as if the money was refunded which once I spent it they claimed my account was overdrawn and closed it. I have had this problem with XXXX XXXX  as well sand this has caused a problem with me being able to open a checking account with any banking institution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

Had applied for an auto loan with Auto lenders who submited the loan application to Wells Fargo whom I have my mortage with and banking. They turned me down for this reason. One or more credit accounts are in forebearance or deferment. That was my mortage back during covid which when I signed it was told it would not have any effect on my ability to borrow money. Its been long over with haven't missed any payments at all. The forbearance is long over with. After I complained they sent me a new reason I ( I have both in writing ) The new reason was incomplete credit application. Not so thwe other banks appoved me with same application. I was then used as a game stating Wells turned you dow so I went with higher then I should have rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

I have been financing a vehicle with Exeter Finance since XXXX. During the years of XXXX I lost my job and fell behind on payments. I asked for payment options and the only option I was given was a deferment. I agreed even though it would extend my loan date because I had no other option. Once I got back on track with my payments I didn't get behind again and I was on track. In XXXX of XXXX I received a letter from Exeter saying that my loan would mature in XXXX of XXXX with a remaining balance of around {$9500.00}. I called and spoke with a rep who gave me my options and told me I had 120 day grace period after loan maturity to get the car traded in, refinanced or surrender. He verified information with a supervisor. Next month I called to make my payment and verified the information again and was guaranteed by a rep those were the same terms as long as I made my monthly payments up to XXXX. Around XXXX I spoke with a rep who then said the grace period stands but what the other reps didn't tell me was that I was at risk of repossession which all of a sudden was talked about. Not to mention after I was on track with my payment they started reporting to the credit bureau that I was late. I told them that I was working on getting it traded in and or refinanced and that it would be done before my grace period ended. Even though I would communicate with a rep they would continue to call me at least 5 times a day ( harassing me ) even though we had talked. My stance hadn't change within the hour but they continued to call. At the end of XXXX I spoke with rep and told them that I had plans to meet at a dealership within the next week seeing as it was around the holidays. On XX/XX/XXXX I went out to start my car and noticed my car was missing. They took it weeks before my grace period was set to end. ( My grace period was 120 days. So it should have went to XX/XX/XXXX ) as quoted by the original rep. I then called this morning XX/XX/XXXX because they were closed over the weekend and the rep tells me there is no grace period and to get my car back that I need to pay the balance in full. I then was transferred to a supervisor who went over all of the calls and notes and agrees that the reps ( at least 5 ) mentioned a grace period and I was given incorrect information but didn't offer any solutions besides me paying the full balance before my car is sold at the auction in a couple days. I have been a great customer for XXXX  years and have done great with my loan and payments and I feel like I was lied to numerous times and then played for loan company to not even stand by the people they trained while handling something so important as a car loan. Im frustrated because I did everything i was supposed to do right and they got it wrong and now i'm left trying to pick up the pieces and figure out how im going to get to work and get my kids back and forth to school because not only did they take my vehicle but now a repossession will appear on my record and make it hard for me to get another.
Product: Credit card or prepaid card

usbankreliacard : Unresponsive to telephone inquiry ( XX/XX/2020 )
Product: Debt collection

I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.
Product: Credit reporting or other personal consumer reports

I was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.
Product: Bank account or service

I signed up for a Citi Gold account online and entered a promotion code where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and paid monthly fees associated with the account. A follow up phone call with a representative confirmed that the previously stated requirements were met. However, when the promised points were not added to my account, I again placed a call where a representative and his superior denied my eligibility for the reason being that I already had a different existing non-fee account opened. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Product: Credit reporting or other personal consumer reports

Accounts have been opened without my knowledge or consent. Creditors have failed to delete items that were disputed and failed to provide procedure and method of investigations and evidence supporting accounts belong to me. Due to Identity theft these accounts should be removed from my credit report immediately. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX {$240.00}
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX man with XXXX XXXX, and my source of income is Social Security XXXX XXXX. A new Personal Care Attendant found my checkbook and forged numerous checks which totaled {$7200.00}, all of my savings. I discovered this with the first bank statement that included the forged checks and immediately visited the Citizens Bank branch in XXXX and saw XXXX XXXX XXXX to report the forged checks. At that time I closed the account and opened a new account. XXXX XXXX told me the amount of the forged checks would be returned to my account. After a few weeks I did not receive the funds, and was then told that I hadn't filed a claim in time and that it was too late for them to return the funds to me. We have appealed this to the Chairman of Citizens Bank as it was their bank that cashed the forged checks, but there has been no response. 

