23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company misapplied payments. The problem may have started in XXXX but I'm ignoring that. I requested a payoff quote in XX/XX/XXXX and started paying additional principal since I had a month where that quote was correct, which was through XX/XX/XXXX. The company mis-applied a payment to XX/XX/XXXX, which I noticed on XX/XX/XXXX and requested it be moved to additional principal. I then made payment through customer service for payoff toward the principal and wired more than the payoff amount ( I believe ) which they received on XX/XX/XXXX. Since the principal balance was incorrect, I had to make a big leap of faith that my calculations were correct. 

They have not yet made the correction, I don't know where the payoff wire is sitting, and I can not get a contact method to contact the payoff department. I have been told that I'm going to have to request yet another payoff quote after the fix has been made, but there is no activity on making the account correct and I can't verify the payoff amount I've sent in is sufficient since I'm not allowed to speak with or contact the Payoff Department.

I need to know that enough funds have been sent in to payoff this loan, I need to know how to contact the Payoff Department, and I need the misapplied payment to be fixed. If I need another payoff quote, I need that expedited.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX .... 
XXXX XXXX .... 
XXXX ACCOUNT XXXX .... 
XXXX XXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
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 Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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: Checking or savings account

I disputed this erroneous informations and I haven't received a response and I also submitted a police report
Product: Mortgage

Citadel paid my home owners insurance late causing my policy to be cancelled and payment to be returned ( to me ). 
I had to secure insurance on my own. 
This money came out of pocket. I had to wait on refund that the insurance company sent to me and this caused a late mortgage payment. I was told this would cause a late fee but it would be waived once everything was settled. It was not. 
Citadel also hit my credit score on XX/XX/XXXX and XXXX. Making two claims for one account!!! 
Additionally, this has effected my escrow and will ultimately cost me more money in loan interest. I have over 8hrs of personal time invested into this situation and Citadel has proven to care NOTHING about customer service. You can NEVER talk to the same person twice and everyone give you a different story.
Product: Credit card or prepaid card

I purchased a TV online with XXXX XXXX which I never received. The TV was supposed to be a legitimate XXXX TV. The first charge was supposed to be for a XXXX XXXX for {$2000.00}. Then after speaking with them it was switched to XXXX XXXX for {$3000.00} on their advice. Yet I was charged {$3200.00}. Bank of America refunded {$2500.00} but bank let the merchant keep {$720.00}. {$400.00} for shipping back and forth. And a 10 % restocking fee. 

Note : no tracking number was provided. I attempted to cancel the order once I knew it was a scam by saying that I found the TV somewhere else cheaper. I just wanted to be done with this company completely. The TV is not a legitimate XXXX TV.
XXXX does n't even authorize XXXX to resell their TVs. They also go by many different names as XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX. 

BOA did n't ask me for any of my documentation and XXXX only sent in documents to help their side but did n't send in all the corespondence. Bank in this case did not do their due diligence in seeing what a scam XXXX is. Please, help me to resolve this matter swiftly to protect myself other consumers from these unethical practices by this unscrupulous company. I appreciate your help in this matter. 

Thank You! 
Cordially, XXXX XXXX
Product: Mortgage

I have purchased a home and Wells Fargo is the financial institution servicing the loan. I pay roughly an extra {$500.00} to be specifically placed in my escrow account. In XXXX of this year my home insurance was renewed by the lender and they sent me a refund check for the rest of the money in the escrow account. I called and I spoke to someone letting them know that the refund was a mistake since the property tax and the mud tax were not paid and the escrow balance is now XXXX. The person assured me that they had the money in the account once again I reemphasized I did not think that is correct. The bank subsequently went ahead and paid the mud and property taxes now the escrow is negative almost $ XXXX, I called and I was told they advanced me the money which I clearly did not need hence why I paid extra into the escrow account. I was further informed that their intention is to add the total cost of the taxes divided by 12 to my note beginning XXXX. I find this practice to be dishonest and unethical it is a sly and cunning attempt to force me to use the institution funds in order for them to charge me some ridiculous amount of interest so they can maximize their profit. I went into a branch to speak to a branch manager, I was told she was busy and could not see me I could not speak to a mortgage specialist they said there was not one onsite. I spoke to an investment banker who could not help me to resolve the issue and prevent it from reoccurring. I tried escalating with Wells Fargo but everyone I spoke to is just trying to push me around saying they have limited access and they can not see the account, they do not know why it happened just everyone acting clueless when I am sure to cut the refund check there had to be multiple layers of approval before the refund check could be issued, no one had the common sense to say wait a minute it is XXXX why are we refunding this money taxes have not been paid yet.
Product: Debt collection

