23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I want receive some money from my friend as usual, but the transaction is pending and I need to provide document, I chat with the representative and she needs my to upload proof of address I provided all the document which they need, but I received a account close letter today. I have no idea about that, I use this account for so many years, and I obey the XXXX XXXX XXXX, why did they close my account? 


company name Wise Us
Product: Checking or savings account

My name is XXXX XXXX I need help with my dispute claim XXXX for {$20.00} it been months I never hear back about my claim now its is XXXX no update yet I need a update about it and please process it and credit my money back to my account Account number XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

A thief has intruded on my XXXX XXXX card twice and stole out of both times, second time recognized me at a store after he had charges filed for stealing my card then the money off card ilived on XXXX XXXX in XXXX indiana XXXX area wen card then was changed to another addy then funds were removed. inever knew about fraud thru alerts or anything till i called to find out where disabilities monies didnt get placex on card on day was supposed to be deposited. Come to find out they tried to gather and change all my mailing info and then passwords. This was possible as they stole mine and spouses id 's and social sec cards and birth certificates. The only thing didnt have was pin numbers. But as the theft happened the second month i found out the pin was somehow bypassed. XXXX   XXXX tho has police report from XXXX district of the Impd fraud unit. XXXX   XXXX took longer then the 90 days allotted and then wen i called quickly sent letter after my inquiry that no fraud took place to avoid admitting they had no security that a person intruded and changed my account. They never investigated and then i lost home and bills sky rocketed as i cldnt pay bills like i did every month. I never got my money back so basically they robbed me a third and fourth times.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noted items on my report that are fraudulent accosts and inquiries. I have filed a Theft report with the FTC and have it attached. Please remove the following fraudulent accounts from my credit report. 
XXXXXXXX XXXX Acct # XXXX, in the amount of {$2000.00} XXXX XXXX Acct # XXXX, in the amount of {$1100.00} XXXX XXXX Acct # XXXX, in the amount of {$660.00} The following inquiries are included in the fraudulent accounts on my report ; Please remove these also. 

XXXX, XXXX ; rXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,
Product: Debt collection

It was a debt originally from XXXX XXXX XXXX company Now owned by Credit collection services date XX/XX/2020 amount {$330.00} what happened was I Uptained automobile insurance from XXXX XXXX and because of a mistake they made they tripled my insurance rate and all this during covid 19 which I lost my job and told them I can't afford triple the amount and let them know I was canceling service because I lost job and couldn't afford triple the amount because they made a mistake they said ok and that was that then they put it on my credit which I have disputed and get no response please have them delete this from XXXX  XXXX  and XXXX  thank you so very much how can an insurance company sell this to a collection company during covid19 its not right and destroyed my credit please help me the company is CCS Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ... phone number XXXX
Product: Bank account or service

XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.
Product: Bank account or service

I was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Bank of America. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction.
Product: Mortgage

Fifth Third offered a 0.25 % discount if mortgage customers signed up for autopay with a Fifth Third checking account. But the autopay feature is not smart enough -- it transfers funds from Fifth Third checking to pay the Fifth Third mortgage even on months when there is no mortgage payment due ( and therefore I put no funds in the checking account ). As a result, the checking account is overdrawn and Fifth Third charges {$25.00} fees on the mortgage account every time to reverse the payment attempt. When I contacted customer service, they said these fees are not able to be refunded. 

There is no way for a customer to see on Fifth Third 's website whether autopay is active, or to turn autopay on, turn it off or pause it. Each of those actions requires contacting the company. 

This seems unacceptable. Customers should reasonably expect that Fifth Third 's autopayer is synced up with other parts of its system -- enough to not try autopaying a bill that is not due. In the very least, customers should be able to view whether autopay is turned on and they should be able to turn it on, turn it off or pause it from the website or app. 

