23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted a balance transfer between my newly opened XXXX credit card and my bank of america credit card on XX/XX/XXXX. The total balance transfer was the maximum allowed of {$7600.00}.

My intention was to transfer the {$7600.00} from my high balance bank of america card ending in XXXX. Unfortunately, I entered in the wrong number and entered my one other bank of america card ending in XXXX for the balance transfer. This was a small human error between two identical cards I have open at bank of america.

When I caught my mistake a few days later I immediately called the bank of america customer support line. I was on hold for over an hour and when I finally got through to someone in the balance transfer issue department I was told a support request ticket would need to be made and it would be resolved in a few days.

This was massively incorrect information. What should have been done was an immediate refund of that money so I could re-attempt the balance transfer. 

I called the next week and after hours on the phone I did not get any help or guidance from their support team. It took until XX/XX/XXXX to finally get ahold of somebody in their claims department, his name was XXXX. 

He informed me that my issue was mishandled " 3 ways from sunday '' and that he would need to file a claim. i was then informed that the 'investigation ' would take up to 60 DAYS.

This was completely unacceptable as I was told wrong information weeks prior. I called again several times to plead my case and escalate but 'there is nothing we can do. ' This has majorly impacted my credit score and my financial stability over the last few months and my case is still not resolved.

All that needs to be done is apply the XXXX payment from one bank of america card to the other. The fact that its taken this long due to grossly inadequate customer service from bank of america needs to be addressed. 

It is unresolved as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I met with Wells Fargo at their XXXX XXXX branch back in XX/XX/XXXX The objective was to close out and obtain the contents of my deceased mothers safe deposit box I was not aware that my mother had a box, but as the executor of her estate I received an unpaid bill for the box from Wells Fargo I met with the Wells Fargo manager to drill the box and obtain the contents When the box was drilled it was discovered that there was no box Wells Fargo records showed that the box was as active When we discovered the box had been emptied I asked to see the records of who was the last person to have access to the box ... .Wells Fargo had no records I asked the manager to investigate but its now been over 6 weeks and they have reported nothing to me I believe my mother kept her jewelry in the box I believe that Wells Fargo my have stolen the contents Please help me
Product: Checking or savings account

On XX/XX/XXXX, my MoneyLion account was hacked by someone. They were able to change the phone number on file and make several transactions including opening a XXXX  account ( which is MoneyLions checking account ), getting a {$510.00} loan with their Credit Builder, and signing up for the monthly membership which is $ XXXX/month ; this said person also was able to cash out several amounts using the XXXX  service MoneyLion offers. On the same day, they also authorized a repayment of that XXXX  in two amounts, the first was {$300.00}, and the second was {$75.00}. After the second amount, my XXXX XXXX account denied further transactions due to limited funds in my account. The person then transferred the loan amount and XXXX  amount to the XXXX account and transferred that into a separate personal account totaling {$860.00}. When I noticed this, I tried contacting MoneyLion directly but wasnt able to get ahold of them except via email. I also tried changing the phone number on my MoneyLion account back to mine to but since it had been recently changed, it would not allow me to change it back. I contacted my bank and they were able to refund the {$300.00} and {$75.00} charges to my account. The next day I was able to talk to a representative who took all of the above information and told me they would pass it along to their team of specialists, lock my account and I would hear back either by phone or email in the next few days. After approximately two weeks, I hadnt heard anything from the company, and MoneyLion had cashed out {$700.00} that was due for repayment of the XXXX. I called them again and got the same response that they would pass it along to their specialists and didnt have a time frame of when the issue would be resolved. It has now been two more weeks since then and I have not received any information or refunds.
Product: Credit card

On XX/XX/2025 I applied for a Wells Fargo active cash credit card and was declined for the following reasons : 1 ) Ratio of credit bureau trades with a balance greater than XXXX. ( We look at the ratio of open and closed credit accounts that have a balance greater than XXXX in the last 6 months ). 2 ) Number of revolving bank cards reported by credit bureau. ( We look a the number of bank credit cards in your credit report. ) XXXX reported to Wells Fargo that I had NO CLOSED credit accounts with a balance greater than XXXX in last 6 months ; so there is no ratio of open to closed credit accounts with a balance greater than XXXX. Reason # 1 does not apply. 

