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

On XX/XX/2020 I started receiving phone calls on my cell phone - non-stop. I called my cell phone provider to report that my phone wouldn't stop ringing from unidentified numbers. 
12 hours later, I found out that someone XX/XX/XXXXout almost {$15000.00} out of my checking account. Initially, they made two deposits XXXX XXXX and XXXX ) then transferred money out of my account by hijacking the network. I had spotted the transfer on the same day, called the bank filled a digital fraud claim, explained to the representative what had happened that that someone used my phone to complete the transactions. I had requested that these transactions would be denied because they were in the " processing '' status. 

Bank of America representative kept on asking me whether I had called in earlier that day, and then had confirmed with me that someone called the bank, claiming to be me, but was unable to bypass security. 
I filled a police report at XXXX XXXX Sheriff Station on the same night. Two hours later all calls have stopped. ( I am attaching a screenshot of the calls so you can reference the frequency of the incoming calls ). 

XXXX has a record of all the incoming calls, which there are almost 70 pages of incoming calls ( which an operator from XXXX had confirmed with me ). 

On XX/XX/XXXX, I have received notification from the bank that Bank of America will not honor my claim because " their investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ''. 
Bank of America - never looked into the fact that my phone was accessed by criminals hacking the network!! Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft from XXXX from my taxes, a stolen wallet and more recently the Equifax data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.
Product: Payday loan, title loan, or personal loan

While I am not currently experience personal issues with my account with West Creek Financial, I am under the impression that their lending process is not entirely legal. On XX/XX/2018 I agreed to buy a mattress from what I was told was a wholesale retail vendor and opted in for them to finance my purchase of {$300.00} with a {$40.00} downpayment. They made the application process quick, I was told my total was {$300.00} with a {$40.00} down payment required, that the rest of the payments would be done in payments of {$25.00} every other week and I agreed to this. However when the signing process began the agent generated an electronic signature for me, turned the laptop screen towards me and quickly scrolled the pages down and tapped to apply my signature for me for every line. She made the comment that her husband does not even turn the laptop towards customers. There was never any mention of interest, that the item was rent to own, or that if it was not paid in 90 days that I would be charged 45 % more bringing the total payments to {$650.00}. It is in the documents they signed for me without allowing me to read, as they did print a copy to send with me. Also in the documents the " {$40.00} down payment '' is an initial payment that did not apply towards my balance. I know that this entire process violates the Truth in Lending Act, as the fees and full disclosures were NOT PROVIDED UNTIL AFTER THE TRANSACTION. Upon searching this company I have found several other people who has been scammed by this company as well.
Product: Credit card or prepaid card

BARCLAYS BANK OF DELAWARE REFUSING TO ACCEPT PAYMENT FOR DEBT THAT HAS CAUSED A LIEN ON MY PROPERTY. 

A lien was put on my property back in XXXX after a credit card debt was not paid. Barclays put a lien on my property which I only became aware of 2 months ago ( XX/XX/XXXX ) since I was trying to refinance my home. My ex-husband ( who caused the credit card debt ) had recently signed off the deed and my attempts to resolve the issue have failed, due to lack of cooperation and information from Barclays in order for the debt to be paid. 
The credit card debt was sent to a lawyers office in charge of collections for the credit card debt. This was temporary and we were told by his office that the debt was back in Barclays hands. 
Barclays has refused to accept the payment to tell us where the payment should be and that if we did send a payment we would NOT get a receipt. 

The lien on the property wont go away until the debt is paid. We have the money to pay this debt but we are told that they cant give us information on this account and they cant talk about it. For a month now ( starting XX/XX/XXXX ) we have tried to contact Barclays using many different phone numbers in order to somehow get an answer. 

