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

Hello, How are you? My name is XXXX XXXX and I bank with Wells Fargo. On XX/XX/year> I had the most awful experience in customer service by one of your managers located at XXXX XXXX XXXX, XXXX, GA XXXX. Initially I went to the bank to cash a payroll check a check by the way i have cashed before with this bank, previously before that, when I cashed this check i did so in my business bank account, as of now my business account is over drafted, so i wanted to cash the check in my other account due to financial hardship first of the year. The associate initially who cashed my check was pleasant, he made XXXX dollars available that day and told me the rest would be available tomorrow. Here is where the problems began, I asked for a paper check. I was told that paper checks are a XXXX  a piece and come in sums of XXXX. This associate who seemed fairly new needed the help of the manager to override something in the system to order me a check. From there she began to go over my account, an account that i have had for years and started telling me about nsf fees, overdraft fees, i was never made aware of, she told me my card was closed and that enraged me because i used that same card to cash my check before she came to help the teller. she told me after looking at me in my face, scanning my card, looking at my id and verifying that the address on the check matched the address on my id, that she would rerun my check, place a new hold on my check for several days, and only make XXXX dollars available to me at the start of the new year, due to it looking suspicious. This is a time of the year where bills need to be paid after the XXXX season. I had contemplated whether I would report her or just write it off as a bad experience and just withdraw what business I have there since I am clearly not valued by her as a customer, or a consumer regardless of my bank account status. Alas, today I looked in my account and i was told that tomorrow my funds would be available, but the problem is the amount on hold after all of the drama is {$20.00} dollars short of what I am supposed to receive. It may not seem like a lot, but its the principle. My check was XXXX, minus XXXX dollars that was made available, that should be XXXX but i also got paper checks so even if you minus {$3.00} that should not be my balance. At least i should be at XXXX, but i had a positive balance in that account so that still doesn't make sense. I have been threw a lot and someone maliciously being petty and mean, and willfully not paying attention to detail in order to further spite a less than peaceful interaction is not appreciated, but rather disappointing that, that's her disposition. At the end of the day all I want is my XXXX dollars back, and to pay off my business account so I can transfer my business elsewhere.
Product: Mortgage

In XXXX of 2020 XXXX XXXX sold their bank to Specilized Loan Servicing. 
I had a HELOC with XXXX XXXX bank. 

I was given no notice or information concerning how to access my paid up line of credit. 

I contacted company multiple times with no response. 

I ultimately filed a complaint with CFPB. XXXX. 

I was told that the company would resolve problem. I was forced to pay {$46.00} to close account, which I did on XXXX XXXX. 

I received notice onXX/XX/XXXXthat loan was closed and that my mortgage was released. I have received no notification of release nor has county clerk. 

This has caused severe financial issues for us through absolutely no fault of our own, specialized services has made no effort to fix the problem that they caused. 

They are NOT a company that one should deal with.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Money transfer, virtual currency, or money service

My brother and i have massive issue with our e-wallet provider Coinbase. Since XXXX weeks i try to contact the XXXX support team, but it 's unsuccessful. I try the support requests, i try to contact them in social media, i try to call them. Nothing, i never got any answers. Meanwhile we searching for XXXX that we had deposit via bank transfer. 

I do n't know what we should do now. Please, con you help me. 

Thank you
Product: Mortgage

I bought my house in 2006 and put 25 % down. Ocwen manages the loan, andI have been in foreclosure several times. They say I can not have loss mitigation. 
The loan is now for forty years with a balloon payment. The note is worth about XXXX, the house is worth less than XXXX. They have charged so many fees. 
The first year alone I paid {$29000.00} to the company, yet I own more now. I was diagnosed and treated for XXXX, and I feel I ca n't go on like this. 
I am very scared. I have no family really, I have a great son, and my husband is mad all the time. I had a lot of friends where I used to live, I do n't know anyone here. I can not sleep or eat, and am still sick from the XXXX XXXX. I have no consumer debt. I know we all have to make our own way. My father was in the XXXX XXXX, we were stationed in XXXX and XXXX. He left me something when he passed at age XXXX when I was XXXX. He was a great father. My uncle, a XXXX, took that from me. A district judge signed off on a settlement agreement where my uncle said he would give it back, but he has n't. I want to leave something to my son, he is a good boy. I am very lonely, and would like to work more. I have never taken disability or anything, but I really really need some help. Thank you in advance for reading my words and thinking about my family. 
Take care now, XXXX
Product: Checking or savings account

i have a checking account with HSBC. I found my balance was not correct and that happened in between XXXX and XXXX. I called HSBC asking monthl statement for that period. They said the oldest date they can provide for statement is from XX/XX/XXXX. Please help me to get statments from XXXX XXXX from HSBC. 
The account # is XXXX. Thanks
Product: Debt collection

