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

XXXX Bank did not credit these charges as discussed and most of them were unseen : {$250.00} on XX/XX/XXXX for USPS ; {$21.00} on XX/XX/XXXX for XXXX XXXX ; {$53.00} on XX/XX/XXXX for XXXX XXXX XXXX ; {$180.00} on XX/XX/XXXX for XXXX XXXX ; {$6.00}. on XX/XX/XXXX for Deposited item-this was credited-other placed stop not me ; {$57.00} on XX/XX/XXXX for XX/XX/XXXX ; {$350.00} on XX/XX/XXXX for XX/XX/XXXX ; {$180.00} on XX/XX/XXXX for XX/XX/XXXX; {$240.00} on XX/XX/XXXX for XXXX XXXX ; {$150.00} on XX/XX/XXXX for XXXX XXXX ; {$140.00} on XX/XX/XXXX for XXXX ; {$41.00} XXXX XX/XX/XXXX for XXXX XXXX ; {$320.00} on XX/XX/XXXX for XXXX ; {$100.00} XXXX XX/XX/XXXX for XXXX ; {$370.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$330.00} on XX/XX/XXXX for XXXX XXXX ; {$180.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$38.00} on XX/XX/XXXX for XX/XX/XXXX ; {$170.00} XXXX XX/XX/XXXX for XXXX ; {$40.00} XXXX XX/XX/XXXX for XXXX ; {$29.00} XXXX XX/XX/XXXX for XXXX ; {$590.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$240.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$20.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$160.00} XXXX XX/XX/XXXX for XXXX & XXXX ; {$120.00} on XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for XXXX ; {$14.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$57.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for USPS ; and {$41.00} on XX/XX/XXXX for XXXX XXXX Please mail XXXX XXXX me.
Product: Debt collection

asked them to validated the debt and for copy of contract and proof they can collect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( XXXX XXXX XXXX XXXX Experian ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. XXXX and Experian has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I payed XXXX XXXX credit card in the amount of {$2500.00} with the understanding that the account would be closed and all information would be corrected on my credit report. XXXX  MONTHS later its still saying active and past due.
Product: Checking or savings account

Good afternoon, whom it may concern. My name is XXXX XXXX. I filled a fraud report with Wells Fargo on the XXXX of XXXX. I applied for a personal loan with the loan company and the company ask me to provide my personal information which included my banking info on the loan application. I immediately called in when I realized it was fraud and provided them with all the information I had on this company. I have called literally everyday since this claim have been open to check the status. My account was $ XXXX I had a deposit from my job to hit. But the negative ate up the positive, which still giving me a negative balance of $ XXXX still. I have express to this bank on multi times that I do not have any funds available to me. I have two kids that I have to feed and gas to put in the car to travel to wrk. This company is the WORST. No one never help or show any type of empathy. Only because its not there money. My XXXX business day as they say will be Tuesday/Wednesday of next week. I also recently received a alert the fraud had bought a tv for {$1400.00} while this investigation is still open through XXXX that I had to stop and cancel the order that was placed in XXXX and I am in Georgia. Not understanding why WELLS FARGO did not see this happening. This has been a long frustrating two weeks not having any money and only to call a bank that NEVER have any information about your claim. I do understand that theres a protocol that should be taken place. But for this to happen all the way in California and Im in Georgia should state the facts that its FRAUD. Im emotionally and physically drained. I dont even have a {$1.00} to get by. I work in the medical field ( E.R ) so I have to be there for others but I can not do that if I do not have a way to work. I have called this morning the young man AGAIN had no empathy and just hold the phone into you hang up. I WILL NEVER REFER ANYONE TO THIS BANK. ONCE THIS INVESTIGATION IS OVER I WILL BE CLOSING MY ACCOUNT. Thank you so much for listening. I pray that you can help me.
Product: Debt collection

ar Sr : I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the __ _________________
Product: Credit reporting or other personal consumer reports

I have filed a dispute for a public record that is listed in my credit file. However, the courts do not provide any information to credit bureaus or the third-party service they utilize, XXXX XXXX, which does not have any public records listed within my records. 

Experian has declined to conduct a thorough investigation to remove the disputed record.
Product: Student loan

On XX/XX/19 I used the online service with Discover to repay the remaining balance of my personal student loan ( in the amount of just over {$4000.00} ). While repaying the loan, the website crashed so my wife and I worked with chat support to start the online payment over again. While doing that, the program again crashed yet again - and we decided to call and speak with a representative in person. That person walked us through the repayment and notified us of the exact amount that would be withdrawn from our bank account to repay the outstanding balance of the loan. 

On XX/XX/19 we saw that Discover had ordered repayment of the loan in triplicate - they withdrew over {$12000.00} dollars from our account in three separate payments. We immediately contacted our bank and Discover. The bank confirmed that Discover had withdrawn the funds three times.

