23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX through TD Bank has charged a {$40.00} late fee when the payment was not late. The account previously had a {$29.00} late fee assessed when their system did not take out an ACH payment. Hold times to speak with their customer service are multiple hours.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I remitted money to XXXX through XXXX XXXX on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from XXXX XXXX through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered XXXX XXXX to stop remittance activities on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX also signed a consent order. The states will use the statement signed by XXXX XXXX to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Credit card

The account is invalid COLUMBIA DEBT RECOVERY LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COLUMBIA DEBT RECOVE XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

CAPITAL ONE AUTO FIN XXXX X XX/XX/2013 {$21000.00}
Product: Credit reporting

XXXX Bank pursued me for a {$140.00} charge that I supposedly had not paid. But I h ad. They recently admitted in writing to me that they had received the payment and had failed to cash it! They had already made a report to the crediting agencies, which resulted in harm by 1 ) reducing my credit limit on other card and more significantly 2 ) interfering with my ability to attain a reasonable rate on a mortgage loan application. 
My last communication with XXXX ( sent via certified mail ) remains unacknowledged and unaddressed. My credit score remains damaged.
Product: Money transfer, virtual currency, or money service

The company, refuses to accept the problem as a dispute under Regulation E of the Federal EFTA of 1976. The bank has made its decision despite the strong evidence contrary to there decision which they have closed based on their findings. There is no regard the customer, s, my knowledge and view of what happened. 
The facts of dates, amount and circumstances are already known by Wells Fargo Bank p, NA. 
COMPLAINT # XXXX TO THE CFPB From : XXXX XXXX XX/XX/XXXX I hasten to file this XXXX complaint on the advise of XXXX to whom I and my Father, XXXX XXXX XXXX XXXX, spoke on Thursday, XX/XX/XXXX, about our concerns about Complaint number XXXX dated XX/XX/XXXX. 
Wells Fargo Bank, ( referred hereafter as the bank ) who is the subject of all XXXX complaints, did reply, as read to me by XXXX. My concern was and still is that the bank continues to insist that I or someone known to me withdrew the {$18000.00} from my accounts. I declared, with indisputable evidence, that I, XXXX XXXX did not authorize the withdrawals ; nor, that I know the person shown on the banks accounts as the responsible perpetrator. 
The latest banks response was communicated to me by one XXXX, with whom I personally communicated by telephone and fax, on or about XX/XX/XXXX. She only reiterated the fact that the case was closed by the bank. I explained that there is a dispute as per Regulation E of the Federal EFTA of 1976. So instead of presenting my stance to the legal department of the bank, she sent a fax number to which I could do so myself. But, this was a stonewall, because the fax number needed a code in order to connect. After not being able to hear from XXXX, I called the CFPB on Thursday, XX/XX/XXXX and spoke to XXXX, the answering agent. 
As I explained to XXXX, knowing that this is a legal matter, which falls under the rules of Regulation E, I have applied for a docket number from the docket Clerk of the CFPB as early as XX/XX/XXXX. Making this request, I hope to have the opportunity to provide the clear evidence that this situation between myself and the bank has created a dispute under Regulation E, of an unauthorized transfer of funds from a consumers bank account. I am sure that at a hearing before an Administrative Agency Tribunal of the OAA, an administrative judge would rule in my favor when comparing my evidence with that of the bank which has a record of consumer financial abuse. My wish is that the bank would facilitate the presentation of my evidence before an independent tribunal of the CFPB, the Federal Agency which has the responsibility of enforcing the rules of Regulation E.

My prayer is, that this complaint would cause a hearing to take place or bring about a settlement and recovery of the unauthorized transfer of the {$18000.00}. 

My Contact information : Any reply to this complaint should be made to my legal representative XXXX XXXX XXXX XXXX, my father whose XXXX XXXX # XXXX  XXXX. Phone : XXXX XXXX XXXX or XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; email XXXX XXXX
Product: Checking or savings account

I have been complaining and having mini phone calls with US Bank the US bank fraud liaison intake people with XXXX XXXX and number of other people Branch visits and XXXX talking to branch managers for over 2 hours yet I still have nothing resolved and according to the Ada Act that the bank should have had like XXXX XXXXXXXX or someone to help me since I have a communication XXXX yet every time I've said this for since what XXXX of XXXX last year I haven't got any help whatsoever I've been given any way to make to fill out my identity theft papers that were sent to me I just finally read the ADA Act title 2 which you guys have fallen short on multiple things that should have been addressed by US bank and your employees yet rules and your company is at fault and you guys are showing gross negligence with your consumers with XXXX and I would like to be compensated for my pain and suffering that I've had to endure and am still suffering from you staff performing fraudulent transactions and embezzling and laundering all of my social security XXXX. Money that I receive!!! over the past half a year it's a new year now that I have have been complaining to you about all of this yet nothing has been resolved I'm very upset and I can't believe you guys conduct your banking in this matter this is mind blowing and makes me extremely devestated!!!!!! I have call recorded bank staments from u and my XXXX and what card I had linked to my XXXX and everything you could think of because all of the transactions are false Maybe a little less than half of them are accurate so I don't know who in your company is messing with my transactions and stealing my money but please get to the bottom of this situation I'm begging you I don't see how you guys can take advantage of a XXXX XXXXXXXX XXXX girl the way you have been it's very frustrating and belittling to me!!!!!!
Product: Credit reporting or other personal consumer reports

