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

XX/XX/XXXX deposited {$1400.00} into ATM WellsFargo XXXX XXXX on XXXX XXXX, zip XXXX. 
Machine jammed, machine asked me to enter the amount I deposited. I entered {$1400.00}. Machine printed receipt saying {$200.00} of deposit is available today the rest will be available on XX/XX/XXXX. The machine closed down to any other users at time. 
My account was not credited the remaining {$1200.00}. 
I filled a complaint in the branch. The credited my account till they did a investigation. 
6 weeks later they completed their investigation, told me the machine balanced and debited my account {$1200.00}, causing overdraft. 
I do n't know what to do, I have no proof and feel completely powerless. At time of deposit I had {$2000.00} in my account. We have banked there for 9 years. We have a Wells Fargo Credit Card with a limit of {$18000.00} that we built up from {$5000.00}. We are upstanding members of the community with no criminal records, which is more than I can say for WellsFargo. 
Please advice me, {$1200.00} is not a fortune I know but substantial for me, I cant just swallow a loss of {$1200.00}. 
I cant understand how this could happen and the emphasis is on me. I put money in my Bank and its gone.
Product: Debt collection

Subject : Dispute of XXXX XXXX Collection Request for Debt Validation and Immediate Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal dispute regarding the XXXX XXXX collection account referenced above, which is inaccurately and unfairly being reported on my credit reports by TransUnion, XXXX, and XXXX. Despite my previous certified mail request to XXXX for validation, I have not received any response or supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to verify the accuracy of all reported information and provide evidence of the debts validity. To date, XXXX has failed to comply with this obligation. 

I formally request the following : 1. Validation of Debt : Provide a wet-ink signature on the original agreement or contract demonstrating that I authorized this debt. 
Submit a complete account history with itemized statements detailing how the alleged amount was calculated. 
Confirm that XXXX is legally authorized to collect this debt, including proof of the forward flow agreement or other documentation transferring ownership or servicing rights. 
2. Cease Reporting : Until the requested validation is provided, XXXX must immediately stop reporting this account to TransUnion, XXXXXXXX XXXX XXXX 
3. Immediate Removal of this Account : As XXXX has failed to validate the debt or provide evidence supporting its accuracy, I demand the removal of this collection account from all credit reporting agencies. 

Additionally, I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement actions against credit bureaus for reporting inaccurate and unverified information. For example, in [ specific case examples, if known ], the CFPB penalized credit bureaus for violating consumer rights under the FCRA. I trust that the CFPBs oversight will ensure compliance in this matter as well. 

Failure to comply with this request constitutes a violation of the FCRA and related consumer protection laws. XXXX  lack of response to my prior communication and continued reporting of inaccurate information suggests negligence. Under Estoppel by Silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to validate this debt constitutes acknowledgment that this debt is invalid. 

If this matter is not resolved promptly, I will pursue the following actions : File additional complaints with the CFPB, FTC, and state regulatory agencies. 
Consider legal remedies for damages caused by this inaccurate reporting. 

I request a written response confirming the resolution of this matter, including the immediate removal of this collection account from my credit reports, within 15 business days.
Product: Debt collection

XXXX XXXX  sold my debt to Porfolio Associates. PA sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with PA.
Product: Credit reporting or other personal consumer reports

I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX XXXX XXXX from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Product: Money transfer, virtual currency, or money service

Since the XXXX XXXX of XX/XX/2017 resulted in XXXX XXXX, XXXX has refused to disburse them to customers, despite all their peers such as coinbase doing so. 

Like many of their customers, Ive been waiting for the release of my funds for over a year now. 
Their communications has ceased, and although circle invest has been active for months, they still have not released our funds. 

this recent XXXX XXXX  as now phased out XXXX into two tokens. 

Their excuses have devolved into silence, and they have since changed their user agreement, which is malicious and unethical. 

losses have run up to half a XXXX in opportunity costs.
Product: Credit card

XX/XX/XXXX a reservation was made to stay at XXXX XXXX XXXX between XX/XX/XXXX checking out on the XXXX. 

The entire state of Florida was under severe weather watch XX/XX/XXXX. 

Airlines were canceling flights or offering a flight credit due to the weather in Florida. 

I contacted the hotel to see if I could modify the reservation by phone. They told me to send an email first to XXXX then to XXXX ( the hotel manager ). I called the hotel several times as there was no response to any of my emails. The phone mysteriously rang for over 30 minutes each time after making this reservation. I asked to speak with the hotel manager when someone finally answered and was given the runaround, hung up on several times.