( In comparison, XXXX XXXX sent a letter stating the amount of the debt for that card and that once it was paid the lien would be removed -- we received the letter within 48 hrs ) It is incomprehensible that Barclays is not being helpful in order that they receive the {$5000.00}. We want to pay this so the lien is taking off the property. We hope someone can help us through this frustrating time. ( penalties are still being added to the account each day since we cant pay for it. Settlement has been cancelled once due to this situation. 
BOTTOM LINE : We need Barclay 's of DE to tell us how we can pay off the debt that is owed to them. An address, a receipt and a letter to let us know that the lien will be removed once the debt is paid! Only then can I move forward with refinancing this home. 
Thank you,
Product: Checking or savings account

This is the second time Bank of America has sent me a promotion and not honored it. The first time they claimed I didn't meet the qualification, and I let that go. However, this time not only did I meet it, but they admitted to me meeting it and refused to honor my promotion. The promotion code was XXXX and it stated {$500.00} had to be deposited into the account within 6 months and you will receive {$200.00}. I meet the qualifications the beginning of XXXX and I gave them until XXXX to make the deposit. When I called to question why I had not received the funds it was escalated and the refused to honored it. When all call to see why it was not honored they stated they will not going to honor the promotion even though I met my qualifications. The result I am looking for is for the bank to honor my new savings account promotion, as well as my new checking account promotion. My savings account was opened on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX XX/XX/XXXX is still reporting. Is this as been dismissed on XX/XX/XXXX. Please remove from my credit file ( inaccurate information )
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I ordered a couch and two side chairs from XXXX XXXX for a total of {$3900.00}. I paid for the purchase with my Citibank debit card and the entire amount was taken at that time. I was provided a delivery date of " XX/XX/XXXX. '' I checked on status of the order several times in XX/XX/XXXX with no response. 

I inquired with XXXX XXXX customer service and XXXX XXXX, Director of Customer Experience personally and never received a response. As of XX/XX/XXXX, my orders were " Cancelled '' by the company and I was referred to XXXX XXXX to file a formal complaint. I never received a response from them.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please DELETE the accounts : XXXX XXXX XXXX, XXXX XXXX CARD SER XXXX
Product: Credit reporting or other personal consumer reports

I want to report XXXX for incorrect information on my credit report and unauthorized inquiries.
Product: Checking or savings account

I was scammed out of {$7000.00} and I reported it to BECU. I had to get a new account and new online profile. Scammers hacked my account and profile and XXXX XXXX account as well. I had to recreate all my accounts and reported it to the bank. BECU reimbursed me but a month later told me to pay it back in XXXX days and I told them, I was scammed but they said it doesn't matter. If I don't pay in XXXX days that they will report me and not able to open other bank accounts.
Product: Debt collection

Rozlin Financial Group Inc ( RFGI ), XXXX XXXX XXXX XXXX, IL XXXX has placed a collection item on XXXX, XXXX and XXXX credit report in the amount of {$1800.00}. I do not owe this debt with RFGI and it is negatively impacting my credit score. I requested a signed documents showing that I've done business with them and they sent me documents from another company but not RFGI. I filed a complaint with XXXX XXXX XXXX as well and RFGI refused to remove this item from my credit report. This is a violation as a consumer and I request this item be removed from my personal credit report. Thank you
Product: Checking or savings account

Unauthorized Charge - Claim Number : XXXX I am writing to follow up on my previous complaint regarding the unauthorized charge on my Wells Fargo account and to express my continued dissatisfaction with the resolution provided by Wells Fargo. 

Background : On XX/XX/year>, I discovered an unauthorized charge of {$1000.00} on my account and rightfully reported my card as stolen. Following this incident, I had to replace my phone, phone number, ID, and card because it was all attached to my Phone via XXXX wallet. Wells Fargo initially provided a provisional credit of {$1000.00}, which was later reversed when they denied my claim, stating the transaction was authorized and there was no processing error. 

Response from Wells Fargo : Wells Fargos response indicated that their investigation confirmed the transaction was authorized and advised me to follow up with the merchant for further recovery efforts. They also mentioned that I could request documentation used in their decision-making process. 

Additional Concerns : During a phone call with an executive officeXXXX on XX/XX/year>, I felt as though I was being interrogated when I am the victim. The officer questioned me about emails from XXXX and other details regarding my new phone, which made me feel my words were being twisted because I am not as good with verbally using my words due to my XXXX. This approach was upsetting and made me feel disrespected as a long-time customer. I have been with Wells Fargo for almost 10 years and have never an issue like this on my account. When I have a genuine issue, this is how I am treated? I want to make it clear that I did NOT authorize this purchase. I request that further communication be conducted in writing ONLY, to avoid any further misinterpretation of my words. I will not be taking any phone calls. 

