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

Wells Fargo currently has many pending lawsuits because of shady banking businesses Well Fargo caused me severe harm in the past.. Wells Fargo previously failed to reimburse funds that were stolen out of my account.. Wells Fargo responded using its cover up tactics to avoid honest banking. I have been treated horribly and harasses by Wells Fargo employees.. I was contacted by a law firm asking me to testify in upcoming defendant Wells Fargo court hearing Today.. on XXXX XXXX. I realized that my phone auto pay went through shady Wells Fargo account.. On Thursday I received email notice that I have low funds giving me a grace period to make deposit.. My automobile has bad brakes, they are grinding. I have appointment to get my breaks fixed. On XX/XX/XXXX around XXXX I drove my car with bad breaks to the XXXX  XXXX branch to make a cash deposit using the ATM machine and the ATM machines were down.. On XX/XX/XXXX early in the morning I drove back down to the XXXX XXXX branch to make a cash deposit using the ATM machine and now the machines wouldnt except cash. I have made XXXX attempts to resolve over drawn balance. Wells Fargo is a XXXX  bank to have a relationship with. I called and spoke w/ a XXXX rude XXXX  representative who thinks his bottom dont smell.. I cant stand XXXX  Wells Fargo.. I hope suing the upcoming case I will be given the opportunity to legally and lawfully bring this XXXX  bank to justice.
Product: Debt collection

I purchased an appliance from XXXX XXXX and bought an extended warranty on the product. I opened a charge account with XXXX XXXX with an implied agreement that the appliance would be in working order or be repaired under warranty. This appliance is not working and XXXX XXXX has refused to honor the warranty. They have failed to repair and/or replace this item. Now they are attempting to 'charge off ' an account but I feel I do not owe this balance because they are in direct violation of the extended warranty agreement. The warranty provides for repair or replacement of said appliance and was suppose to provide an additional layer of protection that my standard home owner 's policy did not offer. This is a direct violation Magnuson-Moss Warranty Act. Please remove the XXXX XXXX charge account tradeline from my report as this is a debt not owed.
Product: Mortgage

I closed on this property on XX/XX/18 none of the VA standards were met and the basic standards were not met. The selling agent provided paper that was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. us bkpt ct XXXX XXXX refrence number XXXX, fXXXX XXXX XXXX account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Bought a promotional item from XXXX XXXX XXXX store. The item came with 12 months interest free payments. At the end of 12 months the full interest would be applied to the balance on the card. There was never an option online to make a payment directly towards promotional item. I just got off the phone with the representative and she stated that if I called in I had to tell the representative that I wanted the payments to go to the promotional item. This is very misleading especially if I make all of my payments online to a 3rd party ( Synchrony Bank ) and there is no option to pay directly towards the promotional item. I never received any reminders, emails, calls letting me know that the payments I was making were not going toward my promotional item. I never received updates or reminders that my promotional time was ending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting to the Credit Reporting Agencies to correct the disputed accounts reporting erroneous information on my Credit Report. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and correction of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following accounts : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, must be corrected and or deleted to reflect accurate information on my Credit File.
Product: Student loan

I attended XXXX College XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The school is a fraud, the program I attended was a scam XXXX XXXX XXXX, I was promised a XXXX XXXX XXXX degree, in which I can not even use because the school is not accredited. Now I am required to pay this bogus loan back. This is absolutely absurd please assist me with exposing how this school scammed the US Department of Education Loans for students to take out money to help them with a degree and right after this school is closed.
Product: Consumer Loan

18 month no interest to purchase a bed statement said minimum of {$60.00} plus change Ipaid {$70.00} per month. I just paid the {$70.00} every month expecting to pay off the loan a little quicker. paid attention to XXXX bill and it had charged me interest tnen i saw my debt back over {$1000.00} I called they said my months were up and i still owed $ $ $ i hadnt paid so all of the interest was now charged
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These are the fraudulent, unauthorized inquiries listed below : HARD INQUIRIES XXXX XXXXXXXX EQUIFAX XXXX XXXX EQUIFAX The consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 6058 ( 15 U.S.C. 1681 c-2 ), that the EQUIFAX credit reporting agency block all of the inaccurate spellings of my name, wrong addresses, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.
Product: Checking or savings account

My CD matured on XX/XX/XXXX. I was told to fill out and send a Personal CD maturity form indicating what I wanted done with the funds. I sent out the form via XXXX XXXX Ground, which they received XX/XX/XXXX.