LVNV sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.
Product: Payday loan, title loan, or personal loan

I took out a loan 6 months back for XXXX dollars. My balance is now XXXX dollars and I cant afford to pay that. This will financially ruin me. The money compounds and I owe more each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capitalone Account ending in 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: Checking or savings account

I called in there and told them I didn't order I didn't open this account and they said I did but I didn't I don't have the card I didn't have nothing but they're said and then they're hanging up on me and keep calling don't answer and I want to count close down some amazing my name is my stuff to open my account and I need to close it fog
Product: Debt collection

I had a debt that is ready to be paid by New York State erap. The company refuses to answer my calls.
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under XXXX U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Product: Mortgage

Subject : Violation of Privacy Act of 1974 and Consumer Bill of Rights Dear CFPB, I am writing to report a violation of the Privacy Act of 1974 and my Consumer Bill of Rights by U.S. Bank National Association. Specifically, I was asked to provide my Social Security Number ( SSN ) by representative XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) without being informed if it was mandatory or voluntary, or if any statutory or regulatory authority authorizes the collection of my SSN and the uses that will be made of it. This violates 15 CFR 2004.28. 

On XX/XX/XXXX, I interacted with XXXX XXXX XXXX via email, and he informed me that we can not proceed without my SSN. However, he failed to provide the necessary disclosures required by law. As a result, I was denied my right to be informed, my right to safety, and my right to service. 

I am disappointed and frustrated with the services provided by U.S. Bank, specifically with regards to my recent application process. Unfortunately, my experience has fallen short of my expectations due to inadequate communication, lack of transparency, and insufficient knowledge displayed by XXXX XXXX XXXX. 

I kindly request the CFPB to investigate this issue and take necessary actions to ensure compliance with the Privacy Act of 1974 and the Consumer Bill of Rights. I request that U.S. Bank provide clear disclosure on the requirement and usage of Social Security numbers for applications and offer alternative methods for verification, if available. I have attached my communication records with XXXX XXXX XXXX via email for your reference. Please contact me at XXXX to discuss this matter further. I appreciate your prompt attention to this issue and look forward to a resolution. 

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

I AM ESCALATING THIS MATTER NOW AFTER EQUIFAX HAS FAILED TO THOROUGHLY INVESTIGATE THE FRUAUDELENT ITEMS ON MY CREDIT REPORT WHICH ARE A RESULT OF IDENTITY THEFT. I HOPE EQUIFAX RESPONDS TO THIS COMPLAINT IN A TIMELY MANNER THANK YOU.
Product: Credit card

I purchased a jacket via phone on XX/XX/2023 in XXXX, XXXX. The item was picked up on XX/XX/2023 when we travelled to that country. I reported a defect with the item in the direct on XX/XX/2023 but was told that the return policy is 14 days and hence I can't return the time and the store refused to fix it for me. I disputed the charged and the credit card, AMEX refuses to honor their obligation to protect my interest by confirming that the return policy is 14 days. However, 14 days should begin from the date I picked the item up and not when the store charged me for it. I am requesting a reimbursement of the cost of the jacket which is {$3000.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAVE SEND FOUR LETTERS TO THIS COMPANY REQUESTING VALIDATION OF DEBT FOR THIS ACCOUNT. THIS COMPANY HAS NOT RESPONDED WITH A SIGNED APPLICATION FROM ME. I'M UNAWARE OF THIS DEBT
Product: Money transfer, virtual currency, or money service

I have been using a company called Wise to send wire transfers to a construction company that is building a house for me. The most recent transfer was rejected by the recipients bank and returned to Wise. That money ( its nearly $ XXXX ) has now been stuck in Wises system for over a week which has created delays for my project and is costing me thousands of dollars. 