XXXX credit report listed XXXX bank XXXX XXXX : XXXX were closed with {$0.00} balance, XXXX are active and good standing ; XXXX with {$0.00} balance and XXXX with {$74.00} and XXXX with {$77.00}. Reason # XXXX shows no reason for denial. 

My credit rating at XXXX dropped from XXXX to XXXX on account of Wells Fargo Denial.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

i purchased a XXXX XXXX XXXX from USA Auto sales in XX/XX/XXXX i received a letter from west lake portfolio in XX/XX/XXXX saying that i need to contact them about my vehicle an the loan amount was over {$10000.00} an to start paying them on XX/XX/XXXX i asked them how an why is the loan on my car that much they couldnt give a reasonable answer I asked about my contract i signed with usa auto I stated that it cant be that much i been paying my car since XXXX they stated that i have to pay them with in 30 days every two weeks XXXX just like i was paying usa auto sales.
Product: Checking or savings account

I submitted a prior complaint about Citi Bank withholding my money in the account they closed. I have yet to get my money. It is now XX/XX/2021 and I was supposed to get a check in the mail by XX/XX/2021 as said by the bank. I have not gotten anything! Matter of fact, I just got a balance notification from Citi bank stating my money is STILL in the bank! Im beyond mad at this point because what could you possibly be holding someones money for. I wasnt closed for fraudulent activity at all. Matter of fact, they have NO reason to even hold my money or close that account. Now that the account is closed! Why is my money not in my possession! That account got closed XXXX days ago! This is ridiculous!
Product: Mortgage

My complaint is with regard to Mutual of Omaha mortgage lending for two items : Deceptive sales practices and failure to comply with multiple requests to set up an Escrow account.

When I was reviewing different offers from mortgage lenders, I decided to go with Mutual of Omaha because their salesman pitched me on a bi-weekly program that would lower the effective rate over the life of my loan to 2.25 %, with XXXX points. When asked on XX/XX/XXXX to confirm I would get the bi-weekly option, the salesman replied, " Yes. Bi-weekly is a great program. '' However, I came to find out at signing that not only did I indeed have to pay over {$2000.00} in points, but after my mortgage was in place that Mutual of Omaha did not even have or offer a bi-weekly payment option. 

I received the following message from Mutual of Omaha on XX/XX/XXXX : " Dear XXXX XXXX XXXX, This email is in response to your inquiry sent XX/XX/XXXX, regarding your payments. 
We currently do not accept bi-weekly payments, nor do we offer a bi-weekly automatic payment program. '' My XX/XX/XXXX statement shows the following transaction to set up the Escrow account, yet after seven months of calls and requests and even the initial deposit, the Escrow account has still not been set up : XX/XX/XXXX Initial escr/inter. deposit, etc. {$280.00} Their customer service center requested that I send in a new check for an initial Escrow deposit, which I mailed on XX/XX/XXXX, but has still not been processed by them. 

I also received the following message from Mutual of Omaha on XX/XX/XXXX : " Additionally, our records indicate that, in regard to your request to establish an escrow account, a letter was sent to your mailing address on file as of XX/XX/XXXX, advising that in order to complete your request a payment of {$2800.00} was required by XX/XX/XXXX. At this time, we have not yet received this payment. However, once it has been received, we can complete your request to establish an escrow account. '' As mentioned above, a check for the requested amount was mailed to Mutual on XX/XX/XXXX but has still not been processed. The entire purpose of my wanting an escrow account is to better manage finances by having consistent payments each month and not be faced with a giant lump sum payment twice a year. However, now I am faced with the predicament of having a check for {$2800.00} floating uncashed for over a month at time of writing, because they refused to accept payment via internet or over the phone for my escrow -- despite the fact my monthly payments are on electronic auto-draft from the same bank. 

I am requesting the CFPB take measures to ensure Mutual of Omaha immediately stops selling and pitching customers on payment plans that are clearly not even offered or available, such steps are deceptive and unethical. Furthermore, I would like a formal complaint registered for Mutual 's inability to set up something as rudimentary as an Escrow account for the past seven months this mortgage has been in place. 

