23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I went into the Wells Fargo Bank at XXXX, GA on XXXX XXXX at around XXXX EST to deposit an overpayment refund check that I received from XXXX for an amount of just over {$3300.00}. This check was written to me using my nickname, in which I showed the bank tellers the card that was associated with the check and also offered to show them account statements and my XXXX mobile account information to verify, match, and authenticate that I was truly the person that was listed on the check. I also offered them my Driver 's License which they did not even acknowledge. I told them I would happily allow them to verifiy my nickname was connected to my legal name by calling XXXX. I also stated to them that XXXX was willing to call the bank manager directly to verbally acknowledge the check #, account number, and name on the check belonged to me and matched with the information on my license. This is something that other financial institutions have done for me and I have never had an issue. But today Wells Fargo decided to have 3 different tellers look at the check I was trying to deposit, and scream across the bank at me that they would not be able to deposit it because it would make my account negative because their back office would not approve it. This was very embarrassing and had everyone in the bank staring at me. Then one of the bank telllers that was not even handling my transaction, and left a customer in the drive thru ( and was just being nosey ), told me that I need to have recurring overpayment checks from XXXX XXXX put in my legal name. I told her this was not a recurring payment that i was receiving from them. She asked me ( while I was standing in the lobby, and she was sitting at the drive thru window ) if the name " XXXX '' on the check was registered with the Secretary of State. She said it in a very condescending tone. She also stated the amount of my check in front of everyone in the bank and said it was too big to deposit which again made everyone in the bank stare at me and made me uncomfortable with everyone knowing how much I was attempting to deposit. This was a breach of my privacy! Where is Wells Fargo 's confidentiality assurance? This is the worst experience I have ever had with everyone in the bank now knowing how much my check was written for and knowing what institution it was written from. All of the tellers ( except for the man ) were rude to me and did not even greet me when I came in the door. My privacy was compromised and they did not even call a manager/bank specialist over to try and privately handle this situation.
Product: Checking or savings account

I think that I've been victim too bank fraud. I've submitted a complaint with the cfpb before about this. 
Generally on XX/XX/2022, I finally got a chance too make an effort in XXXX XXXX too board the XXXX Transit authority and attempt too renew my D.L. or get my I.D., because of my address. 
I had prior too this made several attempts too confirm my address over the phone ( with truist/bb & XXXX bank card holder services ), that they mysteriously stopped validating. They had also locked or deactivated my card '' status unknown '', and left me with no real accessibility to it.
Product: Student loan

I have consolidated federal and private student loans totaling approximately 125,000. Every month I send a payment via Navient website. The company recently changed its website which makes it impossible to choose the amount to pay. The " payment due '' window reflects past due, fees, and currently due amounts. Since I was unable to choose to just pay the past due amounts as the currently due amount was n't actually due yet, I set up payment through my bank 's online bill payment feature and made a payment on XXXX XXXX 2017. Navient received payment two days later on XXXX XXXX 2017. Instead of allocating the appropriate amounts to both private and federal loans, as they have done literally for the past ten years on this account, they allocated the entire payment to my federal loans. I called customer service immediately and have been bounced around to various agents who assure me that this is " a back end issue '' and that a request has been sent to re distribute the payment to the two accounts. I have been charged late fees on both accounts for non payment. It has been one week and nothing has happened. The payment is not visible online at all and I am getting delinquent letters via email and threats that this will be reported. I have been unsuccessful in my attempts to rectify this issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

HI i have tried yet again to dispute what wells fargo bank and cfpb system doesnt allow me to progress, cfpb why have you not atempted to prosecute wells fargo for fraud and hold those responsable for there actions and theft of my home, acount in credit and no missed paymants yet you have never asked for proof of paymant? you have deliberatly treated me and my family un equal to american person why are you pretecting this fradulent and deciptfull bank why numerouse supreme court orders yet no compesation why
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Repair Service In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. 
I subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. 
My mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. 
Approximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. 
My husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. 
I feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Zelle- sent payment to wrong person. Never able to get a refund. It was {$500.00}.
Product: Credit card or prepaid card

