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

At XXXX ET on XX/XX/21 I received an email from Wells Fargo titled Get started with your new Wells Fargo account. I then logged into my Wells Fargo app on my phone and noticed I now had 2 checking accounts, the newest account I never opened. I had a few errand to run and immediately when I returned home I called my local branch in XXXX, Pa at XXXX ET on XX/XX/21, I explained my problem to them and they filed a report and directed me to call the main line for Wells Fargo XXXX I called the main line at XXXX ET on XX/XX/21 and once again explained my problem, I was transferred through a few departments explaining my problem over and over, my problem was resolved my username and password for my original account was reset and the newly opened account was put on hold for investigation. I was told the process would take 2-10 days. I spent 57 minutes in the phone with the main office ending my call at XXXX ET on XX/XX/21. I then spoke with my mother at XXXX ET where she k formed me of fraud committed by Wells Fargo by opening accounts in customers names without their knowledge. I spent 16 minutes on the phone with my mother ending the call at XXXX ET. I immediately began researching this fraud incident against Wells Fargo and while doing so I found this agency. I decided I wanted to file a report just in case something similar was happening again. As I went to file this report I logged back into to my Wells Fargo app at roughly XXXX ET on XX/XX/21 and noticed that the newly opened account was already, to my surprise, gone. After being told this would take 2-10 days to resolve I became even more suspicious that it was gone within roughly 30 minutes of my phone call with Wells Fargo. I am not sure as to what happened here but what I do know is I NEVER opened a 2nd checking account in my name nor do I have a need for another account and that with a 2-10 day timeline the newly opened account was gone in roughly 30 minutes. Suspicious or not I felt I definitely needed to report the situation.
Product: Credit card

On XX/XX/year>, I used my Chase Rewards points to redeem a {$25.00} XXXX gift card. Chase sent me an XXXX XXXX gift card, which is owned by XXXX  but different from their general store. I ordered the general XXXX  gift card so I could purchase XXXX or XXXX products. I am not a baseball fan, so an XXXX XXXX gift card is worthless to me, as the XXXX XXXX gift card can not be used in other XXXX stores. I took a screenshot of the receipt which reflects the XXXX  gift card that I ordered. That and the gift card I received are attached to this complaint. 

I contacted Chase immediately upon receiving the incorrect gift card on XX/XX/XXXX. I was told the points would be refunded but it would take 2-3 weeks for the issue to be escalated to the proper department. Today, XX/XX/year>, I contacted Chase to follow up because I had not received the refund nor any communications from Chase regarding the status. After being transferred to a supervisor, I was told that the escalations team he denied my refund and there would be no further discussion. They just kept repeating that I agreed to Chase 's terms and conditions which apparently provides that they do not have to honor any redemption. I asked repeatedly what my other options were and if there was any way to get the gift card I ordered or have the points returned to my account. The representative would only say that the decision is final and that there will be no further consideration.
Product: Mortgage

My loan was sold to Carrington Mortgage Services by XXXX XXXX XXXX effective XXXX XXXX, 2015. Prior to the sale of my loan, I was provided with my yearly escrow analysis which explained that my mortage payment would increase by approximately {$30.00} per month. This seemed like a large increase, so I did my research and found out that my taxes and insurance did increase so the increased escrow payment was justified. Fast forward to XXXX 2015. I am now an unwilling customer of Carrington Mortgage Services. I received a new escrow analysis from Carrington stating that my mortgage payment would increase {$120.00} per month OVER the increase that XXXX XXXX XXXX had already implemented. I lookled up my taxes, insurance, principal and interest amounts for each month and came up with exactly what XXXX XXXX XXXX was going to raise my payment to. {$1200.00} per month. I called Carrinton XXXX and was on hold for XXXX+ minutes each time. And while both employees were courteous, I was eventually told that they could " cushion '' my escrow however much they want and I have no recourse. So my payment is now {$1300.00}. This is unacceptable. I did not agree to these terms and will not pay this. It is appalling that I now have to deal with a company that I did not choose and who can change the terms that I legally agreed to with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to get everything on my credit removed asap
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ). due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashh App failed to take a timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regualtion E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Mortgage

Mr Cooper committed fraud when they charged for a payoff quote request that was neither requested nor provided. I paid off my mortgage on XX/XX/2020. XX/XX/2020 I sent an email requesting a return of over-payment or an accounting. After several emails they finally returned partial over-payment, but kept a fee for Payoff Quote Fax Fee. I have repeatedly demanded proof of a quote request and a copy of the fax, or refund that amount. They have refused to provide and are now ignoring any requests for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute in XX/XX/2020 with regard to the following Personal Information. I am again requesting that you promptly delete and update addresses that I never resided and may possibly be relatives ' address. 
My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies, with late payments that seem uncharacteristic. Please amend these errors.
Product: Checking or savings account

Dear Advance America, I contacted your office on XX/XX/XXXX after receiving a charge from your company for {$400.00} which I did not make. 

