23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019, i made a payment to my credit card at a Bank of America ATM. This payment was made with a money order from XXXX. I received a letter from BOA dated XX/XX/2019 stating that payment was debited from account because the required encoding information is missing or invalid. 

I have no idea what they are talking about. I have made payment using money order almost every month without any issue. Regardless, the money order or the check in question should have been returned to me. It never was. Since then i have tried calling more than a dozen times. After a million prompts and get to listen to the music forever and no live person picks up the phone. I spent at least 30 to 40 minutes every time doing this exercise. 

I have finally given up and and am contacting CFPB. I would like the payment of {$470.00} be credited to my account or the payment instrument be returned to me.
Product: Checking or savings account

Please see complaint ID XXXX. This is not resolved as the company didn't do anything outside of one phone call with a false promise to help and then they closed the concern and gave a baseless reply. I am still waiting on a refund from a merchant who did not send me my products. I can not submit another dispute because the window is closed. I need help because PNC is not treating their customers correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting companies Experian XXXX  and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life
Product: Debt collection

I had a XXXX XXXX an purchased some earrings ( XXXX ) on or about XXXX or XXXX these items were never received by me being signing from a shipping company or any proof of signature, seems like the items were left unattended at the front door someone may have taken them, as I received E-mail that items were delivered check my mail box which was a XXXX XXXX but items were not there called XXXX an disputed the items an explained I never received them also requested a Credit from them never did. 
The items seemed to have been left at the front door with no signature to receive the package
Product: Credit card

I filed a complaint against Synchrony bank for not refunding an over balance on my credit card. They finally sent the check but it was n't until after I filed a complaint and got them to agree to send it. Because I filed a complaint they turned around and put a stop payment on the check costing me a {$20.00} bank fee for them sending me a check and then stoping payment on it. They now claim that I have to rerequest another check but they will just put a stop payment on it again, thus harrassing me and punishing me for making a complaint against their institution.
Product: Checking or savings account

I have a checking account and a savings account with USAA. I am currently experiencing XXXXl distress ; I have had a health emergency which has left me unable to work during my recovery and also made it ( at times ) difficult to communicate with financial services companies. 

A payment for a personal loan was automatically debited from my checking account, as would normally be scheduled, but due to my emergency and temporary loss of income, could not clear. I had specifically gone in to the USAA app and set my accounts to decline overdrafts. Instead, USAA debited my savings account, and caused the transaction to go through. 

I had expected instead the automatic debit to fail as " insufficient funds '', per my explicit and recent instructions, and I would follow up with the creditor myself. 

After I noticed this had happened, I started a customer service chat in the USAA app to ask why my savings were used to fund that transaction despite my preferences, and I found their " responses '' so exasperating that here I am, writing to the CFPB instead. I was told that, oh, I must not have understood that there were XXXX distinct overdraft settings available, both on the checking and savings account, and that if I actually wanted the behavior I desired ( to decline overdrafts ), that I would have needed to ( somehow know to ) _enable_ " standard overdrafts '', and then change some other setting. 

I find this preposterous. I have worked as a XXXX XXXXr and helped XXXX XXXX XXXX  '', and I have sat in design meetings where people discuss " dark patterns '' and how to " trick '' users into doing something that a company wants that those users, if they understood what they were doing, would instead opt out of. And I am struggling to find an explanation for USAA 's behavior and design decisions that are not malicious.
Product: Debt collection

Zwicker & Associates refused to accept weekly payments online. They informed me that I will have to call each week to pay my {$20.00}. They have sent me a small claims court date of XX/XX/. I was hoping to pay this before court date. 

WHen I called they said I can't pay any other way except phone in which is very difficult. It is as though they want me to fail. I find this firm deceptive and they do have an online payment center. 

They are refusing this. I would like this firm to be repremanded. 

They are not working with the consumer.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX  XXXX XXXX XXXX XXXX. {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

Someone opened an account and debited from my checking account {$150.00} twice from Money Lion of which I do not have an account with
Product: Debt collection

They still show an open account on my credit when it was closed and discharged in bankruptcy
Product: Debt collection

I received a call on XX/XX/2023 at XXXX from Alltran. 

I do not know why you are calling. Nevertheless, cease and desist. 

If communications from your company continue, I have no choice but file a civil suit. 

For your convenience, an additional complaint was filed with California Attorney General. Please ensure you address this time sensitive matter to prevent additional complaints and/or suits. 

