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

I have been buying merchandise using my Paypal credit card which is handled by Synchrony Bank most often when there is a special financing promotion. I just discovered that my monthly payments have not been applied correctly toward one of these promotions. I notified the company and was told their automated system for some reason does not properly take you monthly payment and distributed payment in the proper allocation among the various purchases whether they have a special financing promotion or not. The only way to insure this was to call directly and talk to an agent to and instruct them how allocated payment to various special financing purchases and pay over the phone directly bypassing the automated system of online payment as I was told by one of their customer service agents. She did admit there is a problem with the automated system. I did this last pay period and the instructions were not followed. I have made my complaints to management but do not feel confident this issue will get resolve. On one of the special financing purchases had a two year interest free promotion. I am only into 7 months of that promotion and the beginning balance was over {$990.00} and as of today the balance is just over {$41.00} after only 7 months. When that balance should be at this stage of paying 7 months into a 24 month interest free promotion be just over {$700.00} if the payments were properly allocated. Meanwhile other promotions with much less time did not receive any payment at all.
Product: Mortgage

Submitted a complaint several weeks ago and the complaint was closed WITHOUT Wells Fargo addressing the reasons for which the complaint was filed. 
( 1 ) My home was scheduled for foreclosure on XXXX/XXXX/XXXX. Which was six months after my wife passed away on XXXX/XXXX/XXXX. WHY? 
( 2 ) I was denied an opportunity for a modification on a home that I was paying XXXX a month for the mortgage and I currently rent for XXXX after I was force to move. WHY WAS THE MODIFICATION LOAN DENIED? 
Wells Fargo refused the payments that I tried to make in the interim, they referred me to their council. 
( 3 ) Wells Fargo refused a short sale saying I was already too far behind in payments and that is because they refused payments!
( 4 ) My home of 20yrs was sold by Wells Fargo without My being informed in anyway and is currently on the Market as a rental Property valued at XXXX and a monthly XXXX which is 2x my mortgage. It was For this Profit, they took away my home.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to MOHELA/ XXXX XXXX XXXX to try to opt out of my contract per15 U.S.C. 6802. i sent them a letter stating i di not give the consent to share my no-public information with third parties, and that they were in violation of the Family Educational Rights and Privacy Act of 1974, and would like them to take that off of my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/XXXX XXXX  with JPMCB Card Services for which I believe is a Bank loan. that The address and phone number is listed as follows : JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/ is XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. 

I personally feel that it is the same two individuals that attempted to secure the previous accounts.
Product: Checking or savings account

Subject : Follow-Up Report on Complaint to ConsumerFinance.gov # XXXX I am writing to follow up on my previous complaint submitted to ConsumerFinance.gov regarding stolen checks used to open a bank account with Ally Bank. I have contacted both Ally Bank and XXXX, but Ally Bank continues to deny receipt of the funds from the stolen checks, which I have attached for your reference. Despite submitting these documents to XXXX fraud team multiple times via email and text message, I have been ignored or dismissed on each occasion, with assurances that they will see what they can do. This issue has persisted since XX/XX/year>. 

During this period, I have verified my identity and gained access to the accounts associated with Ally Bank, but none of these accounts have a balance or match the account numbers on the back of the attached checks. It is incomprehensible how a bank could lose {$29000.00}, yet Ally Bank repeatedly claimed on at least five separate occasions, including two conference calls with XXXX, that they never received these funds and flagged them as suspicious. The stamps on the back of the drafts with account numbers and the removal of funds from my account contradict Ally 's claims. I have resubmitted proof of the removal of funds from the original account, which Ally Bank denies removing. 

In response to my original complaint, Ally Bank finally acknowledged that they did have my stolen funds all along. They have now returned the money, without any explanation for their previous misrepresentations. They stated that my funds had been placed in a non-interest-bearing account, where they remained for years. As a result, I have lost approximately {$12000.00} in interest. Furthermore, the restriction of my access to these funds caused significant hardship for my family. My husband tragically died in a bicycle accident while commuting to work because I was unable to repair our car due to the unavailability of these funds. 

