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

I have two CDs with Wells Fargo. I received notice that the CD would be renewed at the same term if I did not respond between XX/XX/29 and XXXX. I called prior to XX/XX/29 and on XXXX. I missed the period between XXXX because we were traveling outside of the country. I let them know I would pay a fee since I was outside of the grace period, but they said the only way I could stop the CD from renewing was to mail in a notarized letter ( which is not easy and would potentially cost me money ) or to make an appointment with a banker ( which is only during my work hours and I would have to take off or miss work ). I feel that Wells Fargo is intentionally making it difficult for me to change the terms of this CD. The rate is currently at 1 % and I'm sure they do not want to pay the current fair market rate of 5 %. They are being abusive by not having this ability via phone and making it very difficult for a consumer to complete this action.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX  I been scammed by unscrupulous people, they took advantage of my willingness, they call me saying they were from XXXX and that someone took controll of my identity, that they have all my informations, that I can lose evrything my savings even my house. This criminals took over my phone and they told me if I don't do what they said I will lose everything, so they did transfers in my bank account from the savings to my checking and told me that I have to take cash $ XXXX and deposit in defferent ATM, {$15.00} in Bitcoin Depot and an other {$15.00} Bitcoin of America. they didn't let me received or makes call, I was so scary and stupid how I believe this criminal, that was the worst day of my life, that caused me a lot a financial and emotional problem, I am in therapy at the moment for very severe XXXX. 
I complain to the FBI and the local police, also I send Bitcoin Depot 2 letter with all the proofs, XX/XX/2023 and XX/XX/2023, they answer was nothing they can do about.
Product: Checking or savings account

We are Chase Bank customers. 

On XX/XX/2019, between XXXX-XXXX XXXX, I attempted to withdraw {$2300.00} from the ATM located in the Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Washington . After the receipt prompt, the ATM screen abruptly changed. I did not receive a receipt. ( I do not remember what the following screen stated. ) The cash dispensing panel did not open nor did the ATM dispense any cash, I removed my debit card from the ATM and walked to the counter and told a teller that the ATM did not dispense cash during my transaction. The teller asked if I needed help and she walked me through the steps at the ATM but the ATM stated that the amount I was withdrawing exceeded the withdrawal limit. The teller checked my account and could not determine the cash limit I was permitted to withdraw from a Chase ATM and she was puzzled because the cash withdrawal limit is normally {$3000.00}. So, I withdrew {$2300.00} at the counter with the teller, not knowing that the ATM had debited my account {$2300.00} for cash I did NOT receive. 

On XX/XX/XXXX, my husband checked our account and noticed that we had TWO {$2300.00} cash withdrawals. He called the claims department and they stated that it would investigate it within 10 days. Ten days! It turns out that the ten days must be business days because one claims department employee stated that Chase Bank has until XX/XX/XXXX to investigate. Our mortgage is due tomorrow and we do not have funds to cover it because of Chase Bank 's error. 

Both my husband and I have called several times today, XX/XX/XXXX, to determine if we will be credited OUR money back to the account or charged for insufficient funds due to Chase Bank 's error. We also talked to a teller this morning at the XXXX XXXX branch and he stated he could not do anything to help us. We have been given conflicting answers about possible charges for insufficient funds due to Chase Bank taking our money and thus lowering account balance. We are under much stress worrying about damage to our credit rating, paying bills, receiving our money back, and charges for insufficient funds. This error was not our fault, except we trusted Chase Bank. 

