23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello On XX/XX/year>, I called Wells Fargo customer service number XXXX XXXX XXXX around XXXX XXXX. I asked if they could cash out my check that my insurance company send me but I dont have an account with Wells Fargo XXXX The customer service said they can cash out ; She said I only need to bring my Government ID with the check. 

So on XX/XX/year> around XXXX and XXXX XXXX, I went at Wells Fargo XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX to cash out the check. 

At the branch, I gave the clerk the check. She asked me if I have a bank account with them, I said I dont have. She then said that they couldnt not cash out the check. So I explained to her that I called the customer service and they told me that they would help me cash out the check and I needed my Government ID. So the clerk took the check with my driver license. She opened her system on the computer and scanned the check. She entered my ID information and I entered my SSN. 

After few minutes, the clerk called her coworker and showed her something then I heard You are not allowed to cash out this check. That is what she read to her coworker. And did not understand the rest. 
They both clerks turned over me said that I dont have an account with them that they couldnt cash out my check. So I asked if there was someone else who I could talk with about this situation to understand what going on. She said to sit. 

That is when XXXX XXXX came after working with one of their clients. I explained to her the situation and took the check and looked. She said that they cant cash out the check because the check is not from Well Fargo Bank so how are they going to verify the check. Its impossible for them to verify the check since its not a Wells Fargo Bank check. So I asked XXXX XXXX for her card and she gave it me and she said that she is the person who is running the branch. 

Check amount {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me this check to fix my car and do my daily work. 

I am asking why they did not cash out my check when the customer service representative said that they could help me without an account? 

Why I didnt get any receipt from Wells Fargo for my records explained the reason they didnt cash out the check? 

The check is to repair my car damages so that I could drive to pay my bills. 

I have attached the check and the XXXX XXXX.
Product: Checking or savings account

Navy Federal took all the money I had left in my checking account without authorization and put it on my credit card for the 2nd time now.
Product: Debt collection

Left voicemail message disclosing the debt including the amount and the name of the company to whom the debt was owed. 

Did not give any Miranda three separate times.

Refused to provide verification of the debt twice. 

Used intimidating tactics ( " You already received it, it's not my fault you didn't read your mail. '' ) ( " Verification of the debt is not required on this type of debt. '' ) ( " You'll be taken to court if you don't pay this now. '' )
Product: Mortgage

My home was sold in the XXXX XXXX XXXX sale on XXXX XXXX, XXXX. I understand that the property is no longer owned by myself and I am aware that I must vacate the premise. 
I made several calls to Nationstar mortgage inquiring about concessions regarding my move and time to pack up and vacate the premise as I have been residing in the home for ten years only to be told that there is no one to discuss this matter with. 
I am requesting a move out date of XXXX XXXX, XXXX as I need my son 's transition to be least disruptive to his life and educational stability. 
I have been in the home for ten years and it is the only home my eleven year old son has known. My request is significant and would be most beneficial for the educational and emotional stability for my son. My son has been diagnosed with a learning XXXX which prohibits him to transition as readily, easily and smoothly as others would normally. 

I would truly appreciate assistance from you regarding this matter as I prepare to restart my life after getting into debt and becoming bankrupt after trying for years to provide stability for my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX Update my credit as current for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was current on all those months ; I provided with information in the past it's been almost XXXX days with no resolution no actual proof of updating my account correctly instead you keep updating my account incorrectly. I need to update the current as soon as possible you are hurting credit report. 
Lastly, - Missing payments for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( the following payments have no payment history ) Due to your mismanagement of my information. 

I request immediately, update my payments as current never late.
Product: Debt collection

On XX/XX/2021, a CMRE signed for a dispute letter to a file that is located on my XX/XX/XXXXand XX/XX/XXXX report. They have failed to respond to this letter within the 30 day time limit. I have attached the signature page and letter and demand they immediately remove this collection from my credit files and send a letter stating this has been done. If this isn't done immediately, I will also contact my state 's attorney general who will forward the complaint to the FTC.
Product: Credit card

I had a credit card with Chase Bank that had an outstanding balance that was discharged thru bankruptcy. This debt is still showing on my credit report. I met with Chase Bank employees to get a written statement that there was no outstanding balance. Although the bank agreed that the balance was discharged they would not provide documentation to that effect.
Product: Debt collection

I have been disputing this debt for months. I have never received any documentation from them regarding this alleged debt. They are reporting false and inaccurate information on my credit reports.
Product: Checking or savings account

I am writing a complaint against Navy Federal Credit union regarding multiple overdraft fees. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagging posts of charges and credits. This issue aligns with the recentCFPB findings against Naby Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and require an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX  XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX Collection {$410.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Collection {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection {$800.00} XXXX XXXX Collection {$800.00} XXXX XXXX XXXX XXXXXXXX Collection {$320.00} XXXX XXXX XXXX Collection {$110.00} XXXX XXXXXXXX Collection {$180.00} XXXX XXXX XXXX Charge-off {$780.00} XXXX  XXXX XXXX {$270.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX  XXXX Charge-off {$710.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX Charge-off {$110.00} XXXX XXXXXXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry {$0.00}
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received this phon

y letter from " Pingora Loan Servicing '', which I have never heard of. I have never had a mortgage serviced by this company. I believe they are using this as a scare tactic for people who won't know any better, to get them to sign up for this " Identity Monitoring Service '' - which they probably don't need. This is misleading and false advertising, and they should be forced to stop this. I'm attaching a copy of the letter so you can see for yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I notice on my credit report that there was a collection for Swiss Colony in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to Swiss Colony and it still showing on my credit report. WHY????