I spoke directly with Discover representatives, who were able to determine that they had in fact made a mistake and requested the funds be withdrawn from our account three times. However, they informed me that they had a 3 day waiting period before I could even request a review of the payments. Additionally, a supervisor informed me that it would be up to 10 business days before a refund could be issued.

Due to their mistake, my bank account was over drafted and payment to another bill " bounced '' due to a lack of funds in my account. Additionally, this has occurred over a holiday ( the XXXX of XXXX ) and thus, the waiting period is being extended by additional days. 

On XX/XX/19 I again contacted Discover to express my frustration. They again informed me that they could see the mistake, however could not issue a refund of the nearly {$9000.00} that they mistakenly took from our account until a minimum of 5 business days.

I have spoken with supervisors and contacted my lending agency, without any recourse.
Product: Checking or savings account

Chase bank is not sending information to my  XXXX  account in a timely manner. I was notcified of this  XXXX / XXXX /  XXXX
Product: Student loan

I was sold a predatory loan at the University of XXXX in the XXXX XXXX via their bursary office and XXXX Bank in XXXX which then was bought by Wells Fargo ( specs avail ). I was never told that I would pay interest only first, also encouraged to pay the minimum payment ( see billing ), was told I could not refinance 8.5 % locked rate and that they would capitalize the interest during hardship! Moreover, minorities were given higher rates and the loan was sold to XXXX loan servicing so you could not refinance with them ( not a bank ; brilliant move by all parties involved ). I 've paid more than {$47000.00} for a {$30000.00} loan and still owe {$42000.00}! I was finally able to move the loan to XXXX years later which offered reasonable terms but still a high rate of interest. Many of us were taken advantage of by CU/Norwest/WellsFargo/Nelnet combo XXXX I have spoken with the FTC and they told me to take it up with the Dept of Education and Congress, they make the rules. No question universities and banks colluded to offer horrible terms in the XXXX XXXX to tens of thousands of people. XXXX said she would fight for us that were taken advantage of by Big Banks and she has done nothing. So let me get this straight, the US government bailed out wrecked banks, gave them money at 0 % to help consumers with bad loan terms and to boost the economy, yet it never trickled down to us that actually pay student loan debt ; in fact, you offered loan forgiveness to many except for those that actually pay their loans. I 'm working with a lawyer to put this whole University of XXXX, XXXX Wells Fargo XXXX story out there and how the CFPC has done absolutely nothing since my first complaint. I pay my debts and a reasonable rate and terms I 'm willing to do, but what happened to many in the late XXXX early XXXX is shameful ; the US government lends banks money for almost free and they turn around and crush citizens with horrible rates and terms. Why have n't you helped us? I 'm still paying a high rate of interest at 6 % ... The government should cram down rates for all high rate student loans and actually protect us from predatory bank practices that continue today. That would help the economy and not just the investor class.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited a check into my account via mobile deposit as I have before and the check was placed on a hold. I called XX/XX/XXXX to inquire about the hold and was met with arrogance. 

On XX/XX/XXXX I called back several times over a few hours trying to get them the grease the funds and and this is the time line XXXX was rude and still would not release the check She placed me on hold at XXXX and returned at XXXX She asked me why I needed my funds as if I needed a reason I was placed on hold again XXXX more times after asking to be transferred to the department that handles the check clearance XXXX was still connected to to call and spoke up while I was speaking to the new rep ( security department ) and then stated they were in violation of my right to privacy and she disconnected Security department transfer me to basic level rep how transfered me to XXXX after I stated I would be speaking with a a lawyer about breach of confidentiality. 

XXXX Next supervisor place on the at XXXXXXXX The call ended at XXXX New call started XXXX Transferred to management at XXXX XXXX supervisor same thing ( No release Hold at XXXX Back at XXXX Disconnected at XXXX Next supervisor XXXX Hold at XXXX Back XXXX Disconnect XXXX XXXX XXXX Hold XXXX She would not disclose a repf the hold per Regulation CC and stated she would be disconnecting the call because she didn't have a reason. 
Disconnected XXXX XXXX XXXX reading notes on account Hold. XXXX Back XXXX reading a lot of notes Hold XXXX XXXX Claim : XXXX Documenting regulations XXXX XXXX Hold XXXX Back XXXX False advertising lie stating mobile checks are not honored by XXXX XXXX Disconnect XXXX XXXX XXXX She can't give me a answer only a address to the president of the company Hold XXXX Back XXXX Disconnect XXXX Teja Deja XXXX Case # XXXX Hold XXXX Disconnect XXXX Throughout the whole situation, I was met with various different statements that my mobile deposit was not regulated. My mobile deposit was on hold for normal processing. My mobile deposit was unable to be processed due to my account status, and none of them were accurate or valid information given from the reps.

