23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2011 I had to have XXXX at XXXX Hospital in XXXX XXXX ca. The hospital had patient information leaked and that 's when a collection agency by the name of Grant & Weber obtained my information. I contacted the hospital to make sure they had not sent me to collections with this agency and the hospital stated they did not report to Grant & Weber at all. The times I talked with an agent from their company he was very rude and bordering threatening. He called harassing me over and over. They could not provide me with information backing that I owed them any money. I was eventually able to remove their derogatory marks from my credit report. Last week Grant & Weber again reported the same 4 debts to my credit report without any other form of contact. I have talk to other people who have dealt with the same collection agency and no one had a good experience. Their practice is shameful. They want to hurt, not help you. They give vague information and when you ask for details they get upset and are very condescending. If you are lucky enough to get them to send you information to validate your debt it is a joke. The information is as vague as the reps are. Ask them anything about the debt and they turn on you. This company should be put out of business!
Product: Checking or savings account

On my first visit to the Wells Fargo XXXX location XX/XX/XXXX, I attempted to withdraw {$11000.00} from my account. I arrived around XXXX PM, provided all necessary information, and was told the funds were available in my account. A teller appeared unsure and called someone over to verify the transaction. I was asked to sit and wait. By the time XXXX XXXX  approached, the bank closed, and I was still waiting. During this time, a police officer asked what I was trying to do. I explained I was simply withdrawing funds already reflected in my account. Ultimately, I was told my funds would take XXXX  business days to clear, despite the balance already being visible. 

The bank suggested I withdraw {$2000.00} daily from the ATM instead, but I declined for safety reasons, as the area is not secure, and withdrawing in increments seemed unnecessary. I left feeling frustrated but decided to return the following week, as I had another check to deposit. 

On my second visit XX/XX/XXXX, I arrived earlier to avoid delays. I deposited {$25000.00} check and again requested to withdraw {$9000.00}. Despite the funds being available, I was subjected to another round of verifications. A teller recognized me from the previous visit, but a XXXX, XXXX XXXX, intervened. XXXX was dismissive, insisted on unnecessary steps, and loudly told me to leave the bank. When I asked for a valid reason why I could not access my funds, she refused to provide XXXX, claiming again that the withdrawal required XXXX business days for approval. 

I was humiliated as XXXX yelled at me in front of other customers and instructed the police to escort me out. I was not hostile, disrespectful, or disruptive. I simply stood firm on wanting access to my funds. 

To confirm this was not standard procedure, I went to another Wells Fargo location at XXXX XXXX, where I successfully obtained a {$21000.00} cashiers check without issue. This clearly demonstrates that my funds were available all along. Tracys actions were unnecessary, discriminatory, and unprofessional. 

I have been a loyal Wells Fargo customer for years and have never experienced such mistreatment. Her behavior was not only humiliating but also raises questions about fair treatment at this location. I am seeking answers and accountability for this experience. 

Banking Regulations These laws regulate how banks operate and ensure fairness, transparency, and accountability.
Product: Debt collection

The information that you indicated in my credit report I already demanded a proof of how you dealt with this. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.
Product: Student loan

Mohela states they refunded XX/XX/XXXX payment on XX/XX/XXXX. I have yet to receive the money. I have asked repeatedly for proof of the refund and have not gotten accurate proof that a refund even occurred. The amount is {$1700.00}. 

Mohela has sent letters stating inaccurate amount such as {$680.00} refund was processed. This is absolutely ridiculous, as that is not even the amount of my monthly payment. 

Where is my money, Mohela?!
Product: Credit card

Navy Federal Credit Union {$15000.00} 16.99 % APR Account Opened XX/XX/2018 6 years on my credit report
Product: Credit reporting or other personal consumer reports

Letter sent to remove inaccurate and non mailable addresses and names
Product: Checking or savings account

I opened a bank account with Citibank on XX/XX/year>. As of today, XX/XX/XXXX, it has barely been a month, yet I have experienced repeated misinformation and deceptive practices from both agents and supervisors. I have been told multiple times that I would have access to my funds, only to later be informed that I would need to wait an additional two weeks. Each time I request confirmation, the timeline changes, and I am repeatedly told that this is policy. 

I feel that I have been deliberately misled and subjected to extremely poor service. Furthermore, I am unable to close my account because of pending funds, and I have no idea how long the bank will delay the process. Given the repeated dishonesty and lack of transparency, I do not feel safe keeping my money in this account. 

Additionally, I have been falsely assured that my case has been escalated, yet no supervisor has ever contacted me, despite repeated promises. The level of incompetence and lack of accountability within Citibank is alarming, especially for an institution entrusted with managing customers finances. 

