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

My XXXX XXXX ( Comerica Bank ) card was debited for {$900.00} twice on XXXX-19. Both charges were paid to XXXX XXXX in South Carolina. I live in Michigan and did not make or authorize my card for these transactions and have never had a XXXX account or used my card in South Carolina. My card was still with me in Michigan when this fraud occurred. When I tried to report this fraud at the phone number on the back of the card I was only able to reach a recording telling me to try again later! It took dozens of calls and several hours to finally be able to get through to have the card cancelled. I reported the two fraudulent amounts totaling {$1800.00} but only received one temporary credit to my account for {$900.00} on XXXX-19. However, that temporary credit was reversed on XXXX-19 at about XXXX hours without any notice or explanation and just before the next direct deposit to my account on XXXX-19. XXXX XXXX did return {$890.00} on XXXX-19. I was also charged a fee of {$1.00} for transferring the balance of my account on XXXX-19 to prevent any further fraud when I was unable to contact XXXX XXXX to cancel the card. They also charged me {$15.00} to expedite the replacement card even though I told them on the phone I would not pay for expedited shipping! It has been 35 days since the fraud was reported and XXXX XXXX still has not given me back the {$930.00} in fraudulent charges plus fees they still owe me. It is almost impossible to communicate with them because they do not return calls or emails! The Federal Government should cancel the contract they have with this company and prosecute them to the full extent of the law for violating Federal laws. They are taking advantage of Veterans, XXXX and elderly clients who can least afford this grief and aggravation. To abuse the most vulnerable in our society in this way is a disgrace and morally reprehensible.
Product: Prepaid card

I bought 5 " NETSPEND '' Visa cards at XXXX in XXXX XXXX AZ to send to my grandkids and daughter for XXXX. 
After purchasing them and opening the packets the instructions looked complicated for a XXXX and XXXX XXXX XXXX. Thus, I tried to get them authorized, first online and then with multiple phone calls. The first took 30-45 min and several calls. They wanted my SS # which I did not think was necessary. After several minutes I found out if one were to use them at stores the SS # was not needed. This was difficult info to get from the reps who spoke poor English. 
It took approx. 3 hours to get these cards all authorized. I decided to spend them at XXXX where I'd gotten cards before. NONE OF THEM WORKED! LATER THE DAY I WAS ABLE TO USE ABOUT {$80.00} at a Resturant, but only 2 cards worked.I later called to get a refund but couldn't access that function on the phone menu. Disgusted, I quit. I spent about {$190.00} on the and was only able to use about {$80.00}. I think these are a scam. XXXX refused to give me a refund. the companies issuing these were " XXXX XXXX XXXX, licensed from Visa USA , Inc ( 4 cards ) and XXXX, also licensed from VISA,
Product: Credit card or prepaid card

THE HOME DEPOT/CBNA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX - Past due report - {$83.00} {$2500.00} Open balance {$5000.00} Credit limit Problem- CitiBank continues to charge me for this card even though Home Depot has asked me not to pay until the dispute has been resolved. Home Depot Case ID : XXXX Dispute Amount : {$2500.00} Date Submitted : XXXX This card is in dispute pending when the XXXX  I purchased from Home Depot functions as intended and passes county inspection which it has failed. I only made one payment before Home Depot asked me to stop making payments until this matter was resolved. 

On XX/XX/2022, I ordered a XXXX  from Home Depot for {$6500.00} and XXXX installed it. I paid {$4000.00} in a debit card and charged {$2500.00} to a Home Depot credit card issued by CitiBank. Shortly after installation, I noticed that the system was not cooling. I called XXXX and was told to give it a few days. On the XXXX of XXXX, I sent an email after several calls notifying them of the system 's failure to cool. They sent out a representative, but the issue was not fixed, I called again on the XXXX and then sent an email. In the email, I asked that they remove the system from my property, and they sent a technician instead to work on the system. XX/XX/XXXX, I filed a complaint with the XXXX, the company was notified and agreed to fix the problem. XXXXXXXX XXXX XXXXXXXX continue to blame the XXXX  and send out technicians even though the system was not cooling. XXXX, XXXX admitted to installing the wrong size system which according to them should have been a XXXXXXXX XXXX instead of a XXXXXXXX XXXX 
XXXX finally re-installed a new XXXX XXXX  to fit the size of the home, but the system was still not cooling as intended. During installation, the technician mentioned that the pipe had not been properly installed. They changed the air blower too because of airleaks which had caused my electricity bill to more than doubled in cost. 
Last month, they changed the system again to a XXXX XXXX and failed an inspection from the county. 
Here is a list of the issues pending to pass XXXXhe county inspection - Need to reseal supply plenum and check coil panel, can feel air leaking into garage. XXXX [ ] Equipment size increased from XXXX ton to XXXX ton, need to provide manuaXXXX XXXX XXXX calculations, XXXX XXXX equipment selection, and XXXX XXXX  duct sizing. XXXX, XXXX [ ] Garage does not meet requirement as unconfined space for XXXXXXXX XXXX. Need to provide combustion air from exterior. XXXX [ ] Need to verify furnace air flow meets minimum per manuf. instructions, see page XXXX. XXXX. 