Since then I have filed a report with my bank ( XXXX ) for a Fraud charge because someone within your system must have likely used my information to obtain a fraudulent loan. 

I live XXXX XXXX, La. The person I talked to at Advance America said that the money went through the XXXX, La. branch ; I have never been there. 

If necessary, I will go to the XXXX XXXX Police Department and open up a felony investigation. 

The last dealings that I had with Advance America were in XX/XX/XXXX and everything was paid in full. 

Your threats to report me for credit collection are way out of line when more than likely it was your employees who did not check out credentials properly to avoid the theft by deception. 

Advance America has sent me threatening emails saying that if I don't pay the money that my bank has disputed that they would report me to XXXX XXXX.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$23000.00} XX/XX/XXXXXXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Referance # XXXX ORDER # XXXX SOLIDIFI XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I am refinancing my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX XXXX sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX , MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for XXXX XXXX big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX
Product: Money transfer, virtual currency, or money service

I want to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit brought to light some serious issues with the platform. Despite using Zelle many times and reporting discrepancies, I found that neither my financial institution nor Zelle made an adequate effort to investigate my claim. I lost {$730.00} in XXXX of XXXX, which, as a XXXX living alone trying to make it by in this country, is a huge deal and has caused me significant trouble. I was told that recovering lost funds was not possible and that tracking these transactions couldnt be done. The CFPBs findings suggest that Zelle has not only failed to protect its users but has also allowed repeat offenders to take advantage of the system, leaving customers like me exposed to scams. It is unacceptable for Zelle to lack accountability and transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )
Product: Debt collection

Received notification from collection agency. Did not verify validity of debt. This company is in violation of FCRA.
Product: Checking or savings account

Around the week of XXXX ( XX/XX/XXXX ), I misplaced/lost my debit card. That same week I contracted XXXX, so I wasnt really looking for my debit card since I was very sick. I didnt notice that my card was lost until around the first week of XX/XX/XXXX. As soon as I noticed the card was lost, I logged on to my online banking account and Locked the debit card from being used and I noticed that my card had been used without my knowledge. I contacted Capital One on XX/XX/XXXX ( I believe thats the correct date ) to inform them of what transpired. I told them Im just getting over XXXX after being confined to my house for about XXXX weeks or so I noticed that my card had been used without my permission. Theres roughly $ XXXX {$1300.00} worth of fraudulent transactions on my account. The bank representative takes my claim information down and states that I should receive a temporary credit that matches the amount of money spent from the fraudulent transactions. Three weeks or so goes by without receiving any correspondence from Capital One, I logged on to my online banking account and to my surprise, Capital One had reversed the temporary credits they had initially given me. I contacted them to discuss this matter around the the last week of XX/XX/XXXX, the representative told me that the credits were taken away because some of the transactions had been placed at stores that I had went to in the past. I tried to plead my side of the story to them that my card was probably lost at the gas station thats close to my home, so there probably would be transactions from merchants that I had previously done legitimate business with in the past. The bank representative also stated that I had logged into my Online banking on a date not too long after my card had been used. I tried to explain that my wife logged into the account to pay on out automotive loan ( which is also with Capital One ). The bank representative didnt want to accept that response. I asked for a manager. Once the manager came in the line, he stated the same thing that the previous representative had stated. So, at that point I assumed there was nothing I could do. I did some research and found the Consumer Finance website and figured this may or may not help. I work hard for my money, I hate that someone was able to steal my money and my bank accused me of doing this to myself.
Product: Credit reporting or other personal consumer reports

Ive sent a letter to this company to validate a debt they are reporting on my credit report. 
It has been over 60 days with no response from them. ( I have included the letter I sent, the certified return receipt signed by them, and the credit report to show the account ) I was never notified with a Collection notice from this company, or given a chance to dispute this. which they violated FDCPA- because at no point have they Spoken to me in person, Spoken to me by telephone, they did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