I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 different letters to each Credit Bureau Experian, XXXX and XXXX within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.
Product: Credit card or prepaid card

XX/XX/2019, I file a claim with Bank of America EDD Prepaid Cards for transactions that I did not make or authorized as well i notified to this institution that I was victim of identity theft on a prior call and before XX/XX/2019 I cant see whats going on my accounts, transactions etc, the reason? Because they did not send me any any statement by any form e-mail or mail. They stat mailing my statements since I report the following claims : claim number XXXX {$2500.00}, claim number XXXX {$420.00}, claim number XXXX {$150000.00}, claim number XXXX XXXX, claim number XXXX {$97.00} but from that point I cant recovery from that and BoA send me a statement said we have concluded our investigation and have determined that no error have occurred in this instance and that I am liable for unauthorized transaction ( s ). So Ill could that that but they they weren't even mailed statement ( for making sure that I have the knowledge of my transaction ( s )  thats unfair and Im supposed to have trust in this institution my funds instead be aware of them.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Mortgage

Reference closed Consumer complaint file # XXXX Ocwen loan Servicing Property address : XXXX, GA XXXX Account # XXXX Ocwen continues to report that my account has been charged off and closed after they had investigated and confirmed to your agency that this is incorrect per closed complaint # XXXX. 
I recently checked and all credit bureaus have received information between XX/XX/XXXX that my account has been closed, charged off, hence my credit score decreased by over 100 points. 

Ocwen continues to report this incorrect statement every couple of years although i have never been late and my account is current. I need Ocwen to remedy this situation and place a permanent ban on reporting incorrect information as this is adversely affecting my ability to obtain credit. 
I truly believe Ocwen is trying to intimidate me in paying off this loan or to foreclose as they lied previously that the account was a balloon loan. 
Please investigate and advise.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on XXXX report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. I feel that I was negatively Impacted by TRANSUNION, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " VERIFIED ''. But I don't see any details about your investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

1. I reported my card stolen on XX/XX/21 in XXXX, XXXX 2. Chase representative said that I initially reported the card as lost and in my possession. Therefore, Chase denied my claim on XX/XX/21. Chase scheduled to charge back the {$2400.00} in credits to my account causing an overdraft amounting to - {$2100.00} on XX/XX/21. 
3. I called the claims department and asked why and this is when they informed me that the claim was filed incorrectly by one of their representatives. They asked me to submit the police report for a second review. 
4. I attempted to submit the police report and a statement of what happened on XX/XX/21 ( attached document ) however, it did not go through and Chase never received it. 
5. I attempted once more on XX/XX/21, this time by going to a Chase Bank branch. 
6. On XX/XX/21, I verified that they had received the documents. 
7. Today, XX/XX/21, I was informed that Chase determined " We found that the transaction ( s ) was processed according to the information you provided or was authorized '' and followed up with " No adjustment will be made to your account at this time. '' 8. So I called the claims department and they said there was nothing they can do and that the claim was denied because they determined I still had the card in my possession. They further added that if new evidence comes up they can reevaluate but that it's not possible to resubmit the claim for a third review. The representative also accused me of " changing my story '' even though the truth is that I was robbed and my cards were taken and used fraudulently without my consent 9. Another thing that I did mention to the representative on XX/XX/21 was that I didn't know " XXXX XXXX XXXX '' was a " Hospital '' merchant and so I recognized the charge was likely from a COVID rapid test I got since I was getting ready to leave XXXX for my home in XXXX ( as you know, President Biden requires a negative COVID test for entry into the US regardless of vaccination ). 
10. I submitted a police report. Why would I lie to the police? In the report, it states that the perpetrators stole my Chase/XXXX XXXXXXXX cards. XXXX XXXX swiftly removed the unauthorized charges and they have remained off. Chase did not do so and by doing so it is hurting me financially as payments set up on autopay are being rejected constantly.
Product: Credit card or prepaid card

Citi offered transferring cashback into thankyou points to shop at XXXX. I transfer XXXX XXXX into XXXX thank you points. I log into XXXX and I find that my XXXX points are now worth XXXX to purchase. The fact that Citi is advertising that I can use citi points at XXXX without disclosing that i'd lose 20 % of the value is theft. If they stand by their offer as being fair, they should also allow for reversal of my thank you points into cash rewards, which they do not allow and declined when i called to ask for this.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I have been making payments to XXXX XXXX for two years. Today I discovered that another company XXXX XXXX XXXX XXXX is holding XXXX of my student loans. I had no idea. I have had the same email and phone number for 15 years and I have NEVER heard from these people, ever. As a result my taxes were seized leaving me in dire straights. What really makes me angry is that if I had KNOWN this loan was with this company I would have addressed it, I could have had them all consolidated so I can make payments together. Because they have acted in secrecy, by never contacting me, two years after making on time monthly payments my credit score is still suffering and I have XXXX loans in default. I have struggled to get my credit on track and this is a huge set back. Not to mention I actually owe XXXX more than I took out in student loans thanks to insane collection fee 's. I want my loans taken from these people immediately. I want them placed with XXXX XXXX, the company who reached out to me and helped me get this started. I also want XXXX to receive repercussions for their part in this.
Product: Credit reporting or other personal consumer reports

i am victim of equifax credit breach i would like these items removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX {$1700.00} I attached a pic from the equifax website showing i was a victim and my i am victim of equifax credit breach Claim Number : XXXX