*This is an attempt to correct your records, any information obtained will be used for that purpose.
Product: Mortgage

I am trying to purchase a home in  XXXX   XXXX  California for a couple of months.   I have been working wi th Wells Fargo as  a lender at the direction of my real estate agent.   I sig  ned an agreement with good terms and a rate lock.
90 hour  s before close  XXXX   XXXX  a t Wells Fargo told  me the underwriters did not approve.   I would have to borrow twice the money I wanted to borrow at a higher rate.     I am about to lose the house I planned on buying rather than pay thousands in interests and fees I should n't be paying This seems like fraud to me
Product: Debt collection

XXXX charge was paid on XX/XX/2018 to Avanteusa in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. Avante will not answer and XXXX will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email asking if I would like to have my vehicle wrapped for advertising purposes and received {$2000.00} a month. I stated I stated yes and asked what the requirements werequirements were. They said that they would send me a check for {$4900.00} and I would send {$4400.00} To the wrapping company and keep {$500.00} as my 1st installment. I received the check in 2 days and deposited into my Wells Fargo checking account. I received another email 's telling me to use XXXX to send the {$4400.00} to the wrapping company. As this was the 1st time I was using XXXX I was only to able to send {$500.00}. I was directed to send the {$500.00} to a XXXX XXXX And use a wire transfer to send the remaining money. I did send {$500.00} to XXXX XXXX But I started becoming suspicious and did not send the wired transfer the same date. The more I asked about the wrapping company the more suspicious I came and Icontacted Wells Fargo and they told me that it was a scam that they had run across before and cancelled the wire transfer. I filed a fraud claim with Wells Fargo fraud department And explained the circumstances. I was issued claim number XXXX. I received a letter approximately 2 weeks later stating that my claim had been rejected because the money had gone through XXXX with no problem and I was the one that had initiated the transfer. I have just got done talking to the fraud department again at Wells Fargo and they said there was nothing they could do. They are a multi XXXX dollar company and I and I am a retired pensioner living on social security and a retirement. {$500.00} is a lot of money to me.. I am upset because they publish using XXXX knowing that people can not get their money back From them. I know Wells Fargo is insured through FDIC And {$500.00} is a drop in the bucket to them. After going on the sales website I have seen numerous complaints basically the same as mine dealing with frauds and scams. Several people had contacted you and had gotten results and this is the reason I am contacting you and hoping that at whatever you do might push Wells Fargo into returning my money. Thank you very much
Product: Mortgage

Throught all of the delays with Chase, I had to file bankrupcty to stop the foreclosure of my home. I should not have had to do that. Problems with chase has been on going for years and all I want to do is leave the property. At first they gave me a hard time about trying to keep the property and now that I want to leave, I am still getting a hard time. Every time I contact Chase or receive mail from them, they tell me something different. I received 2 letters datedXX/XX/2018 where in one letter, I got assigned a new relationship manager who said she will be in contact with me. I dont recall speaking to her. The other letter, which is the real reason why I am writing, states '' we can't consider you for mortgage assistance because we didn't receive your initial request by the required number of days before the scheduled foreclosure sale. If the foreclosure sale date is pushed back by more than than this required number of days, we '' ll continue to review your request for mortgage assistance. '' This is nothing buy lies. I turned my mortgage application in on XX/XX/2018or so. Chase didn't review it. They chose not to. Now they are sending this to me after the fact to try to cover their butts again. I have made it known many times that I am always being told different things, which has impacted how I have proceeded in my case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Inaccuracy an privacy violation Due to Data Breach Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report that I believe have arisen as a result of a recent data breach involving my personal information. My dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information contained in consumer credit reports. 
Details of the Dispute : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Description of the Issue : I was informed that my personal information was compromised in a data breach at the credit reporting agencies, XXXX XXXX XXXX XXXX Equifax XXXX This breach has likely led to the erroneous reporting of information on my credit report, including but not limited to inaccuracies on my credit report also a violation of the FCRA and my rite to privacy in leaked information as my social, address, account information and more. 
Requested Action : I ask that these following accounts be remove from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate this matter and ensure that any inaccurate or fraudulent information related to this data breach is corrected or removed from my credit report. I also ask for confirmation in writing once these corrections have been made. 
Please provide me with a written response detailing the actions taken in this matter within [ reasonable timeframe, e.g., 30 days ] as stipulated by the FCRA. 
Thank you for your attention to this matter. I trust that you will act promptly to rectify any inaccuracies that have resulted from this unfortunate breach of my personal information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of XXXX XXXX XXXX  ( XXXX XXXX  ) To Whom It May Concern : This letter is a follow-up to my previous correspondence regarding the above-referenced account. As outlined in my initial dispute, I have attempted to contact the credit furnisher directly in order to resolve this matter and verify the alleged debt. To date, I have received no response from the furnisher despite my best efforts. Because the furnisher has not replied, it is clear that you have been unable to properly verify this debt through any meaningful investigation beyond the automated e-OSCAR process. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, a credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. Merely sending an electronic verification request through e-OSCAR is not sufficient if no verifiable documentation or confirmation is returned by the data furnisher. If the information can not be verified, the FCRA mandates that it must be corrected or removed from my credit report.

