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

I am continously harassed by the US Bank 's customer services representatives since XXXX/XXXX/15. On XXXX/XXXX/15, the US Bank 's customer services representative ( female ) made threats of collection procedures which is illegal. All US Bank 's telephone calls are recorded to verify the unprofessional behavior of this customer services representative, but the US Bank failed to present an apology for the abusive verbal threat. 
On XXXX/XXXX/15 I received a similar telephone call questioning the " amount of my electronic direct deposit '' and " verification of address '' which is continued harassment. 
The US Bank have on file all the information about my income amount and address for the last 22 months ; consequently, permitting customer services representatives asking to verify the amount of earnings by telephone is a desire to intimidate the customer. Additionally, the US Bank communicates with me sending all correspondence to verify any information via e-mails and there is no need to make this type of calls. Therefore, the unprofessional behavior of the US Bank 's customer services representatives have inflicted me with severe emotional distress harmful for my well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to XXXX, XXXX and Transunion. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX & XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from XXXX, XXXX and Transunion via certified mail/return receipt : ( Attached as rd.1 letters ) XXXX  : Signed for XX/XX/XXXX XXXX  : Signed for XX/XX/XXXX Transunion : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2. XXXX 3.  XXXX 4. XXXX 5.  XXXX 6. XXXX 7.  XXXX 8. XXXX 9.  XXXX 10. XXXX 11.  XXXX 12. XXXX 13.  XXXX 14. XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that there was a fraudulent inquiry from FIRST ADVANTAGE/XXXX XXXX  on XX/XX/2016. This company was not authorized to pull any information from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a trip to XXXX XXXX XXXX using my Chase Sapphire card part of the payment came from my points. On the day of travel upon arriving in XXXX I noticed that there was a mistake with my booking and it only showed 1 adult instead of 1 adult 2 children ages XXXX and XXXX, the Hotel would not check me in until I paid extra fee of XXXXdollars per night which was total of XXXX USD, On my reservation it showed that an extra child would only pay XXXX as they considered my daughter as an extra person on me and so I only had to pay for my son. 

Though it was clear that an extra child was only XXXX chase refused to refund me the difference XXXX USD. 

See attached letter writing to complain about their lack of obeying fine print. 

Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Vehicle loan or lease

My payments was up to date until I went through terrible hardships and lost everything i had all at once, due to fire, due to death in family, and loosing job. 

The agent I first had on my account was XXXX and he was great, he had my account setup to where I wasn't getting behind or going in repo. After he left they forged my account past due and made account go into delinquency Once I had had to come out of pocket {$1400.00} for maintenance car repairs. The same week my payment were due. I asked for a few weeks to get paid and then make payment, they denied me. XXXX XXXX is the name of the agent that yelled and was very rude and disrespectful to me. She did not want me to speak to her supervisor nor was she willing to listen to me as i spoke to her about my situations. She also stated she didn't have to consult wit the other agents about the notes on the account. She refused to accept my payment and she also threatened to repossess my car for no apparent reason. 

On XX/XX/23 I paid {$640.00} through the payment portal on my account to bring the account current and out of repo status. I called in again to make sure they received the payment. Once again, I spoke with XXXX and she immediately got rude when she got on the phone. She mispronounced my name and I asked her politely to say my name correctly and she got smart at the mouth and said she don't have to do all that. I asked to see if my payment through to my account. She stated that I still owe {$8.00} and I told her she didn't explain a processing fee to me when we discussed the amount needed for the account, I told her she only stated the amount owed. I also enlightened her I'm not the person who has been paying on my account so I didn't know anything about a processing fee and she didn't explain any fees when we last talked. She stated " I should know about the fee '', even though I told her I didn't. And then she stated she will not allow me to speak with her supervisor and she will instead have my car picked up for {$8.00}. Once I begin to mention my lawyer will be contacting the company corporate office, she hung up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Experian in handling my dispute of 4 accounts that were opened by someone who stole my identity XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have sent in a police report as well as an FTC Identity Theft Report and yet Experian continues to report those items on my credit report in clear violation of numerous FCRA regulations.
Product: Checking or savings account

