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

My debit card number was hacked where I bank at Wells Fargo. Upon receiving a text message from their fraud detection system on a {$1000.00} charge, I immediately responded no, and called the wells fargo fraud department. By the time they cancelled my card, another transaction was charged of {$4000.00}. Upon trying to go through the fraud claims process, Wells Fargo has stated, without providing documentation stating so, that there appears to be no fraud on the account, and they denied my claim for the total of {$5000.00} that was taken from my account. The charges were used to purchase XXXX from XXXX, and since it's a XXXX XXXX XXXX, I can not receive my money back from XXXX.
Product: Credit reporting or other personal consumer reports

Credit Card Company closed my account and placed a charge off on it. I was nerver billed for any outstanding balance. I reached out XX/XX/24 to see if I could retify this issue. I offered to pay the balance on the account if the charge off would be removed and state paid as agreed. I didn't request a deletion as there is only one small amount that's due, otherwise the account has a perfect credit history. I would like to keep this account if the chargeoff is removed as it would help my credit score. 

Account ending in XXXX
Product: Mortgage

I applied for an assumption for our mortgage in XX/XX/2023, ( at this time they verified my mortgage was assumable and assured me that it would not take longer than 90 days for the entire process ). The mortgage company verified that they received my documents on XX/XX/2023. Since then, I have attempted to contact the company. The first time I called, they verified that they received documents and we should get the next step of the process within 7-14 days. Once that time had passed I, again, attempted to follow up. This time the customer service Rep said they would put a ticket in for the assumption dept to call me back within a week. After 2 more weeks, I followed up and they refused to escalate the ticket and refused to allow me to be transferred to the assumption dept or to talk to a customer service supervisor. Since then, I have followed up regularly with the same responses of pushing a ticket to be called back, and to give it more time. The last time I spoke with a customer service rep she even said that it was ridiculous that I haven't received any further communication or follow up from the assumption dept. Customer service said there is nothing else that they nor I can do to move this along any further. 

I feel as though Freedom Mortgage is breaching our mortgage agreement. I also feel as though they are breaching our verbal contract that the process would be completed within 90 days. They are not allowing us to have our mortgage assumed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020 a had an hard inquiry from XXXX XXXX, and it has expired. ( To be removed ) and I did not have the 5 points Removed by this inquiry returned. and on all the other 2 expired hard inquiries on that month I receive five points. XXXX + XXXX XXXX XXXX = XXXX not XXXX. I respectfully ask that you Equifax fix this error. Attachment shows mishap
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, Transunion and XXXX update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.
Product: Credit reporting

I have disputed this account many times. The attached XXXX letter states the account was not being reported properly ... " I also confirmed that the consumer reporting agencies were not updated to reflect the sold status at that time, and regret any inconvenience that this may have caused. '' In addition, the date of last payment is still incorrect. This account is over seven years from the date of last delinquency. If this is not removed, I will sue XXXX and Equifax and they can point the finger at eachother as to who dropped the ball in the incorrect reporting. The language used in the attached letter shows XXXX is already indicating it will throw Equifax under the bus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection
Product: Credit reporting or other personal consumer reports

TRANSUION did not complete or a remove collection ( National credit systems or inquiries from my report letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : Failing to protect my consumer rights as a victim of identity theft XXXX did not Remove the inquiries or fraudulent accounts within 4 business days according to section 605 of the fair credit report act if these accounts are not removed asap I will have no choice but to file in Federal court Also caused Emotional Distress Im also attaching documentatio
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK did an unauthorized hard credit pull on XX/XX/2020, which was made without my consent. While I have a new car loan with US BANK, the only time I agreed to a credit pull was during the application process on XX/XX/2020. Again, the second pull on XX/XX/2020 was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning I have been trying to resolve an account that was opened fraudulently with Capital One for over a year now. 

