23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXXi called the Wells Fargo Dealer services who holds my auto loan to explain my hardship. I explained that i would have the payment in a few days. I was told that it was fine and they would make a note. On XX/XX/XXXX i was called by Wells Fargo Dealer services about my late payment due. I explained to the lady by the name of XXXX XXXX or something like that. I was told by XXXX XXXX that she was attempting to collect a debt, i responded that i was aware of this issue and i would have the payment in by the following Tuesday or Wednesday. She explained to me that they did not accept mail in payments, i responded to her that i did not say i was mailing in a payment. This was repeated about 4 times as if she didn't hear anything i said. Finally i thought we were finished after i told her when i received my direct deposit i would go online and make the payment on their website. We hung up the conversation. A few days later i checked my account to see if i had gotten my deposit and noticed that i was overdraft over {$500.00}. I called the bank and reported unauthorized debit. The bank took the complaint and refunded the over draft. I called Wells Fargo Dealer services about this and requested to speak to a supervisor about this criminal act. The supervisor listened to the recording and admitted that i never gave any permission for this action. He asked me what i wanted in the way of a solution. My response was to him that at this time i was so angry that i didn't think it wise to make any decision at this time. I explained to him that i felt violated and assaulted. He proceeded to apologize for this act. However it was of no use to me. After taking a few days to determine my what action i should take i received another call from them. I asked that they would please not call my cell anymore as i am still stressed over the first incident. They literally violated my privacy and much more. I made the payment which was {$490.00} the original due was {$460.00}, today XX/XX/XXXX, I got another call about the next payment and now they are charging {$460.00} plus another {$83.00} for being 13 days past due. Why are they charging more this time than before? I wish to file federal charges against them but i do not know how. Could someone help please.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX none of theses accounts have validated the account to belong to me. XXXX have removed theses accounts from there Credit Reporting profile they investigated that the account were not mine
Product: Checking or savings account

I set up a new account with PNC Bank. They signed me up for a service which I later cancelled. It was during the free trial period. 

I reached out to PNC explaining that I was still being charged for the service and that I was also incurring a monthly maintenance fee. I was told by the representative it would be corrected and my funds would be refunded. They were not. 

The representative had emailed me her information previously. When I reached out to get to let her know that I had not received the refund, she ignored me. She has never responded. 

PNC has people sign up for items and then holds their money hostage when we cancel the service during the trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting ac XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit card

On XX/XX/2024, while reviewing my statement with Barclays Bank, I noticed an error in my balance. Upon closer inspection, I found that the bank was charging me interest as a purchase. The statement indicated that the interest was added to my balance as a purchase and I no longer use this card. Surprisingly, I discovered that the bank was treating the interest as a purchase each month and adding it back into my balance, resulting in them charging interest on that amount as well. Also stated I am making the purchases. This seemed like double paying on the interest to me, and I am unsure if this is a legitimate practice for the bank to follow.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered what I thought was a free credit report from Experian on XX/XX/XXXX.  Their website says, " Get your official Experian Credit Report Plus FICO score for just {$1.00} and at another portion of their site it says, '' Free Credit Report updated every 30 days. '' Today I got my credit card statement and their is a charge for {$21.00} from Experian for a credit report. I called XXXX XXXX, my credit card company and we could not speak to a real person at Experian. They have started a dispute about this with Experian. However, I believe that they are involved in false advertising. I did go back to their website and found a couple of paragraphs about free 30-day trial membership in Experian IdentityWorksSM Premium. To get the credit report I had to give them a lot of personal information and that is how they got what they needed for that membership that I did not sign up for. They just automatically put me in their monthly thing. I would never pay that much money for a credit report as there are many ways to get a free one. If you XXXX " free credit report '' Experian comes up
Product: Money transfer, virtual currency, or money service

I would like to file a claim against Cash app ( Block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically Cash app failed to take timely and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a user of XXXX  XXXX. I reached out to XXXX XXXX  to inform XXXX XXXX that Equifax and XXXX are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from XXXX and Equifax. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXX XXXX. Based on the time frame, XXXX XXXX  should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as equifax and XXXX XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.
Product: Credit card