Additionally, I am attaching a photo that shows I had to order a new phone, which also includes the new phone number that has already been linked to my Wells Fargo account. This further supports my claim that the transaction could not have been authorized by me and that I had to completely get a new phone and number.
Product: Checking or savings account

Hi, I set up a direct deposit with chase and was supposed to recieve my paycheck on Thursday. My employer says that they have already provided the funds but chase claims that they don't see any incoming transactions. It's Monday now and chase banking claim that they can't do anything. I still don't have my pay and no way to fund out where my money ism Chase has been nothing but unhelpful.
Product: Credit reporting or other personal consumer reports

I've already written to the company several times about the accounts that appear on my credit report. I asked them to look into it, but nothing was sent to me. The account reported is still on my file for months now and it has a negative impact on my credit ratings. Please help me contact the companies to investigate the disputed accounts and show me any proof it is reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is 7 years old. Account is also paid. Creditor ( XXXX ) admits they have wrongly reported as opened in 2020. 

I ask Equifax to verify information. They say its already been disputed. I ask what verifying information they have, they say it must have existed at some point. How very convenient. 


This information is inaccurate and needs to be deleted.
Product: Vehicle loan or lease

On XXXX XXXX I submitted a complaint regarding Title XXXX subsection XXXX of my SCRA rights being vuolated as the original document stated that I am waiving my rights and per this act, I do not have to. This was after countless attempts of getting them to amend this document without success- it took until submitting a complain through CFPB that they did something about it, and amended the document. 

However, after reviewing their response and updated waiver, it is much better than the first one they sent me. However after meeting with my lawyer again about this, there is still some issue with the verbiage : it still states that I voluntarily and knowingly waive the protections against repossession afforded under the SCRA. Instead it should say " I am willingly utilizing my rights to surrender the vehicle under the SCRA '' as I do not wish to waive my rights. This should be corrected and the issue would be resolved. Otherwise it feels like their is a hidden motive by stating that I waive any part of my right.
Product: Student loan

I would like to report some massive fraud and illegal activity by discover student loans. I uncovered it this month after they made changed to their website. 

I am in their autopay program, and for the past several years I 've made additional payments and the minimum monthly payment ahead of the due date through their website. Once the payment was made, my autopay on that particular due date would be cancelled, since I paid my loan early. 

Since the recent update, I 'm told if I pay the minimum payment early, they 'll still withdraw the minimum payment for the month. I asked them what happens paying the monthly payment twice in a given month, and they said it 'll advance the payment due date. They said it 'll still take the money out on the 2nd of every month but will advance the due date. I told them if I pay the minimum payment early, they shouldnt be taking the money out again. I told them I dont want to advance the due date, and they said there 's nothing I can do. 

Another concern I brought up to them, is when I try to make an additional payment to pay towards principal and not the minimum payment, it wont allow me now. When I try paying money towards principal, it 'll go first to the minimum payment of the month and the rest towards principal. But, they 'll still withdraw that same amount with autopay during the month. The representative told me, that I wont be able to pay money towards principal of my loan from the 15th of the month until the 2nd. I feel that is unfair, and if I want to pay extra money towards my loan, I should already be allowed too. I feel misapplying payments, and incorrectly applying them, is being done purposely by discover to prevent people from putting extra money towards their loans.
Product: Credit card

I am writing to complain about CITIBANK, NA, who violated my privacy by providing my private information to a third-party debt collection agency. I am a consumer who has a credit card account with CITIBANK, NA. I received letters from a third-party debt collection agency, XXXX XXXX XXXX XXXX attempting to collect on a debt. I was surprised. I wrote to the debt collector and asked them to prove I owe them. They sent me private information and they obtained this from CITIBANK, NA. 

I am very concerned that CITIBANK, NA provided my private information to a third party without my consent. This is a violation of my privacy rights and the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from sharing consumer reports with third parties without the consumer 's consent. 