I have severe idendity theft and have since obtained a new social security. XXXX XXXX used a number that was stolen XXXX to sell a vehicle under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.
Product: Mortgage

My hardship began XX/XX/2016 when my Son was diagnosed with a rare medical condition know as XXXX XXXX XXXX, in which he had to have undergone 5 medical surgeries over the last 36 months. The surgeries required extended stay in the hospital and caused me to miss several days of work reducing my wages. I had to take a position with reduced income but was able to spend more time with my Son, and my situation worse with a divorce that further reduce my income. 
SSI is providing a monthly benefit but together with my reduced income is not enough to bring the mortgage current or continue to pay at the current high interest rate. I applied for a Loan Modification was turned down indicating that although I have a hardship, I do not qualify for a loan modification.
Product: Checking or savings account

We sent a check with the amount of {$5100.00} made it out to XXXX XXXX and XXXX XXXX via the post office, and the check was stolen. The name on the " pay to the order of '' was changed to XXXX XXXX XXXX and the check was cashed. We contacted Chase fraud department and reported the problems since XX/XX/2021. They told us that the stolen amount would be credit back to our account within 30 days after an investigation. We didn't received the credit after 30 days as indicated so I went out to the Chase branch and discussed with them our problem. The branch contacted the Fraud department was told that the credit would be returned within a week. Until now we still have not received the credit for the stolen amount and it has been more then 6 weeks since we reported the issue to Chase. I have tried to contact the Fraud department multiple times but the wait time is usually more then 30 mins and often time the line got disconnected prior to someone picking it up.
Product: Mortgage

I applied for a loan modification and sent in a complete file ( p and L, 3 months business bank statements, rma, ss awards letter, hardship letter ). I have been calling in daily. I have a sale date for XX/XX/12. Nothing was being worked on. On Friday XXXX I was advised by XXXX that docs are sitting there and an email would be sent so the file can finally get looked at. That same day, I inquired about my payoff that I had ordered. My daughter has stated she may have the funds to pay off my loan since she just refinanced her home and had cash on hand. On Friday I was told they would fax it to me since they mailed it out instead of sending me it via fax as I requested. Friday ends and still no payoff was sent to me. Monday XXXX comes around, still no payoff and no update on my mod. Tuesday XXXX, I call again and was told my file cant be reviewed due to the XXXX rule. I told them that I am in California and that does not apply to me. At this point Im dealing with someone completely rude. I also needed assistance with my payoff as it seems that Selene is refusing to send it to me. Everyone knows about the issues with the us postal service these days, I do not have the time to wait for the mail to deliver it. I specifically asked for it to be faxed. I finally get a supervisor on the line ( XXXX ) who was able to get me the payoff via email and he also confirms that I was given bad info pertaining to the 37 day rule. That since I am in California, the rep should not have advised me of that. The supervisor stated he would reach out for an update on my mod, as there was nothing noted on my account regarding it. I call back 4 hrs later to see if anything was noted to my account and was told that they are barely imputing my information!!!! What does that even mean? She ( XXXX ) also stated nothing is very clear on my account as to what is going on with my file. There are numerous reasons why Selenes behavior is intolerable and the issues that Id like to bring to your attention are the following : The inability of Selene Finance to properly review my file in a timely manner since I have a sale date is intolerable. 
They completely disregarded my file because of incorrect info that did not apply to my state. Due to that, my file has sat there. Selene finance has been completely careless with my file. The number of times that I called to check the status of my file should extinguish any opportunity to excuse Selenes behavior. To top it off, the number of times I called regarding my other potential option to save my home was also disregarded. The payoff was ready XXXX and I was promised I would get it that same day and it took an additional 5 days. 
No one is giving accurate information and no one is being held accountable for these numerous issues.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information on my credit report, as provided under my rights in the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). I request that you investigate and correct the inaccurate or incomplete information promptly. Under the FCRA, you are required to investigate disputes, verify the accuracy of the information, and correct or remove any unverifiable or inaccurate data from my credit report, due to data breach by credit bureau. I kindly request a written response detailing the results of your investigation and any corrections made. If your investigation confirms the disputed information, please provide me with the name, address, and telephone number of the creditor or data furnisher who verified the information. Per the FCRA, this investigation must be completed within 30 days of receipt of this letter. Failure to comply may result in additional actions to protect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a detailed credit report with inaccurate information reported on my consumer credit report address XXXX XXXX XXXX Tx XXXX XX/XX/2021 on Experian. XXXX XXXX XXXX Tx XXXX on XXXX and XXXX inaccurate. Date of Birth on Experian is inaccurate. My previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 ) ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) are inaccurate. Employer/Current employer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inaccurate. Also Known As reported as XXXX XXXX Inaccurate on XXXX. 
The companies XXXX XXXX and Experian have violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. As well as under, 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ) my rights have been violated as such under 15 USC 1681n ( a ) ( 1 ).
Product: Checking or savings account

