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

I am banking with Wells Fargo since 2007. I have XXXX businesses as well and all of them are with Wells Fargo. My spouse also have an account with Wells Fargo. 

In total we have XXXX account with them and XXXX of them have my XXXX attached to them. 

I tried to call them today ( XXXX ) to upgrade my account to Premium account as I have considerable deposits with them. 

I was told my account could not be verified as my SSN was incorrect on file. They have mixed my spouse SSN and replace that with mine. NOT sure when it was done as the SSN verification is in person and we have to prove my SSN by presenting the physical card. 

SO it is definitely an issue with their internal IT systems that overwrote my SSN. 

Not because of this I can not make any change to the bank accounts. I asked for a appointment to meet the banker to close this issue as soon as possible. But they dont have anything until for a month and I have to deal with this issue. THIS is not acceptable as its a problem created by them and I believe this is bigger than my problem alone and they are mixing SSN numbers of people. 

I have over XXXX USD worth credit cards with WF across perosnal and business and they are putting the responsibility on my wife if I dont pay.. this is against law and they are not taking care and resolving it quickly. Their solution is to use the mail and resolve it which will take more than 15 20 days and multiple follow ups.
Product: Checking or savings account

Im a small business customer with Bank of America. Someone stole my identity and deducted {$10000.00}XXXX XXXX XXXXand {$20000.00} from a XXXX XXXX California Bank of America branch and XXXX California branch. The withdrawal slips have a forged signature thats looks nothing like mine with no phone number. I live in XXXX florida. I have tried calling the bank and going to a branch to get back my money. They told me nothing they can do, the fraud department takes 90 days to process while I am broke with nothing. It left me at a negative balance and once I got my direct deposit from work to the account, the bank used that to cover the negative balance. Any logical human being can see this is fraud and credit my account and call the authorities to look at the Surveillance tapes and interview the teller. Please help me. If this is the protection you get from the one of the largest banks in the world we are in major trouble!
Product: Debt collection

I hired the service of my wife XXXX, XXXX XXXX. My attorney contacted AFNI twice and have yet received a response. This is what my attorney requested from AFNI : Agreement with your client, that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the al leged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. ; XXXX and address of alleged creditor. 

Name on flie of alleged debtor. Alleged account number. 

Address on file for alleged debtor : Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt Mas assigned or sold to collector. 

Complete. accounting of alleged debt ; I am attaching documentation that show proof that AFNI have received documentation from my attorney. 

AFNI is also not authorized to collect debt in the state of NH per this article ( also attached ) : XXXX If you follow the following link and enter AFNI, you will clearly see that AFNI is not authorized to collect debt in NH and are try to collect illegally. 

XXXX Before I sue I am giving AFNI the chance to do the right thing. I will not go away until this matter is resolved.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX  I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to XXXX XXXX XXXX. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.
Product: Student loan

Put in a deferment and they say never got it. Have done it three times now and still say nothing but you owe and need to pay. Also was XXXX that 's why I could not Finnish out the semester. But still got charged for the whole thing. No one will help
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 the 3 credit bureaus 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # : XXXX ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcydischarged Reference # : XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Mortgage

Spoke again to Carrington Mortgage Services today. I have listed CFPB as third party authorization on my account. They confirmed it. 
My account was in forberance, then I applied for Homeowner Assistance Fund thru Carrington and they did not put my account on hold during the process. They reported me late to all credit bureaus. My account still reported currently late after they recieved all payments and I already made XXXX and XXXX current payments. Please help.
Product: Checking or savings account

On XX/XX/XXXX I attempted to withdraw XXXX $ from an ATM from the US bank branch on XXXX and XXXX in XXXX XXXX, South Dakota, and I was only dispensed XXXX XXXX Immediately, I logged into my mobile banking app and saw the transaction was processed as a XXXX $ withdrawal and I proceeded to call the national US bank number and file a dispute. About 2 weeks later, I received the attached letter via mail notifying me that the ATM investigation was completed and no error was found. I went to the same bank branch to inquire about the steps they took in the investigation process, such as how they counted the money in the ATM and who the team that did the investigation was, and I was told that my dispute had actually not been settled yet. I called the national US bank number again and tried to escalate my dispute or refile, and I was assured that they would get it sorted out. After probably upwards of eight more phone calls, I was told again today that the dispute was still pending ( over two months later ). The banker stated that the ATM money balance should have been counted long ago, however, so I am quite apprehensive that US bank is taking this claim seriously. In fact, due to the lack of correspondence other than the apparent error mail letter, I am beginning to wonder if the strategy of this investigative group is to just carry out the process as slow as possible in hopes that the complainant forgets about the issue or decides the hassle is no longer worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

