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

I am requesting copies of all complaints made about this bank to this moment unresolved. while this agency is charged with looking into discrimination etc nothing is being done and i have escalated my concerns about this.   I continue to get responses from a nameless person likely  XXXX   XXXX  not addressing anything. I know this is headed to court. i am no longer making payments on any account and will take legal action to protect my credt Everything referred to earlier goes unresolved. Notes, in a disciriminatory fashion i am now requesting copies of these notes on all my accounts that disable me from getting help i deserve. that any other bank would freely give. I want copies of all SIGNED credit card agreements since my legal research reveals class action suits have been inititated in this regard. I dispute the interest, i dispute that  i AM being di sciminated against. I now have a legal course of action intended to protect my credit and will no longer get the nameless responses when i indeed requested a name be given in the response. Nothing is resolved. AND CFPB has been reported for accepting what is just a bunch of lies and scripts from a nameless person that i demanded be named as i have asked  XXXX   XXXX  to not deal with my accounts. Notes on my accounts i ask for or will in discovery. No one will help me as they other wise would when i call and now no more payments. Let a judge decide. Promos promised then nothing. Interest assessed after i have been misinformed. I will be able to show a judge when the discriminatory behavior began, what it is how it affected my payments and my overall history never mind the time i have invested to create this papertrail. No doubt from a nameless person i will get another Stonewalling script saying " : we will investigate '' nothing is being investigated just dcripted by the same person being discirminatory. Who looks up disputes that are old implies i am a career disputer in a discriminatory fashion and provides wrong information. this behavior appears to still be unregulated. Send a,, documents i request and CFPB i have reported that while your duty is to investigate what i am reporting and have you are not. nothing is resolved. the person who answers must identify himself or i will not accept or likely use in court against this bank. with no other bank has this ever happened. I guess the thought is you bully me you will get what you want. we will see. now you get nothing. Send all copies of arbitraiton, name yourself, send all notes on my accounts that were put on so as to disarm anyone from helping me creating a discriminatory contentious environment. your denial of discrimination or so it seems will have to stand up in court. I read all about discovers fraud. I know this is   XXXX   XXXX   this bank is so horrible no one else responds. i aint spinning my wheeels i am acting LEGALLY.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my XXXX XXXX under the Fair Credit Reporting Act. I am requesting a copy of my TransUnion XXXX report sent to me via mail.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 is when transaction occur total amount {$3900.00} dollars where sent to a person XXXX XXXX via chime unsure who person is filed a police report and also dispute it through chime i keep getting denied. i have bills and was scam out of my money. Chime will not release my funds back to me i have disputed this three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX  XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXXXXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

send {$1000.00} to daughter through western union to be available on  XXXX   XXXX .On  XXXX   XXXX  get notice from western union money on hold. Aft er 1 hour  on telephone western union will refund money back to my bank minus $  XXXX  They  did absolutely nothing but cause problem and charge me {$10.00} .I think they scammed me.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, I have identified fraudulent accounts and inquiries that have appeared on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and inquiries from my credit file immediately : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

1 ) The mortgage servicer US Bank Home Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX RMA application was denied on XX/XX/XXXX. US Bank Home Mortgage stated that no options were available based on insufficient income. An appeal period of XX/XX/XXXX was provided. The appeal was issued to US Bank Home Mortgage on XX/XX/XXXX, within the required grace period. US Bank Home Mortgage chose to ignore the appeal and furthermore state appeal was never received. US Bank Home Mortgage then entered a sale date of XX/XX/XXXX. 

2 ) US Bank Home Mortgage also denied and rejected mortgage assistance application submitted on XX/XX/XXXX. US Bank Home Mortgage previously stated they would honor the application since it was seven business days before the scheduled sale date of XX/XX/XXXX. However, the very next day US Bank Home Mortgage denied application stating application was not complete. US Bank Home Mortgage requested information that was not required for completion of file. Based on my XXXX Tax Return, US Bank requested a P & L statement of two business that were no longer in operation. Which was also explained in the Letter of Explanation dated for XX/XX/XXXX. 

3 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and US Bank Home Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX AUTO XXXX XXXX Balance-
Product: Credit reporting or other personal consumer reports

I recently received an updated credit report stating that the information was verified. However, I am concerned about the verification process, especially given the discrepancy with my bankruptcy filing. 
Detail how the investigation was conducted, including who you contacted at XXXXXXXX XXXX XXXX XXXX XXXXXXXX and their contact information. 
As of today, my credit report still shows the presence of a bankruptcy that has been discharged. However, the fact that it is still being reported is questionable, as I never signed or gave my authorization for this information to be published on my report. To my understanding, this information should not be present in my report. 

