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

I am writing to file a formal complaint against Wells Fargo Bank due to the premature and unauthorized restriction of my personal account. I have been a Wells Fargo customer for over XXXX years and have always maintained my accounts in good standing. 
On XX/XX/year>, I received an email from Wells Fargo stating that I needed to provide updated residence and/or citizenship information to comply with U.S. legal and regulatory requirements. This email clearly stated that if the required information was not received by XX/XX/year>, my account may be restricted. 

Despite this stated deadline, my account was restricted on, significantly before the XX/XX/XXXX deadline. This premature restriction has caused me considerable inconvenience and potential financial harm. 
I have all the documentation that Wells Fargo requested, and I am ready and willing to provide it. However, I believe that Wells Fargo 's action of restricting my account before the stated deadline is a serious breach of their own communication and a violation of fair banking practices. 
I have contacted Wells Fargo customer service today, XX/XX/XXXX and spoke with a rep. However, the issue has not been resolved and no answer why it was restricted sooner. All they tell me is i have to to a branch. 

I have attached copies of the email from Wells Fargo dated XX/XX/year>XXXX XXXX
Product: Checking or savings account

I had been charged several times for overdraft fees when I put money back into it within a significant amount of time as well as money being taken out here and there that were not from myself
Product: Mortgage

in XX/XX/2010 I paid about 40 thousand dollars to Litton Loan Servicing. They were supppposed to apply it to my account but never did.
Product: Debt collection

I am writing describing Kohn Law Firm, SC in XXXX, WI. 
I am a single parent ( with a degree mind you ) ... on state assistance for my son and myself. Due to the economy and low wages, I have to work XXXX part-time jobs and gone from my family 14 hours per day, I am still in the poverty line and receive state insurance and up until a month or two ago, food stamps. 
After repeated harassing calls ( leaving me crying with their rude put-downs ), I asked if they would settle with me and if I could make affordable payments. They firmly let me know that it is too late for that. I also asked if they would please give detailed charges of the actual bill as that I am not sure that I owe that amount. They said that it is too late for that! They were rude and had me crying on the phone several times until I mentioned the Fair Debt Collection Act. 
I filed and faxed Kohn Law Firm 's exemption form garnishment form. ( I talked on the phone to them about receiving this form as they kept it from my knowledge though another debt collector offered it, and exempted me from garnishment ). 
After explaining this, Kohn Law Firm finally agreed and mailed me the garnishment exemption form.I filled it out, faxed in my state assistance proof to Kohn Law Firm and gave a copy to my employer as well. This legally should have released or exempted me from garnishment. However, Kohn Law Firm proceeded to garnish my wages anyway. This is illegal as I am on state assistance. 
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.
Product: Credit card or prepaid card

I transferred {$1600.00} Comenity Bank ( XXXX ) credit balance to a new XXXX card with a zero percent balance transfer offer on XX/XX/2019, which is the date the balance appeared on my XXXX account. I wanted to close my Comenity Bank account but discovered it still reflected a {$1500.00} balance ( reduced because I had made a {$100.00} payment waiting for the transfer to be completed. ) On XX/XX/2019 I contacted Comenity Bank to ask when my account would reflect the transfer and how to close my account. I received the following response on XX/XX/2019 : We certainly do apologize for any inconvenience or confusion this has caused. Please go to the Account Services tab and select Transfer a Balance. Once you have selected Begin a Transfer, please follow the steps to process the request. The promotional Annual Percentage Rate ( APR ) and the total amount able to be transferred will be provided on the main Balance Transfer page before beginning the request. 

Although we are sorry to hear you wish to close your account you may do so by : 1. Submitting your request online via our " Contact Us '' link ( after sign in ) 2. Contacting us at the phone number listed on your credit card 3. Sending your inquiry by mail to the address listed below : XXXX XXXX XXXX XXXX, OH XXXX For one thing, I have never heard of having to request a balance transfer from the bank where I want to transfer a balance from. I transferred another account to the same XXXX card, without contacting the issuer, and it was transferred with XXXX  balance being reflected on my statement within a few days. This practice, if legal, is incomprehensible. I am now paying fees on two accounts for the same balance. 

Second, I am unable to follow the instructions provided to 'request a balance transfer ' because there is not an " Account Services '' tab on their website. 

