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

I have a checking account with Wells Fargo XXXX bank. I had fraudulent unauthorized charges on XX/XX/XXXX. I immediately called and filed a dispute on XX/XX/XXXX and received a case number. There were three charges for {$340.00} for a flight, {$24.00} for a XXXX XXXX, and {$10.00} for food. I received confirmation that they credited my account and claim was closed on XX/XX/XXXX. Claim number # XXXX. Fast forward to XX/XX/XXXX, I receive an email that I submitted a claim for the same dispute ( which, I did not ) and never received any mail or email after that. Then on XX/XX/XXXX, I have a provisional credit reversal # XXXX for only the fraudulent flight charge of {$340.00} thus making my account go into negative and overdraft fees. I called on XX/XX/XXXX and the WF representative said they can only remove the overdraft charge. I asked her why this was done and how their investigation was conducted because that transaction was not me. I don't fly, I'm claustrophobic, and why three months later after this claim was already closed and she didn't provide an explanation. I asked her to send me letter of denial explanation which I never received and she did on XX/XX/XXXX. I called XXXX XXXX to see what they can do and the representative indeed said it was fraud but I have to dispute with my bank. I filed an appeal and have not received a response from Wells Fargo. Something is suspicious about the way they handled this claim. They investigated and closed claim but then 3 months later decide to take back the highest fraudulent charge.
Product: Debt collection

I contacted Holloway Credit Solutions to attempt to resolve any debt owed them for my daughter 's medical bills. I first spoke with the original creditor, XXXX When I contacted Holloway, I spoke with a lady that identified herself as XXXX XXXX. She continued to increase the amount of debt owed. We started at {$1100.00} and at the end of the conversation, she stated I owed over {$4500.00}. Her exact words were " you should take it out of your XXXX if you have XXXX '', in a very threatening manner. She also stated " we 'll keep reporting you to the credit agencies every week unless it 's paid in full ''.
Product: Credit card

I applied for an XXXX XXXX which advertised {$50.00} cashback after a {$200.00} purchase. I made a {$340.00} purchase soon after receiving my card and did not receive my {$50.00} cashback.
Product: Debt collection

On XX/XX/year>, this company XXXX. XXXX XXXX, noted that I owed {$160.00}, for an alleged account with XXXX XXXX XXXX. I then contacted them for a copy of any contract agreement with my signature and date on it. I advised the listed company that that I had no prior or present account with XXXX XXXX XXXX. They could not present any signed evidence, but still noted my credit report with the derogatory account and information. I have also contacted the XXXX credit bureaus to resolve this matter as well.
Product: Checking or savings account

Federal Regulation D limits electronic withdrawals/transfers from your savings account to 6 transactions per month. Due to COVID-19, the Federal Reserve Board temporarily suspended Regulation D on XX/XX/2020, so that people can bank electronically verses going to the bank. TD Bank is charging their customers {$9.00} per transaction if you go over the 6 electronic limit even though the government temporarily waived Reg D. We are in the middle of a pandemic! Their conduct is deplorable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to reinvestigate the accounts in question pursuant to consumer protection laws. 

I've sent several notices and an FTC affidavit ID theft regarding the accounts in questions. Those closed account supposed to be removed within 5 business days. That did not happen. 

I did not, and/or do not consent to XXXX procedure and Equifax never did a full reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I dont have the dates or the amounts all I know it was originally with Wells Fargo I purchased the mortgage back in 1998 however in my divorce my ex-wife asked for the house and the judge gave her six months to get the house out of my name it took her 16 years during the 16 years I dont know how many foreclosures that were listed how many late payments how many payments she missed etc. etc. and there was nothing I could do to get that house out of my name but they keep reporting it under my credit even though they know she was the one that was on the title it was taken out of my name but it still reporting on my credit because when she did get the house out of my name she got all the money for it all the escrow all the equity everything and she still resides at that address. And thats just the mortgage theres some other debts that was in my name that she never took care of that she was supposed to have done under the judges orders.
Product: Credit card or prepaid card

