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

I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.
Product: Money transfer, virtual currency, or money service

Venmo suspended my account for " suspect activity ''. I provided all the required information and needed the funds to pay bills and survive. I am a XXXX XXXX XXXX XXXX  and could use help with this problem.
Product: Vehicle loan or lease

The lease on my XXXX XXXX XXXX was scheduled to end on XX/XX/2018. 

I turned in the car to the dealership on XX/XX/2018. 

My lease with US Bank is paid with an automatic monthly ACH, withdrawn on the XXXX of the month. 

On XX/XX/2018 I noticed that US Bank still showed my account to be scheduled for an auto payment on my lease in the standard amount of {$510.00}. 

On XX/XX/2018 I called US Bank to request that the payment be stopped. 

US Bank Customer Service Department and Lease Maturity Department informed me that it was too late to stop the ACH and the only way for the payment to not go through would be to set up a Stop Payment with my bank ( XXXX  ). They said if I didn't stop the payment and it went through, I could call back after it clears to request a refund. 

I called XXXX to request a stop payment. I was informed that the fee was {$35.00}, I had no interest in paying {$35.00} to fix the error on behalf of US Bank. 

On XX/XX/XXXX, the payment cleared ACH from XXXX to US Bank. 

On XX/XX/XXXX, I called US Bank to request the refund. I was informed by XXXX XXXX ( Manager, XXXX XXXX ) that the policy was to hold my money until after the inspection was completed and a final bill was generated. 

This is fraud. 

US Bank was unauthorized to take the {$510.00}. 

This was the 49th payment of a 48 month lease. I did not give my authorization nor consent to take a lease payment for a vehicle that I had turned in. 

US Bank was aware that the vehicle was no longer in my possession and had been turned in. 

Not only was US Bank aware that the vehicle had been returned, further, they were aware that it had been turned in on time and under mileage -- both noted by the paperwork submitted by the dealership and confirmed to be received by US Bank on XX/XX/XXXX ). 

Mr. XXXX stated in no uncertain terms that they were unwilling to refund this lease payment until after a period of 4-6 weeks when they had generated a final bill. They are unauthorized to be in receipt of these funds. Nor are they authorized to use these funds to pay any final bill that may be associated with the termination of my lease with them.
Product: Credit card or prepaid card

I had an account with US Bank XXXX XXXX, which allows me to redeem points into airline travel credit. On XX/XX/XXXX, I redeemed a flight with my daughter for a college visit with my points from XXXX to XXXX on XX/XX/XXXX. I received a travel confirmation ( see attached ). Later in XXXX, I closed my credit card account. 

Five days before the trip, I received a call from the credit card 's travel agency, stating that the trip was overbooked and was not able to be ticketed. They asked me to call them back to rebook. 

When I called them back, they said that they could not do anything until they can verify the credit card, and transferred me over to the credit card department. The credit card department of US Bank then told me that the account was closed, but they would talk with the Travel Rewards department to help me. The credit card department then informed me that the Travel Rewards department could not do anything and the trip would be forfeited, even though they were the ones that called me to inform me that the committed trip could not be ticketed. 

Essentially, they sent me an email confirmation of the ticket booking, but did not actually book the ticket. Then when the ticket could not be booked five days before the travel was to occur, they cancelled my trip and refused to give me credit for the redemption. Each department, within the same company, used the other as the scapegoat. 

The reference number for the call with US Bank is XXXX. 

