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

I am writing to file a formal complaint against Wells Fargo regarding their inadequate response to my claims of fraudulent activity on my banking account, as well as their refusal to acknowledge my situation as a victim of a robbery and a data breach. 

Recently, I received correspondence from Wells Fargo stating, " Thank you for contacting us. We completed our research and are providing details to address your concerns. Unfortunately, your request for the bank to write letters to your creditors explaining why payments were returned from your checking account ending in XXXX can not be fulfilled. '' The letter further indicated that they failed to provide any new insights or information regarding my case, as my concerns were considered resolved. However, the information they provided is inaccurate and does not appropriately address the severity of my situation. 

I have previously submitted police reports documenting my robbery, along with evidence of fraudulent charges on my banking account. I clearly highlighted these transactions in my bank statements, and yet Wells Fargo has chosen to overlook this information while stating that they would not write letters to my creditors regarding my returned payments. This disregard for my circumstances is not only frustrating but also detrimental to my financial well-being. 

Moreover, Wells Fargo 's approach to handling my complaint has been confusing and unsatisfactory. They seem to maintain that my concerns have been addressed while dismissing the clear evidence I provided. I believe their response lacks the seriousness it deserves, especially considering that I am a victim in this case and that my credit history has been negatively impacted due to these unresolved issues. 

In light of these circumstances, I urge the CFPB to assist in investigating Wells Fargo 's response and practices regarding cases of fraud and customer complaints. It is essential that victims of robbery and data breaches receive adequate support and fair treatment, rather than receiving dismissive responses. 

Thank you for your attention to this matter. I look forward to your assistance in addressing my concerns regarding Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX balance of {$770.00}, is not reputable. I contacted the creditor and was told they would remove the account. Instead, they have continuously taken it off and re-add it to my report.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. EQUIFAX, XXXX AND XXXX reinvestigate these accounts below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Product: Credit reporting

all XXXX credit has wrong addresses. l have lived at XXXX XXXX XXXX XXXX, Oh for XXXX years. all XXXX bureaus have multible addresseswhich i have never lived there. also theyhave a name XXXX ( my grandaughter ) which shoud not be on my report. also i have never applied for a XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX  it shows XXXX inquiries instead of XXXX both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be XXXX inquiry not XXXX
Product: Mortgage

Loancare took over my loan services from XXXX XXXX and informed me there would be no change to my loan. Within the first month, they have asked me to acquire a higher amount of flood insurance. I have an elevation certificate for the home already and I do not need flood insurance to begin with, and they are not only refusing to take off the requirement but asking me to get more. The home is appraised at {$76000.00} and the remaining value belongs to the land. Land is not something you insure typically for a residential property. I have taken out a policy for flood insurance for the home for {$150000.00}. It is not right for them to require me to get more a higher level of flood insurance than the home is appraised for, they changed the " requirements '' of the loan which I had already satisfied with my current flood policy, of which I have in writing from the company that they will not be doing. They also have increased, within the first month of servicing my loan, my " estimate '' for my escrow. My taxes have not increased and I purchased the house less than 2 months ago so there will have been no other changes. I believe they are trying to take advantage of me and are wanting to add a {$7500.00} flood policy to my escrow account as well as increasing my escrow account for no apparent reason. I have called their " customer support '' who did not know why they were requiring anything more from me and they were supposed to return my call after looking into it, that did not happen.
Product: Credit card or prepaid card

I was out of town when the payment was due, and while trying to call I got the message there was a problem at the time, and try to call back later. While calling later, I got the same message. Therefore, I tried using my cell phone to pay the bill and since I was out of town, I did not have my login information, thus taking a long time to login. At XXXX central standard time I finally got through to make the payment. The credit card company considered that late, because they said it had to be made by Eastern standard time. Thus it rolled over to the next day receiving a LATE fee of {$29.00}. The credit account is closed because the store closed. Because I try to do the right thing, I continued to make all payments on time. While explaining this to a representative, she indicated there was no chance of a one time waiver, even with my making payments on time. The company and bank is ComenityXXXX XXXX XXXX
Product: Credit card or prepaid card

This incident happened today XX/XX/2020 at TJMaxx XXXX Branch - at XXXX XXXX. / Cashier register n. XXXX. 