This is the body of the letter I sent to Synchrony on XXXX, XXXX : I am disputing the transactions that were charged fraudulently to my account without my authorization or knowledge. My account was charged in XX/XX/XXXX with multiple transactions amounting to {$3400.00}. 
I did not make or authorize these transactions on my account and I am the victim of identity theft. I reported the identity theft to your company on at least XXXX occasions beginning in XX/XX/XXXX. I reported that I did not make or authorize any of the transactions that amounted to the {$3400.00} balance on my statement. Each time, your agents said it would be resolved. Most of the charges were removed and for some strange reason my account was left with a balance of {$290.00}. I have called you multiple times to try and resolve it. I did not make or authorize any transactions for {$290.00} and this amount should be part of the original fraudulent charges made in XX/XX/XXXX. 
The latest balance was {$510.00} due to added late fees. Despite the many times I have called you to tell you I do not owe this balance because and I am a victim of identity theft you continue to add fees and report late payments to the credit bureaus. Your actions have severely affected my credit due to the XXXX delinquency you reported. This situation is wrong and your company has made it worse. 
I am now asking you to provide proof that I made those charges. Please provide all the receipts, locations, and timestamps of when each of those transactions were made. I will continue to dispute any and all balances on my account since XX/XX/XXXX and will take this matter to the highest extent possible to make it right. 
The other and only fair option is for Synchrony bank to clear all balances from my account and to remove the derogatory late payments reported to the credit bureaus and to restore my great credit standing. Please contact me soon.
Product: Debt collection

IC Systems contacted me about a debt for {$380.00} that I don't owe. They call me from spoofed numbers in order to get me to pay for a debt I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with ACIMA CREDIT XXXX XXXX  was open on my credit report for {$4800.00} on XX/XX/XXXX. The status of this account was updated on XXXX XXXX. I have no knowledge or recognition of this account that is reporting on my credit report. So I did not pay this company. This account updated again on XX/XX/XXXX reporting that I know owe them a total of {$5000.00} on an account that is now past due and written off. Under the 604 fair credit reporting act this company is not allowed to report fraudulent or inaccurate information to harm the consumer credit report. The 604 fair credit reporting act also states that if an account is written off then the consumer is no longer responsible for this debt after 180 days of the account being written off. Remove this account immediately!
Product: Checking or savings account

I am writing to file a complaint against SoFi Bank for their failure to allow me to access and withdraw my funds due to a systems error, as well as the subsequent poor customer service I received when attempting to resolve the issue. 

On XX/XX/XXXX, after enduring months of subpar customer service and an overall negative experience with SoFi Bank, I decided to close my savings account. I attempted to transfer the remaining funds to my original bank, XXXX XXXX, which was the same institution I used for the initial ACH deposit into my SoFi account. However, SoFi Bank was experiencing a systems error that prevented me from completing the transfer. 

After multiple attempts to verify and re-verify the account through SoFis website and confirming with XXXX XXXX that their systems were operational, I reached out to SoFi Banks customer support to remove my funds from the account. The support representative indicated that the issue was due to an internal systems error at SoFi Bank and informed me that my only alternative option was to wait for 30 days to receive a paper check for my funds. 

I believe this action is a violation of my rights as a consumer. If I choose to withdraw my funds from a bank, I should be able to do so promptly and without unnecessary delay. SoFi Banks inability to provide a timely solution and forcing me to wait 30 days for a paper check is unacceptable. The bank should have provided an alternative method to access my funds, especially given that the issue was on their end. 

Despite my efforts to resolve this issue through multiple conversations with SoFi Bank, I was met with consistently poor customer service, and my concerns were not adequately addressed. I have attached a screenshot documenting the situation, which clearly shows the lack of response from the representative regarding my issue. 