I have been reasonably satisfied with Comenity Bank for the nearly ten years I've had the account, however this is absurd and, I hope, illegal.
Product: Debt collection

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that CREDIT COLLECTION SERV purchased from another 3rd party debt buyer. XXXX XXXX XXXX and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Credit Collection Serv is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I never received a 1099c cancellation of debt forum. Account name-XXXX XXXX XXXX is showing up as a charge off on my credit report with late payments. That makes this account inaccurate and it needs to be removed immediately
Product: Credit reporting or other personal consumer reports

I have reached out to both Tranunion and XXXX XXXX XXXX. I have requested an original invoice regarding collection account " XXXX XXXX XXXX XXXX' for {$190.00} that surfaced on my credit report. This information has already been removed by XXXX XXXX XXXX. Transunion continues to report it as a collection account. This account does NOT belong to me. I have already explained this to both XXXX XXXX XXXX  & Transunion. No validation of the debt has been provided nor original invoice or any information at all.
Product: Debt collection

I am in the process of trying to attain a home loan. The lender discovered a brand new collection dated   XX/XX/XXXX   from a company called "  SCA Collections , Inc ' ' on my credit reports. This collection is in the amount of {$200.00}. I 'd have gladly paid this if I knew I had any outstanding debts. I am alarmed becau se 1 ) I ta ke my FICO very seriously, having worked in  XXXX  fo r 15years, and   2 )  this debt collection company never reached out. I called them rep eatedly today (  X/X/17  ) an d a woman tried looking me up by my name, and by my social security number, and could n't find ANY debt associated with me. She explained it must have been a mistake, but she did n't offer any solution, and here I am with a poor FICO now. This is unethical. Please help. Thank you.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX matured. On XX/XX/year> requested a transfer back to my XXXX  XXXX XXXX account which was used to fund my Marcus account. When I tried to transfer the money out of Marcus the problems began. When I called to find out why the transfer was taking so long, they told me they could not verify my phone number to send a PIN to, because some " system '' they will not elaborate on says my phone number does not belong to me, and I would have to call my phone company to correct it. As if. The phone is in my name and has been used to confirm identity every time I've logged in since I opened the account. They will not answer any questions online, or by phone. XXXX different people including a supervisor refused to help me. I have my password, secret word, social all verified, and my phone number has not changed. Upon reading other reviews, I see many people only encounter a problem when trying to close the account or transfer large sums.
Product: Credit card

I was offered a free sample if I paid only the shipping charges. I accepted this and later was charged XXXX charges on my credit card in the amount of {$89.00} on XX/XX/XXXX and {$87.00}. I called to dispute these XXXX charges on XX/XX/XXXX and was told that they would be removed/reversed. They were put back on XX/XX/XXXX and XXXX/CITI Corp has been very uncooperative in removing them. When I call the XXXX number I get someone with a heavy accent and They seem to be in cahoots with the ones adding the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran a credit report using XXXX with Transunion. I disputed adverse actions listed. After 30 days, I called Transunion since I had not been informed of the results of the disputes. I was told on the phone that the adverse actions had been removed. 

I was denied credit in the interim. I tried to get a free credit report based on the denial, but was unable to get it online. I called and spent 59 minutes on the phone and they could not resolve the problem. 

I am unable to get a free copy of my credit report online as a result of being denied credit which, according to Federal law, I am entitled to. Transunion had no further guidance for me. I even tried to pay for the report and was unable to obtain it.
Product: Payday loan, title loan, or personal loan

Charged me {$90.00} for a returned check fee. This is ridiculous. These people call me ceaselessly all day long. When I don't answer their listed number, because I'm at work, they call from a bunch of other random Iowa telephone numbers. On average they call me 15-20 times per day. I have asked them not to call me but they still do.
Product: Vehicle loan or lease

While an insurance claim on XX/XX/XXXX was being processed I continued to make loan payments to keep my account from being delinquent. After the insurance companies made their over $ 60k of payments to CHASE the account was paid in full and ended up overpaid because of my continued payments during the process. Over a month I contacted CHASE for a status on my overpayment refund as the loan was paid in full. They gave me some excuses and refuse to refund me my money at all stating that they needed more paperwork from the GAP insurance company, even though the loan was already fully and totally paid off. I was never informed of this ask from them until I called. I contacted the GAP company and they were not responsive with what CHASE wanted but they already paid. After contacting CHASE again on XX/XX/XXXX I was promised a callback from a supervisor because the agent I spoke with could not understand why my refund was not processed either. I never received assistance or callback. CHASE still refuses to issue me my refund for my over payment and XX/XX/XXXX said they will keep my money unless the GAP insurance gives them more paperwork. 
CHASE received the full loan repayment. They have their money. I just want mine. They refuse to offer to pay me interest on my funds that they are holding, they refuse to explain what that paperwork has to do with my overpayment of the amount owed, and are holding my money XXXX for something between them and the insurance company thats out of my control. CHASE was fully paid months ago! They will not explain the reason they want that paperwork, only that they are requiring it, and on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX at CHASE XXXX did not want to deal with my problem and even refused to answer my basic account questions such as what my original loan amount was, the balance, and she treated me very unfairly because I simply wanted a clear and full explanation of the problem. I am truly shocked by my treatment by her. Basically at this point there I was told by XXXX at CHASE there is no way for me to ever get my money returned from CHASE unless the GAP insurance company decides to give CHASE the papers they want. Getting the $ wasn't good enough for CHASE.
Product: Debt collection