Thank you for looking into this matter. It seems like these improvements will only happen as a result of visibility with the CFPB.
Product: Checking or savings account

I opened a Citi Priority checking and savings account on XX/XX/2021. They were supposed to deposit {$700.00} after 90 days of maintaining a minimum balance of {$50000.00}, which I did. They give themselves an additional 90 days to make that deposit. It is now XX/XX/2021 and I have never received their advertised bonus despite meeting all requirements and having called numerous times. I would like them to pay the bonus plus interest.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX  The information listed on the attached documents, which appears on my credit report, is the result of that XXXX
Product: Vehicle loan or lease

ally auto finance gave me a 14.2 % loan inhumane rate then covid came and law allowed for 3 month extension. after making 7 payments of XXXX $ they took it all as interest almost 7,000 and XXXX to principal. this should be illegal. it is inhumane, cruel, and not possible to manage specially in hard times
Product: Credit reporting or other personal consumer reports

Someone tried to open a credit card account in my name through JPMCB CARD on XX/XX/2023. I found this in XXXX XXXX XXXXXXXX XXXX. I called JPMCB in XXXX to inform them of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint attempt I have made to get the is issue resolved with your company. My first complaint was sent to the CFPB on XX/XX/21, and that complaint was sent back due to you stated that my complaint was submitted by someone other than my self. This could not be further from the truth. My complaints with your company are 1000 % legitimate and 1000 % from me and me only. 

Your company has shown no attempt to get my issues resolved. All you have done is at every turn attack my character, belittle me and my complaints, and cause me mental, physical and emotional stress. I feel that your attempts to circumvent the rules set out by the FCRA. I also feel that this behavior on your part is a direct reflection of how you treat people of XXXX in this country. You have done nothing to aid my is correcting the issues with my credit profile even after I notified you that my information was compromised during the XXXX data breach which was 1000 % you fault due to your negligence. 

My original letter advising you of the issues you have caused due to your knowingly false reporting was sent in on XX/XX/21. Todate you have still ignored my complaints even though they are 1000 % valid and based on the rules set forth your failure to respond or act in a appropriate manner and remove all the questionable accounts and information in question presents a clear and present reason to remove all the inappropriate data in question. 

Please act accordingly and conclude your investigation and remove all the questionable and false reporting data in question due to you have had more than 30 days. This gives a clear and present reason to immediately remove those items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act s the credit bureau, 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 an account without my written instructions. 

However the credit bureau is reporting XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX
Product: Mortgage

acct- XXXX wrote a letter and contacted CFPB stating in detail what I was complaining about!!! 
XXXX XXXX wrote a letter as I have recieved before at least XXXX times from other people saying same old non-sense! 
Tell us what you want give details explain, tell us about your situation in detail etcccccccc.! 
It is what they keep doing the CFPB needs to investigate this company Wells Fargo Home Mortgage. I have explained everytime the issue in detail. They are insulting me and trying to get over on CFPB. I am asking the CFPB to investigate and take action because they are probably doing this to many people and it 's not fair and intentionally deceiving. 
I have so many letters from there asking the same things as if we are dumb and ca n't understand. 
We ( my brother and I are furious ). 
I am also hoping everyone on this web site as well as all the other websites that I have utilized and do not do business with this company WELLS FARGO HOME MORTGAGE. 
They are liars they fool you, ruin your credit when it is not your fault. they do n't care about their customers.If you need all my documentation I have it to give asap. 
They take no accountablity!!!!!!!!!!!!!!!!!!!!!!!!!!! 
PLEASE CFPB PLEASE INVESTIGATE? 

XXXX and XXXX
Product: Mortgage

Freedom Mortgage states in their payment script that if a payment returns they may make a 2nd attempt to withdraw funds. A payment was submitted prior to XXXX and due to an auto withdraw error it returned. Freedom mortgage did not make a 2nd attempt without advising that they would n't which caused the payment to go over XXXX. Upon speaking with them and advising it was unfair and deceptive I was advised by a supervisor that it would not report. 11 days later I was sent a letter advising it would report and upon calling the mortgage company I was advised that none of their payments make a 2nd attempt, or that " only some depending on the bank '', but they would not provide a list of the type of transactions that would make one, and when brought up that the initiating bank makes the decision to withdraw twice, I was advised that " it just depends '' and that it did n't matter because their script says " it may ''. When brought up about the prior discussion with a supervisor, I was advised I would have to give them the date for them to find the notes, and then afterwards was told there were no notes from a supervisor. I asked for them to pull the call, as well as why they would say there is n't notes reflecting a supervisor agreeing the legal script could be deceptive and advising it would n't report, and then was told " they ca n't confirm or deny ''. 