Ten business days is a long time to sit and wait for an investigation when bills have to be paid. This is OUR money that was taken from us from Chase Bank. I feel this is stealing not only our money but our credit rating and peace-of-mind. We are not being helped by Chase Bank in expeditiously resolving this matter.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Re : Wire Fraud synopsis Nevada State Bank On XX/XX/XXXX I checked my balances for my checking and HELOC accounts at Nevada State Bank and discovered they were both reduced to XXXX by way of fraudulent wire transfers initiated by unauthorized access to my account by unknown hacker ( s ). I immediately notied bank personnel and changed both my password and phone notication number. Ultimately, I found out there was a prior change made to the phone notication to an out of state number ( XXXX XXXX ) number by which the hacker was able to approve the wire transfers. It is unknown to me at that time as to the details, i.e., date and time ( although I later determined the transfers occurred on XX/XX/XXXX ), banks and parties involved, and other details leading up to and subsequently resulting in the chain of events described below. 
I met with bank personnel the next day to nd out what I must do to recover my funds and prevent a recurrence of this fraudulent activity. I closed my old account ( ending in XXXX ) and opened a new account ( ending in XXXX ) to protect my remaining funds and pending ACH deposits. Incidentally, I was notied by text message to my NEW phone number that ongoing fraudulent wire transfers from my old account were being attempted by yet unknown hackers, even after I changed my PASSWORD for the old account. The hacker ( s ) were able to obtain my NEW password for my old hacked account, which I maintain was the primary cause of prior hacking, from within the banks computer system. I certainly did not, and will arm by sworn adavit, authorize anyone either the use of the passwords or to change the phone number. 
Since XX/XX/XXXX I have not received any written notication from any bank personnel, save a curt email response on XX/XX/XXXX to my XX/XX/XXXX email to request such information. I have received XXXX separate wire credits to my NEW account of XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX but with NO details and/or explanation. I inquired of bank personnel of the nature of such wire credits and was told this is the recovery from other banks and that the investigation of the fraudulent wire transfers was closed, again with no written notication with details. 
In my email of XX/XX/XXXX I ask for back up documentation for various actions taken by the bank, as well as any data that would substantiate the decision of the bank to withhold the return of XXXX, XXXX to my account. Instead, I received a terse reply of escalating this to our legal department, which I am presuming is the bank is posturing for a ght that I do not want, nor can I aord to pursue. 
I request your law rm to look into this situation, request any clarifying documentation from either myself or the bank and assess the proper course of action that will result in a resolution of this matter. I trust your judgment as to what possible resolution ( s ) are available and how best to reach a settlement. Thank you in advance for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Earlier this month I sent a letter to TransUnion disputing an error from my XXXX XXXX  credit card. The error with my XXXX XXXX  card was that XXXX XXXX inaccurately reported my payment as late. 

In my dispute with TransUnion I never, I repeat I never, told nor asked Transunion to remove the entire account from my credit report! 

TransUnion did not pay attention and removed my entire XXXX XXXX account, which for the last one year and 4 months was my only credit line which means it was the total of my credit history! 

In order to get a mortgage to have a house for my family later this or early next year I will need a credit history of 2 years! 

This error is putting my child 's and my future at risk! 

I ask for your help in having TransUnion not only restore my XXXX XXXX  account to my credit report, but also restoring the credit history dating from XX/XX/2017. 


Simply restoring my XXXX XXXX account to my credit report will not be enough. They must restore the credit history they carelessly removed!
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION and XXXX continue to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. TRANSUNION and XXXX continue to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information TRANSUNION and XXXX are acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information TRANSUNION and XXXX are discriminating against me. TRANSUNION and XXXX are communicating my nonpublic personal information without my permission. TRANSUNION and XXXX never gave me the opportunity to opt out of certain information being communicated. I sent TRANSUNION and XXXX a letter requesting changes be made to my report. I called TRANSUNION and XXXX after i received the certified mail return receipt for an update and i was told that the prohibited information will still be communicated. I sent TRANSUNION and XXXX a another letter on XX/XX/2002. 
SEE ATTACHED
Product: Vehicle loan or lease

I am writing to dispute some recent and inaccurate information on my Hyundai Motor Finance account as shown on my credit. I have been wrongfully charged {$4600.00} for a returned leased car and a late payment from XXXX to XXXX of XXXX. I have included all of the paperwork stating we made all of my payments on time, returned the vehicle a month early ( approved through Servicemembers Civil Relief Act ), and am exempt from any extra charges due to activation. There is also a wrongful comment of charge off. This comment needs to be removed. 