In addition to violating the FCRA, XXXXXXXX XXXX XXXX may have also violated the Gramm-Leach-Bliley Act ( GLBA ). The GLBA requires financial institutions to protect the privacy of their customers ' financial information. XXXXXXXX XXXX XXXX XXXXs disclosure of my private information to a third party without my consent may be a violation of GLBA.

I am requesting that the CFPB investigate this matter and take appropriate action against CITIBANK NA. I am also requesting that the CFPB provide me with information about how to protect my privacy rights in the future. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX Laws that CITIBANK, NA violated : Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting a collection account XXXX XXXX XXXX. I have contacted Experian via mail five times regarding this account. This account does not belong to me. I have asked Experian to validate this debt and provide me with proof that this account was properly verified. Experian has failed to do so they put the responsibility back on me by telling me to contact the creditor. Experian has refused my dispute request stating account has been verified but has not provided me with any information regarding the steps used to verify this debt including the name and number of the person contacted to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few failure to notate account is disputed by consumer, loan type incorrect, balance amount wrong, how is it scheduled payments on closed account.Theres a lot more errors please see attached files. 
Also XXXX XXXX  Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few failure to note account is disputed by consumer, charge off amount different from balance, original monthly payments inaccurate.There are a lot more errors on account please review attached files. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. 
Additionally XXXX XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well.Just to name a few failure to notate account is disputed by consumer, debt buyer who bought debt not listed.Please see attached file for additional errors. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.
Product: Credit card

In XXXX I made a charge with XXXX and authorized them to make monthly charges on the credit card for their services. When the services were not delivered as promised I discovered that the company fails to provide a mechanism for contacting humans to solve problems, After several attempts to contact someone, I decided to terminate the relationship and cancel the credit card payment. I contacted Chase, the card issuer, and placed a block on the credit card account. I received a confirmation from Chase that the account was blocked. I then went to the vendor 's site and canceled the service. Shortly thereafter I received a notice of a charge to the card from XXXX for the cancellation fee. When I contacted the bank they indicated that a customer card block on an account does not prevent vendors with authorization to make recurring charges from making further charges and the recurring charges can only be stopped by the vendor, not the customer. This is absolutely absurd -- it prevents a consumer from controlling, withdrawing and managing their credit cards and places the consumer in a disadvantageous position since the merchant controls the situation.
Product: Vehicle loan or lease

I traded in my vehicle that was financed through Ally bank on XX/XX/XXXX. 
I received a letter from Ally dated XX/XX/XXXX that I would be receiving my Gap refund directly from Ally within 60 days of the official payoff date which was XX/XX/XXXX. 
I waited the 60 days and had not gotten the refund so I called Ally to find out where my check was. I was then advised that they had not received word that the Gap had been cancelled and I had to contact the dealer to do that. After months of trying to get help from the dealership, they finally sent the cancellation form to the Gap company. I still never received the refund. 
Finally I called Ally again to make sure that the cancellation was sent to the right Gap company and they gave me the phone number to the Gap company. I called them and they told me that the Gap was cancelled on XX/XX/XXXX with an effective date of XX/XX/XXXX ( date of trade in ). I asked if they are supposed to send some kind of proof of cancellation to Ally to let them know its been canceled and he said no, they should have that information and that Gap refunds come from Ally. 
I immediately called Ally back to let them know when it was cancelled and that they should send me the refund. I was told that the dealership would refund me. I told her the letter from Ally that I have in my hands says that Ally is who the refund will come from. I asked to speak with a manager and was put on hold and then disconnected. 

They are holding my money, refusing to refund and giving me the run around. It was been
Product: Money transfer, virtual currency, or money service

I purchased XXXX through PayPal but was unable to transfer the XXXX to my personal wallet. Customer service stated that it was due to a security issue and that ability had been frozen. They were unable to specify why my ability to transfer funds was frozen or deemed a security risk, unable to override the freeze and unable to offer a definite time before transfers would be available. This all occurred today, XX/XX/23 around XXXX XXXX. The inability to transfer my funds is in effect freezing access to the. I was told I would need to wait anywhere from 24-72 hours by various representatives with no assurance that the issue would resolve in these time frames.