On XX/XX/XXXX, I called inquiring about my check and was told it takes 2 business days to process.

On XX/XX/XXXX, I called again asking where my check was and was told whoever was supposed to process it failed to do so. The rep apologized and said the check would be sent out XXXX XXXX Overnight Delivery and that I should receive the check no later than XX/XX/XXXX.

I called again on XX/XX/XXXX, after not receiving the check and was told that it was going to be sent out that day, but that I wouldn't receive it until XX/XX/XXXX.

TIAA acted very unprofessional and misrepresented themselves by assuring me that I was going to receive my funds in a timely manner after the CD matured. This should have never happened. I have never experienced this before with any bank or credit union.

They were totally negligent on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get XXXX to remove the incorrect information that is in my account. I am currently in the process of getting a mortgage and this information is still coming up and causing a problem during my attempt to close. I have provided up to 4 different letters to XXXX  over the last 180 days and yet they remain the only group to not update and correct the information.
Product: Mortgage

Homeward Mortgage is a company that offers to buy houses for you with their cash then turn around and sell it right back to you at a 1.9 % fee. 

We entered into a signed contract with them in XXXX XXXX  to buy a house and a vacant lot adjacent to the house in XXXX. All throughout all of our negotiations and asking for documents there was always a vacant lot attached to this house. The day before we were set to close on the deal ( after lying to us about getting a appraisal done ) I was told they could not finance the house because of the adjacent vacant lot. The documents we signed had both addresses on them for the contract. 

This caused the sellers to back out of deal ( they knocked XXXX off because we were willing to buy both properties ) and we lost our earnest money plus inspection fees and all sorts of other expenses. 

I asked Homeward to refund our earnest money paid to the seller, since they backed out and they refused. So not only did we loose the sale of the house and property but we are out over {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX  attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When purchasing from XXXX XXXX  I was unaware the winery was closed. I received an email 1 week before my tour about my cancellation due to the winery being closed. I also was asked if I wanted a voucher. I declined and asked for a refund. I got no response till this day. Due to covid-19 I am tight finically. I feel its unfair to pay for a service I never received. The company failed to let me know they were closed but still selling tickets. I would have never purchased.I was told by the bank they offer no refunds in there policy however Due to the i preempted situation I believe they should have an exemption.
Product: Debt collection

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Portfolio Recovery Associates , LLC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Portfolio Recovery Associates , LLC, I DID NOT ASK for it nor are they privy to contract with me. Portfolio Recovery Associates , LLC has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Portfolio Recovery Associates , LLC only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Portfolio Recovery Associates , LLC they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Portfolio Recovery Associates , LLC and original creditor anything.
Product: Bank account or service

I opened a Citi Gold Checking account in XX/XX/XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and XXXX debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within XXXX statements of completing the requirements ( which would have been XX/XX/XXXX ). It is now XX/XX/XXXX, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My wife has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Product: Money transfer, virtual currency, or money service

Here are the events : 1. I initiated XXXX transfer of my XXXX XXXX  from Ally to XXXX on XX/XX/XXXX 2. I received a dividend of {$470.00} on XX/XX/XXXX 3. At some point, this was moved an escrow account and reported in statements XXXX attached ) as being held in " Other account '' while the main account showed a balance of {$0.00} 4. I have tried contacting Ally many times ( XX/XX/XXXX case # XXXX, XX/XX/XXXX case # XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised that this will be fixed, but to no avail 5. In my conversation on XX/XX/XXXX ( attached ), the agent said " Unfortunately, there is no eta on this resolution just yet and no case is needed. My supervisor confirmed that your account was already noted as one of the accounts that are effected and management is working to resolve the issue. '' and said he couldn't do anything else. 

At this point, it has been XXXX  months since Ally has been sitting on my funds and refuses to or fails to give me access to my funds.
Product: Checking or savings account

My direct deposit from Wednesday still not available and is Friday XXXX XXXX honestly Capital one is violating and abusing by not even notice or contact clients, I have bills to pay, definitely ending my relationship with capital one after I get my money
Product: Checking or savings account

BBVA USA on XX/XX/2021 this company authorizes a one-time charge of {$49000.00} USD from my debit card and they provide an authorization code to charge this {$49000.00} USD from my card. how they can have this authorization code when I don't have sufficient funds my balance was really low and I don't use any service of this type. I call them and tell them I don't have any idea of this charge they open an investigation. wich they finish in right away telling me the I own this money. so I call them to let them know I do not agree with their decision. so they open a second case which they provide me with the information they have. after receiving the documents of this company who charge me for this business service and I tell them I don't have any business with them. they are still telling me the charge was made and is nothing I can do. so my conclusion is this company and an employee from the BBVA USA bank are working together to scam customers. because when I tell them to investigate who authorizes this transaction code they refuse to do it. 

