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

Complaint that needs further investigation and was closed without ending in my favor. 

I am writing to formally dispute unauthorized transactions on my account and seek assistance in resolving this matter. 

Incident Details : Between XX/XX/XXXX, and XX/XX/XXXX, I lent my smartphone to a family member whom I had not seen in a long time. This individual gained access to my Wells Fargo login using a saved password on my Wells Fargo app. They transferred funds from my XXXX XXXX account to my checking account and used my saved Wells Fargo information on XXXX to purchase {$23000.00} worth of cryptocurrency, which was then sent to their own XXXX  address. The online purchase required only my XXXX, not my physical chip. 

Discovery : I discovered the unauthorized transactions after this family member left and blocked my number, making it impossible to contact them. As of today, XX/XX/XXXX, this family member remains out of contact. Wells Fargo continues to place the blame on me for these transactions. I am requesting that the charges be reversed, as no action has been taken over the past year. While I am not asking Wells Fargo to take responsibility for the actions of my family member, I believe they should reconsider their stance and assist in resolving this matter. If this issue remains unresolved, I may need to explore legal options. 

Previous Claims : This is the second time such an incident has occurred. Wells Fargo denied my claim twice, and while I let the first claim go, the second incident has been devastating. Wells Fargo continues to believe that I authorized these transactions because they originated from my IP address, but I was not the person behind the smartphone. The fact that these unauthorized charges were made by a family member. Unless they have video proof it was me, which is absurd. 

Banker Interaction : A banker informed me that I could have prevented this because it involved a family member. However, it is unreasonable to expect me to foresee and prevent a trusted family member from scamming me and disappearing. 

Impact : It does not make sense for me to suddenly make a large purchase and lose {$23000.00} in savings and investment money that took ten years to build. Wells Fargo has now disabled my online access and restricted my debit card, further complicating my situation.

Request for Resolution : I am requesting that Wells Fargo reconsider my claim and assist in recovering the stolen funds. Although it has been almost a year since the unauthorized transactions occurred, I am prepared to file a police report and pursue legal action if this matter is not given a thorough review. 

Thank you for your attention to this matter.
Product: Checking or savings account

Hi, I need to request a new debit card, must be sent to my mailing address which is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, California XXXX I called customer service to request this but they are unable to send me a passcode, even I added my phone from XXXX under my name. 
All the situation with wells fargo has been horrible and difficult, I posted 3 claims due the online banking issue, now I can access from the computer, but from the app is having the same problem. 
Now I need the debit card, the original never arrived
Product: Debt collection

Over the past few weeks/month, I have been receiving a number of phone calls from numbers claiming to be " Harris and Harris '' debt collectors. Looking at my caller records, I received calls from XXXX on XXXX XXXX, XXXX on XXXX XXXX, XXXX on the XXXX, and this morning from XXXX, all claiming to be Harris and Harris. This is extremely suspicious to me since all these calls are from different numbers, and one of them, the most recent one, is a Michigan area code, when the rest are XXXX - I looked up the number on line and one website says that this is XXXX, collections for some Michigan energy company. The first two calls left robot voice mails that simply said " This is Harris and Harris. We are debt collectors. Call us back '' or something to that effect, and the most recent two voicemails have been human and similarly laconic in information. I am only XXXX XXXX XXXX, have no credit card, and no debt other than my student loans that are n't even due for payment until 2019. I am not sure if this is a case of mistaken identity and the agency is legitimate or if there is something more fraudulent going on. I am afraid to call these numbers back and ask if this is just a case of mistaken identity, because if it is in fact a scam, I do n't want them somehow having access to my personal information. The fact that every call has been from a different number is immensely suspicious to me. I filed online informal complaints with the FCC earlier today but considering I did n't go through my phone records at the time, I missed the detail that every number has been different, and I want relatively immediate action taken so I can stop receiving these calls, and any issue of mistaken identity can be resolved.
Product: Debt collection

I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.
Product: Mortgage

I applied for home retention options with Carrington MortagXXXX ( loan No. XXXX ) around XX/XX/2022. A loan modification offer was sent to me. The offer did not expire until XX/XX/2022. I called XX/XX/2022 with XXXX HUD counselor ( XXXX XXXX ) around XXXX. The Carrington representative said that the review was closed, and the loan modification offer was no longer valid. I also filed for mortgage payment assistance with XXXX. The case number is XXXX and was filed XX/XX/2022, counselor is XXXX. I just want to prevent my credit from going bad. Also to allow XXXX to pay the back payments to Carrington Mortgage. I also, would do the loan modification, if this will prevent my credit from being ruined. I also just reapplied for the mortgage assistance application with them. It was faxed and emailed on XX/XX/2022.
Product: Debt collection

