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

I constantly get snail mail saying someone opened up a PayPal account in my name. I get it maybe once a year. This was the first time I got a charge for a credit card opened up through I guess PayPal credit. Its with PayPal/synchrony bank , both of which I do NOT have an account with. I called the number on the mail, but Im afraid to give any information because I dont know if its a phishing number. Anyway, Ive been ripping the bill up for the last 2 months, but the charge made it into my credit report, so now Im trying to get it wiped. SYNCHRONY BANK ( if it was them that I talked to ) said the card was opened up in my name last year, and there werent any purchases. They just sent money to a location I guess The charge was XXXX now it something like XXXX because of late charges added on.
Product: Payday loan

I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX.
Product: Credit card

I just replaced my furnace. I financed with Wells Fargo on a credit card specific to XXXX XXXX. The first month I had to hunt down how to pay for it because they sent no information. I immediately signed up for electronic notifications and billing to avoid that problem. The second month they sent nothing again until the payment was late. I immediately paid it and responded with my disappointment at never receiving billing as requested, yet they clearly had my information to contact me after the fact. I did not see any charge or fee so I dropped it. The next month I set up payments to automatically go from my bank account. They confirm receiving it on time, but since somewhere between they decided to charge me something like {$17.00} dollars they then racked up another {$40.00} and more since they claim my payment was short. They never contacted me about any of this or even sent agreed upon billing notices. I contacted them and told them I expect all the late fees reversed. The agent said they would not be there if I paid my bills on time. This is a scam to charge fees. I asked for a manager. The " manager '' said they can not do anything, but would have the " executive office '' contact me.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a XXXX XXXX called stating she was from the paralegal office of Integrated Services and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.
Product: Credit card

I reported a fraud and coercion to FBI NY office, which it confirmed that I was a victim of a scam operation. I suffered no fraud.

I preemptively reported the incident to all financial service, networking, telecom and software service provider, took step to cancel my accounts and passwords across the board.

CITIZENS credit card, first contact suggested I put a hold on the card.

But after receiving advisement from other financial institution, I took the recommended step to cancel all cards. I cancelled Citizens card.

Since cancellation of my original card, I will received three cards. Everyone one them, as soon as the card is used for an online transaction, Citizens immediately issued fraud alert on SMS and also call me aggressively.

For the first two cards, I innocently thought Citizens had my best interest in mind.

First replacement card, I cooperated without any question. I let them immediately cancel the card and issue a new one, which took XXXX days to arrive. 

Second card, they immediately cancelled without even a discussion when I called in. When I phone back the generic number on my card to verify fraud alert 's legitimacy, instead of a nice interaction, I was treated like a criminal. It insisted to reverify my social security number by voice ( after input to robo system already ). I called in from a pre registered number, instead of accepting it, it insisted to call my home phone, which I complied. But my home phone has robo block so its robo pin authentication failed. Instead of using SMS to mobile registered number, it insisted to disconnect the call. 

Third, in less than XXXX hours of receipt, same happened. I called XXXX to find out who was charging the transaction, turns out it was XXXX for XXXX and identity protection. XXXX took the step to cancel the subscription. This happened while Citizens called to want to discuss fraud. I said I will call back When I called back, I was assured that the hold will be lifted in XXXX minute. 

XX/XX/year> XXXX ( XXXX hours later ), I tried to use to the card to re-establish charge for another online account ( health insurance ), the card is blocked again. No fraud alert. 

First call, call center disconnected me Second call, I asked what code is blocking online transaction, the agent refused to answer but acknowledge a block is set by the system and will be lifted. 

This is utter insanity how victim of fraud is treated by a bank. Bank is insured to the XXXX. It is not entitled to place block on someone's card when the card holder did not authorize the block for normal transaction.
Product: Prepaid card

I have not been able to use my {$50.00} AMEX gift card I received as a gift. Every time I try to use it, it gets declined even though when I login to check the balance, it is {$50.00}. Especially when it comes to online orders or food delivery, it declines. I was able use it for a small purchase at XXXX to see if it works, and it had taken the money out but when I didn't pick up the item, it refunded me. My main issue is that I want to use it on XXXX, XXXX, or XXXX, and it is not allowing the purchase to go through. When I have used VISA gift cards on food delivery services, I never had an issue. When I call the AMEX number on the back, it takes me to an automated voice and I am not able to get any feedback or help.
Product: Debt collection

XXXX issued a XXXX garnishment and attempt to garnish payment from a debt that does not belong to me!
Product: Mortgage