company name they charge me is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX PHONE NUMBER XXXX REPRESENTATIVE XXXX XXXX I HAVE NEVER HEAR OF THIS COMPANY BEFORE IN MY LIFE.
Product: Debt collection

My Husband lose his job and i couldn't keep paying, so i close my acc
Product: Checking or savings account

My mother has an account as well as q safe deposit box with us bank for ID say 20 years or more when she passed she left me the only child with the safe deposit box n it's contents and they will not let me access it my mom 's been dead almost 9 Mos now n I've lost everything because of this.
Product: Debt collection

Received a letter from TeleCheck Services , Inc. No name attached, only address. Stated billing. XX/XX/XXXX through XX/XX/2019, total amount owed {$430.00} addressed to XXXX XXXX XXXX. 
Prior resident of this address has been deceased for almost 2 years. Current resident unaware of this company or any charges. Attempted to call TeleCheck services was asked for checking account number, routing number, date of birth, billing ZIP Code before any further information could be provided. When asked to speak to a manager, was sent to a generic voicemail.
Product: Debt collection

I gave birth to my daughter in XX/XX/2015. I made an agreement with the doctor 's office to pay {$25.00} every month until my bill is paid off. I have not missed one payment. XXXX started contacting me on this account several months ago, asking me to pay more than what is owed on the account. They relentlessly call me several times a day at all hours. They have called and have woken up my children too many times by calling too early or too late. I am fed up with it. They call from many different phone numbers so I can not screen my calls. When I am forced to talk to them, they do not take me seriously. They disregard what I tell them. They interrupt me and they tell me they will continue to call even though I have told them to stop calling. I will continue to pay my debt directly to XXXX XXXX at her office, regardless. But these people need to stop harassing me. This debt should not be in collections and they should not try to get me to pay more than what is owed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  account # XXXXXXXX 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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The company has attempted. Several times contacting people I know, and has threatened to XXXX me in court, and has XXXX me and my family at my home.
Product: Vehicle loan or lease

I have received numerous phone calls from this company about my account and payment on my vehicle which I do use for work. Its like my office I dont get, but I only get paid monthly and when I last spoke to XXXX at global lending this was a week ago, so this was XX/XX/year>. I explained my situation I even made a payment to them to get the repossession pulled back now somebody named XXXX is calling me blowing my phone up and Ive explained to them over and over that I get paid once a month they took I made a payment. I can not make another payment until I get paid again at the end of the month, but yet they keep calling me and threatening to repossess my vehicle
Product: Mortgage

My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.
Product: Mortgage

The company, Carrington Mortgage Company, purchased our mortgage from XXXX XXXX Mortgage on XX/XX/XXXX. We had paid XXXX our XXXX payment on the XXXX and that didn't get transferred over to the new lender. While under their own 60-day grace period, we received our first notice of intent to foreclose. 

We went above and beyond to secure the loan and get it back to positive, even though that meant that we made two payments for XXXX. Once that was settled, on XX/XX/XXXX, we get notified that our monthly payments have increased {$180.00} to cover an escrow account that only covers our insurance. They reported that they paid our insurance and didn't have any money in an escrow account, nor did they receive any of the escrow money that was collected by XXXX XXXX XXXX. 

After talking with my insurance carrier, XXXX XXXX, they informed me that my insurance actually decreased. We are still being held responsible for what money they ( Carrington ) didn't collect from our previous ( XXXX ) and raising our monthly payment past our means to pay. It feels like they intend to push us out of our house and liquidate the asset.
Product: Checking or savings account

An unauthorized charge of XXXX dollars was charged to my account. I did not make the purchase. Sofi bank is trying to hold me liable when there is a 0 % unauthorized charge liability policy. Sofi reneged on that policy.
Product: Debt collection

Iam not reliable for this debt with XXXX XXXXXXXX XXXX I do not have a contract with portfolio recovery associate they did not provide me with the original contract as I requested
Product: Debt collection

I am trying to buy a house and getting denied this company is reporting collections on my account that are inaccurate and I did not give them permission or give them my information to report this on my credit report Hunter Warfield Inc is saying I owe {$2600.00} which is incorrect as this debt is not mine