I applied for the TJMax Mastercard Rewards Card, and it was the XXXX experience ever!! 
1. During the application I noticed that the Cashier/Store Associate had put a wrong address for me.. I told her it's the wrong address - she said It was ok and I could change it later using the number in the bottom of the reciept.

The store manager confirmed what the associate said and addes that as long as I change it today it will not affect anything.

2. After I went out of the store I called the number for Card Customer Service. On the phone, I stated I just opened an account and would like to change the address to get the card mailed to the right address. The Customer Service associate I had over the phone attempted to
send me an authentication code to my phone that is on file - she failed. The phone number on file is a wrong one, probabely a non working number.

3. Associate said she could not correct my address at this time and I should go online to upload more documents to verify my identity. At that point I was really frustrated! I asked the associate over the phone to close the account. She did. Then I asked to make the payoff of the current balance, she transferred me to Customer Service.

4.The Customer Service associate was not able to proceed with the payment as all the information on the file are wrong! She could not proceed with the verification of my identity!

5. I called the Store Manager to ask for a solution, either they correct my information on the system or get me the wrong information they submitted so I could at least verify my identity to the Card Customer Service number. 6. The store manager couldn't be more unhelpful. First she said there was nothing at her end to do to help me and that I have to call the Card Customer Service and get that fixed. I said so your associate
messes with my Identity and social security number and then I have to correct her mistakes? She answered firmely " Yes! '' - Very cold, very unhelpful, not showing the slightest sign of courtsey! She insisted that I should try to fix everything with the Customer Service Number.

At this point I could not believe this was happening to me!

I am really frustrated. I have an account that has my social number, I do not have which phone number or address it is associated to!

I attempted to make a payment, the customer service associate could not proceed with it because She could not verify my information!
Product: Debt collection

In XX/XX/2021 I received an email from XXXX XXXX stating that I owe them {$510.00}. As you can see in the email I responded with " What is this? Cancel please I didnt sign up '' I just now received another email from a debt collector " Rauch Milliken International '' saying I owe XXXX XXXX {$2100.00}. XXXX XXXX is committing fraud, I never even saw the advertisement that was posted with them. I need your assistance investigating this matter. How is it that they keep trying to bill me without my consent? I need these fees waved and all debt collectors to stop contacting me for debt I do not owe. The debt collector 's information can be found here : www.rauchmilliken.com As also stated in the email, the debt collector agreed that I tried to stop the charges but then states that she could only waive {$310.00} XXXX XXXX and rauch milliken are committing fraud.
Product: Mortgage

Hello, I paid a second off years ago in an agreement, they claim they never received the check, but I provided proof I sent it. Now they are trying to foreclose on my property. First, I tried calling them and just got automated services. 

I had hire an attorney to stop it the forecloser, but looked them up and they have a criminal record. both the president and CFO of XXXX XXXX XXXX XXXX are in jail for fraud. 

Now I again offered to pay them and they are trying to ask me for 5 times as much money. 

I need help in what to do next.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX ) years ago on XX/XX/XXXX, I purchased my vehicle financed from XXXX, but on XX/XX/XXXX only over a month later, I had problem with engine light which was then turned off But no replacement, or repair offered, nor was warranty with regard to Federal Law Madison-Moss warranty Act. From XX/XX/XXXX - XXXX XX/XX/XXXX., I had to continually do repairs Then finally my vehicle broke down from XXXX XX/XX/XXXX. Amid XXXX XXXX pandemic I was given a forbearance, modification Deferred payment plan by XXXX But in XX/XX/XXXX, it was cancelled without noice, making all payments current again, then sent me a 120 days late notice. I was told to go to XXXX XXXX to pay {$400.00}. On XXXX.Even though, my vehicle did not run. So I made the payment. Then the following week XX/XX/XXXX. XXXX illegally repossessed my nonoperable vehicle. Then they closed then agreed to closed the account on XX/XX/XXXX and again on XX/XX/XXXX. I do not owe XXXX.
Product: Debt collection

