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

Someone walked into a WellsFargo Bank at   XXXX   XXXX   XXXX     XXXX , TX on  XX/XX/XXXX  and changed my debit card pin and withdrew {$900.00} from my account.
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My apt was broken into and my debit card was home and they went to the bank and withdrew money. I reached out to the bank and they basically denied my claim and said that it was nothing they could do. They told me I probably allow this person to withdraw money from my acct.
Product: Prepaid card

On XX/XX/XXXX I went to the XXXX casino in XXXX, and went to use my XXXX XXXX  card to pull XXXX XXXX and was given an error so I used a different card. I came back a little later to try again and got the same error. I didnt realize till a week later that the money had been taken out of my account both time but no cash was distributed. So I called the atm company, who said they can do an investigation after a form e is sent to them by XXXX  ( or netspend ) and only then can they investigate. Well I called XXXX and they said they would check and send me anything they found. They then sent me a log those shows both times I tried to pull out cash it showed up with an error code and no money dispursed, but they had changed my dispute to a lost or stolen card so they could say that there was no mistake and an authorized user used the card. Then when I called and showed them that wasnt my original complaint, and then showed them the logs that prove Im right, and that the casino hasnt heard from them once, they locked my account completely permanently for risk management like Im doing a fraudulent activity. Now they just make me wait on hold for 2 hours and then hang up every time. I just want a refund for the XXXX $ I spent and was supposed to be put on the card and useable.
Product: Credit reporting, credit repair services, 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 XXXX XXXX. 
Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Cardmember Services XXXX. XXXX XXXX XXXX, DE XXXX XXXX : XXXX CARD # XXXX Previous credit limit : $ XXXXCurrent credit limit : {$13000.00} On XX/XX/XXXX, XXXX credit card reduced my credit limit for no reason. They send me an email stating : Previous credit limit : $ XXXXCurrent credit limit : {$13000.00}. I have tried to call them to find out they this action happened. They only tell me to ask for a credit line increase. My current credit score is XXXX, so I know that they want increase my credit line. 

I do not have any late payments or any over the credit limit with this bank. XXXX has not responded to nay letters about this problem. My credit score has been damaged because of this action. 

I have made ever effort to work with XXXX concerning this problem.
Product: Mortgage

I am filing this complaint against Selene Finance for mismanagement of escrow funds, inaccurate property tax estimates, and failure to refund escrow surplus. My mortgage agreement does not require escrow management, but Selene has continued managing my property taxes and homeowners insurance without justification. 

I have paid {$13000.00} into escrow, yet only {$9700.00} has been disbursed, leaving an unaccounted surplus of {$3900.00}. Additionally, Selenes correspondence anticipates property taxes of {$9400.00}, which is grossly inflated compared to my actual tax bills ( e.g., {$5600.00} in XXXX and {$5400.00} in XXXX ). I have requested a full statement of escrow activity and clarification on how these discrepancies were calculated, but I have not received a satisfactory response. 

I am requesting immediate closure of my escrow account, a refund of all surplus funds, and a detailed explanation of escrow activity, including how funds were handled and how surplus/shortages were determined. 

Selene 's failure to address these issues promptly is causing undue stress and financial uncertainty, and I am escalating this complaint to the CFPB to ensure resolution.
Product: Debt collection

I have had this same issue in the past with the original creditor  XXXX  and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency,  XXXX .  XXXX   XXXX , is claiming I owe them without even mailing me anything through the  XXXX  Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if  XXXX .  XXXX   XXXX  can not verify this alleged account ac cording to the Fair Debt Collections Act.
Product: Credit reporting or other personal consumer reports

I have contacted this credit reporting company about the account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts, proof of how they verified all accounts and also other documents so I may review to see if this is actually an account that belongs to me. 
ACCOUNTS 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: Mortgage