I will like CitiBank to connect with Home Depot and stop charging me on this card. The installation of a faulty XXXX  has not only increased my electricity bill by double, but it has also caused me sleepless nights and health concerns. 

Thank you!
Product: Debt collection

XXXX XXXX has attempted to collect a medical debt, which I dispute, and has not responded to my written request for verification in over 30 days. 

On XX/XX/year>, I sent XXXX XXXX a written request for validation of this debt, including physical verification and reliable evidence proving the authenticity, accuracy, and validity of the debt they are attempting to collect. Despite this request, I have not received any response or proof of the debt within the 30-day period required by law.

Additionally, by attempting to collect this debt without verifying it, XXXX XXXX has violated my privacy rights under 15 U.S.C. 1681, which mandates accuracy, fairness, and privacy in credit reporting and debt collection practices. Moreover, they are potentially in violation of HIPAA by mishandling sensitive medical information related to this debt without proper authorization.

I am seeking CFPBs assistance in investigating this matter and taking appropriate action to ensure that XXXX XXXX complies with federal laws regarding consumer protection, debt collection practices, and privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 reporting or other personal consumer reports

To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX XXXX  ) concerning my interactions with Equifax, XXXX, and XXXX. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the 15-30 day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required XXXX day period. 
A directive to Equifax, XXXX, and XXXX to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and equitable credit reporting to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX XXXX  commitment to ensuring the practice of fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2017, I send Equifax a dispute letter to take off the current bankruptcy on my credit report. Equifax responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter on XX/XX/2017. After that Equifax again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.
Product: Debt collection

{$300.00} fraudulent collection was placed on my credit file by IQ Data International on behalf of XXXX XXXXXXXX XXXX I have an identity theft placed on my file for identity theft and XXXX XXXX disregarded any attempt to contact me at number XXXX before accepting any applications to verify that it was me that submitted application. I contacted IQ Data International and spoke with XXXX XXXX at XXXX ext XXXX to verify and dispute this fraudulent account and was told that date of birth on account does not match my date of birth, date of birth they have on file is XX/XX/year> and the phone number is not the same as on my credit report. This fraudulent collection resulted in my XXXX XXXX decreasing by XXXX points.
Product: Checking or savings account

Synchrony Bank automtically rolled over a 36 month certificate of deposit ( CD ) into a new CD without giving me the opportunity to tell them to cash it out instead. When, after 5 business days, the proceeds had not shown up in my cash account as I assumed they would, I called Synchrony and they explained that I had to called them a maximum 45 days in advance to instruct them how to respond to this CD maturing. Despite being an online bank, they provide no online means to request cashing out a CD at maturing. The only online response they provide is to specify the term of a new CD into which to roll over the maturing CD, and that term must be greater than zero. On the phone they told me that I could only cash out a maturing CD by phoning them. They told me that they sent me a notice to specify what I wanted to do with this CD before it maturied and that such notice was also contained in my last ( quarerly ) statement, neither of which is true. Since I was calling within the 10-day " grace '' period, they agreed to cancel the rollover and deposit the proceeds into the cash savings account that I also have with Synchrony. However, they refused to take my instructions to cash out another CD I have there when it matures XX/XX/XXXX because that is more that 45 days out. 

