23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2021 somebody charged my debit card in Bank of America ( BoA ) first time for {$2500.00} and then for {$580.00} through the XXXX XXXX XXXX, and twice by {$9.00} through The XXXX XXXX. Totally for {$3100.00}. The BoA alerted me about these payments and I refused to accept them as my purchases while these charges were at the processing stage. The BoA claim ID : XXXX. We asked the BoA to stop processing. However, the BoA ignored our request and has processed these charges. Moreover the BoA asked us not to contact merchandisers ( XXXX XXXX XXXX and XXXX XXXX ) and wait for while the BoA investigates the case. Some time later we found in the BoA 's Message Center that this claim is " resolved -claim not paid ''. It means that the Bank of America just covered this robbery. Instead of finding the person ( s ) who used my debit card information that was stolen somewhere and somehow and initiate the criminal case, the BoA went the easy way to shift the blame on me. As I understand correct, the XXXX XXXX XXXX is financing subprime automobile loans, checked credentials of person who was taken this loan. Therefore, the XXXX XXXX XXXX has information about this person, and could initiate the criminal investigation. However, nothing was done. I have no idea who get this loan. the XXXX XXXX XXXX didn't inform me about operations where my identity was involved. It looks that this is some kind of financial arbitrariness happens in the USA. My wife and me already applied another complaint for the BoA, and XXXX which charged my credit card for more that {$9000.00} and again the BoA decided the we are guilty in those charges. We can not understand what disaster happens in the Bank of America. Instead of protecting their customers the BoA just robs them.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX agreed to accept my daughter and I as new clients, knowing he was leaving the provider XXXX XXXX, approx 2 months later. 
We saw this dr twice, and received a bill for over $ XXXX a few months later ( XX/XX/XXXX ). I called the provider under which the dr was working, and I was told to disregard the bill as my insurance was not billed for an unknown reason. 
I never heard about this again until I called in XX/XX/XXXX to schedule an appointment for my daughter and I. My appointment was refused as the provider claimed I still had XXXX balance over $ XXXX. An appointment was booked for my daughter However, my insurance properly billed, and my co pay was {$40.00}. Same insurance, same providers. 
Not only did XXXX XXXX vanish sending no notice about any balance, but his termination with XXXX XXXX XXXX was abrupt, unnoticed and neither XXXX nor XXXX contacted me regarding this debt, that should have been submitted to my insurance as agreed, and which should have and would have been paid with very little owed by me. Today, my credit score is affected and in turn, my interest rates, my commercial lease amounts, and my credit offers. I am a business owner, a collections account with no notice, and in violation of multiple laws, is now damaging me. 
I submitted a dispute and it simply came back accurate. I received nothing more.
Product: Debt collection

A representative from Discover called me at work, I work in a hospital and can not get personal calls at work. I had already told Discover that I can not be called at work. The representative spoke to one of my co workers, said that he was from Discover and that it was about my account. The representatives name was XXXX
Product: Money transfer, virtual currency, or money service

A company sent me XXXX to my PayPal account and it has been pending since XX/XX/2024 I asked PayPal why this is pending and they said it's because it was sent by e check and that it has to go from their bank to the federal reserve and then to paypal and it can take 7 to 10 business days. The XXXX was taken out of this business account on XX/XX/2024. I have called paypal everyday since the XXXX of XX/XX/2024 and I keep getting told the.same.thing ... that it can take 7 to.10 business days. I called the Federal reserve today XX/XX/2024 and was told that it takes them 2 business days to do what they need to do. So that means that my money should have been available on the XXXX or XXXX at the latest. Paypal is stating that it won't be released until the XXXX of XX/XX/2024.
Product: Checking or savings account

Capitol One bank has been down since XX/XX/year> so I have not received my paycheck and am not able to use my debit card for any purchases. I have bills due and kids to support.
Product: Credit card

I received a snail mail solicitatiion to open a credit card account by XX/XX/year>, and spend {$1000.00} within XXXX  days and receive a {$200.00} bonus. 

