23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

For the second time in a year, Wells Fargo Bank ( WFB ) has just put my savings account into dormancy, despite my making deposits every two months for years, and a withdrawal today, all via Automated Clearing House ( ACH ) using another of my financial institutions. 

WFB 's recent email notice of this dormancy states the following to reactivate an account : " You can easily reactivate your account by promptly doing one of the following : Sign on to transfer money from or to this account with another Wells Fargo account Make a deposit into this account using Wells Fargo Mobile ( R ) Deposit, or at a Wells Fargo ATM or store Make a withdrawal from this account at a Wells Fargo ATM or store Write a check that is paid from this account '' My savings account has no checks. After communicating online via the XXXX website with " XXXX '' ( WFB online agent ), it became clear that WFB insists on physical presence in a branch to do a transaction, or use of a Wells Fargo ATM, to maintain " activity ''. It intentionally ignores my frequent and timely deposits via ACH into this account. 

A State of Georgia website indicates that to be declared inactive or dormant, a bank must " lose contact '' with a customer for an extended period. It says nothing about requiring physical presence in a branch or using a bank 's ATM to maintain such " contact ''. 

This dormancy policy practiced by WFB should be banned by CFPB, OCC, and other relevant regulators. It is very inconvenient and aggravating to get such an account out of dormancy ( last time XX/XX/2016 it required a hour or so in my local branch # XXXX, at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX ). 

I spend half the year overseas, thousands of miles away from any WFB branch or WFB ATM. I will not return to the XXXX until XX/XX/2016 to fix this problem. 

Please work to require WFB to recognize ACH-mediated deposits and withdrawals initiated by an account holder from another financial institution as " activity '', denying the bank the ability to put an account into " inactive '' or " dormant '' status. 

Thank you.
Product: Debt collection

I've contacted United Collection Bureau on many occasions to dispute this alleged debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with this company who remains uncooperative in attempting to rectify this amicably. Failure to remove this erroneous debt immediately from my reports will result in me filing a law suit against your company for many violations of the Fair Debt Collection Practices Act 15 USC 1692
Product: Debt collection

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX. ( hereinafter FIRM ) forwarded a communication headed 'NOTICE OF COURT PROCEEDINGS TO COLLECT DEBT ' to Consumer. This notice stated that said XXXX would be seeking court proceedings to 'GARNISH ' the wages of Consumer in the amount of {$4300.00}. 
Within the forwarded presentment XXXX violated the rights of the Consumer as secured via the FAIR DEBT COLLECTION PRACTICES ACT ( 15 U.S.C. sec. 1692 ). 
On XX/XX/2021, Consumer forwarded an AFFIDAVIT OF FACT via certified mail with return receipt, that of which was accepted by an agent of the XXXX. Within the aforementioned presentment, Consumer cited seven ( 7 ) violations committed by XXXX. Consumer afforded XXXX 14days to respond, yet XXXX failed to perform. 
On XX/XX/2021 Consumer forwarded XXXX via Certified Mail with return receipt a presentment titled 'NOTICE OF DEFAULT AND OPPORTUNITY TO CURE ', along with an invoice which contained a complete breakdown of the reparations saught by Consumer for 'Actual Damages as well as each violation committed by XXXX. 
Consumer has afforded XXXX 10days to respond.

Consumer is filing this complaint with the CFPB, as it is Consumers right to do so when such violations occur, and to inform future Consumers of the aforementioned XXXX 'unlawful ' actions.
Product: Credit reporting or other personal consumer reports

On or around XXXX of 2023 I received a call from my credit card company XXXX Bank, who I currently have multiple credit cards all set up on auto-pay. When I called back the customer support team to ask them why they had called me, after researching my account I was informed by the customer service representative that my address was not updated. I updated the file and the customer service representative informed that everything was good to go. 

On or around XXXX of 2023 I got another call from XXXX Bank and after calling them back I was told that I was late on my monthly payment, this was surprising to me since I had all my credit cards set up on auto pay and my last communication from customer service informed me that everything on my account was squared away. 

After being informed that my payment was late I remedied the situation immediately, and made sure my auto pay was setup. 

I then learned that XXXX Bank had reported a 30 day late payment on my credit which was caused tremendous financial hardship. Had XXXX Bank 's customer service not mislead me I would have remedied the auto pay when I called customer service in XXXX, but since the customer service representative had failed to provide me accurate information I am now being penalized. 

