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

Wells Fargo bank XXXX, Az. 

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Credit card company name : Wells Fargo Bank Credit card number : XXXX XXXX XXXX XXXX Account number no. XXXX XXXX XXXX XXXX XXXX, hereby make a claim TO WELLS FARGO BANK based on the following Facts : XXXX. On XX/XX/XXXX, a CHARGE was made to my credit card no. XXXX XXXX XXXX XXXX without my authorization in the amount of {$5000.00} dollars ( XXXX XXXX dollars ). 

XXXX. On XX/XX/XXXX, a DEPOSIT was made in the amount of {$5000.00} dollars ( XXXX XXXX dollars ) to my checking account number XXXX XXXX without my authorization. 

XXXX. On XX/XX/XXXX, an online charge was made to a termination card XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX  in the amount of {$4800.00} dollars ( XXXX XXXX XXXX XXXX and XXXX dollars ) without my authorization. 

XXXX. I do not know about this card or company called XXXX XXXX XXXX XXXX XXXX XXXX and I have no contact with anyone who could have a card from this bank. 

XXXX. I do not have any device, computer, phone, tablet from this XXXX XXXX company. I conducted an investigation by telephone at the telephone number that appears on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX page, and they informed me that it was necessary to have an XXXX  device or telephone in order to have an XXXX XXXX 


XXXX. My credit is being seriously affected since in recent months I had a score of XXXX and with this error it has dropped to XXXX. 

XXXX. That I am applying for a home loan but this situation is affecting my credit record. 

XXXX. This situation affects me not only economically, but also emotionally and XXXX, since they try to force me to pay for something that I did not acquire. 

XXXX. In my more than 10 years with my credit record, I have never made purchases through my card or made charges of similar amounts. I have always been careful. 


XXXX also inform you that on the day the charges were made, it is impossible for me to access a computer or my phone since I was at work. 

XXXX. That on XX/XX/XXXX I presented complaint that was recorded under claim registration no. No. XXXX. 





Therefore, in the most attentive manner, I claim and request WELLS FARGO BANK XXXX. Carry out actions and investigations regarding this case. 

XXXX. Request from the XXXX XXXX XXXX XXXX XXXX XXXX company information on the beneficiary of the account XXXX to which the amount of {$4800.00} ( XXXX XXXX XXXX XXXX and XXXX dollars ) was deposited on XX/XX/XXXX. 

XXXX. Investigate my credit behavior records since I always pay on time. 

XXXX. Once you obtain the information that I request, let me know who benefited from that amount that was charged to me. 

XXXX. Since this situation is causing me emotional deterioration, I ask you to do the investigations that will help us clarify this situation. 

XXXX. Likewise, please cancel the amount {$5000.00} charged to my credit card since I did not authorize it. I do not recognize this position. 


Without further. I appreciate your attention to this claim that I presented on XX/XX/XXXX. 




XXXX XXXX XXXX.
Product: Credit card

XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card.
Product: Checking or savings account

I transferred through a wire funds from XXXX. The wire instructions were perfect. This was done 10 days ago. The wire went to Wells Fargo. XXXX has called them and confirmed the funds are sitting in a Wells Fargo account. Wells Fargo after many calls said they located the wire and told XXXX they would send it back to my account. They said it was high priority. Its been another week and the funds have not been retracted back to my XXXX account. This to me is a deliberate hold on my funds.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I deposited a check into my checking account at Chase Bank. As I put the check into the ATM, it said there would be a possible hold on these funds until XX/XX/XXXX, so I attempted to cancel the transaction. The ATM did not allow for a cancellation, basically giving no option but to wait on Chase. 

On Monday, XX/XX/XXXX I called the bank and explained the situation, letting them know that I need this money badly as I have no received any pay for nearly 7 months due to the pandemic. I am a college student, so I never received unemployment and the landscaping company I worked for laid me off. The bank said that the check would process no later than Monday, XX/XX/XXXX at XXXX. 

On Tuesday, still no funds, so I gave it a day before I called back. Wednesday, XXXX XXXX, I call the bank and get hung up on twice after waiting for 30+ minutes on each call, both before I could even say a word. Their agents service dropped on the third call, but on the 4th call ( 2+ hours later ) I get in contact with someone who tells me they can not release the funds. I asked them why the funds cant be released and they didnt give an answer but rushed me off the phone. This morning, XX/XX/XXXX, I called again and the customer service representative said that the funds could not be released because the federal reserve was not giving clearance to process these funds. I then called the federal reserve, who I explained the situation to and they referred me to this site to file a complaint. It has been a week now and I still have not received my money, while Chase is giving me the run around and providing false answers. No one protects the little guys - corporate continuously gets away with treating their customers like garbage and its business as usual. I am demanding action to be taken to resolve this issue so I can forever end my relations with Chase Bank.
Product: Checking or savings account

