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

I have previously submitted a complaint and spoke with numerous Wellsfargo employees trying to close an account that should have been closed a long time ago. I spoke with a WF employee in the complaints department after my last complaint who said I can go into a branch to close the account. I went into a wellsfargo branch on XX/XX/2023 to close the account. After waiting in line for 30 minutes the teller told me they couldn't help me and asked me to put my contact information on a sticky note and someone would call me. I left frustrated and immediately called the customer service department and told them what happened and that I want to close the account. The person was confused as to why the teller said they couldn't help me and said that they would be glad to help me with it. He read me all the closing procedures and I agreed to all of it. He said I would receive closing papers in the mail in three weeks or so. I waited and nothing came in the mail. I came home the other day to a statement in the mail dated XX/XX/2023 that is for the account. I was told this account was closed by the customer service agent on the phone. Judging by the statement it is still not closed and it has been two months since that phone call.
Product: Credit reporting or other personal consumer reports

Viewed consumer reports recently and see that XXXX is reporting illegal late payments on account without consent or permissible purpose
Product: Credit reporting or other personal consumer reports

I won a judgement against a creditor oportun a loan company charging me when I did not owe them I sent the document enter by the courts and they are still furnishing the information without any verifiable information. They are also reporting errors such duplicate accounts with the same accounts numbers, the correct accounts displayed as it should in good standings and the other with a balance reported thats incorrect. Secured credit card accounts with XXXX and XXXX dollar secured limits that are being reported incorrectly with XXXX over XXXX XXXX dollars and the other over a XXXX that offered XXXX liability. A collection account from a duplicate account that isnt mine nor is the collection thats tagged on do to this inaccurate furnishing of information Ive sent proof and they are still furnishing this information incorrectly and its affecting my life in many ways and causing tremendous hardships. My information was compromised in a breach and do to this Im being punished by Experian for it. There not following the Fair Credit Reporting Act by continuing to furnish information that not correct or accurate and are not providing any verification from the creditors what so ever to verify the debt nor are they honoring the fact that Im a victim of identity theft as I disputed the items with identity theft being the cause. Its a travesty and I need help in correcting this matter as Ive exhausted all remedies to correct the errors with both the creditors and Experian. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Ive done numerous disputes to khols and they refuse to remove item off my record
Product: Checking or savings account

On or around XX/XX/XXXX, I received a text from Key Bank 's fraud department asking if I had made a purchase for {$900.00} through XXXX on my small business account that I have had with them for about 5 years. I replied NO to the text and immediately checked my account. When I viewed my account online, I noticed that my account had been billed 18 times for {$900.00} each time. My account was overdrawn by almost {$1600.00}. Before any of these charges my account had over {$15000.00} in it. I immediately called the fraud line and initially, it sounded like this would be handled quickly. I had a replacement card issued by the bank and even had it rushed because it sounded like my funds would be returned within a couple of days. It has now been over 3 weeks without my funds. I have called their fraud dept multiple times to try and get this expedited as well as visiting my local branch multiple times as I have bills to pay and materials to buy or I will lose a couple of my key customers. All my requests have fallen on deaf ears, they wont offer a provisional credit despite claiming only 2 of the fraudulent charges were actually paid, that the maximum daily withdrawal limit was bypassed for some reason, and that 2 {$900.00} attempts were allowed to go through AFTER the account was overdrawn. To add insult to injury, I was also charged overdraft fees for those 2 attempts as well. I was told I would not be offered a provisional credit while they can take up to 90 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed.XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

EOS CCA has caused harm To my credit score overnight. They put a unverified debt of XXXX in collection and reported to two of 3 credit bureaus. The so called XXXX claim was old previously disputed frudarant debt of XXXX. This debt was disputed twice from two prior collection agencies that went no where over two years ago.
Product: Mortgage