Thanks, XXXX XXXX
Product: Checking or savings account

1 ) I logged into my online wells fargo banking account on XX/XX/XXXX my checking account balance was {$50.00} 2 ) Went to Wells Fargo XXXX XXXX branch in XXXX VA to file a fraud claim spoke to XXXX XXXX the manager 3 ) Looked at all transactions made and started claim was told I would get money back and my old account would be closed 4 ) Was also stated that the resolution team would take a look at all transactions and see what they could do, they would have a " specialist '' investigate and i would receive a call from their team 5 ) The claim had every transaction starting with two transfers from my savings to my checking accounts of {$2000.00}, then two transfers of {$500.00} through XXXX to an unknown name of XXXX XXXX, everything else was transferred through increments of $ XXXX through XXXX XXXX ( an application I deleted before the money was taken ) and using a cardless ATM number and my PIN - the transactions say XXXX XXXX XXXX XXXX and XXXX XXXX XXXX GA 6 ) No one had permission to log into my online bank account or have access to any of my account information, I was never in XXXX, GA so I myself did not use my own card to take money out at an ATM. 
7 ) After the claim was finished with being filed i was set with a new checking and savings account 8 ) 10 business days later {$1000.00} in total was sent to my new bank account - XX/XX/XXXX 9 ) No call was received from resolution team, no email for contact along with no email of suspicious activity 10 ) Went back to 10 High Wells Fargo branch and was told that all my accounts were to be closed and they were not told why - XX/XX/XXXX ) A letter was received in the mail explaining, my case was to be closed along with my bank accounts because it was claimed that I did it myself or gave permission to someone else for this. - XX/XX/XXXX 26th
Product: Debt collection

A debt from progressive insurance was placed for collection after I cancel and switched to another company. the account was removed off of my credit in 2014 from Credit collection services, llc the debt was recently paid to credit collection services in full. looking at my credit report credit control services has it on my credit so XXXX collections agencies was collecting on the same debt. I want this acct to be removed immediately.
Product: Credit reporting 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 USR 1681. account name -XXXX  account XXXX account name -XXXX  Account number XXXX account name - XXXXXXXX XXXX XXXX Account number XXXX Account XXXX XXXX Bank Account number - xxxx Account XXXX XXXX Account Number - XXXX Account Name XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Bank Account Number- XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section2. 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 reporting containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

PRA failed to send any validation to my correct address as noted in their previous response. They ONLY sent validation to a third party without knowing this data would reach me. They did not give me the option to dispute this nor did they inform me of my violation to do so. This is a violation of the FDCPA in regards to communications from debt collectors. 

" In fact there are cases that have coalesced around the proposition that " while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX. XXXX CV XXXX, XXXX XXXX XXXX, XXXX ( XXXX Ohio XXXX XXXX, XXXX ) ; see also XXXX XXXX Credit Bureau XXXX XXXX County , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

The reasoning in support of this interpretation is persuasive. See XXXX, XXXX WL XXXX at XXXX. While XXXX and related cases have focused on the " written notice '' phrase rather than the " communication '' phrase of 1692g ( a ), it  makes sense to interpret the two provisions in parallel. 

The clear purpose of this section of the FDCPA is to require any debt collector who contacts a consumer to give that consumer a specific notice and an opportunity to dispute the debt. This purpose is best served by construing " notice '' and " communication '' as applying in the same circumstances. 

Given the evidence available, this Court concludes that Plaintiff has shown beyond dispute that the XX/XX/XXXX letter is not Defendant 's initial communication with Plaintiff. As was noted above, Defendant sent this letter to an address where Plaintiff has never lived. In fact, there is no evidence that Plaintiff has any connection with the XXXX XXXX address at all. '' This is the exact tactic pulled by PRA with me. They knew they were sending off information to a third party knowing this was not my address as they were already provided this from the alleged original creditor right? This is a violation of my right as a consumer to dispute this account and receive proper notice of debt. If I was given this information at the time I would have disputed the validity back then. In fact, I have had to fight PRA for ANY proof for a debt they claim to be valid. This was all done through a third party that did not forward this information. 