I had deposited a cashiers check at the Citi bank atm for about {$4500.00} for a family member that closed their account with XXXX bank and just wanted the cash so she can pay her bills XX/XX/year>2024. I was able to withdraw the money and XXXX, deposit and withdraw money in and out for 2 months. I had access to my account no problem. I did not receive no phone calls or emails nor letters within the mail from Citi bank about any fraud alerts. Up until recently XX/XX/XXXX my cards chip wasnt working only sometimes so I decided to get a new card at the closest Citibank branch near me. They were able to order me a new card and I was still allowed to access my account and make withdrawals and deposits. XX/XX/year>2024 I had went back to the same branch to see if I could receive a temporary card because I had no way to pay my bills. This is when I was told my account was flagged and undergoing an investigation for fraud because I deposited a check that was over {$2500.00} and didnt deposit it at the teller, I had no idea of this. They had previously sent me a letter regarding this, though I never received one. I am now being told I have to wait 30-60 days to receive the money that is owed to me in my account after their investigation even though my life savings are in there. I am a XXXX year old woman who has been on her own since XXXX years old. Ive worked very hard for everything Ive saved up. I am also a XXXX XXXX who supports their self and I have no access to my money to pay my bills which leads me to turn to friends and family members for loans that I have no way of paying back until 30-60 days.
Product: Mortgage

On XX/XX/XXXX, Shellpoint Mortgage company performed an escrow analysis on my mortgage account. 
Shellpoint Mortgage company has documented that my escrow account has a deficit of {$530.00} for the XX/XX/XXXX escrow analysis. 
On XX/XX/XXXX my escrow account has a balance of {$650.00}. 
My next mortgage payment will be due on XX/XX/XXXX after paying the mortgage for the months of XXXX, XXXX, & XX/XX/XXXX. 
My escrow account does not have a deficit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : Synchrony Bank ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 

Attached is identity theft report and credit report. 

Truly, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Barclays Bank to inform them of a fraudulent account open in my name. I agreed to help in any way. I called them today to check on the account as it was showing still open on my credit. They say they have completed their investigation and confirmed the account is valid. I have never applied for this account.
Product: Checking or savings account

Wellsfargo called me twice on XXXX and I missed those calls. They called me again on XXXX around XXXX in XXXX  and I answered. She said she was calling from the Wellsfargo fraud department and that someone in XXXX, XXXX  was using my bank information to make purchasesone was pending for {$1200.00} and XXXX was pending for {$320.00}. The number was identical to the number on the back of my debit card. She told me she needed me to follow some steps to correct this if it was indeed fraud activity. She asked if I had recently travelled or given my bank account information to anyone. I said no. So she sent me a security code to verify my account. Then sent me a link to log into my account and thats when all of a sudden, I was enrolled in wiring, she added a recipient by the name of XXXX XXXX which I have no idea who that person is and wired {$11000.00} from my savings account. I was sitting in branch at the closest Wellsfargo within XXXX min of getting disconnected from this person who claimed to work for Wellsfargo. I told them that I did not authorize this wire and that I was never notified to give authorization for this wire. I called Wellsfargo today because I have not received XXXX follow up phone call on an outcome of this claim and they told me that they closed the case and that I will not be receiving my money back because I authorized this wire from my device. This is such a scam and it cant possibly be that easy for someone to steal all of my money from my online banking account. I want my money back now. I am recently widowed with XXXX small kids that I need to care for. Wellsfargo has insurance that protects my money. Why arent they using it to get my money back? This is not right that, I the consumer, should have to suffer because of an inside job with wellsfargo and because wellsfargo doesnt have the proper checks and balances in place to stop a fraudulent wire within minutes of it being initiated. Please make this right. I have hired an attorney and will go to great lengths to get my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and you are required to investigate and correct errors within 30 days. 

Incorrect Personal Information : Name Variations : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect/Outdated Addresses : 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 Correct Personal Information : Full Legal Name : XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I have attached a copy of my government-issued identification ( e.g., drivers license, passport ) and a recent utility bill or bank statement as proof of my correct identity and address. 

Please investigate this matter promptly and remove any outdated or incorrect information from my credit file. In accordance with FCRA requirements, I expect a written response and an updated copy of my credit report reflecting these changes within 30 days. 