Not only once, but twice i was told by Wells Fargo Bank that they could not help me out at all unless i was defaulted on my loan. The first time my husband was going to be unemployed for a short while, i had called in to let them know that i may be a little short on money the following month since we would be going without his paychecks and asked if there was some kind of payment arrangement that we could make. The person on the phone told me that they could not make any arrangements to help me unless i was at least 90 days past due on my mortgage. 
The second time, my husband was fearing for a layoff from his company because rumors were going around that they were going to be conducting layoffs. Around the same time he received a phone call from a company back east requesting that he come to work for them. In fearing for him losing his job he took the job offer and we moved out east. We put my house up for sale XX/XX/XXXX, and i called into Wells Fargo again. Again i was told that there was nothing that they could do to help me with my mortgage unless i was 90 days past due. I remember arguing with them asking them why they would n't want to help a customer who has never missed a mortgage payment instead of already putting them in a bad situation before they could help. Now it is over a year later, my husband and i have had a buyer interested since XX/XX/XXXX and we have still not sold our house. Our house is still in the short sale program, after being kicked out and sent into forclosure until i called repeatedly about it they put it back in short sale status. I have had over XXXX " case representatives '' assigned to my case in a year, i never hear from anyone, and the only time i hear from anyone is when i post negative remarks on twitter ( i can count on hearing from someone from wells fargo within 24 hours. ) Every time we submit paperwork, they say they have it and then a week or a month later they tell us they need the SAME paper that they just said they HAD! and now since i defaulted on my loan so that i could go into the short sale program as instructed by wells fargo ( since they would not help me unless i defaulted on my loan ) i can do nothing for the buyer who is so desperately wanting to get into my home. at this point the buyer is offering to pay more than what i owe on the home, but since there are penalties and late fee charges for not paying on my mortgage, i can not take a loan to pay the balance of the mortgage and just sell outright to this buyer, because i would not have enough to pay the penalties and late charges. Please help and make people aware that wells fargo prefers foreclosures over short-sales. They do not offer any help until you are 3 payments behind because it is so HARD to get back from a situation like this. They know what they are doing and what they are doing is wrong! If you would like more information please contact myself or my realestate agent.
Product: Credit card

I've always made sure that payments on this account are timely, ensuring they are never overdue. I'm not sure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Checking or savings account

I woke up this morning and checked my Cashapp account to be met with a message from the company. The message stated I violated their terms of service with no explanation as to how and my account is now closed. Upon calling the company, I was once again told my account had been permanently closed but once again would not provide an explanation. 

I am very confused as to how this could happen because I have never had a bank account closed on me. Secondly, I have never used my account outside the scope of services provided by the app and bank. The last time I used my account was on XX/XX/10 at around XXXX at my local convenient store. A store I have visited numerous times in the past using my Cashapp debit card. 

If they are going to close peoples accounts, then an explanation should not only be provided but also appealed. To close my account without notice, an account I rely on to help my family is unacceptable.
Product: Credit reporting or other personal consumer reports

First, you investigation took more then 30 days. Which I have attached proof of. I recently disputed these accounts on XX/XX/year> and I received notice that you have updated the accounts as verified. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. All accounts that have been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all the names and contact information of the employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. These accounts is not any of the above adjectives. Please delete these erroneous accounts immediately or I will be looking to legal options due to your lack of accuracy reporting. 
XXXX XXXX XXXX inaccuracies- high balance, last verified, date reported, date opened, closed date XXXX XXXX XXXX Inaccuracies- Account number, high balance, last verified date of last activity, open date XXXX XXXX XXXX Inaccuracies- High balance, date reported, date open, closed date XXXX XXXX XXXX Inaccuracies High balance, date reported, last verified, date opened, closed date
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX XXXXn and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or Equifax.
Product: Debt collection

I have been fighting this account XXXX XXXX XXXX for almost a year now. Your company is the only company that still has this account up on it collections. I have asked for original documents multiple times and was never sent a validation letter. I requested in writing that they send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act : The name and address of the original creditor Proof of debt Amount owed and account number. 

Copy of your license to collect in my state I also requested that you have this debt removed from Experian until it was verified. Unfortunately, I have has a response and this is what they came up with : XX/XX/2022 : company STATUS Company responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

XX/XX/2022 : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

Finally on Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for taking the time to write us. We are a third-party debt collector who collects XXXX  outstanding bills for one or more dates of service. We are not a debt buyer. The services received were XXXX  services and per the XXXX records, these were rendered per your initiation in an urgent or emergent circumstance. Our records show we have sent debt verification to you in the past confirming the dates on which XXXX provided their services. We have updated your address in our system to that listed on your complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. An itemized statement has been requested from our client and will be mailed to you along with verification of debt. After reviewing your previous concerns, it appears that you believe this debt to be fraudulent. If you feel the account ( s ) were opened as the result of fraud or identity theft please file a report at XXXX. Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit. By email : XXXX By Mail : XXXX XXXX XXXX, XXXX, FL XXXX. Thank you. 

As they have failed to respond to my validation request in 30 days, I am requesting that they cease contacting me and Kindly have the item removed from my report till then. 