The Servicemembers Civil Relief Act ( SCRA ) and Notice of Termination of Vehicle Lease demonstrate the condition of the vehicle and date of return ( XX/XX/year> ). The leased Vehicle Return also shows the vehicle being returned on XX/XX/year>. 

I also received a lease refund from Hyundai Finance on XX/XX/year> for {$32.00}. The vehicle was not legally in my possession past XX/XX/year> and it is not possible to have any late payment fees in XXXX, XXXX, XXXX, or any other month after XXXX since the vehicle was returned to Hyundai and approved to be received without any early termination charges ( under SCRA ). 

I have included the leased vehicle return receipt ( XX/XX/year> ), the odometer/mileage disclosure statement ( XXXX, XXXX, 2024 ), letter of approval regarding SCRA ( XX/XX/year>, the lease refund check ( XX/XX/year> ), and my most recent credit report.
Product: Credit card or prepaid card

Here is the issue. Recently I purchased stamps ( XXXX rolls ) for which I should have been charged {$85.00} with shipping ( the screen shot attached ). However the item charged was actually {$89.00}. I reached out to the merchant however I received no response so I contacted Barclays Card at the number listed for disputes XXXX. The XXXX based CSR informed me that actually they do not have a capability/authority to address the charge back issue so I then asked to have someone with the supervisory role in the US to call me since the CSR did not comprehend what was being told ( ie. she asked me for a proof of the transaction after she was told I have had screenshot attached to it ). I was told that the callback will be scheduled on XX/XX/XXXX at XXXX. The call back didn't happen. On XX/XX/XXXX I was told that by the CSR again based in the XXXX that I am unable to get a supervisor in the US and all she can do is to throw me back into the loop to hopefully I can get someone in the US authorized to address a {$4.00} charge back issue. I then called again and allegedly got someone in the US who then informed me after a very long conversation that they have to put me on hold to speak to so-called dispute department to address is as this person is obviously unauthorized to address the issue. I was also informed that Barclays USA has a 15 day rule from the date of purchase to allow a transaction dispute which is completely crazy as it is completely contradictory to any idea of proactive fight against fraud and financial abuse.

It is evident that the Barclays USA is making any kind of dispute transaction extremely hard and impractical so the customers simply get tired and go away. Well I am not going to go away and I expect Barclays USA to provide a service based on professionalism and basic metric of customer service instead of arrogance and completely polite but nonetheless disrespectful way of doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have not adhered to the following laws, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law
Product: Checking or savings account

Citibank is e ngaging in fraudulent behavior where they publicly advertise a promotional offer to attract new users, make them open a new account and add new funds into their account then, first : refuse to recognize the existence of the promotion and later : refuse to acknowledge that the user was part of the promotion.     In my ca se : 1. I sa w this promoti on on Citi 's websit e on   XX/XX/XXXX  ( see   attached file )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2.   Checked the box on this page that says " I want to open a  Citibank   XXXX   XXXX    Account now '' and clicked the "  Enroll  now '' button. I then opened the account the same day.      3. A s required by this promotion 's terms, I deposited {$50000.00} from my external bank account into this new  Citi Savings a ccount  on   XX/XX/XXXX   (   see attached bank statement ).      4.  As required by this promotion 's terms, I kept pas t  XX/XX/XXXX   ( see attached bank statement ).      5. I c ontact ed Citi short after  XX/XX/XXXX  ab out the bonus and was asked to wait until " 90 calendar days from the date when you completed all offer requirements '' which would have been   XX/XX/XXXX .        6. I contacted Citi a few days ago and first got a canned response referencing an entirely different promotion that I never inquired about.
7. The second response stated that " offers are only available to the individual to whom the offer was addressed. '' 8. I se  arched on the web and it appea rs Citi is u sing this excuse to refuse the bonus to many of its customers who relied on this promotion. Most importantly, the promotional terms  make *NO MENTION* that the off er is only available to whom the offer is addressed. In fact, since the offer was publicly available and accessibl e on Citi 's  website, it is a " unilateral contract '' in which anyone that the offer does not exclude, is eligible for the bonus, so long as the terms are met.     For the reasons stated above, and based on my research online where other users have shared similar stores, I have reason to belie ve Citi is   engaging in a pattern of promotion fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to have these collections removed XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$390.00} Cavalry Portfolio {$920.00}
Product: Mortgage