All terms were met and since then I asked about when I could expect to receive the bonus. I kept having been strung along. I've been delayed ( over XXXX months since opening already ). Now they tell me I may be delayed another XXXX months. I told them via message they don't have much to investigate. I sent them a copy of the original soliciatation they sent to me, ( I'm glad I saved it ). They know the terms are met, they acknowledged as much during talk. Shouldn't require another XXXX  months of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$4000.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom it May Concern ; This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Further according to 15 USC g. ( c ) The failure of a consmer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report and compensate me for my mental as well as financial distress Thank you for your cooperation Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I contacted Discover to dispute charges for services Never Rendered. 
I am lodging a Formal complaint with the Consumer Financial Protection Bureau for Fraudulent charges. 
I rented a Hotel room using my Discover Card at the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX night at a rate of {$150.00} via XXXX on XX/XX/year> where the plumbing was not working and the sink backed up with soot and dirty water flooding the bathroom. The XXXX XXXX XXXX promised to give me a credit for the night due to the inconvenience and for services not rendered. The Manager at the XXXX XXXX reneged on this offer to Credit my credit card and has since been fired from the XXXX XXXX. 
I have tried to obtain credit from the new XXXX XXXX, XXXX XXXX and he refuses to reimburse me for the {$150.00} claiming that the previous manager has been fired, therefore he can not confirm whether a credit was promised. I took photos of the bathroom to have proof of the plumbing backing up. These photos were forwarded to both XXXX and the XXXX XXXX to no avail. All three companies, Discover, XXXX and The XXXX XXXX Are refusing to reimburse me for charges for an unfulfilled services ; Providing A Clean decent Hotel room with working plumbing. 
Regards, XXXX XXXX
Product: Mortgage

Refinanced mortgage with eRates Mortgage ( no prior refinance experience ). The refinance was supposed to be a no-cost loan. Was led to believe by the broker that the lender credit does not have to be on the HUD and will be taken care of separately. As a result a lender credit of XXXX {$2000.00} was not applied to the transaction.
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 confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a credit card from US Bank. I never applied for this card or any card/account with this company.
Product: Credit reporting or other personal consumer reports

I was informed from Experian.com that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX XXXX and XXXX my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports
Product: Debt collection

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my XXXX XXXX. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.
Product: Mortgage

I made a payment to " mr. cooper '' a service provider that only purchased my loan a few months ago. My bank shows the electronic payment was received on the XXXX so I tried to contact mr. cooper via the number provided on their statement but only an automated system was available, and it would not transfer me to an agent no matter what i did. after 3 days of trying to reach them i finally just decided to pay the loan off so i wouldn't have to deal with them anymore. I requested a payoff through the website, since nobody was available to speak, the payoff included the missing payment of XXXX which was XXXX. I wired the payoff on the XXXX in full and it was received. The website showed the payment sent electronically on the XXXX was also processed on the XXXX which means i should have a credit of {$3300.00} plus mu escrow. The website shows i only have a credit of XXXX and nobody will tell me why. I tried to get answers from the chat option but i was told i had to call, now when i call i can't even get past the first question which is my loan number or ssn as the company seems to have closed my account and provided me no means to resolve my overpayment. I want to make sure you understand, when I say i was unable to reach someone, it wasn't that i simply was on hold for too long, their automated system made it impossible to even be transferred to an agent, it just kept insisting it would help that kept hanging up on me when i didn't pick one of its options. I even tried picking all the options and none except the one where i was experiencing a hardship reached a person, the person i did reach who dealt with hardships said they could not help in any way and i would have to try and call back.
Product: Credit reporting or other personal consumer reports

fradulent inquires have been made to my credit report. i have frozen my credit and taking the stpes to get my account protected XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 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: Credit card or prepaid card

On XXXX XXXX, I received an email to my personal XXXX address saying " Your Brink 's Prepaid MasterCard is on its Way. '' I have never applied for a prepaid card nor interacted with Brink 's in any way. I called the customer service line to report what I thought must be fraud and cancel any account opened in my name. The representative said she had cancelled the transaction. <P/>Today, XXXX XXXX, I received a second email confirming that a prepaid MasterCard was ordered. This time, the email was addressed to someone named XXXX XXXX and advertised the Brink 's Prepaid Card mobile apps. <P/>I need for this communication and the fraudulent account to be stopped immediately.
Product: Debt collection

I have settled with this company to make monthly payment and debt is almost settled but its not showing with transunion and XXXX says they have contacted them!
Product: Money transfer, virtual currency, or money service