I strongly believe Citibanks actions may constitute violations of federal banking regulations, including those enforced by the FDIC, particularly regarding deceptive or unfair banking practices under Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and potential violations of the Truth in Savings Act ( Regulation DD, 12 CFR Part 1030 ) due to inconsistent disclosures about account terms. Furthermore, if my funds are being withheld without valid justification, this could raise concerns under Regulation CC ( 12 CFR Part 229 ), which governs the availability of funds and holds on deposits.

Given the severity of these issues, I demand immediate resolution. If my concerns are not addressed promptly, This situation is unacceptable. I regret ever opening an account here, and I expect immediate corrective action.
Product: Mortgage

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX   XXXX  We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times over the past 30 days, requesting a payoff demand. BAC is refusing to provide a Payoff Demand. 

Today they are claiming that the loan has been charged off. In turn I asked that we receive either a payoff demand showing the balance due, if any ; OR a Reconveyence of the 2nd XXXX. I was told by Customer Service that the short sale department handles these requests. The short sale dept told me that the chargeoff dept handles these requests for charged-off loans. I then spoke to the charge-off dept who told me that only the short sale dept can help me. I spoke again to the short sale department and they sent me back to the chargeoff dept. 


In every conversation I was directed to a different department, who then told me that dont actually have the ability to process my request for the payoff demand on this loan. 


At this point Bank of America has acknowledged my authorization as an agent for RE XXXX XXXX. They have also told us in writing that the loan is charged off. THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 



*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE 2ND FILE WITHIN THE PAST 3 WEEKS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT # FILED ON XX/XX/XXXX -- CASE # XXXX **************************
Product: Credit reporting or other personal consumer reports

Social security number XXXX On my experian credit report their are two fraud hard inquiries from XXXX  and XXXXXXXX XXXX XXXX  please have experian removed them from my credit report
Product: Bank account or service

On XXXX/XXXX/2015 I received an overdraft fee in the amount of {$35.00}. I was told by the manager at the XXXX branch that it was caused by the XXXX XXXX preauthorized debit. As you can see on Document # 1, XXXX XXXX was posted to my account on XXXX/XXXX/15. Then on XXXX/XXXX/15 I was able to withdraw {$130.00} out of my account because I had sufficient funds available. As you can see, on XXXX/XXXX/15 I had a balance in the amount of {$5.00} which would have covered the XXXX XXXX transaction. Once again, this a plot to take money from the consumer. I asked the manager what time did the preauthorized debit post, she did n't have an answer but she told me what time ALL the other transactions posted. The bank is refusing to give timestamps for preauthorized debits just so they can get the overdraft fees. As I explained to her as well if XXXX XXXX was the transaction that overdrew my account, then why does n't it reflect on my statement. There are no parentheses showing that my account was in the negative at any given time. Anytime your account is in the negative, it will have parentheses around that item. So either way this is deceptive practices.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made a transaction through PayPal to pay for services for a vendor event. I paid this organizer in hopes to hold my spot for this event, however after investigating the person I was told to send the money to it became apparent that it was a scam as I contacted the location in which the event was to be held and they had no idea of such an event even happening. I attempted to contact the person who initially gave me the information and she reported that the name of the person I sent my money to was the " XXXX XXXX '' after a quick XXXX search I find out that this is a common scam with the same email address that is connected to someone over seas. XXXX maybe?? Not sure. But I confronted this person and told them I wanted my money back because she was a scam. I did not get any further response from them again. Unfortunately when contacting PayPal regarding this issue, they are not able to refund my money because it was sent through " friends and family '' and not as merchant goods. The amount that I was charged was {$63.00}. I went through my bank to attempt to get my money but they were only able to issue a temporary refund until further investigation ... which they are closing it as they don't do business with 3rd party transactions.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I never had this insurance with XXXX XXXX. I initially requested a quote for a home purchase but the deal was cancelled and I never opened the policy as there was no need. I told this CCS company that I spoke to XXXX XXXX and they have no idea why this company is contacting me, in fact I currently have an auto policy with them in good standing. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.
Product: Debt collection

XXXX XXXX XXXX  is original creditor - *Debt is collection agency AWA Collections - Total Charge for services {$410.00} XX/XX/XXXX - {$180.00} - PAID ( at time of service ) XX/XX/XXXX - {$57.00} - PAID ( Insurance paid ) XX/XX/XXXX - {$190.00} - PAID ( insurance paid ) I sent in a written dispute in XXXX when first placed on my credit. The company reviewed and removed the collection. This was recently placed on my credit AGAIN. I disputed a second time. They refused to review or remove. On XX/XX/XXXX The agent asked me to send in proof and it would be reviewed. After faxing over proof on XX/XX/XXXX I spoke with AWA and they told me the docs were the same and still owe {$220.00}. 