On XX/XX/2022 Exeter finance sent a third party with company to come steal private property without a court order.i have been humiliated and forced to miss on out money because of this huge inconvenience.Exeter finance received a letter from me demanding them to verify the debt and they never responded to my request. they also altered my contract without my consent .making them the the legal title holder. i have proof ffrom dealership and XXXX recorded call from them stating they altered the contract. i also sent them proper legal documents for them cancel the debt .they declined to answer. 
They never gave me a right of rescission form, failure to disclose those rights are against the law .the interest rate is higher than California legal limits as well. 
Exeter Finance has caused me mental and physical harm i plan on pressing civil and criminal charges against this company.they shared my private information with several 3rd party companies to assist them in stealing my property..i take my privacy very seriously i am highly upset about them invading my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon- In XXXX of last year I purchased a new vehicle. Wells Fargo is to whom I owe my loan to. However XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  While being sick many financial complications came with it. When I called the auto loan department on the XXXX of XXXX when my payment was due she stated I had 30 days to make the payment. Today is XX/XX/XXXX and I called to confirm my payment and she said it was now 30 days late and will now be reported to all 3 credit departments. 

My payment was made however they never once contacted me via phone or email to let me know it was due. Today she updated all of my personal info. Email, phone and Address. I discovered it was all in correct and the agent said the phone number they have for me was completely different from what I stated. How was i supposed to receive calls to make my payment if the info they have was not correct. 

If I would have known it would affect my credit when I called on the XXXX I would have made my payment. 

Thank you kindly
Product: Mortgage

XX/XX/2020 closed a mortgage va loan processed through Moneyhouse, Since the start of the transaction Moneyhouse has been totally deceptive and dishonest.Moneyhouse through its representative XXXX XXXX used the real estate broker XXXX XXXX, to obtain sensitive financial information from me.This was at the beginning of XXXX.Would like to clarify that I only went once to Moneyhouse once at their XXXX branch.XXXX  XXXX came to my house once to see the property and at the at that time he filled the purchase agreement in which to testify to his incompetence he me sign in the buyers spot and in the realtors spot.Much to the ydiscredit of Moneyhouse this oversight was never rectified.I need from Moneyhouse a copy of all documents I have signed during the mortgage process, from the time XXXX XXXX met me in the Moneyhouse XXXX office to the closing on XXXX had spoken to XXXX XXXX via mobile phone and he attempted to transact the preliminary steps in the process.The day of the call he was sick with stomach issues, so he told me.The process overwhelmed him and we were not able to get anywhere.He told me the pandemic he doubted if any time soon he would be to continue the process at the XXXX office.XXXX XXXX got XXXX to see me shortly there after at the XXXX facility.There I signed countless documents, which I wasnt given copies of.I especially want a copy of ( no coercion statement, copy of statement were I was told the importance of a property inspection, copy of form were different services were chosen for me by Moneyhouse ) In the process the only person I had contact with and there by perhaps he can seen as chosen by.Mr.XXXX  and Moneyhouse chose all the services for me.I have had been in several mortgage transactions and I have never met with corruption and certainly at this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

someone applied for a credit card using my information... 
I recently lost all my information/bag/phone/identification/passcodes on a trip now someone is masking as me trying to get things on my social. I have a hard inquire I didn't apply for. I would like this escalated and removed, because this was not me. I called the credit company they suggested I put a lock on my account I'm working on that now! 
how I know is I received the application results in my email. I'm trying to transfer over all my information as we speak, please look Into it, my credit is low due to hardship, I wouldn't apply for credit card right now because of that! 
please delete, remove, this inquiry. THIS WAS NOT ME!
Product: Debt collection

Received several harassing phone calls from persons saying they work for Concord Resolutions , Inc in XXXX NY ; however they gave a number unrecognized by XXXX XXXX or XXXX for me to call back. Caller stated that they had a client who named me as a person of interest in a legal matter. So I called back and they stated I owed a payday loan from XXXX 2013 from XXXX that was sold to their client XXXX in XXXX 2013. I asked why did it take so long and the representative stated because they tried to resolve the matter and I never responded. I have always responded to any debt I have. Apparently they called my brother and my mother ( I never give out their information nor list them on anything ) so that is a red flag. But the person stated they are going to garnish my wages if I do not make arrangements with them within 48 hours. If no response then they would send it for further legal action to be completed including jail time.
Product: Debt collection

I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. 
At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. 
I have called one of their numbers and told them to stop calling. They continue to call anyway. 
On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. 
I have perfect credit. I do not believe this is my debt. 
In the unlikely chance that it is mine. It is beyond the statute of limitations. 
Regardless, they are harassing me on a daily basis and I want it stopped. 
Please note : i have already filed complaints against them with the FCC for harassing phone calls.
Product: Credit card or prepaid card