I have my mortgage with Sun Trust Bank and have had some trying times with these people. Recently I was told by them that I didn't have Home Owners Insurance and that I had a lapse from XXXX XXXX thru XXXX XXXX. I called my HOI insurance agency and they sent proof that I did have HOI with them, they called Sun Trust and we made a three way conversation and the lady at XXXX XXXX advised them that I do have coverage through them and since I have allowed them to automatically withdraw the fee, there couldn't be a lapse. However, Sun Trust didn't wait for proof that I do have HOI and took out a {$45.00} HOI and added it on to my mortgage payment as fax charges!! I have had my escrow since I signed with Sun Trust and I believe they want it so they can add it on to their " cushion ''. I am trying to acquire another mortgage company but it takes time. I check the XXXX  and other agencies to make sure don't have a lot of complaints. 
I hope you can help to solve this problem for me. Thank you for time and effort. As an after thought, the 2008 housing debacle still looms in our minds, will it happen again? Some people said it could never happen!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$36000.00}.
Product: Mortgage

12 U.S.C.1701j-3 ( d ) ( 8 ) ( The Garn St. Germain Depository Institutions Act of 1982 ) ( " ... a lender may not exercise its option pursuant to a due-on-sale clause upon ... a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property ). 

Wells Fargo " foreclosed '' on a property in Trust. XXXX XXXX, XXXX was asked for the following information but did not respond : 1. The Security Deed, signed by 1025 Trust, associated with the loan at issue and are defined as a Borrower or grantor under the terms of said Security Deed ; and, 2. Proof of Claim that 1025 Trust is the/your Debtor under O.C.G.A 44-14-162.1 ; and, 3. Proof of Claim that Georgia Statutory Foreclosure Law Requirements allows you to foreclose on a Trust/entity because a different entity, ___________, owes you ; and, 4. Proof of Claim that 1025 Trust owes you a debt and/or present the contract between you and 1025 Trust stating that 1025 Trust will pay you for a debt it does not owe regarding the contract you are attempting to collect from ______________ ; and, 5. Proof of Claim that 1025 Trust is liable for ___________ contracts/debts ; and, 6. Proof of Claim that 1025 Trust and you have a contract with each other ; and, 7. Proof of Claim that Mortgage Electronic Registration Systems , Inc is an Agent, Trustee or Power of Attorney for 1025 Trust ; and, 8. Proof of Claim that Wells Fargo Bank, N.A. , Inc is an Agent, Attorney in Fact, Trustee or Power of Attorney for 1025 Trust ; and,
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of a closed XXXX account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. This account is being reported without my explicit written consent, which is a violation of the FCRA.

Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain circumstances, including the written consent of the consumer. I have never provided written consent for the closed XXXX account to be included in your records or shared with third parties. 

Account Details : - Account Number : XXXX I request that you : 1. Delete this closed XXXX account from your records. 
2. Refrain from including this account in any future consumer reports. 
3. Confirm in writing that the account has been deleted and will not be shared without my explicit written consent. 

Please consider this letter a formal complaint and act upon it promptly. I expect a confirmation of the actions taken within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have a checking account with Wells Fargo. During the entire time I had the account I had a {$300.00} bounce protection limit. They would always pay items to that amount. On XXXX a check was submitted for {$160.00} and one for {$30.00}. At this time the account had a balance of around - {$20.00}. Based on previous experience I expected these items to be paid and be charged two {$35.00} fees. The two items were rejected and submitted back as NSF. In addition to the items being returned I was charged 2 {$35.00} fees. As expected the items were reran again and submitted for payment 2 days later on XXXX. At this time the account was about - {$70.00}. Oddly enough the checks went through this time and again I was charged 2 {$35.00} fees. 

I emailed Wells Fargo through their online customer service. I asked that they refund {$70.00} worth of fees. I was responded to saying that they would not refund the fees. I responded and told them I would open a CFPB complaint and they transferred me to their Executive Office and a rep from that office took my call. Again they could n't explain to me the reason for the above scenario and refused to refund the {$70.00} in fees. I was then contacted by Wells Fargo a few days later in response to a negative balance in the checking account. I told them I was still waiting for an acceptable response to the above scenario and they transferred me to a customer service rep that again could n't fully explain and refused to refund {$70.00} in fees. 