Citi Bank closed my accounts a week after opening them. They never gave me an explanation just that I will recieve my funds in the mail within 60 days via a check. I received said check and noticed it's not even half the funds that were in my account. I had {$9700.00} in the account and received only {$2700.00} via check. So they blatantly just took my money and I can't even ask them about it because in order to talk to customer service you have to have an account with them. Which I don't because they closed it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and Iseek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling XXXX XXXX and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.
Product: Mortgage

Starting in XXXX I received a letter stating that my loan was looking to be foreclosed due to missed payments I never missed any payments and I owed XXXX so I called the company which is bsi financial. They then stated they had 3 different documents with one stating I was completely current with my payments then another stating j was one payment behind and the last one stated I missed 4 payments finally getting everything taken care of they said it was stheir cashier department that said I missed 2 payments in one month and they fixed my account but where still stating I was a month behind and now a similar problem is happening where they're stating I haven't paid them since XXXX which I have and I'm a 106 days over due but this time when I called they said they're holding my loan payment and if I tried to make another payment it would also be held and when I asked why they said I don't know I'm just customer support
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ''
Product: Debt collection

Citibank has called me more than 7 times in 7 days in an attempt to collect a credit card payment. This is a clear violation of the FDCPA guidelines. The XXXX number in the attached screenshots is the number Citibank is calling from. I know this because this is the phone number theyve left voicemails from.
Product: Credit reporting 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 ; Account name : Office of Attorney General - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has 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 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected : Original Creditor : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I logged into Quicken Mortgage portal to make my XXXX Mortgage payment, the website and app are requiring a new mortgage application be submitted. There is no option to skip this in the process. Part of the forced mortgage application is asking for personal financial information and having credit re-pulled. I am not interested in a new mortgage, I just want to pay my existing mortgage. When we got our last mortgage, if we were to complete the application process, our rate would increase thus hurting us financial. When I reached out out to Quicken tonight ( XXXX XXXX ) through their online chat, the response was, we have a new system and please call in. Since it is after business hours, there is no one to respond to. This process is wrong and there is no resolution by the company. I am trying to make a payment by the allowed methods through quicken and they are trying to force a mortgage app. This is not ethical and I question the legality.
Product: Credit card or prepaid card

This dispute is pertaining to my Citi bank account pertaining the late payments for XXXX of 2020. Please see the enclosed documentation.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXXXXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm.
Product: Debt collection

I have asked for validation and verification on several occasions and AFNI have not been able to validate and verify pursuant to XXXX, and XXXX. The original creditor is XXXX. I do not owe this debt.
Product: Mortgage

My mortgage was purchased by Lakeview Loan, LLC. to be Serviced by XXXX XXXX, starting XXXX XX/XX/2022. I have made several attempts to pay my mortgage since this point, and have checked the account information several times for the bank account it is supposed to be drawn from. I have also been very careful to keep plenty money in my account to pay all of the months of my mortgage when they do finally come through. 

Not a single payment has processed in the 3 months that I have been stuck with these 2 companies, and despite several attempts to contact them to resolve the issue, nothing has come of it, and every time a payment is unsuccessful, I receive a new fee. I was never sent any paperwork agreeing to their fee system, which is different to the original loan 's fee system. I am also doing everything I can think to do in order to pay my mortgage. 

I don't believe that I should be responsible to pay extra money each month ontop of my mortgage because a company isn't taking money from the bank account they have on file. I was also under the impression, when I applied for a VA mortgage loan, that the VA loans were supposed to protect veterans from predatory companies, and predatory practices, such as those which seem to be used by XXXX XXXX, and accepted by Lakeview Loan , LLC. with their acceptance of XXXX XXXX as a servicer of their loans. 

XXXX XXXX already has multiple recent legal actions against them, including one from the Consumer Financial Protection Bureau. I don't know why or how these companies are still allowed to own mortgages at all, based on my experience, based on the complaints and reviews left on the XXXX XXXX XXXX XXXX website, and based in the multiple recent legal actions against XXXX XXXX, and I certainly don't understand why they are allowed to own or service VA loans.

All I want is to pay my mortgage every month without fear of defaulting on the loan, while I have more than enough money to pay the monthly payments of the loan. I fear that I have paid nearly a year 's worth of payments on my house, and made several renovations, increasing the value of my house, but that these companies are attempting to gain that property from me, through foreclosure, regardless of my several attempts to pay the monthly payments on my mortgage. There wasn't a single issue with payments on my house with the company they purchased my loan from, even during COVID, which affected all of us. I never made a single late payment prior to this point, and I've been trying my hardest to just get them to take the money I owe on the loan. 

Again, I have checked the account details they have on file to ensure they are correct. I have been constantly checking my bank account to make sure that I have enough money for the payments, now three months worth, will go through. I just want to pay my loan, like I had been before my loan was purchased and Serviced by these companies which I view as predatory.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, XXXX  I sent a total of {$1700.00} to XXXX XXXX via XXXX through Navy Federal for an onboarding job for my brother. I have tried to get my money back through XXXX and the lady that was using her XXXX account apparently. I also informed Navy Federal of the situation a month after it happened when I was not able to get my money back due to the recipient stalling and coming up with excuses to eventually not answering or returning phone calls. 