In XX/XX/XXXX I was paying my loan and Key Bank was applying my principal payments to fees I complained and they agreed to stop this behavior, The statements then started coming with no explanation of the amount due or how previous payments were applied. so from XX/XX/XXXX thru XX/XX/XXXX I called each month to get a principal and interest payment amount from customer service at Key Bank they would tell me the amounts to pay and I would go pay that amount. ( still no explanation on how my payments were applied on my statements ) on XX/XX/XXXX I again called Key Bank customer service for the principal and interest payment amount, I then went to Key Bank where the branch manager told me that Key Bank would not allow me to make any payments. I immediately contacted Key Bank to find out what was wrong. no one could tell me. Since XX/XX/XXXX, the last one and 1/2 years I have been trying to make my principal and interest payment to Key Bank to find that they still wont except any payment of principal and interest. Since XX/XX/XXXX Key Bank has charge me late fees penalty and legal fees which I have objected to. damaging my credit in the process. Key Bank continues to refuse payment unless it includes all late charges and fees. 
Key Bank refuses to reinstate my loan in good standing and except payment from me until i pay all fines and fees created by Key Bank thru no fault of mine. 
Key Bank refuses to provide any explanation for their behavior in this matter or an explanation of the fines and fees I have called and/or emailed on a weekly or daily routine to try and work something out but after explaining the situation hundreds of times to what seems like hundreds of people in many different department I have gotten nowhere except for numerous calls about foreclosure unless I pay all fines and fees. 
I am supper stressed out and concerned about my home!! 
Can you HELP ME please.
Product: Credit reporting or other personal consumer reports

Hi CFPB, I am having issues with Sunrise Collections Services / Sunrise Credit Services the collection agency for ( XXXX ) Over 5 months ago they tried putting collections on my XXXX account for {$310.00} XXXX disputed the case ( Case # XXXX ) and had collections removed. I guess XXXX was unhappy with the decision and want to fight it so they then went to XXXX and placed the collections there. I am very frustrated that they are making me dispute the same issue again. It is extremely time consuming and you please have XXXX and their collection companies they hire stop placing colections and trying to impact my XXXX XXXX? thank you. 

I had already spent a total of XXXX minutes ( that I could track ) on the phone with XXXX and XXXX store visits. I would call because I received emails about returning a cable boxI was getting unclear, unorganized and contradicting information when I would call. Often the call would get " escalated to a hire XXXX '' and multiple times said there is an error in the system and that everything is complete no action needed to be taken ( please check your recorded calls you will hear this ) the store was polite and reassuring ( making notes ) but apparently incorrect. 

We have been customers with xfinity for XXXX years never missing a payment and always being on auto-pay. We had XXXX accounts with you XXXX XXXX XXXX XXXX and XXXX XXXX. 

I have disputed this situation once and now have to spend more time disputing this is getting ridiculous can you please assist in helping me.
Product: Bank account or service

I signed up for a promotion for a Citigold account that would offer me XXXX XXXX miles. I completed all the requirements and waited for over 90 days ( as stated by Citi ) and I still have not received my bonus miles. I had confirmed with their customer support through secure message that I am qualify for the bonus before I completed all the requirements. I even have a letter stating I am qualified to receive the bonus miles. However Citi is refusing to credit my XXXX account with the promotion miles that they had promised initially. I am now filing a formal complaint against Citi. This is a bad practice by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services XXXX XXXX XXXX XXXX FL XXXX phone number XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can XXXX. I have never heard y XXXX XXXX and never did business with them ever. I don't even know what type of business they are.
Product: Debt collection

I purchased a jewelry at Zales XXXX XXXX, 2018. I signed up for a promotional plan for 12 months interest free if paid for within 12 months. I always pay on time before the statement date of XXXX of every month. Next thing I know I was being charged with the finance charge for the whole year plus the monthly due. When I spoke to Comenity bank I was told that the promotional plan ended on XXXX XXXX Therefore, my payment in XXXX was not counted for the promotional plan because it was paid by the statement which is XX/XX/XXXX after the promotional plan ended. First of all, theyre statement due date does not agree with their promotional period due date. Second, they do not offer a grace period, last but the least they would NOT work with me on the 6 days that my payment was posted. Now, I have to pay the interest on entire purchase including the interest for what I already paid over the year.
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 Confidentiality under 15 USC 1681. 

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 Have All 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.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not contacted XXXX XXXX XXXX  sufficiently to remove this off of my credit as a paid account due to a function of a racketeering endeavor of an information and credit manipulation manufacturer brokerage established against this plaintiff. This account is paid and a duplicate account with XXXX XXXX  has been established yet Equifax refuses to mark this account paid while XXXX and XXXX XXXX have to further this racketeering endeavor by XXXX XXXX in my opinion and an unknown racketeer working with them. I have attached the paid in full letter.
Product: Checking or savings account

Few years ago I opened a checking account and after three days they closed my account. 
Now I am applying again but i got rejected right away. 
No information was relayed on the reason why. 
I know I complained before about my social security number being mixed with my father because of the same first and last name. 
I think they are punishing me for this complaint before. 
I think it is unfair and discriminatory on their part.