I am asking that XXXX Bank remove the 30 day late payment from my credit report since I did call them in time, and would have made the payment had the customer service representative informed that my account auto-pay had not been properly setup, like it had been on all of my other XXXX XXXX XXXX 

XXXX bank can look at my history and see that every other XXXX XXXX I had at the time was paid in full and on time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and was unhappy to see a lot of inaccurate information on it. I then tried to reach out to this bureau by sending a dispute letter on XX/XX/2020 and I haven't received any results yet. Now I am deciding to go a step further by submitting this complaint.
Product: Mortgage

Wells Fargo Home Mortgage Response on complaint # XXXX is that wells fargo home mortgage does not answer the question at hand with the document that has been stated to make the instrument legally binding. Wells fargo home mortgage avoids the issue of forged document on there part. were not talking about no Foreclosed inXX/XX/XXXX. Stop playing games and making up false things that's not address. Were talking about the California All purpose certificate of acknowledgement is not my signature was this ever presented to me at closing or any time. Wells fargo has yet to provide all the closing documents back in XX/XX/XXXX. I have my originals in the package that was giving to me and there are over 20 lines and documents not sign. Wells fargo home mortgage claims there was only one signature line for a signer as on the California all purpose certificate of acknowledgement. They yet to prove that's my signature on the California all purpose certificate of acknowledgement as I appeared personally and sign. lets stop playing games as if I sign that document and provide proof to the document is my signature for the said instrument. Wells fargo claims they been trying to call stop playing games provide proof as well. 
Wells fargo needs to provide the documents I sign and have back in XX/XX/XXXX and explain why there are so many signatures pages left blank not some documents they forged after the facts. I need the original closing documents. Not every time trying to send some documents in XX/XX/XXXX that's not what were talking about. I still have mail sent US REG mail to wells fargo that's was not answered back in XX/XX/XXXX to this matter. Wells fargo never wants to provide the documents ask its always some game with documents not ask for. Wells fargo stated I sign so prove its my signature and provide documented proof from an document examiner that its my signature and stop sending excuses and documents that's not what the issue is about. there has yet to be a real truthful answer or proof by wells fargo. stick ton XX/XX/XXXXdocuments and stop playing games and lies of calling what are you calling for its simple provide only the documents you gave me in XX/XX/XXXX I have all mine s only the closing documents nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance!
Product: Credit card or prepaid card

We have an XXXX XXXXXXXX Credit Card which was issued through Barclays Bank. Unknown to us, Barclays sold the account to XXXXXXXX XXXX around XXXX. Despite that, our payments sent to Barclays was forwarded to XXXXXXXX XXXX for proper credit. 

In XX/XX/XXXX, we sent an electronic payment via our XXXX XXXX XXXXXXXX XXXX Pay to our usual address ( Barclays ). Without notice, Barclays now advises that they have stopped forwarding payment on " sold '' accounts.

With the assistance of XXXX XXXX XXXXXXXX, we have tried for weeks to get Barclays to either forward the payment to XXXXXXXX XXXX or return the funds to us. They have done neither. Instead, with each phone call, they ask for the same information from XXXX XXXX XXXXXXXX XXXX  has even sent a copy of the cleared checks to Barclays as proof they received the payment.

Barclays refuses to resolve this and has said they can not locate the payment and can not do anything about it. We have escalated this within Barclays but each time, we are forced to speak to a different person who says they do not have the prior information and they will investigate this. They don't return phone calls and won't return the money. This is Theft by Conversion.

A copy of the check showing that Barclays received the money is attached. 

I ask for your assistance to get the funds returned so I can pay my bill to XXXXXXXX XXXX without having to spend the money twice. The amount at issue is {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX
Product: Prepaid card

They have everything recorded they I dont have them on hand but I have a current balance I never used and they keep declining everything hoping I forget it so they can steal it when I need it as an emergency I cant even work tomorrow bc Im out of gas I barely made it home from two gas stations who said my card got declined by them not the store
Product: Mortgage

I fell past due on my mortgage which initiated foreclosure action in XX/XX/2019. 
I forwarded three of the five missing payments for $ XXXXon XX/XX/2019. I spoke with the Loss Mitigation Department of my Mortgage holder. The Loss Mitigation Department advised me that the mortgage was turned over to an attorney and all past due payments had to be submitted to them by XX/XX/2019. I submitted the funds for all past due amounts {$6300.00} and {$5100.00} ( total XXXX ) on XX/XX/2019 via Next Day Air. I have confimation of the funds being delivered and received on XX/XX/2019. I have called multiple times seeking confirmation of receipt of funds and I get the funds have been received but not applied. I have not been given any explanation as to why the funds have not been applied. Furthermore, I've been advised that I am in active foreclosure ; all calls should be directed to their attorney but no information for this contact has been afforded to me. Only a collection service who will not give me any information either. When I call I'm placed on hold for 30 minutes or more and or given the run around to follow up with persons that are not named. 
The sale date is not even exact.
Product: Credit card or prepaid card

have had constant problems with continually failed or closed Cap One ATM up the streeXXXX where I make my payments at Capital One Caf They always apologize and recently I asked for a brand new card to remove that variable from the equation as well. Today i found out they charge/d a late fee ON THE DATE the payment was due at XXXX XXXX time- Which i said i would not pay ; for both reasons. They then said that they now will only credit once every 12 months - And i said aside from the atm failure 'you can't charge a fee while the day is still the day in-progress.
Product: Checking or savings account