This is on PRA as the debt collector to make sure that I was properly notified of this debt and given the chance to dispute. Instead I have had to deal with their continued harassment and defiance that they have continued to lie about. I have taken a significant time out of my life to deal with this predatory company and intend to sue for their numerous violations and illegal tactics.
Product: Credit card or prepaid card

CASE DESCRIPTION : This complaint is made against US Bank XXXX, as one of its subsidiaries, Elan Financial services is ultimately responsible. While well hidden, the policies are created but US Bank XXXX which is the responsible party in this complaint. 

Through a solicitation I received in the mail, I signed up for the Ent XXXX Credit Card ( offered by Elan Financial Servies, a division of US Bank XXXX. Part of the reason for getting this card was the generous 5 % that they offered for certain categories such as home utilities. Based on the solicitation, I decided to get the card. I selected XXXX XXXX for XXXX of the 5 % categories and incurred a convenience fee in order to pay my home utility, Colorado XXXXXXXX XXXX. The transaction posted at 1 % and when I called I was told this was an obvious mistake and that it would be fixed. When it was not fixed, I contacted Ent again and was told that Colorado XXXXXXXX XXXX, despite posting with the merchant code was not considered a utility as they do not have utility as their primary business. I am surprised as Ent is headquartered in Colorado XXXX and I would imagine pay a monthly bill to their utility company, Colorado XXXXXXXX XXXX. When I spoke to a supervisor I was told that this often happens when a business conducts business in more than one category, such as XXXX XXXX I checked the XXXX website and saw that they primarily sold - utilities such as water, gas, and electric. I could not order clothes or groceries from the XXXX website as they did not offer that, like XXXX XXXX I was then told that the terms and conditions said that there are some guaranteed home utility companies, but that the " millions '' of others " may or may not '' count towards the additional reward. Ent 's policy seems to be-we don't know what reward you might receive, but get our card and maybe, you might just possibly could have the utility company that you have providing your home utilities count as home utility. But, and I am adding my own interpretation, we will decide and you'll find out after you paid your bill. If we don't want it to count, then it won't, too bad, so sorry, try something else and even if the merchant code is the correct one, we decide-logic, fairness, and basic common sense doesn't apply as XXXX determines what is a utility.
Product: Checking or savings account

XXXX ) XX/XX/22 Bank of American ( BofA ) Advantage Savings Account XXXX XXXX XXXX opened. 
XXXX ) XX/XX/22 Transfer from XXXX XXXX XXXX initiated. {$10000.00} XXXX ) XX/XX/22 Transfer to BofA received/recorded. {$10000.00} ( from BofA statement XXXX ). 
XXXX ) XX/XX/22 Notification 1 from BofA that Account XXXX XXXX XXXX unilaterally closed. 
XXXX ) XX/XX/22 BofA account closing transaction listed as - {$10000.00}. ( from XXXX statement ). 
XXXX ) XX/XX/22 Notification 2 from BofA that Account XXXX XXXX XXXX closed. 
XXXX ) XX/XX/22 Final bank statement from BofA, covering XXXX. Account closed. 
XXXX ) XXXX? XXXX Check received from BofA, for {$100.00}. 
XXXX ) XX/XX/22 After multiple phone inquiries to BofA, XXXX has not received the check for the remaining {$10000.00} listed in the final account closing. At the most recent phone call, XXXX was told that he may not receive the {$10000.00} check for as long as 10 years.
Product: Credit card

This accounts is l listed as collection and/or charged off account with a past due balance and I am requesting the deletion of the charged off debt be removed from my credit report. In addition, I request an immediate update to my credit report reflecting deletion of the items.from my credit report. This is inaccurate because this debt is charged off and considered income. I should have received a XXXX to account for it as income and income should not be listed on my credit report..
Product: Credit reporting or other personal consumer reports

It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent. I urge you to take the necessary steps to address these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time.

As a result of this reporting error, my credit score has dropped XXXX points.
Product: Credit reporting or other personal consumer reports

I am not 30 days past due XXXX payment made XXXX. I am not past due {$480.00}. Remove late payment