CapitalOne provided an extended warranty which at the time this complaint was filed is within the extended warranty period. The company also ask for particular documentations which I provided see attached. The company failed or refused to honor its extended warranty policy and disregard the documents submitted to substantiate the claim.The company known or should have known that once the company accepted the claim it was obligated to review and investigate the issues as the extended warranty is within the time frame of its policy. It was my understanding that the warranty period extends the dispute time frame and if not the extended warranty would cover issues such as this. I called Capitol One regarding filing a dispute against XXXX XXXX  XXXX {$3800.00} card number XX/XX/XXXX. The issue was a faulty ac unit the vendor installed that is faulty. The vendor has made several visits to repair or make corrections each time resulting in a service charge.The vendor last visit was XX/XX/XXXX. I filed a claim with Capital One and submitted all the documentation they request but my claim was denied stating I did not send in all the requested documentations when I did and it stated unfortunately, that time-frame has expired. If you want to dispute a charge in the future, please let us know within 60 days of receiving it. When I called Capitol One and made the complaint I let the representative know this charge was from XX/XX/XXXX. The representative stated it was not a problem I said thank you. When I received the letter of denial I was shocked. So I called and spoke with a representative on XX/XX/XXXX. She talked to a supervisor who explained XXXX XXXX would not accept the complaint because it was 500 and some odd days old.She said I supplied all the right information and the vendor has failed to respond. I wondered why Capitol One warranty or dispute claims did not accept and pay for the faulty ac.I do not think that is fair.I believe I am entitled to a refund.
Product: Mortgage

XXXX XXXX, XXXX XXXX and XXXX XXXX was working with Citi Bank to be approved for a Mortgage for a co-op to buy. Citi bank requested a lot of documents, and took us on over a 1 year process to just deny us the loan. XXXX XXXX requested the loan by herself, was denied, than added her son in law, with XXXX XXXX being on the deed. Everything was verified, we had to get paperwork notarized explaining the relationship between everyone, which should not matter. Eventually we were denied and approved by another mortgage company that only took use 3 months to approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued over and over to fix this problem I have with Equifax. This is still the worst of the three to deal with. Equifax continues to remove my good accounts in good standing but keeps the accounts that I have disputed on my report. They removed my new credit card that I have in good standing with XXXX XXXX   and I never asked them to dilute that account. Equifax is the worst company and this has caused my score to drop a few points. I asked for XXXX XXXX to be removed as well as XXXX XXXX XXXX XXXX  card to be removed and they still have not removed these accounts but only continue to ruin my credit and remove my new credit card accounts that I have in good standing.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I Contacted cashapp support in app request info to let me know if I reported a security vulnerability if I would receive a reward. Then the agent says I would Receive a reward as requested since I provided the reason for The reward after I submitted the report. THEN SOMEONE ELSE FROM CASHAPP TOLD ME OTHERSPWISE. I DESRVE TO RECEIVE A REWARD BECAUSE 1. THE SUPPORT AGENT MADE A POMISE THAT I WOULD RECEIVE A REWARD AND I HAVE CREDIBLE PROOF OF where the agent said so So I should be compensate for the report plus the misleading information the agent provided to me Cashapp has until a few days to send my reward in app as promise
Product: Checking or savings account

I applied for an account and was denied. The company refuses to provide with a NOAA explaining their reasoning for denial. At this point, I have no way of knowing why I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS has failed to provide me with any copies of any papers that show I agreed to pay what they say I owe, but I'll explain again. On XX/XX/XXXX and XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from ARS account solution and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any hospital to sell or to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is for validation of debt and HIPAA authorization. Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint..
Product: Checking or savings account

Bank of american has put a blacklist note out on my name. this was from 2016 since has been resolved but still has been preventing me from opening any accounts to establish myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the Credit Bureaus for over 30 days and I am yet to receive a response, these items are inaccurate and I demand to have the removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I recently reviewed my credit report and noticed inaccurate information still reporting on my credit report. I sent several letters to the credit bureau regarding the inaccurate information. They have yet to delete the items from my credit report. 
They are reporting open account but the account is closed and paid in full.
Product: Checking or savings account