Please remove this inaccurate late payment from my account. Please remove this inaccurate late payment from my account.
Product: Credit reporting or other personal consumer reports

How can two account be report the same information. This is inaccurate information. Under the fcra laws this is a violation to my right and I would want this remove and delete off my credit report. XXXX have two account this is one of the account number XXXX and the second account number is this XXXX XXXX also how can you be late 30 day show 1 time, and 60 day shows 0 late days, and 90 days shows late 10 times. This is inaccurate and incorrect information on my file. How is these two account report the same information. Please delete and remove these account its hurting me from get a house for my family. 15 us code 1681b I have my right and this law is what following under the right to have these account removed immediately. Also upload pictures showing the inappropriate and inaccurate information.
Product: Checking or savings account

I submitted a complaint about Golden one credit union, report # XXXX open case, I tried to remember all the unfairness I want to also mention the excessive fees that went along with all the charges from the Landlord unauthorized amounts the bank gavith then took it back all the over fees of {$30.00} each over the limit because of no fault of my own. I sent you the proof through mail the complaint was online the bank transactions statements shows all excessive fees that really killed me. please add to the complaint Thank you again for helping me. I am disabled and on a fixed income the unauthorized transactions all the fees left me in RED litterally. im so stressed out upset worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and Equifax. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and Equifax, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX  because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX
Product: Mortgage

My bank has been stringing me along for almost 5 months on a refinance. They have cost me quite a bit of money on appraisal fees and lein lift fees and have waited for all documents to expire to then ask me to purchase them again. They request information and documents after they have already become past due. They have caused stress and anxiety in my life along with lack of sleep for 5 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit reports back inXX/XX/2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX , I initiated a transfer of {$1000.00} from  my Google Wallet  balance to my debit card ending in  XXXX  using website wallet.google.com. The website returned me an error stating that 'The transfer could not be completed, please try again '. However the money was still deducted from my wallet balance and never returned back to my wallet.     I looked at the transactions on my wallet account and could see a transaction with Id :  XXXX  with status as PENDING created at  XXXX   XXXX ,  2017   XXXX   XXXX .     I reached out to google wallet support via chat agent (  XXXX   )  and she advised me to wa it 24-48  hours while she escalates the issue to a  specialist. I got a response next day telling me that the money should be in the bank account. I responded telling that this is not correct as the money is not in the bank account and transaction still shows status as Pending. I received another standard response to wait 24-48 hours.      On Monday  XXXX   XXXX , I contacted google wallet support via phone. The agent worked me to troubleshoot and we even contacted my bank to check for any incoming transfer.   Bank verified that they do n't see any incoming transaction. The Google agent advised me to w ait 3  business days as he confirmed that money has been sent to Bank by Google.     On  XXXX   XXXX , I contacted google wallet again via phone since the money is still not in the bank. I spoke to a supervisor who looked at the account and mentions that while he sees deduction of {$1000.00} from my wallet balance but he do n't see any transaction. So basically now google seems to be in a denial mode for any existence of a transfer. However since the supervisor could see deduction, he mentioned that he is going to escalate the issue t o Tier-3 support an d advised me to wait again.     I am writing to CFPB to provide help in getting the money refunded back eith er to Google Wallet balance or the bank account it was being transferred to but not stuck somewhere in google IT systems on support who have no clue. This issue has taken a lot of time and mental troll due to being with Google support via email/chat/support.
Product: Debt collection