If you fail to correct these inaccuracies, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the correction of my personal information. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed from the result of my complaint- it feels as if my request was not taken into a very serious consideration so I am once again asking for your company to investigate my case and have these accounts removed and information corrected.
Product: Debt collection

I was just called XXXX times in the last 10 Min. by the same phone number. i blocked them and the calls just kept coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My loan with SLS is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to Divorce settlement, and I even presented that stipulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the two Bankruptcies with XXXX XXXX XXXX and Experian that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately
Product: Credit card or prepaid card

I have a Citibank Credit card and my minimum balance was due by the XX/XX/XXXX.

I made a payment earlier in the day, but needed to deposit money into my checking account before I could make my final {$300.00} payment.

I live in California along with almost 40 million other people.

The United States has a system of time zones and California is 3 hrs behind Eastern time.

I tried to make my payment online and it was telling me it was the XX/XX/XXXX when in fact it was still the XX/XX/XXXX in California - so I didn't pay online.

I called Citibank XXXX around XXXX XXXX  and asked to speak to the supervisor and brought up this problem - they told me that my card agreement has the time due as being midnight eastern time on the date due - I then asked to speak to a supervisor in the United States and spoke with someone - he took my payment using my bank routing number and acct number but advised that the payment is listed as being made on the XXXX. He did waive the late fee.

My contention, regardless of the written agreement, is that 40 million people are being discriminated against by being forced to make their payment 3 hrs earlier than clients on the eastern coast are allowed to - this is unfair to 40 million people.

Can you please work towards forcing banks and other financial companies to regognize the time zones of the country and class payments made by midnight in the local time zone as having been made on time regardless of what their system says.

Thank you for your attention to this matter. XXXX XXXX XXXX, CA XXXX.
Product: Credit card or prepaid card

Ive always had trouble getting things in my name, never understood why. 
Im just now learning how this credit stuff work so as I logged in my experian account I see a closed navy federal account for {$21000.00} on my report. I dont own or bank with navy federal at all.
Product: Money transfer, virtual currency, or money service

I purchased an XXXX XXXX XXXX from a business or a so called business come to find out and I sent them half of the payment upfront and then when I received the bird they were to get the second half of the payment. Well after I sent the first half of the payment they created a fake invoice with shipping details from a fake shipping company who then requested I send more money for insurance on the bird while it traveled and told me that I would be refunded every cent of the insurance money once the bird was delivered to my home. They requested another XXXX XXXX That would be refunded in cash as they hand the bird over to me. Well i did not pay that XXXX $ as it was never mentioned in any talks i had with the seller and it just sounded funny to me. And they then never shipped the bird and have not refunded me after numerous requests to be refunded. So i then let cash app know that I was scammed and that i paid for a bird and the bird was never delivered and i asked them to please refund me the money i was scammed from this company. And cash app has XXXX times denied refunding me saying no error occured. They are full of it. I was scammed. I have the emails and text messages to probe I was scammed and i just want my money back. What cash app is doing is unethical and poor customer service. I have truly been scammed and for cash app not to refund my money is illegal at best. I would like to file a complaint on cash app and would like whatever necessary actions to ensure they do not get to do this to anyone else taken and i would like my money that was fraudulently taken from me returned to me. Please.
Product: Debt collection

discover had never sent a written agreement or a promiesnary note but none was provided also the debt been sold to the company i ask to deleted the acct base it wasnt supose to be on my credit report i didnt give written consent in my right been violated for added information on my credit report without permission. `15 U.s code 1681
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Thus creating loss wages and emotional trauma.
Product: Mortgage

I have been experiencing ongoing challenges while trying to honor my agreements with my lender, i.e., discrepancies in the amount indicated on the company 's website vs. what is actually owed, the ongoing receipt of Past Due Notices in spite of making all of my agreed upon payments on time, the mistaken report to the credit bureaus regarding my payments and finally, hours and hours spent on the phone with the company 's representatives without resolution.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, made a solar loan for XXXX in XXXX. 
Would contact to get updates, ask to bring inspector, and get the job complete and we're promise job will be done and wouldn't pay for a year. Job has not been completed, not been contact in months and been blocked. Lied about getting anyone on the property. Cameras have been on for them. Just issues after issues with the contractors and still haven't gotten anything complete and it's been XXXX years.