I am having an ongoing harassment issue with XXXX XXXX XXXX doing business as DRS. they have repeatedly called family, friends, relatives, ex employers and current employers. Every number they have in their database they have called. i spoke with them, a woman who gave her name as : XXXX XXXX and a man who gave his name as simply " XXXX XXXX '' who refused to give me a first name. I asked them not to call my family or my employers, they told me they had the right to do so and would continue to do so. They have left messages in detail on answering machines and have caused me problems with family complaining about it to me. My ex supervisor called me to play the messages, which are insulting and humiliating. Worse of all i have no idea what they are collecting on. i have disputed information with them and the disputes go nowhere. When I call i am told they will continue to call because they have the right to do it and if I want to make the calls stop I have to pay them. 
This has gone on even after I called them on a recorded line on 3 occasions and asked them to stop harassing me and my family members,. I asked them not to call my job and definitely not to leave messages on any machines. All to no avail. 

XXXX has even called people in other states. Totally disheartening. I am looking into legal recourse, because not only will they not copy me on information in dispute now they are disregarding my numerous requests to have my privacy respected. my employment respected. 

I am asking this agency for oversight to this matter and nothing more. i am in need of assistance and have absolutely no confidence that this company will do the right thing. They have already shown me enough with their rude employees and worst practices to continue to navigate this problem on my own without outside assistance. Thank you kindly.
Product: Vehicle loan or lease

If you look at the paper work I have attached you will note they claim they sold my loan in XX/XX/XXXX to XXXX XXXX that may be true I have no idea but I know one thing they repossessed my truck in XX/XX/XXXX. They try to say that happened on XX/XX/XXXX. 
The payments stopped in XX/XX/XXXX if they were to repo it in XX/XX/XXXX that would be 10 months without a payment. The XX/XX/XXXX date would be 6 months with the holidays at the end of the year. I know the date of repo as my insurance was canceled the following monday XX/XX/XXXX. They have been asked several times by me to produce paper work from the repo for me they have not. If you look at the XX/XX/XXXX letter you will note that they admit they caused the delinquency of my loan but fail to address the loss that I suffered by such and sent a check for XXXX not even close to what they in fact owe me. 
How can a Bank be so confused? They claim on XX/XX/XXXX I called and asked for them to repo my truck that is 100 % false and a lie. They have learned nothing by the actions taken so far against them. They are getting worse and 1 of 2 things needs to happen they need to refund people in full without lies or 2 go out of business. Wells fargo Bank is doing no one any any good the way there still doing business. It is XXXX and they have been playing games like this for 20 years there is no reason for this at all. NONE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX  XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX
Product: Checking or savings account

I came across paperwork from XXXX for two IRA certificates of deposit that had been gifted to me. The amounts on the accounts were approximately {$330.00} and {$330.00}. The accounts were at XXXX XXXX XXXX  XXXX Chicago. According to the FDIC, that bank merged into Bank One which then merged into JP Morgan Chase. 

I made an appointment and went to a branch in XXXX XXXX, sitting down with XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm XXXX with the paperwork. He informed me that he could not find the accounts in their system and that there was no recourse to research what happened to the accounts. 

I later called customer service for Chase that same day and spoke with a woman who identified herself as XXXX at approximately XXXX pm PST. She also said she could not find anything in her system. Moreover, she stated that there are no accounts older than seven years and that there was no recourse to research or find this account. 

That strikes me as untrue inasmuch as an IRA is meant to be held for a long period of time. Moreover, an IRA XXXX should be a liability that was assumed during the mergers and the accumulated interest should be significant by now.
Product: Checking or savings account

My mom had a safety deposit box with Wells Fargo. Some how she put my name on it as well just in case of an emergency. My mom XXXX XXXX passed away over two years ago. I have been fighting back and forth with Wells Fargo for over two years to get this safety deposit box closed out. We could never locate the key after going through my mothers belongings. 

I wrote several letters to the branch manager during covid. I live XXXX miles away from the XXXX XXXX, Branch. He said to come down anytime I could make it to XXXX and he would close it out. I went drove all the way down there. The new manager said I needed an appointment. I drove all the way down there again and the XXXX XXXXXXXX never showed up. I signed a paper saying they could drill the box, and certified that there was nothing of value in the box. They never closed out the box. They are still sending me bills and certified letters that they are going to turn me over to collection. Now they are going to ruin my credit over this. Please help me. Wells Fargo bank XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX. Phone number XXXX Sincerely XXXX XXXX. Please call me if you have questions. XXXX
Product: Mortgage

I am in the process of selling my home. I have reached out to my mortgage lender multiple times to better understand my mortgage terms. I've called three different times and have received different answers. To validate terms in writing, I was given an email. I have emailed them four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. I am simple trying to understand if my loan is assumable. 