If the legal script did not imply a 2nd withdraw would occur, I would have known and been able to correct this prior to XXXX, however because I was waiting for a 2nd attempt and not submitting an additional because I could not pay 2 mortgage payments, the company is now blaming fault on me as the customer for not knowing that " may withdraw '' would mean it would n't. This is clearly deceptive and unfair, as the initiating bank is the one who decides to make a 2nd attempt or not. Generally there is no conditions on what types of returns this happens for, and the company can not provide a list to their customers so that they are being transparent. It is also completely deceptive that a supervisor would promise that it would not be reported due to those factors, and then when the company decides to do it anyways there is suddenly no record of this and they are completely unwilling to rectify it.
Product: Mortgage

I am facing foreclosure on the home I have owned for 14 years because of misrepresentations and unethical foreclosure practices by my loan servicer Rushmore Loan Management. I have tried repeatedly to be reviewed for modification, forbearance or retention options but instead of conducting an assessment of my current financial circumstances I am given the runaround. Each agent I speak with tells me I am eligible and can apply, and when I do a different agent tells me that I need to document more income to qualify. I tell them that I provided additional income in my paperwork, but they refuse to look at the information and I am stuck in a hamster wheel unable to escape as Rushmore misleads me and pushes me into foreclosure. 

My husband I purchased this home in 2006. We paid our mortgage as agreed with no issues until my husband took his own life a few years ago. Besides the grief and heartbreak I was also put into a difficult financial position since I was now the sole breadwinner. I kept up with the mortgage payment as long as I could but as I struggled I reached out to Rushmore to consider me for a loan modification. Instead of conducting a review of my current financial circumstances, I have been repeatedly blocked and denied. It is beyond frustrating. I have a good paying job as a nurse, and we paid our mortgage on time for 11 years. As explained, my husband was distraught and took his own life and this created a difficult situation for my family. I began reaching out to Rushmore to see if they would work with me towards a loan modification but I got the runaround, transferred from department to department and every person telling me something different. I applied for help on multiple occasions, but no one ever reviewed my financial information. The Rushmore agents tell me that in order to qualify I have to provide additional income. I have provided this information as I now receive SSI income and have family members renting rooms in the home, but their agents refuse to consider the change in financial circumstances or even look at the documentation. I have the desire and ability to pay, and if Rushmore was to complete a fair and transparent review of my current financial circumstances they would see that I qualify. Instead, they keep ignoring me and giving me multiple excuses and making misrepresentations about what I can do. The entire time I am falling farther behind and at risk of foreclosure. This is an avoidable foreclosure and there are multiple options available.
Product: Credit card

I've always made sure that payments on this account are timely, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting

There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.
Product: Debt collection

In XX/XX/XXXX I had a surgical procedure. Prior to the procedure I was told to pay ( I do n't remember the exact amount ) about {$600.00} upfront to cover charges that my health insurance company did not cover. At that time, I asked the hospital if this was their final bill or would there be any further bills after the procedure. I was told NO, no further bills would be forthcoming. A month later I got a bill for {$220.00} and have been disputing it ever since based on what they had told me prior to the procedure. Yesterday, XX/XX/XXXX, I contacted Nationwide Recovery Services - XXXX - and told them I would pay this disputed amount if they would confirm to me, in writing, that they would remove this derogatory information WHEN they receive my payment. The person I spoke with ( XXXX XXXX ) informed me that they were unwilling to provide any such assurances to me. So, I 'm between a rock and a hard place. I 'm willing to pay a bill that I do n't owe but the collection agency will not confirm that it will be removed from my record WHEN they receive my payment. This is simply outrageous.