They had removed the account and they added it back to my credit report stating that it was in fact me. I have sent police reports and mailed personal statements to the credit bureaus and Capital One stating that I have no knowledge of this account and that it was opened without my consent. I have disputed multiple accounts unfortunately because my personal information was stolen from me. A police report was made and the date is listed with the attached file. I have since put credit locks on my account and have done everything within my power to prevent this from occurring again. I have asked Captial One what proof that they have that was in fact me opening this account and they refuse to let me know. A woman stated " They can not tell me because of privacy '' I have had a XXXX number for over 8 years now. That doesn't make sense.
Product: Debt collection

On XX/XX/XXXX requested verification of this unkown debt there has been no response an no proof of a signed contract or type of loan or credit card. Any business I have ever had with Wells Fargo I have paid in full in the past. This debt is from XXXX which is more than 15 years old.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX has violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. I attempted to get a property modification for my house at XXXX XXXX XXXX XXXX XXXX  5 times and they never responded. This is a violation of federal law. They have also been investigated under the RECO Act. They have also had many class action suits against them. I'm attempting to get XXXX involved with my case. The people must be made aware of this Banks activities.
Product: Money transfer, virtual currency, or money service

I made a purchase from an XXXX seller for automotive part, the seller invoiced me three times due to amount of the transaction for the amount of {$1900.00}, {$1900.00} and XXXX all for one item with the same tracking number. The item was shipped and I could not located the package so I got in contact with the seller and he refused to resolve the issue. I opened Paypal disputes for each of the transactions and lost because the seller provided tracking information. On XX/XX/XXXX I spoke with a Paypal representative that help me track down the package. The item wasn't as described and I so I returned the item back to the seller 's address on the invoice. Tracking # XXXX. I contacted Paypal on XX/XX/XXXX because the seller has my money and the item has also been returned. I was instructed that I would receive an email and I have not received a response yet regarding this matter.
Product: Checking or savings account

XXXX XXXX attempted to deposit a settlement check related to a legal complaint against a local company in the amount of {$2500.00} on or around XX/XX/18. Since that time, her account has been frozen and Chase Bank has accused her of fraud. Chase Bank staff were given copies of the attached letter from the Office of the Indiana Attorney General regarding the settlement check and still have refused to re-open her account. This has caused her damage, including hampering her ability to buy groceries and pay her bills. When I contacted the attorney who authorized the check on behalf of his client, he indicated that on XX/XX/18 he was contacted by Chase Bank regarding the check and related to them that it was authorized. Yet the account remains frozen without clear direction from Chase Bank as to why this has happened and why they are not allowing her access to her account - even after confirming that the check was authorized. It does not at all explain why the entire account was frozen instead of simply disallowing withdrawal against the check until it was investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/XXXX I contacted Experian Credit bureau to inquire about a account that showed on my credit report. I explained I was a victim of identity theft and was concerned, the agent told me I should sign into my profile with an XXXX email address, I created on XX/XX/XXXX. I informed him that I did n't set up a profile, he told me it had an email address of XXXXXXXXXXXX. I told him that I wanted this to never happen again, he said because I had an extended alert it would stop anyone from setting up an account. I asked how this could happen, he said this person had enough of my information to open the profile. I asked why XXXX, would want or could access XXXX XXXX 's profile. It should be a red flag, they of any organization should have exemplary control in place to protect people. I did n't trust what the agent said so I attempted to open a new profile with my actual email address. I was able to do so, I called back and now a credit freeze is in my account, which should allegedly stop another profile from being set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 45 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOTTEN INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Money transfer, virtual currency, or money service

The reason for our complaint basically lies in a problem that occurred during a Cryptocurrency transfer between two applications of the same company ( COINBASE ). 

Having tried on several occasions to solve the problem through the customer service of said company ( COINBASE ), the only thing we have received have been standard responses, in some cases with evasions, and today we still do not know the status of our claim and we do not have any information that relates the events that occurred. 

We have tried to explain the sequence of actions that was carried out, but it has also been in vain since the sending of images through the support communication channel is not allowed. 


Making a summary, the shipment that was made is 1 XXXX XXXX from Coinbase ( Which is one of the applications ) to Coinbase Wallet ( Which is the other application ), once the XXXX XXXX was in my Coinbase Wallet I send it back to Coinbase and it is at that moment when the page begins to register loading errors, showing the XXXX XXXX XXXX  with only some options available unlike normal, the only option that appeared was to send and receive through a XXXX XXXX to a XXXX address, when in reality in the XXXX XXXX  you should only be able to receive XXXX The application errors caused the page not to load all the necessary information and the address to receive instead of appearing with XXXX XXXX which was the automatic option, only XXXX appeared when it is not a compatible currency in the XXXX XXXX XXXX portfolio that currently can only work with XXXX XXXX 

I attach some images and videos you can compare in how the page was working during the errors and how it works nowadays, also you can check in some images my wallet movements. 

The are 2 videos one with the day of errors and the other is the same process but saved today where you can see the errors automatically assigning XXXX where it has to be XXXX XXXX. 


