23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

WF Case No. XXXX, assigned account representative : XXXX XXXX, XXXX. 
XX/XX/XXXX - reported issue with registering card online. Told to schedule appt. w/local branch and they could fix. 
XXXX wk - called to make appt. & told didn't need to they could fix over phone. Was on phone 1 hour 10 min. before 5 person transferred to said I had to go to branch. I called the local number and made appt. for Saturday, XX/XX/XXXX @ XXXX XXXX. 
?? - received call from " XXXX '' who said she was assigned and would have resolved by XX/XX/XXXX. She was only addressing the fraudulent accounts they say were closed in XXXX  but were open enough that my name and SSN were still associated with it and allowed them to put my credit card under that profile. 
XX/XX/XXXX - met XXXX XXXX XXXX With her for 2 hours ; she was transferred 7 times; told her Manager needed to call. 
XX/XX/XXXX - XXXX and XXXX, XXXX XXXX XXXX called and were unable to get resolved. They filed " Escalated Complaint. ''?? - received calls from several different individuals, all saying they were now assigned, not acknowledging any knowledge of anyone else being involved, and each giving me new resolution dates. Started with XXXX, then went to XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. 
XXXX - met w/XXXX  ( XXXX. XXXX. ) at XXXX branch for 1 & 1/2 hrs. She just apologized and said there isn't anything they can do and I should call the toll free Customer Support number. I asked her to get Legal on the phone, she said she couldn't, and I told her I wasn't leaving until she got someone on the phone. After she searched for about 20 min. she offered me a post-it-note with the phone number for the Executive Office/Escalation Dept . and said to call them. I refused her offer and asked her to call them and see how far she got. She finally did and after being transferred several times, got the name XXXX XXXX and his email address and told me he was handling it and I would hear from him. 
XXXX- received a call from " XXXX '' - said he was the highest ranking individual I could speak with and he would have it resolved by XX/XX/XXXX. 
XXXX - after call from XXXX I received call from " XXXX '' who had said it would be resolved by XXXX. She reported the fraudulent accts were closed and I would get a letter. She said XXXX was with the credit card department and he would be handling that. 
XX/XX/XXXX - I called to see if it had been resolved. They said they don't know who " XXXX '' is but XXXX is my account rep and he had been unable to resolve the issue and needed an extension to continue working on it and the new " resolution date '' is XX/XX/XXXX. 

I have a payment due XX/XX/XXXX and am afraid to make it. Where will it get credited to? I can't confirm that because I can't see anything about that account online. 

I would take out another credit card with 0 % interest and transfer from the WF card but I can't even do that because I can't access the card.
Product: Checking or savings account

Received post card on Monday, XX/XX/2018 advising of a NSF fee charge of {$38.00} on XX/XX/2018 for payment of check number XXXX for {$50.00} with a balance of {$44.00}, see attached image. 

I have reviewed my account online. When the check cleared the balance was {$210.00}, see attached image.
Product: Checking or savings account

On XX/XX/2023, there was an unauthorized transaction on my online bill pay section of my checking account with the amount of {$17.00} in the processing and scheduled to pay to XXXX XXXX XXXX on XX/XX/2023. I never owe any money from XXXX XXXX XXXX. On the same day morning XX/XX/2023, I came to Bank of America in XXXX XXXX, California to notify the bank of America about the unauthorized transaction and request to refund. Bank of America refused to resolve the issue. I immediately called Bank of America Customer Service on the same day to report the unauthorized transaction and request refund. Bank of America Customer Service refused to to resolve the issue. 
Today XX/XX/2023, the unauthorize transaction in the amount of {$17.00} pay to XXXX XXXX XXXX was posted on my checking account. I contacted Bank of America Customer Service to report the unauthorized transaction and request refund. Bank of America still refused to to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following item have not been properly investigated and I have requested numerous times for validation of these items : 1. XXXX XXXX - This item was paid in full by the insurance company during an accident.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX Originator on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Product: Student loan

I was approved for the income based repayment plan XX/XX/XXXX. Great Lakes continued to bill me at a standard repayment rate. I called each time to tell them it was wrong which they ignored. They eventually told me I had to reapply to the income based repayment. I did what they said and was approved, again, XX/XX/XXXX. However, they continued to charge my accounts interest from XX/XX/XXXX through the present even though they continued to have my payments wrong preventing me from making a payment without the risk of accepting what they were doing. On XX/XX/XXXX, I spoke to Great Lakes again, and they deny that I was accepted and refuse to correct the interest they charged me which is now over {$10000.00}.
Product: Checking or savings account