Now I have lost the value of the two tickets from XXXX to XXXX XXXX XXXX, and will have to purchase two tickets with 3 days notice, which I'm sure will be very expensive. I'd like US Bank to at least refund me the value of these new tickets, or at least the value of the original tickets, which were about {$250.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. XXXX and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, XXXX, Equifax or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXX, XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX
Product: Mortgage

I received two letters from two different companies On XX/XX/XXXX, regarding the mortgage for my property. One was from XXXX XXXX and XXXX name of XXXX XXXX  XXXX XXXX. XXXX XXXX, purchased the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, on XX/XX/XXXX while in litigation with me for missing monthly payments, totaling {$5.00}, XXXX. XXXX XXXX XXXX XXXX XXXX refused to validate the payments and filed for foreclosure on XX/XX/XXXX and continued to collect the judgement despite the sale of the mortgage. The property is located at XXXX XXXX XXXX. with a physical address of XXXX XXXX XXXX, XXXX, PA XXXX. Land Home Financial Services , Inc. followed the same pattern. They refused to validate the debt. They changed the loan amount, charged for a corporate amount they never gave me and stated they were the one that filed for foreclosure in XXXX. The debt got XXXX through bankutptcy. They do not have a recorded lien on my property. A company named XXXX, XXXX does. I do not know who they are. They never disclosed this. They are committing fraud. They think they can take advantage of me because, I am XXXX XXXX XXXX.
Product: Consumer Loan

Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.
Product: Payday loan

I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on XXXX of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to XXXX debt collector then that debt collector sold it to national check resolution also go by XXXX recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give them my credit card number to settle a XXXX loan for {$300.00} or I will have to pay {$1000.00} plus attorney fees and court cost. I do n't know what to do because when I called XXXX attorney they tried to look up the company and told me it was a scam and I need to cancel my bank card but I do n't want to do that and end up getting sue for more than I owe.
Product: Credit reporting

I noticed that my Equifax credit monitoring product had automatically renewed itself and charged {$290.00} to my credit card on XXXX XXXX. I called in to immediately cancel the service on XXXX XXXX because the customer service office was closed by the time I noticed on XXXX XXXX. The call center rep confirmed my immediate cancellation and told me that I would no longer be able to access my account and a credit of only {$270.00} would be issued to me. After complaining and requesting an escalation to a manager, the rep confirmed that they would issue a refund for the full {$290.00}. I waited one week to verify the refund had been processed and noticed that only {$270.00} had been refunded. I called in to complain on XXXX XXXX. The new rep mentioned that their policy does not allow full refunds once payment has been received. I called out that I did not approve the payment in the first place. Despite not accessing or even being able to access my account during that 1-2 day renewal cancellation window, I was told that I would be charged as if I had used the service for the full month. I was told that the original phone rep should have never promised a full refund because they do not permit that. After escalating to a manager, they agreed to review the original call to see if I was promised a full refund. If so, they would try to refund the additional {$25.00}, but it would take up to two weeks. Someone should investigate the cancellation policies for Equifax 's credit monitoring services. Customers should be contacted to confirm that they would like to renew their product before being charged. There also needs to be some form of a cancellation or opt-out window without customers facing penalties. Had I not been employed within the financial services industry, I may not have been so inclined to complain without knowing regulations protecting customers against Unfair and/or Deceptive practices.
Product: Debt collection

I have sent a registered letter requesting proof of debt to this Collector credit control XXXX va It was mailed out XX/XX/2021 They have failed to send a proof of debt credit control group XXXX XXXX XXXX XXXX va XXXX Ph XXXX total amount is XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have two fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion XXXX XXXX # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion Credit FIle.
Product: Checking or savings account

On Saturday XX/XX/XXXX, our ATM information was used illegally at an ATM for {$500.00} plus ATM fees. The card was and is in our possession and I am the only card holder or account user. 
My card was skimmed by thieves at an Arvest location as its the only place I use my pin. 
Arvest called me Saturday to report the crime right after it happened. They notified me it was fraud. They knew it was fraud. However, they didnt cancel the transaction, give temporary funds, or fix the issues after 10 business days or 14 actual days. Still no funds, temporary credit, or a statement why they are keeping our money. The terms state after 10 days they can only keep {$50.00} and must credit us for the rest of the amount. 
Even though Arvest informed us it was fraud the second after it happened we had to file a dispute on the first business day Arvest was open. We did. We requested temporary credit. They refused  and told us to get in line. 
Now 10 business days have passed and they refuse to return our money. Our mortgage payment was due with Arvest on XX/XX/XXXX and we can not pay until they return our money. Weve called 4 times to resolve this but they only care about their customers. 
In addition ATM usage fees were charged by Arvest to us for a thief using a non Arvest ATM. They still refuse to refund those as well even though that is 100 % under their control
Product: Mortgage