Hello My Names XXXX XXXX I Need Help Filing A Complaint On Chime For A Dispute That Keeps Getting Denied For No Reason I Am A Victim And I'm Not getting no help at all my bank account is empty and I have kids to feed bills to pay and cars to drive So what happened was I Just Got Out Of XXXX XXXXXX/XX/XXXX My Chime Account Wasn't Active The Whole Time I Was In XXXX So I Got My First Job In XXXX And Decided To Choose Chime For My Direct Deposit Since I Was Referred. I Don't Check My Account Alot Because I Don't Like to waste money on petty things so I know what I spend and don't. I went to a XXXX XXXX to buy some food and my card got declined so when I checked my transactions log there's multiple duplicated Charges From A Website I Haven't Used For Over A Year And Not Since I've Been To XXXX. I never signed up for no trials no subscriptions I never gave XXXX any permission to charge my account multiple times. I only used XXXX  once and that was to play a bet on XX/XX/XXXX. I showed my bank all the transactions told them the last time I used the service and I even have a XXXX XXXX XXXX saying this happened in error and still no help as of XX/XX/XXXX.
Product: Mortgage

We filed a claim with our insurance company for hail damage to our property & the insurance checks were mailed to our home, made out to myself & Chase. I physically took the checks to the Chase Bank to turn over to them. Initial funds of {$40000.00} were released for us to begin repairs. On Wednesday, XX/XX/2023, an inspector contracted by Chase came to our property to do an inspection. An inspection was completed ( with photos ), and my husband, XXXX XXXX, signed off on the inspection report. The inspection was submitted to Chase at 100 % complete. After FIVE days of dealing with Chase via phone to resolve the release of the funds to pay for repairs, I was told that the file was " referred to corporate for further review for being non-responsive ''. I was initially told that once the repairs were completed, to call for the inspection. Chase is insisting that they sent out letters to which there was no response, yet Chase now has an inspection report, filed by their inspector, and I have talked to the Mortgage Claims department several times, but I was told that they are currently holding the funds because we were " non-responsive ''. I have now spent the XXXX day trying to resolve this issue through numerous phone calls. HELP!
Product: Checking or savings account

Tried contacting Citi bank to close my savings account last month was told they cant because of negative balance the balance was only negative because of a maintenance fee that was charged in error Citi bank agreed to adjust off the fee but they cant do it at the present time and I will need to contact back again. Account is now been charged another maintenance fee because unable to get ahold of Citi. I just want the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to express my deep concern regarding the unresolved dispute over erroneous accounts and information that has been inaccurately reported on my credit file. Despite diligently disputing these discrepancies for the past 36 months, I have yet to receive a satisfactory response from the Credit Reporting Agencies. This has caused significant distress and financial implications on my part, and I DEMAND their immediate attention to rectify this situation. I firmly believe in the utmost importance of maintaining accurate and up-to-date credit information, as it directly affects my ability to obtain credit, loans, housing, and employment opportunities. Therefore, I DEMAND the complete removal of the following erroneous accounts from my credit file : 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 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 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 

As per the Fair Credit Reporting Act ( FCRA ), it is the Credit Reporting Agencies ' duty to ensure the accuracy and fairness of the information they report. Failure to comply with the FCRA can lead to legal consequences, and I DEMAND that they avoid such a situation through their expedient resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts. 
Please investigate these accounts as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly secure my information. An unknown amount of my data may have been leaked to an unknown third party. The suggested solution was that equifax provide one year credit monitoring through one of the subsidiaries. That is not a proper solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to Experian, XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : 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, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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 XXXX, XXXX XXXX XXXX, Medical XXXX
Product: Student loan

I graduated from XXXX University in XXXX, Ohio and I have a large sum of private student loans from XXXX XXXX/Navient XXXX {$80000.00} ) in which my father is my cosigner. After I graduated college and started making payments on my private loans, I wanted to look into how to remove my cosigner. The loan holder company informed me that to remove my cosigner I had to make 12 months of principal plus interest payments and then submit an application. I followed this advice and made those payments for 12 months. When I contacted the company to ask for the application, another individual told me I was misinformed and that my loan actually required 24 months of those payments. She also told me that my balance needed to be significantly lower in order for my application to be approved. After discussing it with my cosigner, the decision was made to not continue making those large payments for another year because it was suggested that we would not be approved anyways. Fast forward a couple years and my cosigner 's health is not in good standing. With the threat of having to owe the entire loan back whenever he passes, I reached out again to see what I could do to have him removed as my cosigner. Interestingly enough, I was told 12 months of principal plus interest payments. When I learned this I asked if I could go ahead and apply since I had met that requirement a couple of years ago. They informed me I was not eligible because those payments have to be made in the 12 months before I apply. I am hesitant to make such payments again when they seem to be inconsistent among their employees. I was informed that their policy can be changed at any time. My fear is if I made these payments again XXXX which is financially hard to do XXXX that they will just tell me different information when I ask to submit an application for cosigner release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$240.00}