My XXXX deposit of {$1200.00} was received by US Bank on XX/XX/XXXX from the US Treasury. I have attached the letter confirming the deposit from the US Treasury. The funds were not showing as a deposit until XX/XX/XXXX by US Bank. I was told by US Bank on XX/XX/XXXX that my account was CLOSED and therefore the funds would not be deposited to a CLOSED account. At that time on XX/XX/XXXX, I called Social Security to change my direct deposits to go to another account outside of US Bank since the account showed a CLOSED status. Social Security confirmed that due to the deposit going to a CLOSED account, the {$1200.00} would bounce back to the US Treasury, and after the US Treasury received the funds back from US Bank, the XXXX Treasury would reissue the {$1200.00} to my new direct deposit account. 
I have made over 6 attempts to get my {$1200.00} from US Bank, where each and every time, I have been told, Theres nothing we can do until you receive a cashiers check from Minnesota due to the closure of your account. The cashiers check is in the mail and you just have to wait for the mail to come. I have been to the bank as well as called the bank to let them know that there has not been any checks in my mail! I continue to get the response Theres nothing we can do to give you your money! 
I can not wait any longer! I have bills and rent to pay and I depend on my XXXX to pay them every month. I am XXXX and that is my livelihood. Please help me and ask US Bank to give me my money and stop patronizing me by saying The check is in the mail! I received 3 different dates as to when US Bank in Minnesota issued and mailed the check last week. 
Are banks allowed to hold Social Security funds the way they are after closing an account on a consumer? Especially a XXXX consumer? 
I can not wait any longer due to the fact that I have received an eviction notice and my car payment is now late as well. 
Please help!
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. 
Please remove the following : - XXXX XXXX XX/XX/23 - Thank XXXX XXXX
Product: Debt collection

Yes I had a roommate and she didn't pay her have of the rent I did and when I moved out she still said and ran up the rent and that not fair this is the 2nd time I'm doing this.
Product: Debt collection

I have filed BK it got discharged XX/XX/2017 I contacted Navient to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, equifax and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.
Product: Debt collection

Debt collector called my estranged father indicating I owed over XXXX dollars of debt. As my father did not speak XXXX a minor was put on the phone to translate that is where they provided debt collecting information as well. I called commenity capital bank
Product: Checking or savings account

Bank of America offered incentive offers for using XXXX on its mobile app but has not paid out the incentive after I have activated, qualified, and filed a complaint with the organization. This has happened twice to me, in XXXX and XXXX of XXXX. In the most recent case, on XX/XX/XXXX, I activated and qualified for a XXXX incentive offered through Bank of America 's mobile application. I never received payment of incentive which was due within 60 days. I spoke to a Bank of America representative on XX/XX/XXXX, who confirmed my qualification, provided the promo code, and said payout would be on XX/XX/XXXX. I spoke to another Bank Rep on XX/XX/XXXX ( XXXX, XXXX. XXXX, and XXXX XXXX, No, XXXX ) when payout was never received. This rep told me there was no evidence of the incentive on my account, and they could do nothing to help. I requested they file a complaint ( No. XXXX ) and an escalation ( No. XXXX ) on XX/XX/XXXX. I have not received a response as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account and remove the late date : XXXX/XXXX  XXXX
Product: Debt collection

I am not liable for this debt with LVNV Funding LLC. They will not, can not provide me with any type of original, authentic paperwork, application stating such.
Product: Mortgage

I am surviving spouse of 100 % permanently and totally XXXX XXXX who died from XXXX after 10 years. I quit my XXXX career to take care of him and our children during this time. I bought a home in 2021 and refinanced with IRRL from VA for XXXX interest rate. I was told by Freedom Mortgage for 1 year they would put COVID forbearance at the end of loan and I could resume previous payment when ready to come off. When the time came to end forbearance they said VA wouldn't let them which VA denied but said their was nothing they could do. Freedom Mortgage is charging me XXXX in fees for taking XXXX COVID forbearance which CARES Act states they can't do and during this time my property exemption went through and IRS sent me a check for XXXX from property taxes I had paid since I bought the home leaving XXXX for insurance. Freedom Mortgage wants me to pay that back too and refused to pay insurance so now the house isn't even insured. As a tax exempt property I don't have to have escrow with thousands of dollars sitting in it for taxes I don't even owe. They raised my mortgage from XXXX to XXXX and I only make XXXX a month of federally protected VA and SS benefits for my minor daughter and myself. I am currently working on getting license reinstated from the 10 years I stopped working to take care of my husband while he XXXX  from XXXX and our XXXX kids. I am searching for a company to do a forensic mortgage audit and a XXXX audit/report to track paperwork and follow any monies paid out throughout mortgage process. They all want XXXX upfront and am currently trying to get the money for that which CFPB states they aren't suppose to charge upfront fees but they all do. My XXXXXXXX XXXX renewal is on hold to learn everything I can about XXXX, consumer rights and foreclosure process. I know Freedom Mortgage is already pursued by CFPB for different violations. My mortgage should have decreased because of property exemption but doubled instead and ruined my credit so I may not even be able to rent an apartment not that I can even afford one now in XXXX, Texas with the sudden increase of people moving here. I was lied to and misled by about the forbearance and have literally lost all my hair from the stress of possibly being homeless and possibly not being able to get another XXXX  XXXX loan if this house is foreclosed on. I applied for Homeowners assistance Fund months ago but was denied because I missed the 5 day window they gave me in a missed email to update paperwork I had sent. They require a 30 day update every 30 days on all paperwork which wasn't disclosed in process of application so I didn't know. Funds have now run out as did the eligibility of XXXX allowing funds to be placed at back of loan like everyone else is still doing. I was not aware of that either when it ended. Any advice is greatly appreciated and thank you for your time.
Product: Credit reporting or other personal consumer reports