My house in Florida is pending foreclosure ... I am trying to sell it ... My attorney and I have written Nationstar Mortgage and in two months ... they have refused to provide the payoff amount ... they prefer to seize the house and sell it at auction
Product: Mortgage

My wife and I have been out of bankruptcy for 2 years and we included Selene Finance ( aka XXXX ) in our chapter XXXX bankruptcy. As we understood from the courts, that when we surrendered the home, the loan should have been transferred back to the lender so they can report it to the Federal database CAIBRS to update to show that the loan was no longer in my name. We are in the process of getting a new home and we were scheduled to close in two weeks, and it shows that the house is not updated. We have filed numerous complaints on Selene Finance because it seems that they do their own thing and not comply with the federal law. When we surrendered the home, they were supposed to take possession and take it out of my name. They have not done so for two years. It seems in the courthouse in XXXX county they just recently sold the home and took it out of my name last month which is not adhering to the bankruptcy rules. This has caused a delay in me purchasing another home because of their actions. I have spent time and money repairing my credit to buy a new home and they just keep on dragging this along.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}
Product: Debt collection

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX BANK
Product: Debt collection

Had an wreck insurance paid the whole debt there reporting on credit as an owe please delete I have sent over 400 letters to company no response at all please review and delete
Product: Credit reporting or other personal consumer reports

1st company information : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number : XXXX Balance : {$570.00} on XXXX Balance : {$570.00} on XXXX XXXX : {$570.00} on XXXX STATUS Date on XXXX : XX/XX/2024 STATUS Date On XXXX : XX/XX/2024 STATUS Date On XXXX : XX/XX/2024 Each credit bureau have different information about this account which is validating my rights as a consumer. Im requesting that this account be removed from my credit report immediately
Product: Debt collection

Call multiple times a day from different phone numbers. Call back and refuse to give me information on debt owed with out giving information they should already have. Asked to have proof sent to address on file. never received it.
Product: Credit card or prepaid card

Since 2000 Ive had a 26.99 % APR on my discover credit card. Ive addressed this issue several times with Discover. Ive been given a 1 year promotion of up to {$5.00} in addition to paying over {$100.00} more than my minimum payment. I recently complained to the XXXX. The response was a snarky work with our specialist to help pay down your credit card and a 4 % decrease to 22.99 % as the best they can do at this time. My conversations with the executive office revealed the ineptitude of their process and lack of understanding. Stating their policy of which I cant view, was taken into consideration. Im absolutely dumbfounded that a good standing card holder of 20 years and an XXXX military Soldier with a limited income can not receive anything better than a 4 % decrease considering Ive paid thousands of dollars to Discover through interest. Ive always paid over my minimum payment and yet I am still treated as a student with zero  credit.
Product: Payday loan, title loan, or personal loan

XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX  XXXX ( Bank ) XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company 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
Product: Payday loan, title loan, or personal loan

I had a life/death situation this week and including loosing my job I can no longer pay any thingat this time and wont be able to till i go back to work which is hopfully soon I am sorry to say I can not afford to do this right now I also want to mention the company should have canceled this loan beforehand after i told them twice to cancel but did not listen I the company has failed to respond to last 4 emails period and i find this unprofessional they do not seem to care at all and yet i have sent emails today no response again I want this resolved in a way were it can be XXXX out balance or put on hold with out any issues this loan should have never happened in first place I also want to mention they dont tell u the convo is recording which is illegal Thank you