23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have opened numerous complaints with Wells Fargo for the following : - The did not post a payment in a timely manner - Their IVR system indicates that you can pay off a balance over the phone but you can not - The IVR system leads one to believe that you can make several payments in the same day using e IVR but you can not. 
- I called in and asked for an local office and I was given a fax number - Called back and received a number to a Wells Fargo office where I was grilled by the male as to whether I had and account or not when I simple asked if there was physical office in XXXX Ohio - I filed a complaint and hey said they would be in touch via phone but they did not they sent a letter that I was PIF then another letter saying I was still owing money - I called to address my original complaint and asked to have a copy of what was submitted and I was advised that I had to get a court order for the complaint that I submitted! I was denied a copy of the complaint that I opened, does n't seem legal or transparent or right. 
- I filed a complaint about not getting my original complaint copy XXXX and asked for a copy of my loan ageement stating that the same interest daily rate would be charged even even if I was paid 'ahead ' as it sees that as the principle / balance goes down the amount of daily interest should go down as well. 
-Part of original complaint was that the IVR did not advise of fee for making a phone payment nor did he rep who attmepted to take a payment over the phone but the next time I tried making a phone ayment the systemd tried o chage me without prior notice. 
- Filed another complaint XXXX because in order to get to a person you have to excessively listen to the recording and press buttons to try to reach someone once into the IVR - Filed another complaint XXXX because XXXX the supervisor told me that manger calls calls are not recorded so In essence a manager can tell a customer anything then deny it later which seems inappropriate as the phone workers are all recorded why not the mangers calls? 
- Filed a complaint XXXX because not everything in my original complaint was address. Have no clue as to what the person wrote down, if anything else deceptive business practice. 
- Complaint XXXX for sending a letter stating PIF then confusing me by sending another letter stating it was not PIF ... especially since it was dated the very next day! No check and balance. 
At this time I am leaning toward seeking an XXXX advice ( for class action ) on the misleading static daily interest fee, a rep hanging up on me, not advising that MY complaint copy would not be given to me without court order, supervisor calls not being recorded but worker calls are recorded, mis-leading IVR information, mis-leading IVR payment fees, and be given false information regarding local office information.
Product: Debt collection

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts.Furthermore, i accordance with the Federal Rules of Civil Procedure ; Rule # 1.130, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX  Balance Owed : {$8600.00}
Product: Debt collection

Date of incident Open XX/XX/XXXX close XX/XX/XXXX someone opened up the account fraudulently in my name I've been trying to get it rectified I filed a police report I contacted the company they took it off my XXXX XXXX and experience but not my XXXX I contacted the company and disputed to no avail.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & TRANSUNION IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand XXXX, XXXX and transunion to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing. ( b ) Other Forms of Disclosure ( 1 ) In general. If authorized by a consumer, a consumer reporting agency may make the disclosures required under 609 [ 1681g ] ( A ) other than in writing; and ( B ) in such form as may be ( i ) specified by the consumer in accordance with paragraph ( 2 ) ; and ( ii ) available from the agency. ( 2 ) Form. A consumer may specify pursuant to paragraph ( 1 ) that disclosures under section 609 [ 1681g ] shall be made 58 611 - 15 U.S.C. 1681i ( A ) in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice ; ( B ) by telephone, if the consumer has made a written request for disclosure by telephone ; ( C ) by electronic means, if available from the agency ; or ( D ) by any other reasonable means that is available from the agency. ( c ) Trained personnel. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 609 [ 1681g ] of this title. ( d ) Persons accompanying consumer. The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumers file in such persons presence. ( e ) Limitation of liability. Except as provided in sections 616 and 617 [ 1681n and 1681o ] of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 609, 610, or 615 [ 1681g, 1681h, or 1681m ] of this title or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report, except as to false information furnished with malice or willful intent to injure such consumer. 

The following address XXXX XXXX XXXX XXXX, XXXX Ga, XXXX is reporting inaccurately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Cash app has charged me for a transaction inaccurately and refuses to refund me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not verify account number on my TransUnion Credit report. 

XXXX XXXX {$4500.00} Account number XXXX
Product: Checking or savings account

As written in my Appeal letter to Citi. 
I made a purchase from a website called XXXX XXXX XXXX, upon receiving an email that my order was received, I realized there was something wrong. The Email was not from the original seller it was from XXXX. And, the charges through another site, XXXX. I immediately had trepidations and called Citi fraud dept. 