They have been purposely letting my account go into overdraft and charging me for knowing the money is not in the account! Ive called on numerous occasions and complained about it and still nothing has been done. Every month my account goes negative for overdraft fees and has been going on for some time now! I cant get my account in good standing because they keep allowing overdraft charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX Bank from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX  still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has employees or representatives during a 3 month period poor customer service for pandemic relief. The credit bureaus and XXXX XXXX has blocked or locked from disputing errors and insensitivity of pandemic event. I need car and home. My score was around 700 and last week even with excessive emails and vain calls, my score was lowered 300 points of their malice, unfair reporting during global fatalities and pandemic. They are the only transaction on report of any kind. 
They denied for crisis relief assistance when had high score. They refuse to reply to appeal request for over a month. They came back with nonsense to not approve the loan. We have been members for around a decade. They even replied because not offer a counter offer, they I am not approved. They refused allot verbal or simply signed fax, after lockdown to resolve and balance this matter.
Product: Credit card

My Verizon visa credit card administered by synchrony bank shows my account past due even though the payment was made on the due date, midday via the credit card app. 
Instead of acknowledging the payment, the account indicates that it is pass due. I spoke with the synchrony bank customer service agent, XXXX, employee number XXXX. She informed me that the payment was pending in their system which causes the account to be listed as past due. I think this is an injustice for the customer. I made the payment on the due date. A payment that is considered past due accrues more interest and a late fee is assessed. 
The minimum amount due was {$68.00}. I paid {$250.00}, on the due date in the XXXX Including the late fee which has not yet been assessed, more interest is accruing because of the delay in the recognition of the payment.
Product: Checking or savings account

In the last year XXXX XXXX I deposit the two check to the regions bank, but they holding my check and lock my account, when I communicate the banker, they said the check not sure is good check or bad check, let me verify the check is clear, I dont know if they not sure the check is clear can call the that bank, but they told me bank cant communicate to the bank, so I get the statement approved the check is withdrawn is paid, but they said still not sure let me waiting, waiting one years didnt release my money just hold and lock my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 usc 1681 section 602 a states I have the right to privacy.

15 usc 1681 section 604 a also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally 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 ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Mortgage

I am.the mortgagee of a mortgage loan with Rocket Mortgage. 

Loan No. XXXX. The original loan was refinanced twice and the last refinance occurred in XXXX. 

A title search was performed to execute the sale of my home XX/XX/XXXX. It was discovered that the Settlement/Title company that completed both refinance closings on Rocket Mortgage 's behalf ( XXXX XXXX ) failed to record both of the refinance mortgages. 

The mobile notary used by XXXX XXXX altered documents that caused XXXX XXXX MN to reject the recording if those mortgages. My mortgage was never recorded. 

To proceed with the sale of my home, this will now require {$10000.00} of proceeds to be held in escrow to pay attorney fees and court costs to address the Notary alteration, and conplete sale of my home. The recording issue and alteration was fully the responsibility of XXXX. XXXX offered {$1000.00} in compensation and this was rejected. 

Complaint filed with Rocket Mortgage who has deferred this as an issue for XXXX to address. 

This complaint is being filed to ensure this is remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

unauthorized charge to bank account and my bank wont help. I informed them about a charge I didn't recognize or authorize it took them almost a week to get back to me only to say the merchant verifies the purchase, and they wouldn't tell me who merchant was.
Product: Credit card

On a weekly basis, I consume routinely both political and financial news. Typically, it keeps me informed on what is going on in the world, but rarely do I see any true connection or impact to my own life. Recently, I did have such a connection. I read that the Consumer Financial Protection Bureau was working to eliminate 'junk fees '. Shortly thereafter, I noticed that I had made an inadvertent lapse on an American Express Hilton credit card that I use for daily expenses. I normally pay the charges in full each month, but I had paid the XXXX charges on the statement date ( XX/XX/2023 ) and the XXXX charges after the next payment due date ( XXXX date : XX/XX/2023 ; Paid date : XX/XX/2023 ). Therefore, I carried a balance of {$47.00} between the months probably from pending charges that cleared. As such, American Express Hilton charged me a {$5.00} late fee, {$32.00} in interest, and confiscated the reward points ( valued $ XXXX ) for the month. I can understand the late fee and the interest as they are proportional and calculated based off the cards use and balance. But the rewards points confiscation is unlimited in its cost to the consumer. If I had spent more, then the confiscation of rewards points would have been as high as my spending, not my late payment. I have never known another credit card to charge XXXX % in a month based on credit card use. Even if legal, this activity should be discontinued through the Consumer Financial Protection Board or Congresses action in support of them. 

I sent this to my congressional representatives for future consideration as well. 

Thank you