23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, reported XXXX fraudulent checks ( {$1900.00} & {$2900.00} ) showing up on online credit card portal to US Bank Fraud Prevention line ( XXXX ). Representative started a case and provisional credit was issued for both checks and transaction fees ( {$94.00} & {$140.00} ). Old card was deactivated and new credit card issued. 

On XX/XX/XXXX, received mail notification that case was close and transactions were verified. I called the XXXX XXXX number on the notification ( XXXX ) and representative set up an appointment for an XXXX would call me within XXXX hours. I also requested additional documentation which would be mailed and I have not received yet. 

On XX/XX/XXXX, I received a follow up call from an XXXX ( XXXX ) and they let me know that the check for {$2900.00} made out to cash was verified because the signature on the check matched my signature. They also updated me that the other check for {$1900.00} was made out to an individual and is still under investigation. I asked where my signature was matched and requested additional information including check images and to continue to investigation. 

On XX/XX/XXXX, I received another call from the same XXXX ( XXXX ) who informed me that they escalated my case to a supervisor and shared that an ID would have needed to be presented at the bank branch to receive cash from the check. They reconfirmed that the decision of the case would still hold and the provisional credit would be remain reversed. I asked about identity theft next steps and the representative was unable to give me steps beyond filing a police report. I asked for additional information including where the check was cashed which the XXXX said would be provided in another follow up call either the same day or by the following Monday. 

I still have not received any documentation that informed the decision and the other check for {$1900.00} is still under investigation.
Product: Credit card or prepaid card

On XX/XX/2023, I was charged {$27.00} for XXXX XXXX Guest Visit. This was for the lounge access in XXXX. I brought three guests with me. When I when to check-in with the front desk staff, I asked if there would be additional charge if I brought in three guests and she said no, I could bring them all in without any charge. Had I known later on Chase and XXXX XXXX would charge me {$27.00}, I would bring in only two guests because the lounge service at XXXX was not worth {$27.00} entrance fee at all. This charge was made when I was totally unaware of ( I didn't authorize this charge and was provided with complete and transparent information when this charge was made ). I had to call in two times to get this disputed. The first time, the agent said I would be credited back {$27.00}. I waited for 10 days, nothing showed up on my account. I had to call in a second time. This time, a different agent said a completely contradictory opinion compared to the first one. He said this charge would not be dispute and I would not receive my money back. The fact that I had to call in two times to get it resolved and received two competing solutions is really frustrating to me. I feel like I felt into a scam between XXXX XXXX and Chase Sapphire Reserve because of the in-transparent and unprofessional service.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Re-finance loan application with Wells Fargo stuck in limbo. 

Overall ask : Where do I go to issue a formal complaint against Wells Fargo? Refinance loan process over 120 days now, and no end in sight. This is for a 2nd Rental house. Primary residence and 1st rental property mortgages serviced by Wells Fargo as well. Thought it would be easy to get all mortgages under 1 roof. Wish I had thought differently. 



Started the process in XXXX. Application formally submitted XX/XX/XXXX, ~ {$700.00} paid for Appraisal / Processing fees All key requested documents Tax, Bank, Retirement, Insurance, Pay Stubs submitted XXXX conditional approval received, XXXX closing date promised, additional docs requested all key documents submitted XX/XX/XXXX additional documents requested and submitted. XX/XX/XXXX closing date set. Title company reached out for details. 
XX/XX/XXXX informed that due to COVID, underwriters are busy and I should re-submit bank statements. No closing date promised. 
XX/XX/XXXX informed me that my rate lock period has expired. Theyll wave the fees if I agree to stay patient thro the process. No clarity on closing date. 
Last few communications the bank keeps asking if I want to cancel the application. Unsure why. The {$700.00} is non-refundable. 

Ive been stuck with these guys for 4+ months. Can not look for other investments Isnt there a time threshold to either process or decline a Loan application. Seems like they are asking me to withdraw the application. Why?
Product: Vehicle loan or lease

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/XXXX. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

Fayservising llc had bought my mortgage and failed to notify me that they were not going to accept my auto payments any longer I did not find out until I was already about 4 months behind then they changed the name of the company and so much more non professional practices and at one point refused to take payments from me and then told me I had to mail all the payments in at once and could not take anything other than everything that was behind no partial payment and I had to mail it to them after only paying my bill over the phone for years prior and now they charging me all different kinds of things I believe is just so they can foreclose on me I have only been late a few times over the life of the mortgage and now I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing complaint because I had wrote to Equifax in regards to various inquiries made on credit file in which I never authorized to run a hard inquiry on my credit. I wrote a letter to Equifax requesting an investigating on my file and to provide proof of authorization of any hand written signature from myself to the creditors listed. As of XX/XX/2018, Equifax has not provided proof and has failed to deleted inaccurate information on my credit. I have also contacted the creditors directly and was notified that they on there half didnt have any documents with my signature or any form of authorization. The creditors of the inquiries are as follow : Creditors Inquiries : Inquiry Date : - XXXX XXXX XX/XX/2018 - XXXX XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX  XXXX. XX/XX/2018 - XXXX XXXX XXXX  XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 XX/XX/2018
Product: Debt collection

