23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I booked a stay on XXXX XXXX for the dates XX/XX/XXXX to XX/XX/XXXX. I wasn't able to get into the suite booked due to some garage key error and that's the only way to get in. My husband and I sat outside a one way narrow garage until someone could let us into the building. I reached out to the host regarding this and requested a new room with a new key. We got the new room and the new key and the same thing happened. We would left the condo sparingly because we knew it wouldn't work. On the second key the host become unresponsive. Frustrated with fighting with the building security to prove we brought a stay here with XXXX XXXX and not being able to have access to a condo we paid for we had to leave. I contacted my bank USAA to place a dispute but after providing proof of the booked stay and a cancellation notice I got a generic response that XXXX XXXX can't refund a cancellation. This was ridiculous, the cancellation ( I was told by the host ) needed to happen so we can change condos. I never not showed up and expected to get refunded, I showed up and literally didn't have access to a stay I paid for and paid for room change and didn't have access to either. I got royally XXXX  here. I've attached the proof sent to USAA. Also during the dispute XXXX XXXX sends me a message telling me I could get my account with them cancelled for trying to dispute ... retaliation much! I've used this company before and this was my first very big issue and deeply disturbing. The first amount paid from my account was {$370.00} on XX/XX/20 the second was {$79.00} on XX/XX/20. The on XX/XX/20 I get the automated response from my bank telling me my dispute was denied and it wasn't based on the reason provided. No one looked at this. This was absolutely unfair.
Product: Mortgage

Account # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX MD XXXX This new Complaint is a rebuttal to CFPB Complaint # XXXX. The lies Wells Fargo told, consistent with its corporate culture of fraud, lies and deception. 
With respect to Complaint # XXXX, I stated that Wells Fargo wrote and called me after it acquired this account from Wachovia. WF claimed that I owed them. i disputed it. During our discussion, I agreed to be making provisional payments while they researched my claim. I agreed to be paying to avoid them injuring my credit. They stopped collecting, hired a lawyer and threatened foreclosure. Did CFPB ask Wells Fargo why it stopped collecting payments and hired a lawyer? This is WF 's modus operandi in forcefully taking people 's property. They do n't mind paying lawyers and adding it to the loan balance to make it impossible for borrowers to pay the loan. Second, WF wrote me a Default Letter on XX/XX/XXXXthat I was owing {$8800.00} on the loan. On XX/XX/XXXX, WF wrote me a Default Letter that I was owing {$59000.00}, which their lawyers said the new balance is {$62000.00}, as of XX/XX/XXXX. You see how the loan went from {$8800.00}. A week before WF sent this response, their lawyers wrote me that they were proceeding with foreclosure without waiting for WF to resolve the Complaint or file its response with you. Now what did CFPB accomplish other than sending a ton of documents to make you think they are cooperating? I expected, and I 'm still expecting, CFPB to instruct WF to explain how the balance went from {$8800.00} to {$62000.00} and why it Wells Fargo stopped collecting payments, as agreed, and hired lawyers to begin foreclosure.
Product: Credit card or prepaid card

I work for XXXX XXXX  as a XXXX XXXX  for school children. I setup direct payment into my debit card account with Netspend. 

My last deposit was flagged by Netspend because it was booked as a refund they have placed a hold on my whole account. 

I can not access anything. I was told specifically I can not close my account, I can not access the funds not in question. 

Customer service hung up on me after an hour on the phone when I pushed to close my account
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

My checking account was breached and someone is trying to open up a credit card at Bank of America with my name and social security card. They also submitted a request for new ATM and Debit card on my sons account with my name on it. 
I got an alert that an inquiry was made by Bank of America but because I had recently put a freeze on my credit it was blocked by XXXX. We notified fraud department today.
Product: Debt collection

Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! XXXX
Product: Bank account or service

On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go. 

Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information. 
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report for my background check is missing my middle name as well as my social security number is wrong the last four digits aren't my social security numbers
Product: Checking or savings account

I received a Check for {$5600.00} from Iowa XXXX XXXX, on Thursday XX/XX/22. I went to Bank of America to deposit the check. A banker stated the funds will be available the next day. On Friday the XX/XX/22, I check my mobile bank app from Bank of America, and the funds was not in the account. The bank app stated it was on hold until XX/XX/22. I went to Bank of America thereafter to find out why the check was on hold and didn't clear. A banker by the name of XXXX XXXX, he said it was an unusual amount. I have been a Bank of America customer for over 2 years. I don't understand why my funds have to be put on hold for this length of time.
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 Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries 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: Credit card

Subject : Difficulty Setting Up Automatic Payments in the Bank of America XXXX I am writing to express my frustration with the process of setting up automatic payments in the Bank of America XXXX app. When I tried to switch my payment to a recurring monthly option and selected " statement balance '' or " full statement balance, '' the app defaulted to a one-time payment without allowing me to set it to monthly. 

This issue not only makes the process unnecessarily complicated but also appears to be designed to incur late fees, which is concerning. I strongly urge you to address this issue and consider the user experience improvements seen in other banking apps like XXXX. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Product: Money transfer, virtual currency, or money service

The following complaint relates to Wells Fargo who are a " partner '' for XXXX XXXX XXXX and facilitate their foreign currency transactions as XXXXXXXX XXXX XXXX 

In XX/XX/2021 as a customer of XXXX XXXX XXXX I converted $ XXXX into $ XXXX USD which was later transmitted as a wire transfer to a customer at XXXX XXXX XXXXXXXX XXXX with Wells Fargo being the " intermediary '' on behalf XXXX XXXX XXXX XXXX XXXX 

Details of the transaction as follows : XXXX XXXX - XXXXXXXX XXXX  File ID - XXXX Receiving Bank Routing Number - XXXX Receiving Bank Account Number - XXXX Individual Name - XXXX XXXX Effective Date - XXXX XX/XX/2021 Bank Transaction ID - XXXX The transaction was discovered to be a sophisticated fraud and at point of discovery the following occurred immediately : I contacted the FBI Cyber Fraud Team XXXX Police Fraud Department provided a crime reference number I attempted to call the beneficiary Bank ( XXXX XXXX ) who confirmed they could only place a fraud freeze on the account at the request of the sending institution. 

I contacted XXXX XXXX XXXX and they made a formal request to Wells Fargo via the XXXX messaging system for them to contact XXXX XXXX  to secure the funds due to fraud until such time as the matter could be investigated. 

Due to Wells Fargo failing to act the funds were distributed/lost to the fraudsters. 

The XXXX XXXXXXXX XXXX  XXXX has completed a full in-depth investigation into XXXXXXXX XXXX actions during the incident ( as XXXX  comes under the XXXX XXXX XXXX ) and they have provided proof that XXXX  contacted Wells Fargo using the secure XXXX  messaging service requesting a recall/freeze of the funds in a timely manner and they had fulfilled their responsibilities. 

What is clear from the investigation to date is that Wells Fargo FAILED to act on these messages from XXXX  for MULTIPLE MONTHS therefore failing to secure/freeze the funds until such time as the Police Investigation could be completed. 

On this basis I hold Wells Fargo directly responsible for the losses for failing to act on the secure messages sent via the XXXX  message system in a timely manner to limit my losses. 

Please note all evidence including a detailed final response letter from the XXXXXXXX XXXX XXXX XXXX AND all proof of the XXXX messages sent from XXXX  to Wells Fargo and their responses have been attached for full visibility. 