The customer service system that Wise has developed should be illegal. Whether you chat, call or email them all you get is front line customer service folks that have almost no agency to help with a problem like mine. They also have no ability to contact the team internally who can help. All they can do is email their colleagues and flag the issue. This means that we as consumers have no way to get in touch with the people at Wise with the ability to actually fix problems. 

Moreover, even this actually important XXXX XXXX is also unable to contact consumers via the phone. This means that you have to wait for them to email you but when that email arrives, it comes from a no reply address which means that unless your problem is resolved you need to begin the entire process again starting from square XXXX. 

Setting up a doom loop of a system like this should be illegal. It is scary to have a company withhold a significant amount of money from you due to an administrative error. And it is really frustrating to be powerless to fix it and at the mercy of similarly powerless customer service people. 

This is a serious problem and I hope the CFPB looks into it and does something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX  # XXXX {$180.00}, XXXX XXXX XXXX # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}
Product: Checking or savings account

On XX/XX/2021 during the XXXX XXXX sales, there was a website that was offering consumer electronics at a discounted price. I wanted to purchase a XXXX console and filled out my card details through a " secure '' transaction form and was charged {$100.00} on my Chase account. The transaction stated that it was done through XXXX by an anonymous pseudoname. Nevertheless, I recieved a tracking number through USPS and it said I would recieve the package in 5 days. Attached is an image of the transaction, the merchant name, date, and amount. 

I wait for 5 days and my package has not arrived. The tracking number says that the package was delivered but there was no package. I call Chase to dispute this transaction because I have not recieved the package and there is no contact information from the merchant. No e-mail, no phone number, no address. No information at all to reach out to the merchant. Chase intially credited back the original amount however, a month later, they charge me again for that amount. 

I call Chase to ask them why I was charged again even though it was disputed and I never recieved the item. They said that because the tracking number says that it was delivered, that means that the burden of proof is on me that I never recieved the package. I called the XXXX about this and provided them the tracking number to invesitgate what happened to this package. The XXXX discovered that the package was never meant to be delivered to my address and that this was a classic case of mail fraud. ( Attached is an email from them. ) You can check the tracking number on USPS website and see that the label was created but never shipped. ( Also attached ). This further proves that this was a case of mail fraud. 

I provided Chase this information and they investigated this issue again but I did not hear back. I call them to ask why I didn't recieve any update and they said they did not change their decision. They said that the matter should be resolved between the merchant and the consumer. There is absolutely no way for me to contact the merchant. I have explained this several times to Chase and provided all this proof and they still reject and ignore my case. I have never seen an investigation team so blind to the facts that they think that I was not a victim of fraud given all this proof.
Product: Checking or savings account

Bank closed my account in 2020 and continually sends emails saying " Your Comerica Web Banking account for User ID XXXX has been disabled. Please visit https : //www.comerica.comXXXX to reactivate your account or contact us at XXXX for assistance. '' I have called multiple times asking them to fix this IT bug and nobody has fixed it. The company is harrassing me and I do not even have an account with them for 2 years.
Product: Checking or savings account

On XX/XX/year>, I received notifications from CHASE BANK that my debit card was being charged on XXXX for some unauthorized purchases totaling about {$170.00}. It was charged a total of 4 times and my account was locked. Username changed and password changed. I disputed the charges with Chase bank first and they reversed the charges pending investigation. Now they reinstated the charges and said that they were authorized. when I called XXXX and told them my account was hacked they had to unlock it and recover it for me. But because I called my bank first to dispute the charges and it was reversed and reinstated by the bank XXXX claims the fund are now non refundable. Neither Chase or XXXX are doing what they are supposed to do. Which is to help their customers against fraud and situations like this.
Product: Debt collection

I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.
Product: Bank account or service

open a simply checking account in XXXX 2016 due to the promotional XXXX bonus have not received of this date called customer service was told did not received it because my son has me on his account what does have to do with the fresh account under my name that i open in XXXX have to do with the promotion very dissatisfied if the person at the branch would have told me that because my son put me in case of a emergency on his account i would have never open XXXX at this point i am looking into other company to do business with
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally due to the Equifax data breach.