Ally Banks mishandling of my stolen funds and their continuous denial of possession prevented me from supporting my family during a critical time. The impact of their actions has been catastrophic, and they must be held accountable for the severe consequences that ensued. 

I request that this follow-up report be added to my original complaint, and I seek further investigation and resolution of this matter. Ally Bank 's conduct has caused irreparable harm, and they should be held responsible for the financial and personal damage inflicted on my family. 

Thank you for your attention to this serious matter.
Product: Debt collection

The name on the bill was misspelled and they had the wrong adress I returned a piece of equipment after they tried to charge me to much but they wrote it as if I made some type of payment I have a copy of what they sent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681XXXX XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent 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 reporting, credit repair services, or other personal consumer reports

I sent letters to both XXXX and XXXX regarding an inaccurate, unverifiable, and questionable public record : bankruptcy that was place on my credit report. I asked these companies to investigate this item and provide me with the results of the investigation. These companies have not done so. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't completed in this time frame then the credit reporting agency is obligated to remove the disputed record! I have attached proof that I sent this letter on XX/XX/2021 and that it was delivered via certified mail to XXXX and transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : YOUR NAME - XXXX XXXX ADDRESS - XXXX XXXX XXXX, XXXX, LA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures,, ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

I did my income tax return for XX/XX/XXXX, in XX/XX/XXXX this year. The IRS sent me a check for {$6000.00}. I deposited the check via electronically with my bank ( USAA ) at the beginning of XX/XX/XXXX. The check cleared and the funds were added to my account. After confirming that the funds were secure by checking my account, I wrote " void '' and the conformation number across the check. On XX/XX/XXXX, my wife alerted me about money missing from our account. I panicked and called my bank ( USAA ) to investigate.

The first customer service rep that I talked with told me that the money was pulled from my account because some of the numbers on the check was blurry. She stated that I could try to rescan the check. I told her that I have voided the check once the funds were in my account. She suggested that I mail in the check with a letter stating why it has been voided, or I should contact the IRS and ask for assistance.

I contacted the IRS, who advised me to handle the situation with my bank ( USAA ) because if they start their process it would take at least three weeks to resolve the problem.

I contacted my bank again. The second rep claimed that they could not do anything because the check was voided. I explained to her, that the funds were in my account for over a month, and they know why the check was voided. Her attitude was already nasty, as I explained her answer was different from the other rep that I talked to. I asked to speak with a supervisor.

I was put on hold until a supervisor was contacted. The supervisor talked with more clarity. She explained the situation and said that the only way to resolve the issue was through the IRS. I explained that I felt very disappointed about the situation and the treatment that I was given. I also explained that I am a XXXX United States soldier who was depending on the funds to help me XXXX from the military. I also explained that I do not think it was fair that no one had contacted me before taking funds out of my account that had been there for over a month. Instead of an apology, she tried to shift the conversation to try to sell me some assistance transitioning program advertisement. I politely declined, then contacted the IRS.
Product: Money transfer, virtual currency, or money service

On memorial Day I sent money from my new Chase Bank account which upon downloading chase online banking it came with XXXX so I asked my friend if he ever used XXXX wich he had So on Chase XXXX account his name among others from my phone list came up as verified XXXX account and still double checked his phone number from my phones contacts and it was the same so I sent him XXXX $ when he didn't get it right away XXXX customer service said it might take awhile because of holiday and first time using it then XXXX would tell me they can't see any of the bank activity which I found to be a lie so chase blamed it on XXXX XXXX blamed it on chase my friend never recieved the money then they told me it went to a XXXX XXXX XXXX XXXX credit card because he had that number months ago the money was supposed to go to XXXX XXXX XXXX XXXX XXXX bank So coming from thier list of verified XXXX users how did it go to wrong person with nothing but a phone number Nothing else matched and obviously thier " verified '' list is not verified When no one would listen or help me at my branch in XXXX i went to manager of Chase in XXXX  who were totally on my side saying they dont understand how thier not giving me my money back but nothing they can do
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings that Zelle has not only neglected to protect consumers but has allowed repeat offenders to to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.
Product: Money transfer, virtual currency, or money service

I tried to wire money to Bank of America several times between XX/XX/XXXX  and XX/XX/XXXX  They rejected the wires. 