I have attempted to raise my complaint with Wells Fargo directly and I quote " We can't take a complaint from you as you are not a direct customer '' My complaint was originally raised with the FDIC ( Ref. No. : XXXX ) and they have advised that I need to raise it with yourselves directly as you are the appropriate agency for Wells Fargo.
Product: Checking or savings account

After opening a value checking account ending in XXXX from East West bank on XX/XX/24, my needs changed & I attempted to close account unfunded on XX/XX/24. The bank however refused, which leads to obvious motivation to charge monthly {$4.00} fee. I demand account closed effective immediately.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Chime banking. The man identified himself as a fraud specialist " XXXX ''. He called from the Chime phone number as confirmed on the back of my debit card and on the Chime information site ( XXXX ). Agent XXXX asked if I was aware of a XXXX XXXX requesting {$5000.00} from a pay anyone function, and multiple charges to XXXX in XXXX Florida which have since been recovered. 
XXXX XXXX asked me to read him some texts he sent so he could refund the disputed {$5000.00} which I did. The transaction reads on my bank statement : " Pay Anyone transfer For : Refund XXXX XXXX for {$5000.00} ''. 
I have entered into dispute on XX/XX/XXXX with Chime bank over this transaction because it was not initiated by me or authorized by me. The only part I had in the situation was when I was presumably assisting in the reversal and refund of the {$5000.00} with the impersonating agent XXXX. I have sent all correspondence and explanations, along with a police report to the Chime fraud department only to be denied. The reason they gave me for denial was because it is clear I authorized the transaction. I have disputed the decision 3 or 4 times now, offering as much detail as I can remember or provide each time. I have spoken to multiple agents, and today XX/XX/XXXX is the first time I received any explanation at all as to their decision.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I bought a Nissan Truck in XX/XX/XXXX and Made on time payments for close to a year. I changed my due date around XX/XX/XXXX and proceeded to change my Auto Pay as well. However, something went wrong and it didnt go through on the website. I ended up missing payments for a couple months and was NOT notified by Nissan Motor Finance Company ( NMAC ). I never got any emails, texts, mail, or any else regarding this issue. The first time I noticed my Auto Pay didnt go through was when XXXX notified that my credit score had plummeted. I immediately paid off my debt and have not missed a payment since. This is most frustrating because I have not missed a payment on any account my entire life. If anyone could offer any assistance into this issue it would be greatly appreciated. Thank you.
Product: Vehicle loan or lease

Hello, I am being called 4+ times a day until my car payment is made with XXXX XXXX XXXX. It is due on the XXXX and I am called 4+ times every day until the XXXX when I can pay the bill. I am also occurring interest every month from the XXXX to the XXXX and because Ive moved my payment date twice, they will not allow me to move the date again. Ive had the loan for almost 5 years and it has only been paid about XXXX XXXX  due to this interest Im getting added on every month. 

The calls are the most frustrating part. I also requested to not be called during the XXXX and they are still calling multiple times a day, at all hours of the day.
Product: Money transfer, virtual currency, or money service

Coinbase Support XXXX - Error on APP. I opened a case with Coinbase and did not get any helpful response or help with my issues. 
I wanted to buy only {$150.00} on Coinbase for a coin. I log into app and make purchase. When I hit buy/purchase, the app showed a network connection error screen with widgets. I thought the transaction was not completed as I did not get a confirmation on the app or see any coin in my wallet. I tried to buy again same error. So, I tried 6 times total and error every time. Later I checked my email and see I bought the coin 6 times for {$150.00}. I reached out to Coinbase and tried to get the transaction reversed. They said they could not do that. Coinbase also told me I could sell the coins and try to recovery my money. I was charged {$2.00} fee per transaction to buy. Now they want to charge me $ XXXX fee to sell. In addition I had was also hit with overdraw fees on m y checking account and had to move money to cover. The money from Coinbase takes 3 days to return to my bank account unless I pay a higher fee to move the money back. Coinbase was very unresponsive and kept offer ing generic canned responses.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date the only response that I have received was a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 


XXXX ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION. 



XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago I filed a complaint about fraud for two credit cards, one with XXXX bank and the other with apple/goldman sachs and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through goldman sachs. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX Bank
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form