23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX. 
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX. 
This company must comb through the obituary notifications and contact people via web searches affiliated with the deceased to harrass them and get people to pay money, which they do not owe. My mother has no debts and my father 's life savings was depleted in paying every single one of the expenses she incurred while she was alive. This company is a group of disgusting, parasites. Not sure how they look themselves in the mirror every day let alone wake up every day!
Product: Checking or savings account

On XX/XX/22 I closed my Chase Checking account. On XX/XX/22 I returned an item to XXXX for {$74.00} which was originally purchased with my chase debit card. XXXX refunded the money to my closed chase debit / checking card account. Chase bank had me send a fax to their claims dept and approved a {$74.00} refund and sent me a check on XX/XX/22. Months later, chase has sent me a collections notice asking for the money back. I have spent months on the phone with Chase Bank ( corporate, claims and collection dept ) as well as with XXXX XXXX. 
Chase claims XXXX sent me a paper check on XX/XX/22. This never happened. XXXX does not send paper checks to customers, there is no check number or information that XXXX can supply proving this because it is not their practice. However attached you will see the transaction numbers from XXXX proving the money went to Chase. 
I told Chase if they did not remedy this situation I would report them to office of the comptroller, the news, and small claims court. They said go ahead. I have attached only some of the correspondence and you will see the confirmation from XXXX that chase has my money. In order to protect my credit I made a {$10.00} per month payment arrangement with chase to repay the money which is rightfully mine. So I dont have the product and Im paying twice? Makes no sense. Fraudulent practices taking place here, I hope someone can help me remedy this situation.
Product: Money transfer, virtual currency, or money service

On XXXX I received and email for a job offer for XXXX XXXX XXXX, following a short interview via the app called " Wire '' which is an encrypted messenger app I was sent a letter explaining I was accepted to work for them. Subsequently after they sent me more information regarding the offer and position along with details for hours and pay scale etc, in that message they included information regarding the devices that would be needed to preform this job and how they would send a check for {$2300.00} to help with obtaining said devices - Furthermore, the individual spoken to said a down payment of XXXX would needed to help with this and the money from the XXXX check would be deducted to pay for the equipment. Upon going to the bank on XX/XX/XXXX it was determined that the check that was emailed to me was not only fraudulent but would have taken that amount from my account. 

I contacted Venmo and XXXX XXXX on the same day to stop the transaction or have the money pulled back from the Venmo account that it was sent to considering the offer was fake and no merchandise was ever purchased let alone received thus no service was ever really provided and there would be no grounds for payment to be allowed. XXXX XXXX XXXX was aware of these scam applications as well including the names being used. 

Venmo refused to assist me with any information or resolution for the matter stating it would need law enforcement to be involved, XXXX XXXX XXXX doesn't allow for any reimbursement for scammed clients either according to the individual who I spoke to on XXXX. I had placed a scam report on XXXX and contacted my local law enforcement regarding this issue and have a case number as well
Product: Mortgage