Not once that any of the reps say that the check was fraudulent or on any type of hold from a fraudulent condition. Throughout each call, I verified with them that they were required to provide a response on why my check was being held and I was still met with their localized availability. Several of the reps even suggested that they were not regulated to follow those regulations set by the regulation cc.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

To Whom It May Concern, This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. The following inquiries are not authorized : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax, XXXX, XXXX XXXX all of them keep telling me they cant take these unauthorized accounts and inquiries off my credit report I sent In police reports ftc reports and I even sent over documentation to prove that my identity was stolen and unauthorized Good and service was open without my consent to do so and they wont do any about it they told me they was going to investigate I havent her anything back or when I call them they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

I called several times so they can remove all OLD address, phone numbers names and nicknames on file! Some XXXX ERASED EVERTYTHING ON FILE INCLUDING MY CURRENT ADDRESS. I have called over 50 times and submitted all kinds of paperwork on line which that upload portal NEVER works, I even mailed in a copy of XXXX Government Identification cards as well as XXXX current bills which have my address. My credit report has NOT BEEN UPDATED SINCE XXXX. To this day I keep getting wrong information and that within 24 hours they are going to add my current address of XXXX XXXX XXXX XXXX, XXXX TX XXXX and fix it but i keep getting that same response over and over and nothi9ng gets updated. My credit report is still stuck in XXXX, I have told them that I can drive to XXXX, TX IN PERSON IF THIS DOES NOT GET RESOLVED. ITS LIKE IF I AM TALKING TO A FOREGN GOVERNMENT!!! How can I file a lawsuit against Experian?
Product: Prepaid card

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX, account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Product: Credit card or prepaid card

XX/XX/22 Charge from XXXX XXXX XXXX for {$300.00} on a card that had been blocked due to fraudulent activity. I had previously had Chase successfully dispute the initial portion of this charge as it is for an installment payment on an item I never received. I gave Chase this information multiple times over the phone and in writing. Chase first claimed they would handle it, then claimed they never received the dispute, and ultimately claimed that it was processed too late for them to do anything about it. I have submitted statements to chase after numerous phone calls. 

XXXX {$750.00} from XXXX I had chase successfully dispute {$310.00} of this and requested that they dispute and remove the {$450.00} balance as the vendor had not provided the insurance, restitution, or services included with their shipping plan. I sent Chase the receipts showing the damages that I incurred and offered to send them chat scripts and e-mail information. Chase never followed up or contacted me with regard to these items. Once again, after not properly handling the dispute or following up in the manner that they are required to and advertised, they closed it out and claimed that it was too late do anything. I made numerous phone calls to them. They didn't even promptly let me know they had closed the issue out.
Product: Credit card

I have been overcharged by XXXX XXXX the amount charged was XX/XX/year> purchase XXXX {$2500.00} XXXX  eligible But charge I authorized is Flight Price {$1200.00} Seat Assignment Fees {$100.00} Total Travel Cost {$1300.00} But {$100.00} was not to be charged as I had mileage account with XXXX and got one free baggage feach so total that need to pay is {$120000.00} Usbank has denied not getting whole picture. Yes I used ticket but overcharge fraud. Merchant didnt help. Usbank wont even call me to discuss. They have all the facts wrong.
Product: Credit card

I am writing to formally submit a new complaint regarding the fees associated with my account, as outlined in your recent online communication. Specifically, I am concerned about the cash advances that have accrued interest, with the most recent advance recorded on XX/XX/year>, for {$1200.00}, which I did not request, and which the bank statement records as a cash advance.

Despite making three full payments to my account since the last cash advance, I have been charged additional fees as follows : XX/XX/year> : {$56.00} XX/XX/year> : {$9.00} XX/XX/year> : {$0.00} ( see picture ). 
These fees are exorbitant and have significantly impacted my financial situation. I feel that I have been unfairly charged for costs that could have been avoided with better communication. 
To prevent similar situations for myself and other consumers in the future, I propose that institutions like yours implement a policy to immediately notify customers via email and/or text message whenever there are open or pending cash advances or purchases accruing interest. Such notifications should clearly state that payments are pending and that by addressing them promptly, customers can avoid additional costs. 
In conclusion, I believe I have been treated unfairly in this situation, and I am reaching out to the CFPB for assistance. I kindly request your intervention in reviewing my case and considering my proposed solution to enhance consumer protection. I am sick and tired of empty excuses for the charges or even the computation of the same. 
Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a confused consumer because I filed a dispute with the credit bureaus ( XXXX, XXXX, & Experian ) and these XXXX XXXX XXXX companies XXXX XXXX XXXX XXXX and XXXX XXXX Management because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.
Product: Credit card

dropped a check to pay XXXX of my citi bank credit card infull in the night deposit at there XXXX branch on XXXX accounts end in XXXX and XXXX got a call from the head teller who refused to process my payments and said he was mailing them back to me. branch manager refused to speak with me. even asked the head teller why he could not just mail them to citi bank since they were in the envelope provided with my monthly credit card statement and all he could say was it was illegal for him to process my payment in any way shape or form and he refused to transfer me to the manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach, I was flagged as being a victim.