Lender : Ally Financial Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Coinbase sent me an email stating that it would be closing my account for violating its terms of service. It did not say what part of the TOS I had violated. Coinbase then froze my account, and allowed me to withdraw my cryptocurrency assets only by using a tool on the Coinbase website. However, I was unable to withdraw {$7700.00} in US currency using the online tool. The only option that the online tool gave me for withdrawing the funds was a XXXX XXXX account that I had linked to Coinbase some months ago. By XXXX, however, that XXXX account had been closed for several months. Because my Coinbase account was frozen, I was not able to use the Coinbase website to add an new bank account to receive the frozen funds. 

I pointed out this problem to Coinbase on XX/XX/XXXX, the same day that I received the account closure notice. In a phone call and email I asked Coinbase to simply return the funds to the same account from which I had wired them into Coinbase -- a XXXX XXXX XXXX XXXX XXXX account in my name. On XX/XX/XXXX I received an email reply from Coinbase customer service stating : " Ive just checked your account and can confirm that your request has been properly escalated. Once your request is cleared, well be sure to follow up. '' By XX/XX/XXXX I still had not received my funds, nor had Coinbase provided any additional explanation for the delay. I again wrote to customer service asking for an update and explanation, but to date ( XX/XX/XXXX ) have not received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased two mattresses ( one for myself & one for my husband XX/XX/18. The contract to an amt of XXXX These were NOT any over the top mattress ; but two pillow tops-which we did not order ; but they shipped and said we had to accept. The payments were to be XXXX each month. We paid every payment on time until : our bank account was hit by a false check. I went to the XXXX XXXX and paid a fee of {$10.00} to keep from me being have to pay a late feel. I went the bank and came back immediately with the XXXX in cash. They did not return my $ XXXX or apply it to the account. Some 3 months later my husband was in the hospital and I had to pay the same fee again. After that we needed to take care of him and that made me a day late. The next we heard was that we were being taken to court ; unless we paid off the account. At that time we were exactly two payments from completely the account. They wanted it all on the same day or nothing else was acceptable. I have bought from them 3-4 different times and all paid out in full with no issues. They have already put this on my account for all to see ; and want more money including {$63.00} for an attorney they are using. If you look at the full list of everything done during this period ; it comes to a paid in full. But they refuse. XXXX XXXX I am sending a copy of the documents that are on this amount due.
Product: Debt collection

On XX/XX/XXXX a Writ of Garnishment was obtained by Assett Acceptance on me and my employer, XXXX XXXX XXXX , XXXX. Starting XX/XX/XXXX funds my paycheck were taken and continued for about 6 weeks. Even though I tried to claim the Head of Household Exemption it was denied. After 6 weeks a total of {$800.00} had been held by my employer. And nothing more was taken. On XX/XX/XXXX the XXXX Seventh Circuit Court de solved the Writ for Failure to Proceed. We had heard nothing since then from either the court or Assett Acceptance. After 2 months the {$800.00} was returned to me by my employer. 

On XX/XX/XXXX Assett Acceptance was able to obtain another Writ of Garnishment. I tried to call them and offer to settle for the stated amount of {$1900.00}, but was then informed that I owed over {$3600.00} now because of court costs and filing fees, of which NONE of this is stated anywhere in the new Writ. The ONLY amount stated is {$1900.00}. The person admitted that the original Writ was de solved due to Assett Acceptance 's error. I asked why they never completed the garnishment and was told, " because they can ''. 

Why should I have to be responsible to an error they made resulting in more costs an fees? I feel that they made the error on purpose so they can collect more than what they are entitled to. 

There was no way he would take my offer and told me to talk directly to the court. 

I feel that I am being ripped off for something I had no control over.
Product: Credit card

Best buy citi card {$3000.00} balance when my credit limit was only {$2000.00} also I was incarcerated for a large portion of the time I was " spending '' and refuses to remove the delinquency of my account from my report.