Navy Federal the three times I called regarding this matter, refused to help and kept saying that I am XXXX and have to just deal with it because XXXX has a no dispute policy. I even brought up the XXXX fraud liability and Navy Federal claimed that it's not fraud because I sent it to them and it's considered cash. I asked how is it cash when it can obviously be traced? They didn't have an answer different from the no dispute policy. 

I recently saw where the CFPB is suing XXXX XXXX, XXXX XXXX, and XXXX for the same situation that these banks did with their consumers. I would like for Navy Federal to return my funds and if they do NOT, I will seek litigation. I also would like to order for the CFPB to add Navy Federal to the list of suits as well. There is no telling how many of the members have experienced the same thing I have experienced along with the consumers at the other banks.
Product: Credit card or prepaid card

Several attempts to resolve the issue have failed, the dispute department are being unfair about the amount involved, I paid it under duress to prevent more late fee 's. The original issue is ongoing since XXXX, XXXX. Wells Fargo charged me {$100.00} after the same amount was already paid to my cell phone service XXXX XXXX, using the same Wells Fargo credit card. The amount I eventually paid was reduced from {$100.00} to {$100.00}, pay date was XX/XX/XXXX. Wells Fargo case specialist, XXXX XXXX. Wells Fargo case ID : XXXX, informed me that Wells Fargo paid {$100.00} to XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX could not find the transaction and required a Transaction number, several attempts and several case IDs and case specialists later, with Wells Fargo, I still do not have any transaction number to verify the payment was made to XXXX XXXX. I still was required to pay {$100.00} on XX/XX/XXXX. Wells Fargo owes me {$100.00}, they most likely do not have a transaction number because the transaction never happened.
Product: Checking or savings account

My physician withdrew over XXXX dollars by error and corrected the very next day I was assured money would be back in my account next this was on the XXXX it is know the XXXX the funds have now been pending almost a week they have caused me humlation embrassment they have charged me overdraft fees and return my water bill I have XXXX in my account even though funds have been pending. I have XXXX  and XXXX XXXX it's off the top then someone called me with all my banking information which was a scam PNC did nothing to help me. Talked to numerous customer service representatives with pnc different stories and lies.
Product: Bank account or service

My debit credit card has been declined at drug stores on multiple occasions over the past 4 - 5 years.The attempted purchases were by my Wife who is buying her medications to treat her XXXX XXXX.She travels 4 hours by car to get the Best prices on her many Meds that she takes..I have complained to this Bank of America several times which has not been successful. My next step after you will be civil litigation with puntative damages to be accessed in time.Bank of America is a Disgrace to all who can not get their lifesaving Meds with their debit card and has had to use Cash for the past 4 years.I demand a federal investigation by the DOJ and this will be forthcoming.
Product: Credit reporting or other personal consumer reports

Improper use of my Credit report. 

On XXXX of XXXX it was reported That I missed a Payment with XXXX XXXX. Also in XXXX of XXXX it shows on my credit report a late payment on a XXXX XXXX XXXX. These items are affecting my credit report unfairly. In accordance to the Fair Reporting Act, This creditor has violated my rights, under 15 USC 1681 SECTION 602, it states that I have a right to privacy, 15 USC 1681 SECTION 604A SECTION 2, also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666 B. A CREDITOR May not treat a credit card account under an open consumer plan as late for any purpose. 

I have sent XXXX rounds of dispute letters to TransUnion, XXXX, and XXXX. XXXX and XXXX has removed and corrected my status on my credit report, only TransUnion failed to follow suit with correcting my report and status. 

Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX ).
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX high yield interest savings accounts. Capital One misrepresented the XXXX XXXX Account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I requested a copy of my LexisNexis Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file,  as one the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is over five years old and should not be reporting on my file at all.      The report shows a  conviction for Failure to Appear f rom    XXXX   XXXX   XXXX  . Th e corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract from th e Secretary of State. Please find that the aforementioned  conviction is not reported my driving abstract as the conviction was   vacated.      Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the l ast five years I respo nded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a {$5000.00} loan under my name with company/bank called RISE (  which is somehow related to XXXX  ). 

This is hurting my credit really bad. My score is down close to 200 points ( so far ),  other banks are closing my credit cards or lines of credit, I am not able to get a loan ( not even the COVID 19 disaster recovery loan ). 

I've called this bank more than 10 times and sent emails. Their response is always that the person in charge is not available or the fraud department is close ( no matter at what time I call ). I am only able to talk to customer support reps who are not capable of doing anything about it. 

I've tried disputing the case with the credit bureaus/agencies and the only thing they do is call the bank ( RISE ) to confirm the loan and nothing else. 

Please HELP!