I don't recall having a contractual relationship with this collection company NATIONAL CREDIT ADJUST. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts that were paid by insurance reporting on my credit report as unpaid. I have sent a letter to Experian, asking them to correct the accounts, but they have not responded yet. Its been more than 30 days, and they were supposed to have gotten back to me by now. I am uploading a copy of the letter I sent to Experian.
Product: Credit card or prepaid card

I have a credit card with JetBlue Airlines. Barclays is the issuer of the JetBlue credit card. My entire credit card balance constitutes of 2 different types of zero ARP promotions. I do not have any balance that is currently under APR. One part of the promotional balance expires in XXXX and the other promotional balance expires in XXXX. Knowing that I had a balance coming due to expire soon, I sent a payment to pay off that portion of the balance. After looking at my recent statement, I noticed that Barclays allocated part of my last payment towards the promotional balance that was due in XXXX and left an unpaid portion of the promotional balance that was due in XXXX. I have called Barclays to ask them to please use my entire payment to pay off the promotional balance that is due in XXXX, but my request was denied. I called Barclays 2 times and the second time I also spoke to a supervisor. The 2 times I called Barclays I was told that the way the allocate payments is it first goes to purchases, then to balance transfers and then checks. I told them that I was not aware of this, and this was never explained to me. If I would have known this prior to using their promotional balances, I would have had planned better how to pay the entire balance off. I asked where this information is disclosed on their website and both representatives including the supervisor told me that their website does not disclose this information. As a consumer, I feel that this practice is unfair. Barclays emails me lots of promotions encouraging me to use my JetBlue card, but they do not inform me of how my payments are allocate when there is no APR being charged. Barclays should make this information very clear to their consumers so that they can make better decisions before using their credit card.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BRANCH BANK & TRUST ( Opened XXXX. XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card or prepaid card

XX/XX/XXXX I was on a family cruise and at a stop in XXXX XXXX, I stopped into a jewelry store and purchased jewelry. upon checking out, the associate offered me the store credit card with XXXX XXXX, although i was prepared to pay for the purchase with my debit card. when i declined the offer, the associate further explained that the card was being offered as a promotional offer and would not incur interest. Based on that information, i agreed to open the account to pay for the jewelry. I received a welcome letter that also mentioned the special finance offer, with no disclosure regarding deferred interest. i paid on the account monthly and as i was told, interest was not charged. until XX/XX/XXXX, when the balance on my account increased dramatically and i called customer service to understand. i was then told that my account was a deferred interest promotional account and because i had not paid the full balance in 12 months, interest was applied to the account. i explained to customer service that this was the first time i had heard of or been told anything about a deferral period that would expire. the promotional period was not explained in any notices and was not included in the sales associates explanation of the card. The customer service rep directed me to a section of my account statement which read DF INT and she told me that DF INT meant Deffered Interest. there was no explanation or spell out of this abbreviation on the face of my statement or on the back of my statement and neither was it ever explained to me by the sales associate. The terms of the card was not explained to me by the store associate and not included in monthly statements or the welcome letter. knowing the interest was only deferred for 12 months is material information that would have change my decision to open this account or guided timing of my payments. this material information appears to be deceptive and unfair, especially to the elderly population who may not be familiar with these sorts of contingent promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was hacked and getting sued as of this letter meanwhile my credit suffers XXXX point drop which caused a collection agency to report have a debt of {$110.00} total from XXXX joke I have perfect credit for last 5 Years. Now I have to suffer with a lower credit rating. I've had XXXX for the last 3years always paid on time never a problem now because of a fraud who has stolen my social number and personal identity has destroyed my credit. XXXX XXXX manage are the collectors they're already trying to collect before I dispute they are trying to LINE there pockets from the innocent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reportings of an inaccurate balance on two accounts that have been closed and charged off since XXXX of 2019 and XXXX of 2019. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these two accounts are inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Product: Debt collection

I am writing this complaint for myself and on behalf of the residents of my former address. I will omit their names for privacy reasons. They are retaining an attorney. 

I have communicated with XXXX XXXX XXXX  a law firm representing both Bank of America, NA, and XXXX  XXXXXXXX XXXX, regarding being unable to pay alleged debts that I have not been given a chance to dispute. I informed XXXX XXXX XXXX of XXXX XXXX XXXX on XX/XX/2023, @ XXXX XXXX  in a XXXX minute conversation that I no longer reside at the residence on file with both Bank of America and XXXX XXXX XXXX. I also explained that the owners were willing to hold my mail for a short period of time until I could obtain an address to forward my mail. Due to my financial situation, I am homeless. I informed XXXX XXXX that I did not want the residents at my former address to be harassed by XXXX XXXX XXXX. XXXX XXXX stated that she would remove the previous address from their files. 