I've never signed a contract with this company for anything. I have never given permission verbally or in writing to anyone to pass my information to this 3rd party that I've never heard of.
Product: Debt collection

I have never had a personal XXXX phone account, only a business account XXXX is no longer a cellphone business, I am being harrassed regarding debt that is not my own.
Product: Credit card or prepaid card

I disputed a fraudulent charge on my account in the amount of {$9800.00} posted to my account on XXXX XXXX from XXXX. I filed a fraud claim on XX/XX/2021 and it took a XXXX complaint for you guys to place a provisional credit on XX/XX/2021. A few weeks later I received a letter from your team saying the investigation was concluded and that the provisional credit would become a final credit on the account. A few weeks after that on XX/XX/2021 you guys re- posted this fraudulent charge to my account. I am asking you guys to please re-open this case on my account and remove this fraudulent charge from my account as soon as possible as I have a payment due date within the next few weeks and I do not have the funds available to pay this fraudulent charge. If you would review my account you would see I have never spent more than XXXX XXXX or so dollars on this account. I have tried to contact this company multiple times and have tried reaching their so-called fraud team and have gotten nothing but hours long holds and inevitably being hung up on. Feel free to contact me to discuss this further. I have also faxed a copy of this letter to your team with no response.
Product: Money transfer, virtual currency, or money service

I was scammed by a fraudulent Company under the name of XXXX, they manipulated me into investing and after a few Investments i was not able to make a profit and later i found out the website was a scam altogether. Crypot.com had full knowledge of this website and the fact that they are Illegitimate.
Product: Credit card

i opened a business credit card with american express and i was suppose to get XXXX points after i spent XXXX $ in XXXX months but after i spent the amount in first XXXX months they said they can not issue the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XXXX regarding a late payment for XXXX in XX/XX/2019. Equifax opened an investigation XXXX. The confirmation number is XXXX. The investigation was supposed to be completed XXXX. It has been 45 days since the investigation was opened and there is still no resolution. The investigation has not been completed.
Product: Debt collection

XXXX was informed on XX/XX/18 that I can not accept personal calls at my work place because my employer prohibits them. However, since then, I have received continuous calls at my work place from XXXX and various other XXXX employees ( audio recording available ). Furthermore, One Main Financial has my cell phone number. Thus, there is no reason for them to be contacting me at work.
Product: Debt collection

I received notification in the mail for two alleged debts for {$820.00} And {$1100.00} by and RESURGENT RECEIVABLES LLC and XXXX XXXX I have no contract and I have never given my social security number nor my personal information to this company ; nor do I have any financial obligation to both companies, so I requested debt validation and sent a cease and desist. The notices were sent certified mail with return receipts signed by an agent of both companies. I never received debt validation, nor did they cease and desist until the debt was substantially validated. 

This company purchased a charged off debt, they are not a party to the original transaction and have no rights, title or interests to collect on the alleged debts. They have not provided a bill of sale or a bill of assignment. The mere fact that this company is trying to extort me for monies will and should be punishable under title 18. 

RESURGENT RECEIVABLES went and obtained my credit report under false pretenses because I never applied for any goods or services with that company. Resurgent Receivables have violated federal and state laws listed below FDCPA, FCRA, TITLE 18 and TITLE 39 *18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

*39 U.S. Code 3005 - False representations ; lotteries ( a ) Upon evidence satisfactory to the Postal Service that any person is engaged in conducting a scheme ( d ) Matter otherwise legally acceptable in the mails which *39 U.S. Code 3001 - Nonmailable matter ( a ) Matter the deposit of which in the mails is punishable under section 1302, 1341, 1342, 1461, 1463, 1715, 1716, 1717, or 1738 [ 1 ] of title 18, ( d ) Matter otherwise legally acceptable in the mails which ( 1 ) is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due ; but ( 2 ) constitutes, in fact, a solicitation for the order by the addressee of goods or services, or both ; ( A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXXXXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. 

I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.
Product: Credit card

I believe I should be in the lawsuit with Wells Fargo but I never received a letter that I recall of. 
I know there was times I got hit with a overdraft fee when the money was there. Sometimes the monet would come out and then go back in. This st times lead me to believe I had e tra money. In turn this lead to a non payment resulting in a bounce fee.
Product: Debt collection

The account with XXXX was sold to another company called XXXX as of XX/XX/XXXX. All payments were made timely to both companies without issue until I checked my credit score and the account had been reported as '90 days delinquent '. When I contacted XXXX to complain, I was told it was a " glitch in the system that they were aware of and they hoped to have it 'fixed ' by XX/XX/XXXX ''. I have never missed a payment on any account in my lifetime and this negative reporting has impacted my credit score.
Product: Debt collection

This account was open on XX/XX/2018 This account was reported as unpaid medical {$110.00} I don ' have contact information I would like to know what services I had to accrue the amount of {$110.00}