In XXXX of 2020, the COVID-19 global pandemic began hitting the American economy hard. Wells Fargo decided to put it's customers on a " forbearance '' many did not ask for this. Wells Fargo did this as a public relations stunt, to make it seem as if it was helping it's customers. 

For me, I was told that they would pause my payment, and I could just make up for the payment at a later date. I was in a position to borrow money from a family member and continue my mortgage payments as normal, but Wells Fargo convinced me that they would simply pause my mortgage and that their " forbearance '' was a better option. 
In reality what they were doing was creating a new loan/debt in my name, so now i have a new loan to help pay for the loan I already have with them. I now own XXXX more than I did in XX/XX/2020. I have made 3 payments to my mortgage ( XXXX XXXX XXXX XXXX and I still owe more than I did in XXXX ... 
On top of this misleading new debt/loan, they are now telling me that I can not pay it off until I pay off my entire home mortgage. 

Wells Fargo, in an attempt to look humane, and decent in the face of an economic recession, while hard working Americans were losing their jobs and in some case losing family and friends to COVID, were manipulating their own customers into a new loan. While the economy crumbled, Wells Fargo ( the same company that created fake accounts in its customer 's names ) decided to trick people into larger debts by lying and manipulating us into believing they were just going to " pause '' our payments. 

During a crisis, the company found a new way to squeeze money out of its customers, rather than actually helping us out. In the name of doing a good thing, under the guise of helping their customers out, they created this scheme. Deceiving and manipulations might be fraudulent activity, but it is absolutely unethical and amoral behavior by a very wealthy and powerful company that continues to break the backs of average Americans.
Product: Mortgage

I closed on my mortgage on XXXX XXXX with the XXXX payment being due on XX/XX/XXXX. Soon after I closed, as I expected, I received a letter saying my loan would be sold. I thought this would occur before the first payment date ; however, it did not. On XX/XX/XXXX, I went into a branch to make my payment. The teller told me I could indeed make a payment in the branch and attempted to pull up my account. She could not locate the account my my account number or ssn. She called the asst manager who also attempted to pull up my account, but she could not find it either. She called the mortgage servicing department who said that the payment had to be mailed. I asked if I would receive credit for making the payment on XX/XX/XXXX, and I was told I would. The asst manager mailed the payment from the branch in a bank envelop. The payment was received and posted, but to my surprise, it was posted effective XX/XX/XXXX. I contacted the bank because I felt that this was unfair, and I should not have to pay for an additional 7 days of interest when I attempted to make my payment on the due date.
Product: Money transfer, virtual currency, or money service

On the XXXXXXXX platform, I traded cryptocurrency I sold bitcoins for three people these people paid via the paypal service a few days after the paypal service I started receiving unauthorized transactions. I have sent recipt from bitcoin sales paypal service he charged my account chargeback they are not interested in the problem of an unauthorized transaction it is important for them to destroy my person they charge an additional {$20.00} for each chargeback. 
May written with goods and service transactions are not covered seler protection also the buyer money is taken by the financial institution.the amount that charge me the paypal service is about {$4500.00} please help!!
Product: Mortgage

Tried to get this out of my credit report. No longer have this company any more. They switched me to a nother broker. The company know is XXXX  morgage know.