Cell phone account with XXXX XXXX was opened fraudulently in XXXX amount claimed is XXXX. Dispute was completed thru transition and deleted but not removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contested a late fee that decimated my credit score with Bank of America and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see BoA )  or low-tier credit reporting agency allow this to post ( see XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I received a settlement check from your company XXXX for my deceased husband XXXX XXXX and I'm trying to get you to reissue the check in my name because I'm his beneficiary. My info is XXXX XXXX XXXX XXXX number XXXX, email : XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I tried contacting you but couldn't get through. Please respond. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/XXXX a with draw from my XXXX XXXXXXXX account removed XXXX on auto bay to Marcus GM card when originally I been set up for minimal payment. I called on the day of the funds to refund the payment as I had already paid that month minimal payment. the agent to me it will take 10 days to make an inquiry. We did ive Calle back numb row times the payment hasn't been applied to my credit limit and they are not refunding it I didnt authorize the amount of statement balance to remove this. I want the payment refunded and payment continue as minimal payment. this has been a big issue as this amount was un expected and cause hardship
Product: Vehicle loan or lease

I requested my XXXX Credit Report and received Report # XXXX and noticed an entry that was furnished by Credit Acceptance Corporation which I have never engaged in business with. I notified them and asked them to verify/validate this debt on XX/XX/2023. As of XX/XX/2023 I have yet to receive a signed contract showing my financial obligation to said company. Furthermore, in the Comments section it says the first payment was never received, however I have some statements showing that there were a few on time payments. Additionally, I was part of a lawsuit with XXXX XXXX as there was a data breach and I believe my information has been used fraudulent since then ( see attached document ). Therefore, there are a number of inaccuracies as reported by this company. After reviewing 15 U.S.C 1681 Section 602 clause 4 I have good reason to believe that this consumer reporting agency has violated my right to privacy and am therefore requesting that this slanderous information be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Dear Cedars Business Services, I am writing to dispute the alleged debt you are attempting to collect on behalf of Binance US. Your recent communications regarding this matter fail to acknowledge the circumstances surrounding the transaction in question, and I must insist that your attempts to collect this debt cease immediately. 
The debt you claim I owe stems from unauthorized activity on my Binance account, which resulted in funds being withdrawn from my bank account and transferred to an unknown third party. Upon discovering this fraudulent activity, I promptly reported it to my bank, providing substantial evidenceincluding email records of unauthorized logins from foreign IP addresses and changes to my account information that werent done by mewhich conclusively demonstrated that my account had been compromised. Additionally, the fact that Binance US operates in the cryptocurrency industrya sector notorious for scams and fraudulent activitiesonly underscores the plausibility of this incident being the result of criminal exploitation rather than any fault on my part. 
Following a thorough investigation, my bank acknowledged the clear evidence of fraud and subsequently refunded the full amount of the unauthorized transactions. This outcome absolves me of any legal obligation to repay the disputed funds. The bank involved with this transaction was XXXX XXXX XXXX. 
Moreover, it is pertinent to note that Binance itself has faced legal scrutiny and regulatory action, including being banned from operating in the United States due to allegations of money laundering and fraud. This additional context serves to strengthen my position that the funds in question were unlawfully obtained by a malicious actor, rather than being legitimately owed to Binance US. The real issue here is a lack of consumer protection by Binance. A simple google search reveals many other cases with similar details as mine, where customers were missing thousands of dollars based on fraudulent activity. 
In light of the aforementioned circumstances, I hereby demand that you cease all further attempts to collect this disputed debt. Any further communication from XXXX XXXX XXXX regarding this matter will be considered harassment and dealt with accordingly under applicable consumer protection laws. 
Please respond via email that you have received this letter and have stopped any efforts of collecting the invalid debt. 
Sincerely, XXXX XXXX
Product: Bank account or service

In continuing with # Case number : XXXX the second check in question, number XXXX was never received by me, and as I understand it, this check was fraudulently cashed. I never authorized or saw this check in question. 
Barclay Card Services must investigate this issue. Please contact me for any questions. 

I will be faxing the check with my letter of authorization within three business days, thank you, XXXX XXXX XXXX
Product: Credit card

Dicks Sporting Goods credit card, Synchrony bank. Charged a fee for a " optional debt cancellation product '' called " Card Security '' as to which I never willingly participated in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian and XXXX have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX on XX/XX/2019 XXXX