Ocwen violated hamp incentive program. 
XX/XX/XXXX we should have received XXXX  principal curtailment for timely XXXX payments 1 ) letter dated XX/XX/XXXX classified this hamp program as a recast offer 2 ) letter dated XX/XX/XXXX stated our XXXX payments were not timely 3 ) letter dated XX/XX/XXXX stated it was a hamp tier 2 program. 
This lender has been nothing but deceptive giving false statements or facts due to their violations. 
Supposedly lender credited us XX/XX/XXXX but reversed it mid XXXX. 
Since we dont receive statements on our account I dont know if they credited this XXXX back to principal. 
They violated the hamp program under the false claim act, which borrowers received 3 times the award plus punitive damages of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim identity theft many items shown on my Transunion, XXXX and XXXX are not belong to me I was requesting remove them and hot having positive results so far 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 are reflecting on my reports are unauthorized accounts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX, Transunion, and XXXX XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft earlier this year when somebody filed a tax return that was not mine. I have since been having problems with Equifax allowing me access to my credit an at the login myequifax.com. I also can not freeze or unfreeze my credit through the website, or by speaking with a representative. 

During multiple attempts they repeatedly tell me my account is locked and they will send me a letter in 7-10 business days explaining. The letters have been standard boiler plate type letters that do not provide a clear path to resolving the issue. 

I have sent in a letter requesting to have my identity verified including my Drivers License, SSN, Utility bill. One time I never heard anything back from them. A month later I called and they claimed the copies of the information I sent were illegible. These were perfectly readable, blown up copies of my documents. I sent another letter to them with the same information and once again never received anything back. 

Another problem is that I can get through the automated phone system to freeze or unfreeze my account ( which I did not discover until many hours of dealing with them telling me I could do nothing. ) using only my phone number, ssn, house number and zip code. I am fearful that without actually being able to login to their site to see my personal information and control my credit at will I will be put in a situation when I cam locked out completely due to accidentally entering a piece of information incorrectly. 

It seems that their system has my account black listed or red flagged to so that any single invalid attempt or inability to answer an arbitrary question dating as far back as 20 years locks me out. When they ask questions to verify my identity they ask questions that I would have to dig through my old records to get the correct answer. They refuse to give any type of assistance such as " this question relates to your " 1998 car loan '' so that I can quickly research. And then once I answer they shutdown and refuse to go any further. 

This process with this company has been very frustrating and as a consumer I should not feel I am held hostage to this cor poration that I do not even do business with. They literally control whether I can get a loan for a car or house.
Product: Credit card or prepaid card

False promises are given by reps and supervisors. I reached out to Care Credit In XXXX as I had noticed on my statement that my balance had increased dramatically. I was informed my promo had ended and that I was charged the full interest. I asked how I could get this resolved. The rep stated that if I paid my promotional balance in full by XX/XX/XXXX which happened to be my birthday, that they would waive the rest of my balance as it was all interest and late fees. I had been paying double my minimum for a year not realizing that this was doing nothing for my balance due to the fact that my payment was submitted on time however not posted on time and late fees were assessed in the amount of {$220.00} for the year. The rep seemed to understand. Fast forward a week, I submitted a payment of {$410.00} towards my {$830.00} promotional balance. I contacted Care Credit again asking for my interest and fees to be waived. They stated that the promo balance needed to be paid in full first before they could waive anything. Fast forward another week or two. I submitted another payment of {$410.00}. This left my balance of {$580.00}. This is made up of {$430.00} in interest and {$220.00} in late fee 's. My promo balance was now paid in full. I contacted Care Credit again. I let them know my promo balance was paid in full and that I needed the remaining balance waived. They waived the original interest and still continued to charge me interest on a balance made up entirely of late fee 's refusing to waive the late fee 's aside from two equalling {$78.00}. I explained I was promised that if I paid my entire promo balance in full that my account would be wiped to a XXXX  balance as the remaining would only be  interest and late fees. The supervisor told me there is nothing he can do. So they basically tricked me in to pay this large lump sum under an agreement that I would then be in good standings when I followed through with my part they did not follow through with theirs. I now have used all the money I have and am being threatened to be sent to collections over a {$170.00} balance of late fees and interest on my late fees. Safe to say I closed this account as I do not want to deal with this company and it's untruthful ways ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is old from XXXX and the company keeps putting in my credit report that the account opened year after year after year for example they said it was open in XXXX they said it was opened in XXXX this credit is this debt is like 12 years old or so and they just keep putting that information on my credit report and won't stop. 
My name is XXXX XXXX and the company that's trying to collect his afni
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX inquiry by 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 and Equifax : XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Status : Charged off with a balance of {$2300.00} On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe.