As of now, my funds have not been transferred, and it appears that they are effectively locked in my SoFi Bank account until either the systems error is resolved or I am forced to wait 30 days for a paper check. This situation is causing significant inconvenience and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that SoFi Bank provides consumers with fair and timely access to their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.
Product: Credit card

When trying to find out when a balance transfer promo apr expired we found out that citizens credit card will not provide that information on your account details on the website or through the statements. This is important account information specific to interest rates that needs to be included on consumer statements.
Product: Vehicle loan or lease

True testimony in a affidavit form I XXXX : XXXX secured party creditor, authorized representatives for XXXX XXXX and my daughter XXXX XXXX went to The Dealership dba XXXX XXXX on XXXX XXXX, at the XXXX territory. After running my credit giving them access to my social security number ( my credit card ), the sales man came and told me that I was approved to get a car. But they say I was only approve a cheaper less value automobile which will allow me to build my credit. I told them that once my credit is approved I can pick what I want. so anyway I agree to take less value auto. Then They said I had to put a downpayment which at this point I told them the law do not require me to put any cash down 15 united states code 1605 all transaction are paid infull. Sales man stated bank said if you want this car you have to pay the down payment, So under duress I give the FRN 'S. now after 2 years of giving Ally frn '' s I filled a 1099a with the internal revenue department that was access by the Treasury and I filed Ucc-1 financial statement. after all this Ally responded back and we can not accept any more payments. XXXX months they repo ( stole ) my car. And sent a letter stating I owe the XXXX in cash if I want my car back. Please help.
Product: Debt collection

I paid my copay for medical services at the time of service. XXXX XXXX did not give me a receipt, but they said they would mail the receipt to me. A long period of time went by and I received a letter from XXXX saying I owe the money. I made contact with them on numerous occasions explaining that I already paid them. They have now referred me to Progressive Management Systems and ( PMS ) is threatening me with legal action if I do n't pay them.
Product: Debt collection

I have repeatedly received harassing calls from Mr. XXXX at Bilateral credit telephone number XXXX ( reference # XXXX ) representing XXXX a former company I worked for on charges that I expensed or was trying to figure out why they were not expensed and paid for and he : 1. Used scare tactics and threatened to ruin my credit 2. Threatened to take legal action 3. Left a very abusive voicemail transcribed here : " You have no intention, no integrity, no morals in resolving this on a voluntary basis. Please be advise this has been reported to your credit and will remain there for 7 years. Collection activities will continue, this does not go away '' I feel threatened and upset at the fact that this person in questioning my character and making assumptions based on a debt.
Product: Debt collection

I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.
Product: Credit card or prepaid card

I noticed there was a charge for cheap flights from XXXX to XXXX of {$100.00}, there was also a {$3.00} foreign transaction fee. I called TD card services when I noticed it and reported this as fraud. They said they would send a letter to me within XXXX business days. 

I know for sure I did not authorize that amount of {$100.00} or the amount of {$3.00}, but it was approved anyway. It's fraud, and TD bank sent the investigation letter, and I opened the letter today. The letter stated they investigated the matter and concluded that the fraud did not occur because it matches similar sorts of past expenses I made ( my spending pattern ), which doesn't rule out that it is fraud. I know I did not make that purchase regardless of any past purchases I might have made, which is why I called them. I would have not called if that was within my spending pattern. Also, the letter only addressed the {$100.00} amount, but I also mentioned the {$3.00} foreign transaction fee as fraud as well when I was on the phone with TD bank, so in total it is {$110.00}. 

The letter was sent to me on XX/XX/2023. I just opened it now. I filed the complaint on XX/XX/XXXX. The fraudulent charges were on XX/XX/XXXX and XX/XX/XXXX. I still have not gotten refunded and I actually had to pay for these fraudulent charges, so my credit doesn't go down, but again they are fraudulent charges that were approved by TD card services, and I don't know how the fraudster got my credit card info, but I don't feel like there was a proper investigation to determine that. I make a lot of online purchases with valid companies, so I would think maybe someone got info online.
Product: Checking or savings account

Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. 

The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.