I was instructed to email the hotel manager, no response. I was told to email the reservations department, no response. The event that was rescheduled in XXXX, I end up missing because there was no communication from the hotel on how to resolve the inclement weather that delayed the event and the trip. 

I am now demanding a full refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ).

Said information was shared without authorization nor consent to EQUIFAX by way of identity theft and they are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00}
Product: Credit card

i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.
Product: Credit card

In XX/XX/year>, I opened a Bank of America credit card with a 0 % interest promotion, but I was late in realizing that a minimum payment was still required, unlike other 0 % interest cards Ive had. My first payment was due on XX/XX/XXXX. When I tried to make a payment and set up automatic bill pay, I discovered I was locked out of online payments, and the bank required me to pay over the phone. On XX/XX/XXXX I attempted to pay via their automated phone system, but later discovered it wasnt processed. On XX/XX/XXXX after discovering the phone payment hadn't been processed, I called a representative and was told my account was locked due to being past due, but I could manually pay over the phone with that agent. Without my account details handy, I said I'd call back. That evening I realized I could use points to apply a {$250.00} statement credit, which I later confirmed had been posted. However, I later learned the hard way that Bank of America doesnt count statement credits toward payment obligations, unlike other banks such as XXXX XXXX XXXX XXXX anXXXX XXXX XXXXXXXX. On XX/XX/XXXX I realized this when I was notified that a past-due report had been sent to the credit bureaus, damaging my credit. Since this episode, Ive remained locked out of making online payments. Multiple agents promised my access would be restored once my account is current, the issue persists even though I've paid off my balance completely. This ongoing issue, combined with Bank of America 's unclear policies about applying statement credits, has caused significant frustration and financial damage due to their anti-consumer practices.
Product: Credit card or prepaid card

This is a continuation of Complaint/case number XXXX. 

In the response from Discover on XXXX XXXX, 2020, they claim that the transaction was resolved and that a credit was posted to my account. To refresh you, I was trying to receive a refund for a cruise trip that was cancelled by the cruise line. The cruise line was violating the federal law and merchant agreement by not promptly returning the money I paid. 

In Discover 's letter, they claim that the refund was posted to my account. However, since the letter was written, Discover reposted the charge of {$4100.00} back on my account. When I called them about it, the claim that I am not due a refund and can not find the refund that was sent from the merchant, even though I have faxed to them paperwork from the merchant with the refund transaction information. 

I have made several calls to the individual who signed the XX/XX/XXXX letter, however, their voice mail box is always full and messages left in the generic voice mail box have not been returned even though they state that they will do so within one business day. 

Thank you.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) for its poor customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App neglected to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 

Additionally, their dispute resolution process was unfair and deceptive. They didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and Im seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
Product: Debt collection

During the course of about the past XXXX or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Orginal creditor : XXXX XXXX XXXX XXXX XXXX  agency : Sunrise Credit Service Date opened : XX/XX/year> Amount owed : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX account # 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 or other personal consumer reports

I need to unfreeze my account with Experian, but I can not log into my account because I no longer have access to my old phone number, and I forgot my password. Each time I try to reset my password it will only allow me to verify my account through the phone number and not my email, which I do have access to. Additionally, when I try to verify my account in a different way ( different from using a phone number ), it has me put in my phone number and the last four digits of my social security number. But then it will only let me through if I verify the phone number, which I can not do. On XX/XX/XXXX, I called their main number with the company, XXXX. I called them twelve times and each time could not contact a representative. Each time it would have me give them my information and it would tell me that I am having trouble logging in. But then it would fail to be able to help me. Then I found a different phone number I can call that lets me contact a representative ( XXXX ). However, the first time I got through to a representative, after waiting for an hour, they said they were going to transfer me and then proceeded to transfer me to the same automated system as the one that I had already called a dozen times. The second time I was able to get through to a person after another one hour wait ( side note : on both occasions the automated message during the hold said the wait time was less than three minutes ). I told them what happened during the previous call, and they told me to use a keyword to get through to someone who would help me. The phone number was XXXX, the same I had called many times, and the keyword was Membership. I tried the hack and the automated system proceeded to have me give them my information, and then they said they could send me the link to the website. I couldnt reach an actual person. Because of my availability and how it contrasts with the hours they are open, this process has taken about a week. In that time I even tried another alternative number ( XXXX ), but it had the same automated system that couldnt help me.
Product: Credit card