After 8.5 months of Cardinal FinancialXXXX dragged their feet on the assumption process of my loan to XXXX  buyers, we finally closed on XXXX/XXXX/204. The NC attorney recorded the deed and assumption agreements which Cardinal/XXXX  then received. Cardinal/XXXX  were then tasked with updating the loan into the new owner 's names and updating that in the VA system XXXX They did not do any of it. Instead, they sold the loan to XXXX XXXX  without informing them of the assumption. I personally had to send XXXX the recorded deed/Assumption doc 's XXXX Cardinal/XXXX  have been holding the buyers assumption/funding fee check that they were supposed to also send to the VA within 10 days of receiving it back in XXXX. 
So, at this point, because Cardinal/Dovenmuehle continue to refuse to do their jobs, not only have I paid out about $ XXXX in interest since the process began last XX/XX/year>, but the house belongs to the buyer while the loan is on me. XXXX XXXX and the new owner who assumed my loan have been trying to get this rectified, but Cardinal/XXXX  continue dragging their feet. Meanwhile, my credit score is taking a hit because I will certainly not pay on a loan for a house I do not own. We are talking about $ XXXX of loan debt that is not supposed to be mine. 
I need help with getting Cardinal to do their job. They should not have sold that loan before updating it to the new owner and updating the VA about it. The VA had no idea this loan had been assumed until I told them yesterday. They have also now contacted Cardinal and XXXX, but unfortunately the VA has XXXX guidelines that impose consequences to servicers who do not go by their rules that they have 10 days to send them the buyers assumption fee from the time they receive it and XXXX to update the " XXXX '' system at the VA into the new owners ' names. So, I don't see his contact having much impact, and neither does he. He suggested we contact you. 
Be aware that when Cardinal sold this loan to XXXX XXXX, XXXX XXXX changed the loan #, so it isnt the same # at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively monitoring my credit through XXXX XXXX. In the middle of XXXX, 2017, Equifax  reported information through XXXX XXXX, vwhich resulted in a XXXX XXXX score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by them ( No credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through XXXX XXXX, even inquries as recent as XXXX XXXX, 2017 ... .but, not my open, in good standing credit card account with XXXX XXXX . If I have an account in good standing, which was previously showing on XXXX XXXX, I should have a credit scorXXXX for reporting. I have eliminated the theory that XXXX XXXX is the issue, as the rep from Equifax suggessted since I had purchased a subscription from XXXX ( I think thats the name ) and it showed my Equifax score a ( 4 ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the XXXX XXXX account exist, is in good standing and reported by other bureaus.
Product: Checking or savings account

On XX/XX/2018, Bank of America reversed {$740.00} of credits and any bank fees reversed given to me, XXXX XXXX for unauthorized transactions which occurred on XX/XX/2018 and went through on XX/XX/2018. On XX/XX/2018, I assume that on XX/XX/2018, I lost my bank of america debit card at XXXX XXXX  # XXXX. Someone stole my card and used it at the XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX 's. The transactions are listed in an attached copy of my bank statement with Bank of America and are listed 1 to 10. I clearly informed the bank representative that I did make a purchase at XXXX XXXX when I lost my card ; I was not sure how I made the purchase. The purchases put my account in the negative. I contacted Bank of America when I was notified my account was below XXXX. I placed a stop on my account, I requested non of the purchases to go thru. The bank refused and offered to provide fraud credits. The bank cancelled the card and sent me a new one. The person with the card continued to use the card and some of my electronic regular payment went through. The bank issued credits. On XX/XX/2018 the bank reversed the credits. The reduction of my account is not allowing me to pay my rent. The bank states that I did business with XXXX  and does they are not honoring the credits. I read that with stolen cards that the bank can only charge me {$50.00} for unauthorized transactions. Bank of America could have cancelled the transactions until they were provided with proof from the merchant. The transactions were pending when I contacted the bank. They allowed the fraudulent transaction to be processed as purchases by me.
Product: Checking or savings account

I am writing this letter on behalf of the Fraud Report I recently filed due to the fraudulent and unauthorized transactions initiated on my account. There has seemed to be a mistake of a Reversal that Bank of America processed for the amount of {$1100.00} on XX/XX/XXXX XXXX the compensation that I am entitled to regarding this financial lost. Having that I called Bank of America customer service on the matter multiple times there were multiple instances where I was informed that my claim was believed to be getting denied because of speculation of the user being familiar of the PIN code with the magnetic chip used on the Debit Card. I understand in that specific case could be misconstrued into false accusation of the Owner of the Account being the only one having that information. In my circumstance would be inaccurate being that my mobile phone is a factor in the matter which had my sensitive information located within my notes including my PIN, Email Password, etc. The unauthorized use took effect when the person accessed and obtained the sensitive information that was located in the notes of my mobile phone for personal financial gain. I am writing this letter supporting my recent claims and re-presenting the knowledge that I believed was overlooked during the investigation of my previous filed claims. Seeking to have this matter resolved i wish to lift the XXXX XXXX Reversal action that was put into effect to my account. I am demanding Bank of America reopen my claims immediately so I am provided the proper compensation based on part of the agreement that was made when opening the account stating that Bank of America Customers would not be liable for any fraudulent transactions that transpired on the account.
Product: Credit card or prepaid card