I received a check in my name for {$840.00} issued to me for a reimbursement of money. I wanted the cash and also wanted to avoid charges at my bank especially if the check bounced for any reason. So instead of depositing the check at my bank, Saturday XXXX XXXX, 2017, around noon I went to the bank branch stated on the face of the check : WELLS FARGO XXXX XXXX Branch XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. Phone : XXXX. I presented the check for payment to the teller ( a XXXX XXXX ). As requested I stamped my fingerprint on the check ( XXXX XXXX provides the ink but nothing to clean it with ), gave teller two photo IDs ( US passport and FL drivers license ), which teller reviewed, approved, and proceeded to counting money. At that point he asks if I 'm a customer of Wells Fargo, I answer no, and he informs me there is a {$7.00} fee for cashing the check. I demanded several times to be paid in full the amount stated on the face of the check which I believe is their obligation. He refused several times and later bank manager came and also refused several times stating it was bank policy. I said I was being ripped off as they were not doing what the check instructs them to do " Pay to the order of ... the amount of {$840.00} ''. Not minus {$750.00}. Simply, they were refusing to pay the full amount thus not honoring the check. Then a third bank employee, a women much taller and larger than me, came up from behind and began verbally harassing me in a loud menacing tone. I asked the bank manager who this person was, she answered just an employee and pushed the check and my IDs back at me. All this while the employee kept behind me more and more loudly almost shouting to the back of my head. Then a fourth women employee standing several feet away started to call at me and a fifth employee, a man in an office behind me stood up and came to his office door. At that point I felt threatened as I saw no other customers in the branch except me. I did not raise my voice or make undue threats, only demanded bank do what check says. I asked if I could take a photo and record their negative with my cellphone. They said I should put cellphone away because it was against the law and I did as told. I asked if their was a policeman around. The woman standing behind me rudely said no but that she would call the police in a menacing tone. I was shaken and decided to leave, harassed, feeling afraid and angry, and without cashing the check. I felt I should lodge a report with the police and may still do so for the bullying but also believe this bank 's practices of charging for doing exactly what they are supposed to do and likely charge their customers for is outrageous. If this is an accepted practice then from now on one should demand checks be issued with the plus amount of whatever the bank charges for cashing the check. This sounds impractical if not impossible, which all the more makes me believe the bank acts improperly not honoring the check drawn against them. Please tell me what are my rights?
Product: Checking or savings account

My bank account ( both checking and savings ) with Bank of America was hacked and cleared out on XX/XX/XXXX. XX/XX/XXXX I called the bank of americas fraud department, they told me they were unable to do anything and I would have to go to the branch I use on Monday the XXXX. Monday the bank informed me that the money was moved to an investment account with Merrill lynch that was opened in my name fraudulently. I told Merrill lynch on XX/XX/XXXX to close the account that was open and they never did. Bank of America and Merrill lynch keep going back and forth on whos at fault. Merrill lynch started the fraud claim XX/XX/XXXX, we have yet to hear anything and it is impossible to get in contact with anyone in their fraud department. The fraud claim with bank of America was opened XX/XX/XXXX after they finally took responsibility. Bank of America denied the fraud claim due to the account being opened in my name and never closed. The address, phone number and signature that were used to open the Merrill lynch account was all incorrect and fraudulent. Bank of America is refusing to give us any provisional funds after almost 3 months of no answers. Bank of America claims they are unable to do anything until Merrill lynch can prove its a fraudulent account. Neither of them can even tell us where the money is. This is {$25000.00} in total that was taken.
Product: Debt collection

Trustee Attorney, XXXX XXXX XXXX, XXXX XXXX and their subsidiary and Trustee, XXXX XXXX XXXX XXXX ( XXXX ), misrepresented material facts related to the excess proceeds during the hearing ofXX/XX/XXXX. Specifically, XXXX XXXX XXXX, XXXX XXXX misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance while they were " conducting post foreclosure activities '' and only submitting the principal balance to the California Superior Court, case number XXXX. Also, the Trustee and Trustee Attorney misrepresented the amount of the debt and sold the debt associated with the XX/XX/XXXX Bank of America, N. A. Trust Deed and note for almost {$90000.00} less than the amount actually owed at the time of auction. This was done in order to sell the debt because no one buys a debt if they ca n't turn a profit. If all of the debt was included, it would not have sold at action since the total amount owed would have been equal to the fair market value at the time of auction ( XX/XX/XXXX ). 

Currently, Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and the interest gained or should have been gained on the excess proceeds while the Trustee Attorney was in possession and control of the excess proceeds for at least six months and all other previously requested desired resolutions.
Product: Credit card or prepaid card

I had a problem with having my account Frozen with my unemployment money couldn't get in touch with no one by phone called numerous times couldn't get in touch with anyone