I recently received an email from Bank of America ( BOA ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the BOA website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my BOA VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called " incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA, so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that BOA will honor my dispute.
Product: Consumer Loan

I have XXXX complaints, the first is that I believe I was discriminated against, with an XXXX credit score I received an interest rate at 5.64 %. I am unable to disclose the names of individuals in my same situation with a credit score less than mine at 3.88 % and one less than that.. My second complaint is, my daughter had a XXXX in 2015, in an attempt to assist her while she was out of work I agreed to co-sign for a refinance auto loan ( same as above ). The documents were sent with both our names, we completed the forms and sent them back. According to a auto finance rep, there was an error and documents were reset to my home, labeled with where I should sign. My daughter went to trade in this vehicle for a lease and this is when we found put that she was not on the loan contract. We also discovered that this is an issue because I am not on the title or vehicle registration. They told us I just needed to be on her insurance. The dealership could not get title from Wellsfargo, Wellsfargo said that the title is " not perfected ''. We called the original loan company, XXXX XXXX XXXX and they explained that they did not release the title to Wellsfargo, but they will send the title to my daughter. We are confused and hurt. My daughter has not gotten any credit for her excellent payment of the loan, because her name is not listed on the loan docs ( they were originally, she initiated the loan ). We are in a bind and want to know if this is legal. Also they neglected to tell us that this loan was for 72 months at XXXX. My daughter has already payed XXXX for this honda accord as she had it for three years ... Now she 'll be paying XXXX over 6 years for a car that is 5 years old. At the end of the term she will have paid XXXX for a XXXX car. What have they done? 

We called to refinance yesterday and they now say that there is something wrong with my social security number. Well I have had this social security number for XXXX years, It is the same ss # they used to approve the auto loan last year and I have been a customer for over 20 years with wells fargo, so why now is my ss # a problem, again discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I received a letter from a XXXX XXXX XXXX Chase Bank Executive Office located in XXXX, IL XXXX, which did not address the major problem that Chase Bank is causing consumers ( clients ) and " ripping off '' people of possible XXXX dollars every day! 
The practice I 'm talking about is that many people are living pay check to pay check and depend on the online email service that we prescribe to. I have read their policies, but nowhere does it say that they can deduct the checks in the early morning hours of the day -- way after XXXX Many of us rely on checking the online deductions and I 'm not so much worried about my {$34.00} XXXX twice = {$68.00} XXXX penalty fee for NSF, but this practice is totally unfair to many people! I usually check my online banking 4 to 5 times per day and the last one is around XXXX I see that my accounts are all right and I plan to deposit monies first thing the next morning ( XXXX ) when I expect the check to be " cashed '' ( withdrawn ) from my account the next day. This was especially dastardly when they withdrew monies for a check from my account on Saturday morning. I suggested that they have a " closing time withdrawals, and do NOT withdraw monies from our accounts until the next business day, which is not happening at this time! This is especially true on Fridays which they say after closing, deposits and withdrawals will be on the following Monday!!! As I said, the policy that they said they subscribe to was that there would not be withdrawals from any accounts after XXXX XXXX which would be XXXX XXXX. They withdraw monies from accounts at least 10 hours from the XXXX XXXX XXXX XXXX. ) deadline! With this day and age of online quickness XXXX immediate transactions ) why does it take over 10 hours from their so-called deadline to withdraw monies from customer 's account, except for the fact that they can collect XXXX dollars from their customers for NSF fees per day!! I thought Chase was going to correct this " rip off '' tactic, but I guess there has to be a class action suit for XXXX dollars for this cheap rip off practice! I guess our suggestion that they immediately ( as soon as possible ) withdraw our funds for our checking accounts so that we may deposit monies immediately when we feel that a check will be deposited. When I go to sleep after XXXX I should not have to worry about NSF fees. I 'm retired and live on a fixed income! However, I write up to about XXXX checks a month for bills, etc., so some of the checks are deposited all month long. I glad that Chase workers do not ever have this problem! The executive office does n't even have my updated address which I changed ( moved ) 10 months ago!! 
I will be transferring my accounts to another bank beginning next month. Chase has by far the worst complaints record in history of banking by far. 
I was already ripped off over {$700.00} a couple of years ago when I was on vacation and they charged me for transcriptions that I never ordered. I went to several Chase banks and talked to several managers and they tried to get my monies back for me but they only got some of my monies back! XXXX XXXX XXXX XXXXXXXX