I had paid off my Nordstrom account in    2014  at the  XXXX   XXXX  located at  XXXX , Virginia. After several months had past  Nordstrom  closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to  Nordstrom  at the  XXXX   XXXX  in  XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom  credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/XXXX, I received an alert from TransUnion that a Nelnet account was reporting 120+ days late. This caused my credit score to drop 61 points! I called and spoke with a representative and she said that they have not reported on my account since 2016 and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.
Product: Money transfer, virtual currency, or money service

I was a victim of a XXXX scam and am now out {$2000.00} because Wells Fargo is REFUSING to help me. Therefore I am opening yet ANOTHER complaint against them since they have denied my 2 claims : XXXX and XXXX stating the XXXX transactions were processed as requested which is not true because I was SCAMMED by an imposter claiming to be a Wells Fargo employee and even calling me from the Wells Fargo customer service number. Here is the story : On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX  I received a text message from Wells Fargo fraud alerts asking if I attempted a {$2000.00} XXXX transfer. I immediately responded No ( see attached image ). Seconds later at XXXX XXXX I received a call from XXXX, which is Wells Faro customer service, so I immediately answered ( see attached call log ). The man stated he was calling from WF fraud prevention on a recorded line, sounded very legit. ( I can't remember his first name but his last name was XXXX ) He there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not authorize nor complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with MY name and MY phone number and redo the attempted transactions. He had me send myself {$1000.00}, than {$1000.00} again. Than the call dropped. Immediately I received 2 text messages from XXXX XXXX stating XXXX XXXX sent you money ( see attached image ). I immediately called Wells Fargo at the same # that called me initially XXXX and filed a fraud claim realized I had been scammed. I was sick to my stomach. Wells Fargo has since denied my claims. They told me these were " authorized '' transactions and not fraud which is 100 % false. 

After Wells Fargo has been refusing to help me and doing much research and talking with MANY colleagues I have learned that Federal Law does protect victims of this type of scam. These kind of fraudulent transactions are covered by Regulation E, and consumers SHOULD be getting refunds. Regulation E is part of the federal Electronic Fund Transfer Act which REQUIRES banks to refund consumers for fraudulent transactions on their accounts. The CFPB put out a directive in XXXX stating the law applies " IF a third party fraudulently induces a consumer into sharing account access information ''. This is when someone tricks you, WHICH IS WHAT HAPPENED TO ME. So the whole idea that treachery is involved should me I AM protected by Regulation E. 
XXXX XXXX XXXX XXXXefunded their consumers who were tricked into transferring their funds by XXXX scams so WHY CAN'T WELLS FARGO DO THE SAME??? 

I have filed a police report and WILL take legal action if Wells Fargo can't step up to protect and help an innocent consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A proper investigation was not done on this account. Delete this account XXXX  XXXX NEBR Child Support XXXX  because missing date of first delinquency which is FCRA required. After a reinvestigation Equifax confirmation XXXX XXXXstatement said this creditor has verified that the date is being reported correctly. 
Additional information has been provided from the original source regarding this item. So, I called and asked them how could you verify a blank or missing date of first delinquency? The representative confirmed that it wast missing.
Product: Credit card

Chase Bank has charged me interest on a credit card that I had set up as an online payment to pay the full amount due
Product: Credit reporting

SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )
Product: Debt collection

I had a debt with XXXX XXXX XXXX, XXXX that was paid in full on XX/XX/XXXX. I received a letter from XXXX on XX/XX/XXXX showing that this amount was paid in full. I am now receiving calls from Aargon Agency stating that they have my debt. They are providing me with the exact same balance as well as account number from XXXX. I submitted my letter showing that it was paid in full and they are refusing to honor that letter by stating that it was a different creditor, even though the account number and balance are identical. I have contacted both XXXX and Aargon in regards to this matter and neither are willing to fix the problem.
Product: Mortgage

I called Investors Bank a few times to see if they are honoring the Governors request for mortgage companies to give us a break for 90 days. I opened up a case and was told there a small bank working in NY & NJ they are not like the larger banks like XXXX & XXXX. 
My wife is on S/S & I have since been layed off from my job. There going to email me if they can do something, the thing that concerns me is I dont see them on the list of companies working with covid people.
Product: Money transfer, virtual currency, or money service

I received a {$130000.00} wire transfer to my Bank of America account from XXXX XXXXk, XXXX bank is claiming that their client did not send the funds. Now theyve put my entire business on hold for ( 90 days ) I had to pay my supplier with other funds as well as my employees.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Wells Fargo to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Wells Fargo. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Wells Fargo respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by various ( seemingly interconnected ) brands such as XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account, and through an intermediary XXXX to fraudulent investment firms. 

Please see the attached PDF file. 


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

Thisaccountisnotvalidandhasbeensoldtoa3rdpartyafternumerousattemptstoresolvethismatterfortheamountof{$1300.00}fromXXXXXXXX.
Product: Credit card

I received a notice in the mail that the interest rate on this card would be increasing to 34.24 %! My only option is to close the account, which I did, but how are they getting away with such a ridiculously usurious interest rate?