I was told to contact the seller to see if I could work it out with them. Following is what I wrote on XXXX XXXX, XXXX  - I made a purchase on line with what I believed to be XXXX XXXX site for some bedding. After the payment went through I received the attached email. The receipt showing your information. Paid through a financial entity named XXXX 

After checking your web site I saw that you sell women 's clothing, not bedding. I am hoping you can help me figure this out. I have started an investigation with my bank, but, wanted to see if you may have any information that could help me. ( copy email is attached ) They sent me a reply with shipping info. I went on the shipping site, but it did not have any information on any shipment. 
I called Citi again and they started a dispute. I received another shipping confirmation # Which they said it was on its way. I was watching the shipping site as it was giving me updated information. 
I received an email saying it was delivered XXXX XXXX, XXXX 
I did not nor have I ever received anything from XXXX or XXXX XXXX XXXX. 
I have a XXXX XXXX, which I checked. I did receive packages in and around XXXX XXXX, but not from them or the items I ordered from them. 
Upon searching this company. I found many others had been defrauded. 
I am very disappointed in citi for giving in to scam companies and allow them to take money from their customers in this way. 
Please reconsider letting a scam company receive money fraudulently.
Product: Credit reporting

Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( Experian, XXXX, and XXXX ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from Experian stating that they will not re-investigate the accounts due to already being investigated once and talking to Experian over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Product: Credit card

On XX/XX/2023, I went to the XXXX XXXX XXXX at XXXX XXXX in XXXX to pick up my prepaid mid-size SUV. When I got there, the place did not have any mid-size SUV. The booking reference number is XXXX and I prepaid {$440.00} USD with my Capital One Visa credit card. XXXX had committed to provide me with a mid-size SUV, but they did not provide the vehicle because there was none available. 

I was left to scramble and find another vehicle. I was able to take an XXXX from XXXX XXXX to XXXX XXXX XXXX where I was able to secure a mid-size SUV. 

After the trip, I open dispute case XXXX with Capital One to get a refund on my prepaid vehicle, but my dispute was denied because an employee at XXXX had change the record to say I was a " no show. '' I was not a " no show '' and definitely went to the location to pick up the vehicle. 

I have records that show I was in the vicinity and I needed a car. Please see the attached XXXX receipt from XXXX XXXX and my car rental agreement from XXXX XXXX XXXX. If I was in the vicinity and I needed a car, there is no reason for me to not show up, only to go get a more expensive vehicle at the airport. 

Capital One refuses to continue with the dispute unless I can provide a cancellation receipt. I do not have a cancellation receipt as I did not cancel. It is the car rental company that did not provide the service that they had promised.
Product: Mortgage

Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations.
Product: Credit card or prepaid card

I was a victim of credit card fraud where several charges were made on my account shortly after receiving a Citi bank custom cash card. From XX/XX/XXXX to XXXX. I contacted citi bank on XXXX yet still fraudulently transactions continued on my account I called citi bank fraud department immediately the following day to report the fraudulently transactions. They told me that the charges were marked as fraud and would be removed from my next billing statement. Citi bank issued me a new card yet the charges still appear on my account. So I called the citi bank fraud department again and got the exact response saying the fraudulently transactions are marked as fraud and are under investigation. This was in XXXX. I've repeatedly called Citi bank once a month 4 times in the past four billing cycles and they have given me the same response explaining that the charges are marked as fraud and under investigation. They have continously given me the run around and citi bank has not resolved the fraud case. I no longer have trust in using Citi credit accounts or banking with them in the future unless this issue is resolved. I would like to have the consumer financial protection bureau help assist in getting this fraudulently transactions removed from my credit card account.
Product: Money transfer, virtual currency, or money service

I have a cashapp account with the cashtag XXXX XXXX Ive been trying to transfer my funds from the account since XXXX which is XXXXXXXX XXXX i dont have access to the phone number connected on the account. I have contacted support several times to help me transfer my funds to current cashapp account. I been told due to security issues the attempts has all been unsuccessful this has been causing me to Miss bill payments for years now. Its very frustrating and this is my funds.
Product: Money transfer, virtual currency, or money service

I am filing an complain against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices Which violates the consumer financial protection act ( CFPA ) specifically cashapp Failed to take timely and effective measures to prevent and address fraud on their platforms leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution Requirements under the electronic fund transfer act ( EFTA ) and regulation E. These acts had caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Other financial service

I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX , US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , DEPTEDXXXX    XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.