This complaint is regarding a {$1100.00} charge to my Chase Visa card on XX/XX/18 identified on the credit card statement as : XXXX XXXX XXXX XXXX CA XXXX 1 XXXX XXXX XXXX 2 XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX ; I was notified immediately by an email alert from Chase that this charge had been made. ( I receive these for all charges made to this card ). When I read the email alert, I immediately called Chase to inform them that this was an unauthorized, fraudulent charge. The account was closed and I was assured that I would not have to pay this. A {$1100.00} credit was issued to my account. This was on XX/XX/XXXX. Now I have received a letter from Chase dated XX/XX/18, stating the charge was posted to my bill. Reason : " You received benefit from this transaction. '' I again spoke with Chase on XX/XX/XXXX, the rep handling this issue reopened the dispute, but called me back on XX/XX/XXXX and informed me that the fraud dept would decide on this and inform me of their final decision. I called XXXX, spoke with XXXX on XX/XX/XXXX. They had a passenger for this ticket that used my name. I was able to find discrepancies : the email address used is not mine, and DOB from the passenger 's ID is incorrect. XXXX referred this issue to the fraud dept by " filling out a form. '' I am waiting for callback from them ( XXXX ).
Product: Debt collection

This is XXXX XXXX. I will be the only one authorizing this complaint. I will be sending my license, ss card and proof of address. 
I want to make a complaint about XXXX XXXX XXXX and Receivable. Both companies are providing unethical practicing and XXXX and XXXX are just letting it happen. The bill on theses account are paid from the document that i uploaded but they continue to record a collect with owing a balance. That's a violation that needs to be fixed. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation FIRST FEDERAL CREDIT C ( Original Creditor : XXXX XXXX XXXX ) - XXXX - Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation
Product: Debt collection

I have paid this debt through a closing attorney and the Credit Management LLC said they would send a letter via email stating the debt was paid in full and they did not send it to me nor XXXX.
Product: Mortgage

Previous complaint # XXXX wher.as closed when they received a response from Mr. Cooper. It is obvious that you did not read the response because they confirmed they are charging me approx. {$4000.00} for an insurance policy that cover XXXX other properties. Mr. Coopers letter even states they confirmed I did not have a lapse of policy. My agent have faxed the policy 5 times. I, today, am having to fax the information again. 

The last time this happened, Mr Cooiper charged me forced insurance when I had a policy in place. It took me 3 years to get them to acknowledge the duplicate insurance and I still have not received the check for approximately # XXXX. 

I need to speak to someone regarding this problem. Mr Cooper makes it impossible to reach a customer service rep. I have had to go thru their automated system for XXXX minutes to reach someone. I am getting nowhere. Do I need to get a politician involved to stop the abuse by Mr. Cooper, Help! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. 

I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

America First Credit Union is reporting late notations for 2020 and I ask they please remove them. I had some hardships with the pandemic during this time, much like anyone else. I went without work for some time and was unable to get on my feet. I did not expect this and did not mean to be late and I ask that America First Credit union please take some leniency on these lates. No one expected what happened in 2020 and this would really help me being able to buy a home. Thank you.
Product: Consumer Loan

Creditor : Danco Financial ( XXXX ) Law Office : XXXX XXXX XXXX ( XXXX ) The creditor, along with, their attorney illegally obtained a judgment against me and displayed my private debt information to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX. The judgment was obtained in 2014 in XXXX County. I have not lived at the above address in almost 8 to 10 years. This XXXX XXXX I have no knowledge of and none related to this individual. Whomever their process server is was able to get this XXXX XXXX to accept the court summons on my behalf. in the year of 2014 my address was in XXXX, GA and XXXX XXXX, GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my XXXX  report
Product: Credit card

On my XXXX credit report, I see a credit card account open with " FNB OMAHA '' with the last 4 digits of my credit card number. Unlike other accounts on my report, there is no phone number to contact them, only a XXXX XXXX XXXX address. I also do not have an online account with them. 

