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

Wells Fargo, Im very disappointed in the service I have received from this company! You have Defrauded and taken advantage of the elderly and I have been a loyal member and in good standing with this company for years!

I am contacting you regarding an ongoing issue with my Wells Fargo account that I have been attempting to resolve. My name is XXXX XXXX, and I have been a dedicated customer for over 40 years. Recently, I encountered a problem that made me feel unappreciated due to an unresolved matter and a lack of empathy. On XX/XX/year>, I wrote a check for {$37.00} to my phone bill company, but they claimed it was late. I sent another check for {$76.00} to cover the missed payments, but they said they never received it. I then made a payment over the phone to avoid service interruption. Subsequently, I discovered {$3400.00} was removed from my account due to a personal check that I did not authorize. Despite my inquiries, the bank refused to provide details and escalated the matter to their fraud department. Upon their return to me, they determined it was not a case of fraud. I made a request to the bank for the check that had been written, and they sent me the checks written in XXXX and XXXX. The check in question was made out to XXXX XXXX XXXX for {$3400.00} with the check number XXXX dated XX/XX/year>, which struck me as odd since I had already used that check number to pay other bills. Additionally, the amount was alarming, as I never spend over {$200.00} on any purchases and do not write personal checks to anyone. I would like this matter to be further investigated, as a significant amount of money was taken without my knowledge, and I have not received any explanation as to why this was allowed to happen. I have documentation of the checks sent by Wells Fargo, as well as the letter I received in the mail regarding my late phone bill payment, which should not have occurred. As a fraud department, you are supposed investigate throughly! you can clearly see the checks look altered and the writing is different! I did not write this check you can clearly tell. Also, you have the means to see who this person is! Please can you help me? 
Please contact me at your earliest convenience to discuss how to resolve this matter. Thank you. 
Cell Phone : XXXX
Product: Credit card

In XXXX of XXXX, a call was made to the credit card company, and I was told I could not do anything with the account until I submitted all my personal information and photo ID. 
By this time, I had received several notices of security breaches from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX and received weekly e-mail XXXX threats, which were basically trying to extort XXXX funds. In fear of my safety, I made a police report on XX/XX/XXXX in Indiana. So now I can't move forward until all accounts are verified and validated. On XX/XX/XXXX, I was denied credit from XXXX even after I complied with all identity verification. XXXX refused to give me a written or verbal reason why I was denied. Carecredit representative actually hung up on me. A freeze has been put on all consumer centers. This situation has harmed me financially and caused emotional stress. Since XXXX, all of this has negatively affected my home purchase, paying credit cards, and health care maintainace.
Product: Checking or savings account

I received two text messages from a company called chime.com- they claim that I now have an account. I called their support number and it seems to recognize my number as being associated with an account. They would not talk to me, though, because my name is not on the account. Below are the two messages : " Chime will NEVER ask you for this code. DON'T share it. The code you requested is XXXX. Didn't request it? Call XXXX -- XXXX # XXXX '' and " Your Chime account is ready! Just download the app to access it : https : //chime.comXXXX '' I tried to explain this to them but they only hung up on me. I don't see how someone could have setup the account AND verified my phone number if they do not have access to my phone.
Product: Credit card

On XX/XX/year> I submitted complaint number XXXX. Wells Fargo responded, closed, but never resolved the complaint. 

The content of the complaint was, and still is, that I am unable to connect my XXXX  XXXX XXXX business checking account to my Wells Fargo credit card. The purpose is solely and entirely making payments on my Wells Fargo credit card. The personnel assigned from Wells Fargo had an obviously unclear understanding of the problem and resolution, and therefore closed the complaint without resolution. I am still unable to connect the accounts, and Wells Fargo indicates they have no record of my faxes of the requisite documents. In addition, for over a week I have been unable to view transactions on my credit card. Wells Fargo call center personnel have stated this is a " system issue '' however, colleagues with Wells Fargo credit cards have indicated they can view transactions.
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC XXXX XXXX XXXX XXXX, I hope this message finds you well. I am writing to request an update to my public records to reflect my current phone number. Ensuring the accuracy of this information is important to me, and I would greatly appreciate your assistance in this matter. 

Phone Number to Add or Update : XXXX To assist with this process, I have included documents that verify my identity and confirm my phone number. Should you need anything further to complete the update, please do not hesitate to contact me. 

I kindly ask that this request be handled at your earliest convenience. I would also appreciate a confirmation once the update has been made. 

Thank you for your attention and support. Feel free to reach out to me at XXXX or XXXX if you require additional information. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I received a yearly analysis on my mortgage dated XX/XX/2022. On XX/XX/2022 I contacted XXXX  mortgage aka XXXX Mortgage I spoke to XXXX as an on shore agent in the U. S. at XXXX PM. I told her I had a shortage as my home owners insurance had gone up ( prevalent in Florida ). That I would pay at the end of XX/XX/2022 the shortage and Beginning of XX/XX/2022. She noted the account ( or said she would ). I made my XXXX payment of {$660.00} and assumed all would be well. 