On XX/XX/2020, I XXXX XXXX called XXXX department stores to settle a charged off debt with XXXX. I spoke to an employee that worked with XXXX named XXXX and tried to settle the debt, but XXXX told me that the account was no longer with XXXX and gave me the phone number to Radius Global Solutions at : XXXX. I called Radius Global solutions and spoke with a collections agent there. I explained to her that I had spoken to an agent ( XXXX ) that worked at XXXX I was referred to their agency to settle a charged off account. The agent at radius Global Solutions collected some identifiable information from me and located my account. We made a verbal and recorded agreement to settle the account for 2 payments @ {$780.00} which the first payment was agreed to be debited on XX/XX/2020, and the final payment would be debited on XX/XX/2020. The first payment of {$780.00} was debited from my checking account as agreed. After Radius Global Solutions collected the first payment, i received a letter from XXXX, stating that I owed them an additional {$1800.00} for the same account that Radius had settled with me. Then on XX/XX/XXXX the final payment of {$780.00} had not been debited. I waited a few days and called radius to remind them to collect the final payment and the agent told me that XXXX had taken the account back. and i needed to call them. When i called XXXX, the agent denied the statement that was given by Radius Global Solutions. Then she tried to direct me to another collection agency called XXXX XXXX. I stated that i had already agreed to a settlement with the Radius Global Solutions LLC, whom XXXX sent me to in the beginning and they broke the agreement they made. I will not make any further agreements with another company. I feel that Radius Global Solutions, XXXX and XXXX are running fraudulent scams and i want them to remove this from my credit report.
Product: Debt collection

Pendrick Capital Partners, LLC has attempted to collect a debt from me using multiple debt collection companies. The first attempt was by Affiliate Asset Solutions , LLC in XXXX of XXXX. A timely request for validation of debt was made on XX/XX/XXXX to Affiliate Asset Solutions, and no response was sent. I believed the issue to be resolved. 

However, Pendrick Capital Partners used a second collection agency to attempt to collect this debt again in XX/XX/XXXX. This agency is XXXX XXXX XXXX. A request to validate this debt has been sent on XX/XX/XXXX. The only explanation I can think of for Pendrick Capital Partners to use a different collection agency is to get around the requirement to not contact me without validating the debt first. At this point, I feel that I am being harassed in an attempt to collect a debt that is not mine. 

I attempted to call Pendrick Capital Partners to send them a letter, but they insist that all communication about the debt go through their debt collection agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to the inadequate, customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 the error resolution requirements under the Electronic Fund Transfer Act 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

On XX/XX/2017 I went to BB & T bank to open a new checking account. I asked numerous times throughout the process while opening an account they did a HARD credit inquiry. I was told over and over that they do not perform a HARD inquiry and to stay rest assured if one did show up I could come back and have it removed. 

I ended up opening the checking account. A month later, I checked my credit report and sure enough on XXXX it says HARD INQUIRY " Bb & t Inquiry from XX/XX/2017 ''. 

I went back to the Manager of this bank and he said it should not have happened and they would investigate and someone would call me back. I did receive a phone call back from one of their departments and they told me there is nothing I can do about it. 

I never signed anything for them to do a hard inquiry and was lied to. This is a deceptive business practice. I would have never opened an account with BB & T if I knew there was a hard inquiry. They knew this as i made it very clear by asking multiple times if I would get a hard hit on my credit report. And I was lied to. 

I want this unauthorized inquiry removed from my credit report. 

I also would like to see BB & T issue a training memo to anyone employee that can open a checking account that requires them to inform customers that a hard credit inquiry will happen if this type of account is opened. And a disclosure form should be given to the customer explaining what this means. 

My ultimate goal is for BB & T to admit they were wrong and I was lied to. Take responsibility and remove my hard credit inquiry from my Credit reports.
Product: Bank account or service

To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ
Product: Payday loan, title loan, or personal loan

This is what I wrote on " XXXX '' onXX/XX/XXXX : What a SCAM! You never speak to anyone who speaks CLEAR ENGLISH ( and this is just for " starters '' )! 

TWICE this week I applied ; only to find out that BOTH applications were " declined, closed or withdrawn ''. WHY?! I only applied for {$300.00} for XXXX XXXX XXXX! We really needed this money, too! Oh, well! This must be a sign from Above. 

Just this morning, I was asked to call AGAIN to verify MORE information. This time, it was my BANKING information. We had to make a three-way call to our financial institution. I thought, " Ok. They're just verifying the account numbers and such. '' WRONG! The XXXX woman had the gall ; WITH a credit union representative at the other end, to ask for our CURRENT BALANCE! Excuse me?! That is NO ONE 'S business ... PERIOD! 