Furthermore, as per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed method of verification. This includes : The name of the individual at the furnishing company who verified the accuracy of the disputed account. 
That individuals direct contact information, including their name, address, telephone number, and email address. 
A copy of all documentation the furnisher provided to support the validity and accuracy of the reported information. 
Since the furnisher has not responded, please provide me with the following as required by law : The complete methodology and evidence used to verify the accounts accuracy. 
The name, title, direct mailing address, email address, and telephone number of the person at the furnishers office who allegedly verified this information. 
A complete copy of the information currently on file with TransUnion related to this disputed account, including any and all documents received from the original creditor or furnisher. 
If you can not fully comply with this request or provide the necessary verifying documentation, then you must remove this unverified account from my credit report immediately, pursuant to the FCRA. 

I expect a prompt response, as the law requires you to address disputes and provide requested verification information within the timeframes defined by the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Back in XXXX we purchased a used XXXX XXXX XXXX after our car was totaled in an accident. Wells Fargo financed that loan. The interest rate was through the roof! When the government shut down my family was affected due to my husband working for the governments I went into the local Wells Fargo bank to let them know what was happening. They were nice in helping me but they had to call their corporate offices to see what could be done. We qualified for disaster relief due to all the wildfires in our area. However ; it impacted the loan terms because we were not able to make the payments. It ended up adding a ton at the end of our term and the original interest-rate that they gave us was already a ridiculous amount. Long story short we ended up refinancing with a different bank to get our from under their ridiculous rates/terms. Their helping us would have ended up in us pay an additional $ XXXX $ XXXX on our loan. Not only that but it was also right around the time they were busted for opening accounts in customers name without their knowledge. We didnt want that to happen to us. Even though we were only with them for a short time it still was such a hassle to work with them.
Product: Credit reporting

XXXX years old, XXXX. resident charged {$10.00} fee by Equifax to temporarily lift security freeze. 
Phone conversation on XX/XX/2017 with Equifax Security Freeze Department ( to which I was directed to contact by Equifax Customer Service ) was UNABLE ( or Unwilling ) to resolve the {$10.00} charge to my credit card for my request on XX/XX/2017 to temporarily lift a freeze on my account. Security Freeze Department could not even find my case number - which I had received from Equifax Customer Service. Directed by Equifax Security Freeze Department to either send fax or snail mail request ( including copy of my bank credit card statement showing the {$10.00} charge ) and then wait another 10 to 14 days for response ( OR Approximately ONE Month from being charged the {$10.00} fee ) and MAYBE get my {$10.00} -- which should never had been charged -- back. This was even after providing ALL the personal information requested in emails AND during phone conversation and noting the other XXXX credit bureaus did NOT charge me a fee. 
Snail mail being sent includes information below I had provided to Equifax on XX/XX/XXXX : " I just temporarily lifted the credit freeze and was charged the {$10.00} fee ( even though I 'm over XXXX and from the state of XXXX. ) Pennsylvania ( security freeze rights established by Pa. Act No. 163, Section 9 Fees b2 ) Fees : No fees for identity theft victims or seniors aged XXXX and older. All others pay {$10.00} to place the freeze or to lift it temporarily. No fee to remove the freeze. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , Pa. XXXX
Product: Credit reporting or other personal consumer reports

Illegally evicted me with a Federal Protective Class ACT, race, and retaliation continually denied, after Tenant Screening when applying for housing. Denied of opportunities, rental, jobs, loans, and credit without a credit pull. while. I reach out to you in Good Faith with XXXX  beliefs in pain and sorrow of the treatment I received in this matter as a human being with a helping heart. Deletion of this debt will right all wrongs and grant me the opportunities to live in a safe and peaceful environment. Your help will be a blessing of the Faith I have in your agency to assist. Thank you in advance. FYI : Having 2 family members XXXXXXXX XXXX XXXX XXXXXXXX, XXXX and XXXX  due to the very same issue of race, housing and religion for decades has giving me the Federal Protective Act ability. 
Creditor Information - Debt on all 3 credit reports after continually disputing and never receiving a LANDLORD TENANT COURT DAY. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$3500.00} DEBT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance? 
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call. 

We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair. 
Please help.
Product: Credit card or prepaid card

On XXXX XX/XX/2020, I received a letter from Citi Bank that my account was closed due to non payment of 30 days. My wife has a card with a longer non payment and nothing happened to her account!!! Any way, I tried calling the phone number given by Citi for the hard ship due Covid 19 to no avail. I receive unemployment benefits but did receive the higher amount allowed through the CARES act on Covid to help pay my bills AND credit cards. THEN I get the letter from Citi that my card account was closed, Im responsible for the remaining balance which I know that. The letter was just cold and calculated towards me and the account. Didnt even try to reach out to me BEFORE closing my account. NOT HAPPY with Citi. I feel like suing them besides hurting them financially by curtailing future business. Where do we start with this???
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America keeps reporting addresses that are not mine to the credit bureaus and i have informed them to stop and they have not