On XX/XX/XXXX I paid {$1300.00} toward my escrow shortages and an additional {$500.00} as I had stated I would on XX/XX/2022. When I went in to also make my regular payment of {$660.00} that was due on XX/XX/2022 I was alarmed to see the monthly payment was now {$800.00}. and change. 

I called on XX/XX/2022 inquiring about the note that was made on my account but did not receive a direct response to that, only that they person/s would recite what the payment was, escrow etc. Still not getting anywhere I asked for another escrow analysis. I was told that I would need to wait 7 to 10 days.

I know how these companies work, especially these two combined companies. If I wait for them to do anything, my payment will come due and I will be paying even more money out and on top of it I will have a late payment. 

I called again today, supposedly speaking with an escrow XXXX escalation person named XXXX which was my third connection in a line of people today. He states that they can not change the escrow analysis that it is against the Federal Law... .Okay not believing that. He also states that if I wait until XX/XX/2022 he will send me an email letting me know if they will change my payment back to {$660.00}. I told him that if XXXX does not change back my payment to {$660.00} then I will pay my own home owners insurance going forward and they are to send me back {$3400.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). I still have XXXX weeks to get my payment in by XX/XX/2022. The current escrow which is as of this date {$3500.00} ( that leaves {$97.00} in my escrows ) and I will pay my own home owners insurance. They can keep collecting my taxes. 

What I would like is my payment to go back down to what it was as of XX/XX/2022 {$660.00} or lower if I am going to pay my own home owners insurance. 

They have more than enough money in the escrow account which is {$3500.00} this amount does not include my XXXX payment as of yet for escrow. Plus an additional XXXX more months through to XX/XX/2022. If my taxes are less than {$1200.00} a year and they are collecting in excess of this amount, they will have over collected. I can not get anyone to listen to what I am telling them. It is falling on deaf ears. 

Worst of all is my payment will not be made during the time I usually make it. Between the XXXX and the XXXX of the month.
Product: Money transfer, virtual currency, or money service

The PayPal company has retained my funds for more than XXXX  days, since XXXX  I have claimed the dollar value retained by them of XXXX without any response, several PayPal agents have helped me add my accounts and debit cards to finalize the withdrawal of funds but they do not give me a response during all this time, the only thing they respond to me is they are sorry but there is no further information or detail I can provide about why the account is limited or why funds are unavailable.
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 : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : KIKOFF Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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

XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, and the amount owed is incorrect.
Product: Checking or savings account

Dear Sir, I was living on a fixed income. My roommate stole checks and food from me. When I went into the bank I found out I was overdrawn. I tried speaking with the bank they ignored me. I explained I have XXXX and was unable to figure out what was happening. 

I was willing to pay any money the bank paid out. But they wanted me to pay thousands of dollars in overdraft fees. I offered a payment arrangement for the money but they refused. The closed my account and submitted it to a company. Now I can't open an account anywhere. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against BULL CITY for reporting an unauthorized collection account on my credit report. I hereby declare that I do not, and have never consented to any contract purportedly established between myself and BULL CITY, as there exists no signed contract between us in accordance with UCC 2-201. 

The reporting of this account constitutes aggravated identity theft under 18 USC 1028A. Knowingly transferring, possessing, or using someone's means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

I demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to this alleged obligation. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action.