I don't care how badly we needed this money. It's blatantly obvious that " XXXX XXXX '' does NOT have the best interest of its customers/potential customers in mind. 

Moving along ... 

Reason of review : Poor customer service.

Monetary Loss : {$300.00}.

Preferred solution : Let the company propose a solution.

I didn't like : Shady practices, Csrs that do not listen and XXXX people around by being repetitive, Non-english speaking csrs, Csr gross incompetence, Csr questioning current available balance in checking. 

After WRITING THEM DIRECTLY about NEVER communicating with me EVER again, I got another OFFER LETTER IN THE MAIL TODAY (XX/XX/XXXX). The offer letter is datedXX/XX/XXXX, the same date as the first letter.
Product: Debt collection

I am unaware of thes debt, I did not receive the opportunity to dispute this information, if in fact the if the company believes they gave me the proper notification please send me the certified receipt with my signature. Also I would like the method of validation, and all correspondence you took to say i won this debt.
Product: Debt collection

This is my response to the closed CFPB complaint # XXXX. 

A. Account Timeline You stated that this account was active during XXXX. However, I was in XXXX for the entire duration of this period. To substantiate this, I have again attached the following documents : 1. My XXXX record, which shows that I was not in the U.S. from XXXX to XXXX. 
2. Copies of my U.S. visas, indicating the dates when I was and am in the U.S. 
3. The police report confirming that I was not in the U.S. from XXXX to XXXX. 
4. The identity theft report confirming that I was not in the U.S. from XXXX to XXXX. 

B. Linked Address You mentioned that this account is tied to the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. If you review the identity theft report, you will see that this zip code " XXXX '' is explicitly flagged as fraudulent. I have never resided at this address. 

I kindly request that you thoroughly review all the attached documents and resolve this case. I have no connection to this fraudulent account.
Product: Credit card or prepaid card

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX issued a credit for {$2400.00}. Credit never posted to my account and on XXXX XXXX I contacted XXXX XXXX XXXX  requesting help to locate the credit. They referred me back to the merchant. On XXXX the merchant sent me a receipt with an authorization code and the transaction date and time. I sent these to XXXX XXXX vis their secure website and they responded they would look into it. I never heard back from them and XXXX XXXX sold their credit card to US Bank. XXXX from US bank contacted me on XXXX requesting I fax her the documentation that I had. It was faxed on XXXX and confirmed it went OKXXXX XXXX contacted me on XXXX stating she had not received the fax and would like it to close the file as the original transaction was too old to dispute and could not help me about the missing credit. I told her I wasn't disputing the transaction as it was legit and the merchant submitted a credit for the trip cancellation. I would like to know how I can get someone to determine where the credit for {$2400.00}. was posted. I would think that the bank would have someway of going to XXXX XXXX to determine what happened to the transaction as the receipt from the merchant showed it to submitted electronically with an authorization code. It is very frustrating that the electronic banking and XXXX XXXX XXXX can not trace a transaction through their system and apparently could care less as they do not have to handle it like a disputed transaction. Documentation attached
Product: Mortgage

I already have a case pending on two separate payments and now it happened a third time. I am making extra principle reduction payments, in addition to my regular monthly payment with Wells Fargo. The three payments were made at 3 times at 2 different banks with 3 different tellers. Each time, I state to the teller what I am doing, they verify it out loud and hand me back the receipt saying here is your receipt for your principle reduction only. I am sure the tellers are processing them as they were trained. So either they are being trained incorrectly or Wells Fargo has their coding/process set up wrong. These payments are being used as my next monthly payment. I do not want these payments to count as a monthly payment and have interest and escrow and insurance taken out and the due date moved one or two months in the future. But that is what they keep doing. I am paying extra to the principle only to pay this off early and not have to pay all this extra interest. I spoke to a man who worked in the home mortgage department for a very long time and explained it about 5 times to get him to understand. He said he would open a ticket to have this fixed and to call these payments in because the tellers don't know how to do this. I don't believe this. And with all the scams that Wells Fargo has pulled with the public, I am concerned that this may be another one. Intentional or not, it needs to be fixed. If I say I want this applied to my principle, it should go to the principle and me not have to call every month, have tickets opened and contact federal agencies for resolution. I do not understand how they are " still working on it '' for a month. What in the world is going on????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have previously disputed accounts on my consumer reports. The CRA 's XXXX, Transunion and XXXX have failed to properly investigate the accounts. They continue to violate the consumer laws and report inaccurate information. I have disputed with the following consumer laws and sent all correspondence by certified mail. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.