Bankruptcy Details : Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Closing Date : XX/XX/XXXX During my investigations, I found that this data should not be displayed on my credit report without my consent, violating 15 USC 1681g , which mandates that consumers have the right to request and obtain all information in their file. Furthermore, I question the procedures used to report this information, as courts are not permitted to provide these details for commercial purposes. The reporting of a bankruptcy indicates that the court or entity in question disclosed this information without my permission. I disputed this matter but did not receive a response from either the credit bureaus or the court, leaving me with this complaint as my only alternative to resolve the situation.
Product: Money transfers

I requested Bank of America to refund me {$1600.00} which I lost due to BoA refusing to act on a fraud claim. BoA refuses to log my request for a refund. 
Statement of facts : 1 On XXXX I made the purchase in good faith from another Bank of America customer - I thought if the person is using the same bank as me, I should be safe 2 I realized I was scammed about 30 mins after I made the online transfer. I contacted Bank of America right away and reported the fraud. Transfers take 3 days to be available in the recepient 's account. Bank of America refused to stop the transfer and also refused to investigate further. I logged a police complaint with XXXX police. 3 The scammer came into the branch and withdrew the funds cash. When the scammer wanted to withdraw the funds, Bank of America could have said " there is a concern regarding these funds so we did put a temporary hold until we clarify the situation '' - I am sure any customer would be OK with that, I know I would. I understand you can not arrest them or take money from their account, but you could have worked with local police to have the right authorities solve the issue if you had limitations on what you could do. None of that happened. There was no action from Bank of America to act on my tip and protect my hard earned money. 4 On XX/XX/XXXX, another person ( XXXX XXXX ) was scammed using the same Bank of America Account by XXXX XXXX. If Bank of America would have acted on my complaint, XXXX would not have lost her money to the scammers. Bank of America should contact her and reimburse her money as well. 5 XXXX XXXX ' account was kept open until at least XX/XX/XXXX, even though at least XXXX people were scammed. Police obtained a warrant on XX/XX/XXXX in order to have Bank of America share information on XXXX XXXX ' accounts. Below is the account used for the scam : Payment was made to : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, WA XXXX. Bank Name : Bank Of America Name on Account : XXXX XXXX Account no : XXXX Routing no : XXXX Amount : {$1600.00} ( wired from my Bank of America account ). Below is the police report with XXXX police XXXX XXXX. If Bank of America was to act on my request on XX/XX/XXXX, neither me nor other people would have lost money to scammers. Thus I hold Bank of America responsible for the fraud. Bank of America is a heaven for fraudsters - during the investigation I identified XXXX additional accounts open with Bank of America which are being used by the same scammers today. I called Bank of America to report these XXXX accounts and Bank of America refused to log my complaint. Bank of America is putting honest citizens at risk and is a safe harbor for people committing fraud. Also, Bank of America refused to record my request for a refund of the {$1600.00}. I provided Bank of America with the police report proving that the transaction was fraud and the person defrauding me was arrested. The scammer provided a written declaration that they defrauded me using the Bank of America account. This proves my request to Bank of America to stop the transfer was legitimate. Thanks, XXXX XXXX
Product: Debt collection

I was evicted in XX/XX/2015. A judgment was entered, and I owed {$2200.00}. They said I had to pay an amount of {$230.00} a month if I wanted to keep this off my credit. The payments were due each XXXX  of the month. I paid on time the best I could. When not able to, they worked with me. They accepted a lesser amount, but I had to make up for it the following month. The last payment was made in XX/XX/XXXX. I ran a credit report shortly after this to start working on other issues, only to find that it was reported in XX/XX/XXXXBEFORE the payment was even due. I feel this is completely unfair. I contacted the company several times, and they said they could not send me a deletion letter so I could have all 3 credit bureaus remove it, but they sent me a paid in full letter. That letter was in my purse when it got stolen out of my car, so I dont have that anymore, but I do have proof it was paid off. The company did contact the credit bureaus, and transunion and experian took it off right away, as it was unfairly reported. XXXX, however, to this day, refuses to remove it. They claim theyve contacted the company and gotten confirmation that its accurate. This company claims they told equifax to remove it. Neither one will do anything to actually remove it, and its preventing me from getting an apartment for me and my children. This has affected my credit for a year and a half longer than it should have. It never should have been reported because I did my part to keep it off of my report.
Product: Money transfer, virtual currency, or money service

I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX  I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do. 

When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant. 

I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time.

My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly

concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.
Product: Debt collection

A collection company by the name of Ability Recovery Services , LLC continues to contact me to collect a collection from   XXXX   XXXX    (  the original creditor ). The balance of this acct is {$2500.00} as listed on all   XXXX   of my credit reports. I have never attended   XXXX   XXXX  , nor have I ever agreed to paying the amount they 're harassing me for. I have sent multiple letters directly to  Ability Recovery,  and also submitted multiple disputes with the credit bureaus, and have yet to get verification that is debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Checking or savings account

I received a settlement check from a car accident and deposited it via mobile onXX/XX/XXXX for {$3800.00} into my USAA account. The attorney that issued the check banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted USAA and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted USAA again and filed a fraud claim on our account. I went to XXXX County Police departmentXX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from USAA. The check was presented to XXXX XXXXlXX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by USAA and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. USAA and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.
Product: Checking or savings account

I was incarcerated from XXXX XXXX and sent my proof to Chime bank as well. My wallet, car keys, etc was left in the home I shared with my ex girlfriend at the time. I too sent in the police report that I filed against her as well. On XXXX XXXX she made unauthorized transfers to her account for {$410.00} dollars then on XX/XX/XXXX upon my release she got hold to my new card that was sent to the home address in which I sent proof that I can not legally be at ; and she activated the card and transferred another {$600.00} dollars. As I mentioned I provided my incarceration documentation, police report, and bond conditions. Ive been denied 8 times and each time the investigation send me the documents that they based the decision off, they never include my incarceration papers ; despite the staff physically attaching my documents themselves. This has almost been 2 months and its an ongoing headache. I just want this properly resolved if possible.