Furthermore, I hold the credit reporting agency accountable for failing to investigate the accuracy of this account prior to allowing it to be falsely placed on my report. This failure to verify the legitimacy of the account violates the FCRA 's requirement for maximum possible accuracy in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy 7 years ago and experian and other creditors are giving me a bad report these are incorrect and it's giving me a low score I owe nothing but my mortgage and 2 credits complies which I have never been late on these creditors need to update my profile or I will contact OIG and fair Act Crediors.Experian and XXXX are giving me wrong times dates I owe nothing never been late ....
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 business 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 with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage statement dated XX/XX/XXXX showed i owed an outstanding balance of {$1900.00} with a due date f XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. The next statement dated XX/XX/XXXX showed my payment had been received and credited to my account. however, this same statement also showed I still owed {$1900.00} as a 'suspense ' balance. It was unknown to me what 'suspense ' balance meant. on XX/XX/XXXX, i contacted the mortgage company PHH at XXXX and spoke to one of their representatives, XXXX, who verified to me that my payment of {$1900.00} had been received but for unknown reasons it was not credited to my account ; it was on 'suspense '. XXXX assured me that i would get a corrected statement within 10 days. on XX/XX/XXXX i went online and submitted an email to XXXX inquiring about my concern. a few days later I received a response stating they could not provide me with any information because i had not registered an account with the mortgage company. On XX/XX/XXXX i called again and spoke to the representative, XXXX XXXX, who was rude to me stating there was nothing she could do but the case was under investigation and that i would get a response within 30 days. on XX/XX/XXXX I called the company once again representative, XXXX, told me i had to request a payoff amount in writing, which she requested for me. On XX/XX/XXXX i did sent the payoff amount by registered mail. The company received my payoff payment of {$400.00}. Regardless of the constant communication I maintained over the phone with the company, during this time frame from XX/XX/XXXX thru XX/XX/XXXX I received about 4 letters from the company stating that i had a past due amount and the last letter dated XX/XX/XXXX notified me that the company was initiating foreclosure on my property. 
I feel I have been harassed by this mortgage company by sending me several past due account letters and the foreclosure notice when in fact I had always made my payments in a timely manner and even paid off my loan ahead of the schedule. On XX/XX/XXXX i went ahead an created an account and sent another email to the company inquiring about the status of my account. On this date when I logged in to my account, their system showed I had paid off my account in full. 
Thank you for any assistance you can provide with this uncomfortable situation. 
XXXX XXXX
Product: Credit card

XX/XX/2023 {$1100.00} Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the credit card collection I asked for clarification on the reason for the repossession and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan, including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding credit card collection under state laws to ensure proper procedures were followed by the lender.

5. Followed Up : I followed up with the lender on XXXX to confirm receipt of my request and to seek updates regarding the next steps.
Product: Mortgage

We closed on our house in XXXX in MN and therefore any exterior things like a driveway could not be completed and needed to go into escrow. Our builder informed us that they would not escrow but that if we used their mortgage company - Eagle mortgage - that they would escrow for us. We had previously worked with another mortgage broker but decided that it seemed odd to pay for our house in full even when things are not complete and then pay for the escrow items again - essentially paying twice for the things that wouldn't be complete at closing and went with Eagle Mortgage. 

The entire process was sloppy and most documents were full of incorrect information but we were forced into signing as they said none of the documents until closing were legally binding but we needed to sign these or we wouldn't get our mortgage and to close on our house. The constant threats became exhausting but we pushed through and on the night before our closing, we were informed that our closing costs went up approximately {$3000.00} and that we would need to fund our escrow of {$7200.00}. This was at XXXX XXXX  and our closing was the following day at XXXX XXXX. We had already wired the closing about of roughly {$130000.00} and were told to " bring our checkbook ''. Luckly we called the title company and the said they do not accept personal check, which we though would be the case, but they would wait for us to go to the bank to get a certified check. 

The evening prior we had many conversations with the Mortgage lender where she continued to say whatever in that moment would make us happy - several times lying. At this point we began to point out the inaccuracies. We were told we wouldn't close on the house if we wouldn't pay what we were told to pay.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine, I suspect identity theft, these accounts only report on Experian and XXXX and I would like them removed : XXXX XXXX : XXXX opened XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been experiencing issues with Identity Theft for the past 10 years. I was apart of several data breaches, including XXXX, insurance companies and banking. I have been constantly working to get my credit issues addressed, with only 25 % of corrections being made. The companies are not assisting, which is frustrating because I am a victim.
Product: Money transfer, virtual currency, or money service

Pay pal has permanantly frozen my account for no reason. A friend tried to send me money on XX/XX/2022, and i could not access it. I called customer service and tried to transfer different ways at the suggestions of customer service, and then paypal froze it. I contacted supervisors several times & said i was not a buyer or seller... .just friend to friend... but they say they are keeping my money 180 daus. That is XXXX. I did nothing wrong. They should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Transunion replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I reported several disputes to Experian regarding XXXX XXXX and XXXX XXXX XXXX XXXX reporting different inaccurate balances on my credit report which is violation of the Fair Credit Reporting Act. 

Experian failed to properly investigate and delete XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 
According to the Fair Credit Reporting Act, when a creditor report inaccurate information to the credit bureau the accounts should be deleted from consumer credit report.
Product: Credit card or prepaid card

I am a XXXX XXXX victim of severe identity theft fraud since XXXX. 

Here is the " police report '' and " Identitytheft '' report attached! I have faxed to fiserv, yet no reply!!! Money network refuses to review this " new '' correspondence. Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I. 

My current phone number XXXX was a victim of fraud as have all my previous numbers been since the identity theft incident initially in XXXX, please see attachment! 

I contacted fiserv on XX/XX/XXXX I had spoken to XXXX and a XXXX. I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " monkey '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. 
Please help so no other protected class individual has to be mistreated by fiserv/money network. 
Thank you.