Attached is a letter contesting the denial from my brother-in-law, and copies of the forged checks.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Specifically, a fraudulent account has been opened in my name without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and permanently deleted from my credit report. 
Below are the details of the fraudulent account : Fraudulent Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$9400.00}
Product: Debt collection

ACT contacts my job daily, despite asking them to only contact me via my cellphone. I can not receive calls at work, and calls have to be transferred to me, disrupting others work day, including mine. This was discussed when I've talked to them before. I work in a school and can not receive calls at any part of the day. Their communication is abrasive, fast, confusing, and purposely predatory. When the do call, they are usually talking very fast and quiet in order to confuse whoever is talking to them. I had payments set up with them, and was still unsure what it that I was agreeing to because the nature of the calls are so purposely quick, confusing, and threatening. At that time, I did ask them to not contact me at work, and they call daily despite that. They were given my cell phone number and my work times so that they know when I am able to be contacted. When they contact me on my cell phone, they do not leave messages, so I am unsure whether a number or contact is legitimate or spam. I do not feel comfortable contacted unknown names and numbers when they are quick talking and asking for personal information, and threatening to garnish wages if you don't make a payment, but you have no clue who they are. I have attempted to change my bank information online, and am not able to. I received a call on XX/XX/2021 which was so quiet and unclear that I couldn't hear what they were saying, and the person continued to try and go through their fast talk and threats, even when I asked if I could have a number to call from my cell phone or if he could contact me on my cell phone. I do not feel safe contacting them due to their threatening contact techniques, and will be contacting a lawyer to handle future issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy on XX/XX/2020. Money Lion has been included in the bankruptcy and they were aware 2 days after filing ( even though it is a no asset case ), and this can be proved because they sent in a claim. They have since refused to report the account as included in the bankruptcy and continue to report late payments AFTER the filing date. They also still tried to collect payments AFTER the filing. I sent an email to them and they are beating around the bush, refusing to update the report and stating that they will keep the payment history as is. It should NOT continue to accrue late payments while in an active bankruptcy and definitely shouldn't be reported as open at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone has tried to get unemployment benefits under my name. I found out about this yesterday, on XX/XX/21, and tried to get my free annual credit report from the XXXX website. Experian would not allow me access to my report. I filled out all of my information correctly, and tried multiple times, and I still could not get access. I tried calling multiple numbers for Experian, and could not get in touch with a human being, unless I pressed the number for business account. Even then, they were not helpful. They were located in a foreign country, and had very thick accents that were extremely difficult to understand. I do not feel comfortable giving my sensitive information on the phone, especially to random people in foreign countries. Anyway, they said I could sign up for a plan with them, and I would get access to my credit report that way. I said I don't want to sign up for a plan or membership with them, because in the Term and Conditions, they can use my information for advertising or share it with others. I just want my credit report that I should be allowed to get for free per federal law. The lady transferred me to someone else, but he didn't answer the phone for a long time. I was on the phone for over 40 minutes. Finally, a guy with a thick accent whose name is supposedly XXXX, from disputes, answers the phone only to tell me they are closed now and I can call back tomorrow. They were not closed when I called. They closed while I was on hold for a long time. I called again today with no luck. Some guy told me a supervisor will call me, and no one ever did. At least not yet. I believe they do all they can to make it extremely difficult for people to get access to their credit report so they will either give up or sign up for a plan or membership with them. I don't know how that's legal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received one letter about results of a dispute in XX/XX/2018 and another for a review of my identification information in XX/XX/2018. This is my THIRD written  request for proof. I am getting notarized right now and cerified mailed today. In the results of their so called re-investigation letter, they stated info was verified and that these items belong to me. Yet they can't even get my name correct so how am I to know WHO they verified? They refuse to send my any proof of what they have. I've sent a copy of my Drivers License and my Social Security Card where my actual legal name is CLEARLY spelled out. Not my sister or any other names.