Before sending the money back to my bank, they deducted {$45.00} each time. 

They have no commercial relationship with me. In theory they never took possession of the money since they rejected the wire. They in effect stole {$45.00} from me each time. 

Because I have no commercial relationship with the bank, I am being told there is no way I can recoup these fees from the bank. 

If a bank rejects a payment, they should not be able to steal money before sending it back to me.
Product: Credit card or prepaid card

I'm not exactly sure of all the details as I did not open these accounts. I have had my information stolen. Have been disputing these for several months. I've contacted the issuer 's, also through XXXX. Nothing has changed. I don't know how to prove that it was not me. There are several lots for trailers and mobile homes for rent on the property. A small rural community in XXXXThe only way I could prove my mail or information would have been stolen is to provide the several reports both with XXXX and published on several websites about the consistency of mail theft in my town by dozens of people. I never received anything nor did I even open up this account. First being a Montgomery Ward card. According to my credit file, was opened XXXX, in the amount of {$200.00}. Second fraudulent account XX/XX/2021, the amount {$480.00}. It's a puzzlement that myself and others are the victim, yet continuously being treated as the criminal. Meanwhile the scam artists and thieves hardly have repercussions to their actions. I'm a XXXX XXXX XXXX  on a very small fixed budget. This has debilitated myself. Also had and is causing detrimental effects to my already XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to you regarding a debt collection entry that I recently noticed on my credit report. The debt is listed under Jefferson Capital, but I do not recall incurring this debt. 

In light of these circumstances, I kindly request that you provide validation of this debt. Specifically, I would like to see the original contract for this debt and the date it was incurred. This information is crucial for me to verify the debt and ensure everything is in order. 

I look forward to your prompt response.
Product: Checking or savings account

on XX/XX/ a customer received an item he bought from me on XXXX, he used paypal to pay me Paypal immediately put a hold on the {$77.00}, CLAIMING i hadnt used my account in 6 months. 
On XX/XX/ I called Paypal to release the money, I explained the customer received the item and 3 days had past, Paypal refused to release the money an stated it would be another week before money could be released.On XX/XX/ I called paypal because another item sold and i received an instant payment, paypal didnt hold that money ( XXXX ), when i logged in to my paypal account on my phone it would not let me transfer the money, the option wasnt there to do so.I got online on my computer logged into paypal or tried, paypal website said i needed to prove who i was by entering a phone number when i entered my number paypal said it wasnt mine? And refused to let me sign in.On XX/XX/ i called paypal the agent transfered the XXXX and the XXXX to my bank account, the XXXX went through and the XXXX was reversed again, I called paypal on XX/XX/ paypal claims they dont know why but it will take 3 more days. Paypal is playing games with me there holding customers money to earn interest on the money customers trust them to handle ... this is fraud.Paypal has broken there fiduciary responsibility to me an immediate investigation into there banking habits are needed now. I need my money now, paypal needs to be fined and investigated.
Product: Money transfer, virtual currency, or money service

I held 8 bitcoin at Coinbase at the time of the fork but I have not been credited with bitcoin cash. What happened is that in between the time of the fork and the time in which the accounts were credited I had to move my account because of access issues. I did so following Coinbase 's instructions. My account was never credit with bitcoin cash, however. I have been trying to resolve this with Coinbase since XX/XX/XXXX.

On XX/XX/XXXX I was told by Coinbase support " Hi there XXXX, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! '' But I have yet to be credit and nothing has happened.