I attempted to do a username recovery using my email address, but no message was sent. I attempted to call the support number I found online at XXXX which answers as " Card Services '' and does not mention FNB Omaha. The only prompt is for my XXXX  card number, which I do not have. 

I attempted to dial XXXX ' at the prompt to get an operator, but the automated system insisted on a card number. This also happens if I attempt to contact the fraud number listed on their site, XXXX. They never offered to take my SSN or perform any alternate authentication mechanism. 

If my card had been lost or stolen, how would I ever reach them? They have made it impossible for me to reach them about this account digitally or by phone. 

I want to cancel this card. Please contact me with the necessary steps required to end my credit relationship with FNB Omaha.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian because the addresses is listed on my credit report are not currently my addresses or addresses that I have not resided. I informed Experian that on XXXX of my consumer reports I found an account do not belong to me. I asked experience to remove the addresses from my credit report because these addresses could allow someone to get a hold of my personal information and use it fraudulently. 

Experian won't remove the addresses because they say I have multiple accounts linked to those addresses but If any of the creditor on my credit report wants to contact me. They should be able to review my credit report and find an valid address and be contact me there.
Product: Bank account or service

I have been deprived of my income as Bank of America continues disappearing my direct deposit payments. In addition to their incapacity to secure people 's money 's, they are massively in mature as they trivialize their failures sending me an email saying : We got your back Fraud protection is back '' They are all very damaged organization full of arrogance and the belief that they are above the law. 
This is the fourth time I file a complaint against Bank of America and nothing happens to them. Had I done one inch of what they have done, I would have lost my license. How come they have more rights than the rest of the Americans? I I was supposed to receive moneys from XXXX {$290.00} on XX/XX/2017 and there is nothing in my account. 
Whe is the Federal government act as as a protector of the citizens who work for a living rather than the arrogant corporations destroying the citizens?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit card

on XX/XX/XXXX, I spoke with a customer support agent over the phone and made a payment of {$41.00} with the agent. The agent subsequently scheduled a payment to be made XX/XX/XXXX and XXXX more on XX/XX/XXXX both in the amount of {$41.00}. I was told that my enrollment in the financial hardship program was complete and that under the program no late fees would be issued and my account would have a reduced interest rate. However, the next day on XX/XX/XXXX my account was issued a {$41.00} late fee. I spoke with customer service again and they assured me that this information available on the app was not the most accurate, but that everything should be reflected accurately when my monthly statement was issued., The monthly statement was only reflective of the previous incorrect information and my account is still being reported to the Bureaus as late, there is no reflection of a reduced interest rate, And I am still being issued late payment fees. On several occasions Customer Service has hung up on me when I attempt to get any further or more clear information on the issue. They have repetitive repeatedly used the excuse that their system is performing an upgrade and they cant view any account information at this time, and that I should call back again later. This runaround has been going on for well over a month now.
Product: Checking or savings account

I had fraud on my account on XX/XX/2021. I called Wells Fargo immediately as it was happening. They had me on hold for hours over the course of two days giving explanation to different departments. They gave me a provisional credit of the XXXX dollars that was taken from my account. On XX/XX/XXXX they revoked the provisional credit without explanation, I just noticed on XX/XX/XXXX because I logged into my account. Supposedly they allow for 10 days to appeal, but when I called they said the department was closed. I called back on XX/XX/XXXX and the wait was over one hour. I asked for an explanation and after 30 minutes they said it was because the login to my account was legitimate which it was not and no one knows my login. I asked for an appeal and the refused to accept it. I sighted their Online Security Guarantee policy on their website and the agent refused to acknowledge it. I also sighted the zero liability program and the Payment Service Regulation and the agent actually laughed at me. Please assist me with recovering my stolen money which I reported as it was happening and I have no idea how someone absolutely someone random that I have no idea Who it is got into my account and transferred this money out. Not sure why Wells Fargo allows this.