this account was charge off in XX/XX/, since then the account has been updated as a charge off every month. this is an update in the payment history. a charge off account should NOT include an active payment history. this inaccurate information Falsely manipulates the statute of limitations. failed investigation to this account properly and neglect has violated my rights. i am demanding a deletion of this account. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received an email from Wells Fargo stating that I missed a payment. That's not possible because I have autopay setup. 

My rebuttal to the company 's response to complaint, XXXX, is there is autopay was setup and they should have taken money out of my account on the due date to make the payment. 

The intention of using autopay is to set it up once and never have to worry about making a payment.
Product: Money transfer, virtual currency, or money service

For the past week I have tried repeatedly to " verify my identity '' with Coinbase so that I can use the funds I deposited in my Coinbase account. Even though they have already verified my identity once, they refuse to do so again, therefore my money is just sitting in my Coinbase account, and I ca n't use it. There is no phone number, email, or mailing address to get in touch with anyone from Coinbase to resolve this issue. I do n't know what else to do except to file a complaint.
Product: Debt collection

TD bankXXXX had an agreement to settle this account. I was late on the second payment and now tried to pay the bill and XXXX refused. Stating the account will be charged off XX/XX/25 automatically and this is what Im trying to prevent.
Product: Debt collection

PHOENIX FINANCIAL SERV AT XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ), ( XX/XX/XXXX ), I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding *Equifax*specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request theremoval of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. 
*Fraudulent Accounts to be Removed : * XXXX XXXX XX/XX/XXXX, {$13000.00} XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX, XXXX, {$2500.00}, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$350.00}, XXXX, {$120.00}, XXXX XXXX XXXX XXXX, {$1500.00}, XXXX XXXX BANK XXXX, {$360.00}, XXXX, {$2000.00}, XXXX XXXX - XXXX, $ XXXX accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to theCFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matters. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2018, I purchased chicken breast from XXXX Store in XXXX XXXX, Ohio, using my XXXX XXXX Card to charge {$6.00}. Upon opening the sealed package, I found the meat to be rotten underneath. I attempted to return it within a few days, but employee XXXX refused, stating that no refund could be made for an opened package. This policy is against the public interest, as the consumer can not see all sides of the product without opening the package. I asked for the store manager, but XXXX stonewalled and said that the manager was not in the building. I contacted the credit card company ( TDBank dba XXXX XXXX Card ) online to request a credit. TDBank refused, stating that it did not have the power to refund. This is a highly anti-consumer policy - and probably an outright lie. I contacted XXXX Guest Relations online multiple times, which repeatedly also refused to credit my account. It is a disgrace that a national bank conspires with its merchants to deny consumers any protection against defective and dangerous products. TDBank 's national license should be revoked. Both organizations should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my report from First Advantage Background Check on XX/XX/2018 because I'm a victim of ID theft. I was told that I would receive it in 7-10 business days. I was also given an order number XXXX. The report never came. 

I called again on XX/XX/2018 and gave the customer rep the order number. The she said that there was nothing in the system with that order number. I placed another request for my report, I was told that I would receive the report in 7-10 business days, I was also given a report ID XXXX. Again, nothing came after ten business days. 

The third time I called on XX/XX/2018 and gave the customer rep the report ID XXXX. The report ID was in the system and submitted anther request for another report to be sent out. I would receive in 7-10 business days. This time I also asked in case my report doesn't arrive, how can I submit my request in writing or fax. The customer rep either didn't understand or want to give me the information. It's over the ten business days and I still haven't received my consumer report.