On XX/XX/2023, I spoke with XXXX XXXX for XXXX minutes about my homelessness and financial inability to pay anyone. I requested to be considered for a hardship write-off. XXXX XXXX stated that she would submit the information for review, which would take a couple of days. I called back on XX/XX/2023, and was told that it was declined, but she would re-submit my hardship request again to be reviewed. 
Again, my request was denied. 

As stated earlier, XXXX XXXX XXXX stated that she was removing the address on file since I no longer live there. 
However, this weekend, the residents were extremely upset that they received letters from 4 Law firms at their address within the past few days. I had someone obtain the letters for me. The letters were advertisements from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and The Bankruptcy XXXX XXXX, all informing me that Bank of America had sued me on XX/XX/2023 and XX/XX/2023. 
XXXX XXXX XXXXXXXX are the attorneys who filed the lawsuits listing my former address. 
This is malicious harassment to purposely embarrass and humiliate the residents of that home and me. They are good innocent people that have nothing to do with my circumstances. XXXX XXXX  XXXX were told over two months ago that I no longer reside there and am now homeless. They were informed that I do not have the financial means to pay any debts. Unfortunately, circumstances happened that were beyond my control. 
I am a XXXX senior citizen with chronic illnesses, including XXXX and XXXX XXXX XXXX. Due to my illnesses, destroyed credit, and lawsuits, I will never be able to obtain employment. 

I have always taken my financial responsibilities very seriously, but unfortunately, my circumstances are so bad that I can not realistically maintain payments of any kind. 
My situation is unlikely to improve in the future. My continued high debt level and continued creditor harassment have seriously affected my physical health and further deteriorated my mental health. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Bank Of America , N.A . 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

During XXXX XXXX XXXX I stopped using my Discover card and began to pay off the balance. I was getting close to the limit and didn't want to go over. In XXXX XXXX XXXXXXXX I began to notice a reoccurring charge. The charge was the " payment protection '' fee. I spent the next 3 week talking with Discover. I requested that they produce the document where I agreed to the enrollment in the program. They said they didn't have. They eventually said they can give me {$800.00} to settle the dispute. I told them no, I wanted all charges to be returned. I requested the total amount that had been stolen and they refused to show me. Once they offered the {$800.00} they credited my account, despite my refusal, and then they stopped taking my calls. I hired an attorney to send them a letter, but they would not respond to the attorney. After doing some research I found that there was a class-action law suite in XXXX where they were ordered to stop the practice as well as pay refunds, and there was to be no action to take on my part. I was never notified nor did I receive any payments. On top of this up until XX/XX/XXXX they were still charging me the " payment protection '' they were ordered to stop. I also saw that " XXXX XXXX XXXX '' and " XXXX XXXX '' was mentioned also. I was also enrolled in these products and was told they were part of the card, not separate items that had additional charges. I have tried to speak to Discover and have tried to have a lawyer speak on my behalf and I have been meet with a stone wall.
Product: Debt collection

WayPoint Resource Group ( WRG ) has placed a collections account on all three of my credit reports, XXXX, XXXX and XXXX. I have never received a letter from WRG concerning this alleged debt via US Postal mail which is required by law. WRG stated in the collections entries that this debt is from XXXX. I am a current XXXX customer and I only recently started my service with XXXX at the beginning of XXXX. Before my current XXXX Subscription, the last time I was a XXXX customer was in XXXX. I did not have service with XXXX in XXXX  as WRG has stated in my credit reports. At the end of that service in XXXX, all my services were paid for and XXXX has never contacted to the contrary. If I owed XXXX for rendered services, they could have notified me when I regained service at the beginning of XXXX.

WRG has essentially submitted a fraudulent entry on all three of my credit reports concerning the validity of the debt. First, WRG did not correctly notify me before placing the entry on my credit report. Second, WRG notated that this debt was reported to me in XXXX. Again, I was not a XXXXXX/XX/XXXX customer in XXXX. This information is false and incorrect.
Product: Bank account or service

I am XXXX and a minority. I came into the branch to open an account and the woman took and hour and asked for additional forms of ID other than my state ID ( not sure if that was legitimate or not ). She asked a number of strange questions, too. She did not offer me a temporary check card. I came back and she refused it to me without explanation. I called and I spoke with the manager, XXXX who was rude, and he said that it was " up to their discretion whether to give me a temporary card ''. He was very rude on the phone and hung up on me. I spoke with other reps who also claimed that it was " at their discretion '' and all of them refused to tell us why I could n't have a temporary card or how they make that decision of who to give it to. At one point XXXX even told me " you can come in and take your money out of the account and close the account if you 're not happy ''. He refused to speak with me while my family was in the room even though they were not loud or on the line. At this point, I am going to seek legal counsel and make a discrimination complaint. I have been speaking with this bank for 3-4 hours, now!