Synchrony Banks acts likes it cashing out a CD ( I'm retired and use these proceeds for living expenses ) is a special event for which they must grant an exception in their good graces instead of an entitlement to receive my savings after my savings contract has been completed. I never told them to rollover this CD nor did they ever ask for my permission to do so. The reasonable assumption of a customer is that when his CD 's term expires, he receives his cash to do with as he pleases be that to spend it or to invest in another CD ; it is his choice, not the bank 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXXXXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.
Product: Debt collection

This complaint involves a medical bill listed as a collections account on my credit report for which I had insurance coverage, both primary and secondary insurance companies. It is for services rendered on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, CA, from the provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bill is now with a debt collection agency, Grant & Weber, at XXXX XXXX XXXX XXXX, XXXXt XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX listed on my credit report with an account number XXXX, and a file opened XX/XX/XXXX. The agency is attempting to collect payment for this medical bill that neither the provider or agency will collect from the insurance carriers. The provider claims they never submitted it to XXXX and are unable to do so now. The agency claims I owe this debt and they continue to increase the amount. The provider claims it has no details on the original amount, but it appears it is far less than what the debt collection agency is submitting to the credit bureaus. The agency lists the amount due as {$4000.00} and lists an " original loan amount '' as {$3000.00}. Moreover, this is not a loan. This is a misrepresentation. Further, I have disputed the amount with the credit bureaus to no avail, as the agency continues to respond back to the bureaus that it is a verified debt after I have made several pleas to the provider and agency to cease reporting it as so as it is a medical bill covered by insurance. My XXXX XXXX XXXX XXXX is primary and XXXX XXXX is secondary. This collection account continues to bring my credit score down causing me a great deal of financial distress.
Product: Mortgage

We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.
Product: Checking or savings account

I called Bank of America as I noticed I was being charged a $ XXXX   monthly maintenance fee on my personal checking account. The customer service rep advised that the fee was correct based on the type of account I had. He then retracted his statement to say that he provided the wrong information in error as they were using a new tool called XXXX XXXX. He then stated that based on the product I have theres certain criteria and thresholds to help avoid fees. One of the criteria was to maintain at least a {$2000.00} average daily balance in my savings account. There was several months of which I met this criteria, however Ive continued to be accessed with this {$14.00} fee for several years. The customer service rep proceeded to advise me that since I was just notifying them of the error that there was nothing I could do to be refunded for the bank error. I asked to speak with a supervisor and the representative advised that the only option was to request a callback. After insisting that a callback was not acceptable, the customer service rep returned to the call and stated I had the option to wait on a supervisor but the industry has moved away from that option asa whole. I then spoke with a supervisor after being on the phone for approximately 1 hour. My conversation with XXXX XXXX ( supervisor )  lasted for another hour. She assured me that the bank doesnt make errors and that I had not met the criteria. I requested that she pull my monthly statements as I was currently looking at them on the BOA app and it showed I had met the criteria for multiple months. She then downloaded the statements to see that I was correct. She placed me on hold and returned to agree to waive 6 months worth of fees as I had met the criteria however she advised it was still my error as my accounts werent linked based on a solutions based option that would have been offered to me years ago. I asked when was this offered and she stated the bank doesnt keep any documentation beyond 7 years. She then proceeded to say that I must dispute any fee errors within 60 fats of the errror and that they would only go back 1 year. I asked since I have fees in error dating back for more than 1 year, what could I do for a solution? She advised they dont go over internal bank policy with the customer so there was nothing she could do further.
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 system, leaving users vulnerable to scams. This lack of adequate consumer protection and failure to address fraudulent activities is deeply troubling and undermines trust in the platform. I urge Zelle to take immediate and comprehensive action to rectify these shortcomings. This includes implementing more robust security measures, improving the dispute resolution process, and ensuring that all reported discrepancies are thoroughly investigated. Protecting consumers should be a top priority, and it is imperative that Zelle takes the necessary steps to safeguard its users from fraud and exploitation. Thank you for your attention to this matter. I look forward to your prompt response and to seeing meaningful changes that will enhance the security and reliability of the Zelle platform. 

Sincerely, Your guest
Product: Money transfer, virtual currency, or money service

I requested a withdrawal from my MoneyLion investment account on Tuesday, XX/XX/ for the total amount of {$480.00}. After waiting 5-7 business days, I checked my account only to see that it had been cancelled and not by me. A member of the team put in a ticket to resolve the issue and said I should receive a follow up email. After about a week, I called in to see what was happening. Another member put in a ticket and marked it as urgent and said that I would receive a follow up email. On XX/XX/XXXX, I wrote in to their chat to get an update. I was told that it was still under review and to send in a picture ID to further the review. I also asked to speak to a supervisor, which couldn't happen over chat. So, I was supposed to receive a call from one within 24-48 hours which has not happened. Today it is XX/XX/XXXX and I wrote in the chat to express my frustration. The issue is still under review and they can't release my money. They have no idea what caused the transaction to cancel and I don't know how much longer I will have to wait.