I have also attempted to dispute with credit bureaus. XXXX  removed. XXXX  and XXXX  keep giving me the run around.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX I purchased 3 comic books in 3 separate transactions through paypal/XXXX. One purchase was {$500.00} XXXX XXXX XXXX comic book XXXX graded at 2.0 and paypal charged me a fee of {$14.00}. the 2nd transaction was for {$200.00} XXXX XXXX XXXX XXXX graded 9.0 and paypal charged me a fee of {$6.00}. 3rd purchase is for {$200.00} XXXX XXXX XXXX XXXX graded in 9.4 and paypal charge me a fee {$6.00}. In all 3 separate purchases totaling {$920.00}. I filed a dispute with Paypal since the seller has cut off all contact with me. I have tried reaching the seller by phone and through messages and haven't heard anything. My comic books should have shipped by now. I'm requesting paypal refund me my {$920.00} since I haven't gotten what I paid for.
Product: Debt collection

I never received my statements after certain time thought the debt was paid last year since I would usually get my bill every month .
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting to XXXX XXXX. This bank is no longer a company. There is no way to reach this bank and when I asked for validation of debt it wasent provided by XXXX XXXX, yet it came back verified and they failed to remove this account. XXXX XXXX is a XXXX party company so my question is how and who verified this information. Below I copied and paste the information that was given to me by XXXX XXXX. I also have some inquires thats reporting to XXXXXXXX XXXX thats not valid. Everything is copy and pasted below. 

Source of Information : SUNTRUST BANK ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : Telephone Number Not Available Reported For : OVERDRAFTS ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX Date of Closure : XX/XX/XXXXXXXX XXXX # : XXXX XXXX Original Charge Off Amount : {$360.00} Core Sat XXXX XXXX XXXX XXXX XXXX thats also being reported are attached below Inquires : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I hope this letter finds you well. I am writing to formally request the immediate removal of a collection account from my credit reports. The collection account in question is associated with XXXX XXXX, with the original creditor listed as XXXX  and the account number is [ Account Number ]. The details of the account on each credit bureau report are as follows : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I understand that this collection account is impacting my credit profile negatively. However, I believe there are grounds for its removal based on the following points : Inaccurate Reporting : The collection account is incorrectly reported as opened on XX/XX/2023 by TransUnion and XX/XX/2023 by XXXX and XXXX. These dates do not accurately reflect the true history of the account. 

Validation of Debt : I have not been provided with sufficient information to validate the debt associated with this collection. As a responsible consumer, I have the right to request and receive proper validation of the debt. 

Lack of Payment History : There is no accurate payment history provided for this account, making it difficult to assess its accuracy and validity. 

Recent Activity : The account has been reported as " Last Active '' on XX/XX/2023 by TransUnion, XX/XX/2023 by XXXX, and XX/XX/2023 by XXXX. However, I dispute this information as it does not reflect any recent activity on my part. 

I kindly request that you thoroughly investigate this matter and, if the information can not be validated, I request that you remove the collection account from all three credit bureau reports : TransUnion, XXXX, and XXXX. I believe it is in the best interest of all parties involved to resolve this matter promptly. 

Please provide written confirmation of the removal once it has been completed. I appreciate your attention to this matter and your assistance in resolving this discrepancy. 

Thank you for your prompt action in this regard. 

Sincerely,
Product: Mortgage

XXXX XXXX, XXXX Department for PennyMAc received our request to change the occupancy ( a form in the paperwork ) from residential in order for us to purchase another home ( better security area, more convenient to work location, etc. ). 
XXXX XXXX spoke with me for 15 minutes. I am an XXXX XXXX with a XXXX XXXX XXXX. She asked me to verify XXXX, XXXX and address. She asked me if renting, what would I rent our current home for since our current mortgage is {$1400.00} ( we pay more than minimum each month ). The current home has pool table, large rooms, in close proximity to large naval base/airport, etc. ). XXXX XXXX never XXXX for documentation to show we have over {$31000.00} in a savings account for emergencies. She did not ask for documentation showing $ $ $ in our XXXX, nor documentation showing $ $ $ in a XXXX, nor asked if we had mortgage insurance with PennyMac as beneficiary in case we died ( to protect their interest ). XXXX XXXX of the Research Department determined that we, XXXX Americans, do not need to purchase an investment property and said " we must sell our current home '' as the only option available to us. Her letter did not state any other options, did not provide a PennyMac phone number to escalate or request an appeal. XXXX XXXX of the XXXX Department failed to accurately review ALL pages of the VA Mortgage documents and violated veteran 's rights to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX XXXX devastated XXXX, my mortgage company XXXX XXXXXXXX XXXX XXXX  offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by XXXX XXXX XXXX XXXX that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my FICO score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards
Product: Credit card or prepaid card

On XX/XX/XXXX I entered into Payment Cure Plan with XXXX  XXXX XXXX online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of diaputes, 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 filled to investigate my claims adequately. They inform me that recovering lost funds was impossible and that tracking these Transactions was unfeasible. The CFPBs Findings indicate that Zelle has not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # 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.