Dates : XX/XX/2021 Case Ticket Coinbase Support XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Amount : 1 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my XXXX account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with XXXX, causing XXXX to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.
Product: Mortgage

There is currently a cease and desist order in affect against Ocwen Loan Servicing and its dishonest employee XXXX XXXX from directly communicating with me. Opposing counsel responded to my consumer financial protection bureau complaint in the past confirming. Sadly once again, Ocwen Loan Servicing dishonest employee XXXX XXXX is directly communicating with me, which I believe she is only doing to play childish games and intentionally harass me like she has done many times in the past, Or maybe it could it be that Ocwen failed to correct its system glitzes that has cause millions of the pretender lender loan servicers borrowers harm.
Product: Mortgage

On the morning of XX/XX/XXXX, I checked our local property tax site to see if Truist had submitted our payment for property taxes totaling {$2700.00} by the XX/XX/XXXX deadline. The local government website showed that they had not. This payment has now incurred a penalty of {$130.00}. This now makes the total balance due {$2900.00}. 

Immediately, I called the Truist customer service line and spoke with XXXX different representatives who both confirmed that we had paid property taxes during closing and they were to be distributed through escrow but had not done so. One representative stated that the first installment would be in XXXX and I corrected them to let them know it was due XX/XX/XXXX. 

The second representative told me they would take two weeks to research what happened and get back to us. The representative also stated that if the research finds Truist at fault then they will also pay for any additional penalties along with the original balance due. 

On XX/XX/XXXX, I followed up with Truist who told me the research would now not be completed until XX/XX/XXXX, which is an extra week beyond the original date for completion. Truist also told me that the closing attorney and title company was responsible for the first property payment.
Product: Student loan

The interest rates were capped by the US prime rate. I understand that I had a variable interest rate loan however at different times during the course of the last 11 years I was charged much more in interest than what was the " prime rate ''. My lender has indicated that the rate is set by the lender however my promissory note indicates differently. I was charged late fees at {$5.00} per month while the loan was in " in school deferment '', the loan was capitalized 7 times from XX/XX/XXXX-XX/XX/XXXX equaling almost {$4000.00}. This loan originally started as a {$6000.00} loan. At one point the balance was over {$13000.00}. That is over 100 % interest in the last 11 years.
Product: Checking or savings account

Submitting a complaint claim XXXX. Wells Fargo claims assistance Center In XX/XX/XXXX A check made out to XXXX XXXX XXXX was stolen, altered and cashed. [ See attachment check # XXXX }. 
I did not become aware of this theft until XX/XX/XXXX because I was out of state helping my daughter who had just given birth. 
I submitted a claim on XX/XX/XXXX It took a few stressful months for them to send me an affidavit and submit a claim On XX/XX/XXXX I received a letter from Wells Fargo saying I would hear from them in 90 to 120 days. Funds would either be returned to my account or I would receive a letter explaining the outcome. It has been 120 days, I have not heard from them. I reached out to them twice and was told that some one would call me back in 24 to 48 hours. In both instances they did not contact me [ See copy of Wells Fargo Letter } My husband and I are XXXX  and XXXX years of age and we have been long term responsible clients of Wells Fargo I am hoping that you can help me reclaim these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

Credit card co. continues to bill me for merchandise purchased from XXXX XXXX after XXXX XXXX has issued me a full refund, see attached.
Product: Debt collection

On XXXX XXXX, 2017 I discovered Bridgecrest Credit Company , LLC had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to the FCRA. I did not receive any such notification.
Product: Debt collection

To whom it may concern, I received a wage garnishment from messerli.kramer in XXXX, MN. Not only is the wage garnishment a fake, but they falsified a court order number and file number, but they also faked a notary signature.

I researched everything they gave me and the entire statement is a fake and an attempt to collect on a debt that is non existent and/or was discharged in bankruptcy. If it was owed at all because i never had a XXXX Credit card and all my XXXXy credit cards, formerly XXXX XXXX, are paid and up to date and active. 

But i find their tactics and practices violate the law, under FDCPA, as they are sending falsified court documents with a fake notary, which is also a crime for faking a notary signature. But i researched the court files in XXXX county Minnesota and there is no csse against me as they claim and the notary is not registered in the state of Minnesota. So their document is a complete fake!!!! They should be punished under the law for falsifying fake court documents. I am going to sue them in small claims because the sheriff serving me at home in front of my children was traumatic for them all for faked documents!!!! 

These people or " lawyers '' need to be stopped from hurting others with their fake documents and lies.