On XX/XX/21 Bank of America called me to say there was fraud on my account. From bank of america 's number exact number XXXX. They instructed me to move XXXX $ to myself via XXXX and on my own phone number so they could open a new account and refund the charges from XXXX due to the fraud. Once i did it, they hung up. I called bank of america back and they said they never called me. They said it is not covered or insured because it was not fraud it was a scam. The person called me from the bank of america number! and sent me the exact bank of america texts! They knew all of my bank information! It was exactly like a bofa fraud call. Now i am out {$3500.00} and bofa wont replace it.
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 XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

I am a senior citizen that was taken advantage of by American Express through a bait and switch from the customer service on the phone. I have a American express blue card for the past year with a 0 % interest rate. I currently have around {$15000.00} on this credit card. The 0 % interest rate ends XX/XX/2023, and on XX/XX/2023 interest rate goes up to 21.9 %. In XXXX I called American Express customer service and explained Im looking to transfer this balance to another 0 % interest rate card and do they have any available. The man told me on the phone that he does see another American Express card with a 0 % annual rate that I could transfer my current American Express card to with a zero dollar transfer fee also. He said I am being recorded and if I accept, he will run my credit to see if I can get the other credit card from American Express so I can transfer my first American Express card to it. He said I am able to transfer {$7500.00} to the new American Express card from my old American Express card. I also have no money to pay for a transfer fee. If it is done from American Express back to another American Express card. And remember this conversation was recorded so I need the FTC to listen to this conversation to verify this!! I told him it was OK to run my credit. He came back and said I got approved for another American Express card so when I receive the card I can then transfer {$7500.00} from the XXXX American Express card to the new American Express card. Yesterday, XX/XX/2023. I received my new American Express card in the mail. Today XX/XX/2023. I called American Express and they said they do not transfer balances from one American express card to another. They said my conversation with the Man did get recorded and the only thing they can do is talk to him about him giving out wrong information to customers. But they can not give me a 0 % interest rate on my current balance, and there is nothing they can do. They will open up an investigation, but nothing will come out of the investigation because they do not do that. Even if American Express customer service gave out the wrong information to me in order for me to get another card from them. My resolution is for American Express to give me a 0 % interest rate on my initial card of {$15000.00} i was looking to transfer since they bait and switched a senior citizen to take advantage of me. They just told me to go to another institution and transfer them out to a new bank. I told them Im not going to do that. It will make my credit score suffer and I should not have to do that since American Express specifically told me what to do. It is not my fault they are giving out wrong information on the phone to senior citizens..
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XXXX display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity ( XXXX XXXX XX/XX/XXXX Balance $ XXXX $ XXXX XXXX Close Date XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Mortgage

My Escrow account currently shows 2 erroneous tax payments made on XX/XX/XXXX for {$1400.00} and {$26.00}, which the city never received and which do not match any tax bill the city issued. On XX/XX/XXXX I received a delinquent tax bill for my 2020 Winter taxes in the amount of {$1200.00}. To avoid further complications on XX/XX/XXXX when the city no longer accepted payments, I paid my delinquent tax bill. I notified XXXX, XXXX. of this issue on XX/XX/XXXX, no resolution has occurred despite XXXX re-issuing a " response due date '' three times, the original response date was for XX/XX/XXXX, then XX/XX/XXXX and XX/XX/XXXX. No response has been given as of XX/XX/XXXX despite several phone calls to resolve the issue. During these calls no useful information was provided and the response due date is simply extended with no further action taken by XXXX. I need to be reimbursed for my tax payment. I need the erroneous escrow payments refunded to escrow and I need to know the resolution to avoid this error on my summer taxes. I am submitting this complaint based on the lack of adequate response and approximately {$3000.00} missing from my account with no answer as to where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete the hard inquiries Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, FL XXXX is an undeliverable address and it needs to be removed from my credit files
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, Cash App failed to take timely and effective measures to prevent and address fraud on 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations
Product: Money transfer, virtual currency, or money service

Ive contacted them numerous times about funds that I didnt send, asking for a refund, they date all the way back to XXXX and on going. Im not happy there isnt anyone I can call all of them are fake numbers and they keep getting my information for my account. Which Im noticing more and more funds disappear.
Product: Student loan

In accordance with the fair credit Reporting act the Dept. of Education/ AidVantage, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.