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been getting calls for a XXXX XXXX for the last 4 years. This is not me and I have no idea who this person is. The last company is Premiere Credit XXXX. The last call was on XX/XX/2020.
Product: Debt collection

First of all, this is the 3rd time we've complained to have the complaint closed by CFPB. We got a letter from CFPB after, stating we are not the ones filing this complaint. We are a XXXX veteran and XXXX XXXX XXXX civilian family. This is illegal for the company we are complaining about to harass us as XXXX individuals. They keep calling, stating they are a law firm working for CAPITAL ONE, looking for XXXX XXXX my former name but referencing BOTH of us that we have to pay and are being sent to jail!!! We called them back to be screamed at. They id themselves as a law firm, working for CAPITAL ONE, stating we are going to jail. We are both XXXX. One of us is a XXXX veteran. They said that we will be arrested, served, and prosecuted if we do not pay them. They are claiming to have a debt from CAPITAL ONE that we must pay to them because they are part of capital one. We communicate with capital one on a daily basis. Our bills are paid at capital one. These people say to send them over {$3000.00}. We'd appreciate it if they are stopped from harassing, communicating & calling us and family members & neighbors. They have different numbers. This time, they are telling us to call XXXX and reference number XXXX XXXX!
Product: Money transfer, virtual currency, or money service

This is a zelle transaction. They should not allow fraudelent scammer to use their banking system. Zelle should release the receiver 's bank information so i can get my {$250.00} back.
Product: Checking or savings account

I received a letter from Citibank with a XXXX ThankYou points offer after opening Citi Priority account with qualifying activities. My family member and I went to Citibank branch located at XXXX XXXX XXXX XXXX XXXX, NY XXXX to open the account on XX/XX/XXXX. During the processing, we asked the banker to check the eligibility of my family member and the banker said he was eligible so we both opened the Citi Priority Accounts. 
We had fulfilled all the requirements in XXXX, XXXX and I did a live chat with a Citibank representative online, she confirmed that the requirements had been fulfilled and she also provided the promotion code, XXXX, to us as a reference. It has been almost 8 months since the accounts had been opened. Citibank keeps charges us monthly fee but doesn't want to fulfill the XXXX ThankYou points promise. We called the Citibank customer service phone line and they said they didn't see any promotion with these accounts. They instructed us to talked to the banker who opened our accounts. We talked to him and he said he had no idea and asked us to call the Citibank Customer service phone line. It's extremely frustrating and it's like a scam for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I applied for my annual credit reports via phone number XXXX XXXX. I have been doing this for over ten years.I received my credit reports from XXXX  and XXXX. I did not receive a credit report from Equifax. Equifax sent me a letter stating that they were unable to locate a credit file in their database with the identification I provided. Equifax stated that I needed to send them documentation in the mail. I wrote to Equifax and stated that I did not want to send personal information through the mail. I also stated in my letter that XXXX  and XXXX  used the same information I provided Equifax and sent my credit reports. To date, I have not heard from Equifax since mailing my letter to them on XX/XX/2021.
Product: Credit card or prepaid card

I attempted to use my CashApp card at XXXX on XXXX XXXX XXXX XXXX XXXX, MO to prepay at the pump for gas. The transaction was declined at the pump, a receipt stating such was printed out and I retained. I then went inside to prepay for {$20.00} of gas, at which time the card was declined again. Upon checking my balance on the app I could see that {$63.00}, which was the whole balance that was on the card, was pending to XXXX. I inquired to the attendant who immediately asked me if it was a CashApp card and informed me this happens all the time, which is why they have signs on their pumps that say not to use cashapp cards to pay at pump. I obviously missed those signs. She said there were no transactions on record of any gas being bought at that pump or for that amount. I immediately disputed the charge with CashAppp. I returned to the gas station the following day and spoke with the manager who again confirmed there was not a charge for that amount at or around the time i was there. She told me it happens daily and to give it 10 days to see if CashApp would refund the money. She also explained that it was because XXXX holds {$100.00} when a card is swiped at the pump, since I did not have {$100.00} in the account they declined the sale. However, since there isn't a final amount to deduct from that {$100.00} hold, it gets stuck in CashApps system waiting for that final amount, which in my case, isn't coming. I again reached out to CashApp via their customer service messaging service as the phone number has yet to work. I was instructed to open a dispute for the transaction, which i had already done, and to wait for any further information/requests. I received an email acknowledging the dispute, that was it. I again reached out to CashApp after 10 days via the messaging system as the phone number was still not working. I was then instructed that I had to fill out a dispute form to receive any refund and they did not have any record of the first. I told the next person I chatted with that i had an acknowledgement for the dispute. I was then emailed by someone named " XXXX XXXX '' stating that they had closed the dispute because they hadn't heard back from me within 3 days. The only communication i had received up until then was an acknowledgement of the dispute that did not require any additional information. In fact it clearly states on the email not to reply. She said they would reopen the dispute and gave me the case number. Countless attempts have been made by myself to cashapp to refund the money, now they just flat out refuse to speak to me concerning the matter. I have filled out the dispute form twice now. I've sent copies of the receipt stating the transaction was declined. XXXX has no record of a charge for {$63.00} at or around that time. XXXX has reached out to CashApp several times trying to rectify this problem as it, according to them, happens daily. I just want my money back, I've provided the proof the declined transaction. This is flat out theft on CashApps behalf.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : 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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.