I receive daily text message from this phone number. They are sending me texts without my consent. I keep blocking the number but I still receive them. The text messages say : Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : rad-gs.info Txt STOP to End texts
Product: Vehicle loan or lease

I went with friends to purchase a car, it was a horrible experience on XX/XX/XXXX looked at car sticker price for used car was {$21000.00} at XXXX XXXX dealership in XXXX XXXX CA. I told them I had a schools first loan for {$29000.00} they said no problem, sold me car. They had me sign my name multiple times on enlarged digital screen saying this is for tires, this is for warranty this is for this and that never showing me what I was signing because it just showed signature line on desk screen, they kept ensuring me it would go though my union schools first. They printed paperwork and sealed it and handed it to me. I called schools first they told me my loan was denied because it was {$34000.00} for the used car which they told me was 135 % over XXXX XXXX book. I called dealership and they told me I can't return car, they will finance it through XXXX dealership, which is never what I wanted. My mom asked to see paperwork and told me how much it really cost, I tried to take back car they told me there is no cooling off period in California. I tried calling multiple times, my mom called multiple times we tried to take back car on XXXX XXXX they said we can't rewrite contract, they tried to change some things, it still came out and was still {$33000.00} they said I can leave car at dealership, no changes can be made. I am going to take it back to dealership and leave key and say it is a voluntary repossession or surrender. It has just been a horrible situation on how they take advantage of people. At this point I don't car if it hurts my XXXX credit or I go to court, I want to speak out how they have done this to me, they should be ashamed.
Product: Credit card

On XX/XX/XXXX Placed order for XXXX XXXX XXXX XXXX for a Total of {$75.00}. On XX/XX/XXXX received message from amazon that they were unable to delivery the item to me. I placed a second order for the same item and requested a refund for the first order. 
On XX/XX/XXXX chat with amazon customer service agent to request the refund, the customer service agent said that I will receive the refund and a confirmation email in the next 3 to 5 business days. After many days that I did not received the refund I called several times and they always said that I will received. Because I never received the credit I disputed the purchased to Synchrony Bank, spoke few times with Synchrony Bank and submitted few times all the information and respond two times when they give 10 days to answer. Until today XXXX I have not received the credit from amazon or Synchrony Bank Credit Card. See attached correspondence with Synchrony Bank and US Postal receipt for sending the information they requested.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Debt collection

Account XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Synchrony XXXX XXXX XXXX credit card and I subsequently paid it off timely as I do with all of my accounts. 


XXXX XXXX Payment of {$500.00} Balance of {$1800.00} XX/XX/XXXX payment {$1000.00} balance of {$1300.00} XX/XX/XXXX payment of {$500.00} balance {$850.00} XX/XX/XXXX Payment of {$300.00} balance of {$550.00} XX/XX/XXXX Payment of {$200.00} balance of {$570.00} XX/XX/XXXX payment of {$570.00} no balance Paid in full Somehow per the credit report they found an additional {$10.00} to charge me on something I did not buy. So I was reported XXXX in XXXX, XXXX, XXXX, XXXX. In XXXX they closed the account it shows CBG. I called and Spoke with someone on XX/XX/XXXX and they advised my score/credit would be fixed by XXXX. However, they updated my report to say it was closed on XX/XX/XXXX Owing {$0.00}. 

This did not correct my report I was attempting to get approved for a house and this has through a complete curveball at me. I've never paid anything late and I pay all my accounts in full and on time. Please review with Synchrony and have them correct there records. Not only did I not pay late but they closed my account and did not correctly report me as paid in full. I expect my credit report to be correct to show my account was Paid in Full as of XXXX and the late payments reported to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file three dispute with Experian to properly verified all disputed accounts with a full investigation according to consumer law 1681 ( a ) ( 4 ). They still have not complied with the law or my request/ my lawful rights to send me the document they use to verified these accounts below and the name of the person in there company who verified these accounts as accurate. Im asking for you all to assist me with holding them accountable and furnish over these documents to me. II also stated I do not consent to e-Oscar or any means of automated verification. As of today they sent me the rdispute results online e-Oscar. I want them to mail me the documents or data they use to verifiy the accounts below. Im also requesting that these account be deleted due to several months of willful disregard to do a proper investigation. 

XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX. XXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed promptly. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX  XXXX - XXXX - {$92.00} XXXX XXXX XXXX - XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XXXX - {$1400.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit  offices. Recently, Experian told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.
Product: Vehicle loan or lease

XXXX XXXX XXXX was repossessed XX/XX/XXXX due to defaulting on first payment. I made a payment of {$290.00} on XX/XX/XXXX and an additional payment of {$280.00} on XX/XX/XXXX in error because Bridgecrest advised the first payment on XX/XX/XXXX did not go through. I requested a refund through my bank for my payment of {$280.00} made in error and they denied it. Now I have no vehicle and no money to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute XX/XX/22 in regards to the incorrect items on my credit report. I sent a followup letter, it has been over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

What happened : I recently discovered a Bank of America credit card account that was opened approximately 45 years ago under my name. I did not authorize or apply for this account, and I have no knowledge of who opened it. I have never used this card or received statements related to it. 

Actions Ive taken : I contacted Bank of America to report the issue and requested details about the accounts origin, including how it was opened and any supporting documentation ( e.g., signed application ). 
I asked Bank of America to investigate and close the account since it was opened without my authorization. 
I checked my credit reports and confirmed that this unauthorized account has been listed under my name for several years, which may have negatively impacted my credit.

Companys response : Bank of America has not provided sufficient information or resolution regarding this issue. The account remains active under my credit profile despite my request to have it removed.
Product: Mortgage

on XX/XX/2019, between XXXX and XXXX XXXX., US Bank sent out a third party vendor to my address # XXXX XXXX XXXX, XXXX , AR XXXX ( which is really in XXXX, Arkansas ) and they went in and winterized the house. The order # that was left on my front door was # XXXX ( name of company XXXX ), they stole a bunch of stuff out of my house and destroyed some of my stuff, which US Bank says I still own the property as of right now. I have made a list of all the stuff they stole. 

XXXX '' XXXX Digital Photo Frame Deluxe XXXX Coffee Maker and a box of coffee that was never opened ( both brand new ) XXXX Juicer Expensive pair of binoculars 1 or 2 totes, they threw my pictures in the floor and stole the tote they were in XXXX  Woven Clothes Basket, brand new A XXXX Digital Camera XXXX XXXX Lantern, still in the box A Single Serve Coffee Maker, stainless steel with a stainless steel cup that went with it XXXX  XXXX  XXXX Tree in a XXXX  box with soft gel like flowers on the ends of the branches They broke a brand new big picture frame They broke a new set of Owl Bowls in the kitchen XXXX XXXX XXXX XXXX Ice Cream Cone Maker XXXX and Stainless Steel Waffle Maker, brand new I've tried talking to US Bank several times, about this, and they won't help me. 

They won't give me the third party vendor 's phone number or anything either. 

US Bank should be liable since they are the ones who sent these people out to my house. 

Sincerely, XXXX XXXX XXXX phone XXXX Work phone XXXX
Product: Debt collection

I received a call from XXXX XXXX XXXX saying they wanted to deliver a letter to me. The service said they were working for XXXX and gave me XXXX 's phone number XXXX. They said the company 's name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX at XXXX, said I owed a debt to Synchrony Bank for {$15000.00}. I never had an account with Synchrony Bank. They said the debt was from XXXX to XXXX. I never had an account with Synchrony Bank. They threatened to take me to court, seize my bank accounts, etc. This is harassment. This is consumer fraud.
Product: Credit card or prepaid card

I purchased an on line golf instruction video. The company wrongly added additional services I never asked for. I received a bill and noted these additional charges. I called and had them removed, and even had a reference number. I never got a bill from US Bank again but I logged on to the account to check. This is when I found out that the golf company never removed the charge. I also found out that I never got a bill as I was now on " paperless '' payments with US Bank. I was never on paperless billing and have been paying bills for years. This I never knowingly requested, nor was I aware of this change and I had never begun the process of changing over to paperless banking. It is quite elaborate and one has to submit a routing number to a bank, etc. I called US Bank and discussed my concerns. I gave all the information about the on line golf company, including the reference number. The US Bank rep noted I may have " clicked '' on something when logging in to US Bank that changed my billing preferences. I pointed out that when I was logging in recently, I may have inadvertently checked request for paperless banking. That was how the on line page was set up. I requested she send a note to their IT dept, and clarified I did not want paperless billing. I went to a US Bank office and paid the bill in person.US Bank sent a form requesting the same information as I gave over the phone. However, When I received the letter it was " Due '' three days later. It was going to be late. They said they never got it and so, could not reverse the refunds for the late fees, etc. US Bank has all the dates and information. If they deny it, they are lying. They lied about me requesting " paperless " banking and changed their on line form. I, with my wife present, logged back in since and had to actually search for the page requesting paperless banking, so there is no way I did this before. Their page setup had been changed on line, so a person might click on this choice in the very beginning. Same un ethical practice as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX, and TransUnion that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, XXXX, and TransUnion to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Financial Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help.
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Please help me