So I am at the last resort of reaching out to you, and hopefully will prevent future customers of Wells Fargo to get the same treatment. Why can they change their rules and reject two items that would have always been paid before, charge the {$70.00} in fees, and then two days later charge another {$70.00} in fees when the items are resent and actually pay them this time when the account was even more negative then before. Why were n't they paid the first time then? Was Wells Fargo very much aware that the items would be resubmitted again a few days later and they were looking to optimize fee income? All I asked them was to refund one set of {$70.00} in fees.
Product: Debt or credit management

Requested main financial to help me improve my credit score by touch base with the owed companies to consolidate all owed companies and/or reduce owed amounts. 
I paid 1st payment/down layment for thier services and had to repeatedly call them to get answers on what they had done/completed/achieved so far, with no help or answers from them except they were working on it and waiting for replies from owed companies which went on for almost a half of a year when I felt like it was a waist of money. I got scammed, and they did not fill full thier part of the agreement.
Product: Debt collection

I received a letter from Credence Resource Management , LLC, indicating an outstanding XXXX XXXX XXXX bill amounting to {$3900.00}. On XX/XX/year>, I disputed this debt by sending a debt validation letter via certified and regular mail to ensure the company received my dispute. The letters were addressed to both the licensed office at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, and XXXX XXXX XXXX, XXXX, MI XXXX. Despite this, on XX/XX/year>, the debt was reported on my credit without any response to validate it. This action directly contravenes my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, including but not limited to Defamation, Violation of the Fair Debt Collection Practices Act ( including Sections 807-8 ), and Violation of the Fair Credit Reporting Act ( including Section 623-b ).
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX, between XXXXXXXX XXXX and XXXX XXXX California time, I deposited {$500.00} cash into my Bank of America debit account at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I used an ATM inside the branch, not one outside, and the ATM ID is XXXX. After returning home, I attempted to transfer the {$500.00} to my XXXX investment account, but the transfer failed multiple times. After XXXXXXXX XXXX that day, I checked my account and realized that the deposit was not reflected in my Bank of America account. 

The next day, I visited the same branch and submitted a claim. The bank provided a temporary credit of {$500.00}, and I believed the issue would be resolved, especially since Bank of America experienced a nationwide technical outage on that day. 

However, several weeks later, on Tuesday, XX/XX/XXXX, at XXXX AM, I received a message from the Bank of America message center stating that they could not find a record of my {$500.00} deposit and that the temporary credit would be withdrawn. The following morning, I visited the branch again, but the staff directed me to call a support line. I waited 20 minutes to speak with a representative and explained everything, only to be told that I would need to call someone else and that they could transfer me. I waited another 20 minutes for assistance, but no one answered, and due to other commitments that day, I could not continue to wait. 

After these unresolved attempts, I decided to submit a complaint to the Consumer Financial Protection Bureau for assistance.
Product: Mortgage

I have been here for over 10 years I 'm not really good at this or any kind of paperwork my ex always did the paperwork so to my knowledged I just paid the mortgage some how we had  XXXX  mortgages started out with  XXXX   XXXX  what the primary mortgage  XXXX   XXXX   XXXX  for the the low er one a s each year went by both increased each year well   XX/XX/XXXX   it got way out of hand and they wanted me to do a home modification to lower my payments needs to say the same thing happened in this other lender   XXXX     XX/XX/XXXX  to  XX/XX/XXXX   I left a job the following year because I wa s working full time     XXXX  and Thursday Friday and Saturday from  XXXX    XXXX   to  XXXX    XXXX  . I worked at a   XXXX   XXXX   for 17 years my body needed to take a break im almost  XXXX  soon well in   XX/XX/XXXX   a friend of mine needed a place to stay she fell ill at  XXXX  and had to let    XXXX   of he r jobs go because of lifting she and her  XXXX  kids and  XXXX  dogs  XXXX  cat as time went on I was having a had time with work had slowed down   XXXX   XXXX   and she became   XXXX   XXXX   could not work very sad to see a strong person sick but because of all this  XXXX  has made it harder for her to get better but my point that I was writing about is all these mortgage companies or scamming me and I had lost over {$100000.00} in this house and I filled out the application for the hardest hit fund and because she did not go with me I did not understand and they said will let you know in a few weeks well she called to find out what was going on and they said that we were tonight and come to find out that it was n't for the hardest hit fund it was for a mortgage something but I ca n't understand why my other lender transferred by deed without me knowing only because I wa s one mon th behind and we were already making arrangements to get this all taken care of so I am out once again and now I 'm about to be out of my home and these people that need help also not going to have a question though and I do n't think it 's fair at least companies just take but they wo n't and they make a start all back over again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

Transunion failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

XXXX provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only Bureau to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet XXXX did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( XXXX ) states that I have the right to privacy. 
15 USC 1681 604 A ( XXXX ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section XXXX a ( i ) 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute an accurate information on my credit report that I believe is harming my financial well-being. Im aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the consumer financial protection , Bureau filed a lawsuit against Experian for its failure to properly, investigate, consumer, disputes, citingsham investigations, and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations it feel to address consumer disputes properly.

Reinserting previously disputed and an accurate information without explanation. Failing to notify consumers about investigation report results effectively.

These allegations highlight system issues that directly undermine consumer protection and perpetuate the inclusion of an inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.