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected.

3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/XXXX, I was trying to do a transfer from my bank account ( XXXX XXXX XXXX  account ) to a friend using Paypal. When I clicked on the transfer Paypal site showed me immediately a message that the transfer can not be processed due to legal issues. so obviously the transfer is denied and nothing should happened. 
On the same day I received an email message informing me that the payment is pending ( although the site informed earlier is can not be done ). The email is attached under the file " XXXX ''. 

On the XXXX of XX/XX/XXXX I received an email from XXXX XXXX informing me of Paypal withdrawal US {$820.00} from my account ( which is the transfer amount ). The email is attached under the file " XXXX XXXX account XXXX ''. 
Later on the XXXX of XX/XX/XXXX I received an email from paypal requesting very sensitive personal information in order the process the transfer. The information they requested listed below : Proof of Identity : please upload a copy of a valid Government issued photograph identification ( i.e. passport, driver 's license, government-issued identification card ) which must show your date of birth and the document 's expiry date. We can not accept partial/ expired documents. 
Proof of SSN/ITIN : please upload a copy of your social security card, IRS statement XXXX past year 's W-2, or past year 's tax filing return. Alternatively, please provide a copy of your IRS letter assigning full Individual Taxpayer Identification number ( ITIN ). These documents need to show the full social security number and must have been issued within the last 12 months. 
Proof of Address : please upload a copy of any utility bill, bank/credit card statement 401K or brokerage statement issued in the last 12 months. 
The email is attached under the file " XXXX ''. 

Since the information they are asking are very sensitive, which I am not willing to give to a website, and at the same time all the information are already with my bank, I contacted Paypal customer service and asked the why did they withdraw the money from my account if they are not going to process it, and asked them to return the money as I am not willing to give that kind of information to a website and the information is already with the bank. They refused to return the money and insisted on getting the information. the issue seems like a hostage issue. They are refusing to return the money to my account although I called them XXXX times and filed a claim on paypal website. Instead they send me another email requesting the same information. Attachment " XXXX '' Than Finally they sent me an email on XX/XX/XXXX that the case was denied. Attachment " XXXX ''. 

The problem can be summarized in few points : 1. Paypal site showed that the transfer is denied.

2. although Paypal said the transfer is denied they send an email that it is processed.

3. they withdraw the money, total of US {$820.00}.

4. they refuse to complete the transfer or return the money unless a very sensitive information is given. 
I don't want there service anymore I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX name- XXXX XXXXXXXX, Account # XXXX has violated my right. 

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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

In Reference to case No. :XXXXMain Issue : Chase Executive Office Agents refuses to discuss the facts of WHY the Chase agents I spoke to approved my reimbursement transactions. In addition, they have not discussed why Chase 's Payment system allowed the transactions to occur. Those are the root causes of the scam as my interactions with Chase 's agents then put me into several difficult situations ; a. All transactions were legitimately reflected on my Online Chase account. In addition, Chase agents confirmed that they were valid. 
b. Since I was reimbursed for the purchase of computers requested by my employer/scammer, I was obligated to send those computers to my employer. Had I not sent the computers, I could have been accused as a criminal / scammer myself as reimbursement / payment to my account was already processed. 
XXXX Chase later reversed those payments, even after their own agents confirmed that they were valid. I think this is Chase 's failure to protect me as their customer, since their agents had originally approved the reimbursement / payment as legitimate transactions. 
I received a few calls from Chase 's Executive Office after the above complaints, all recorded by their system. None of their agents were willing to discuss, avoided to answer, and switched subjects from the main issue : Chase Agents ( at least XXXX agents on several different occasions ) approved of my payments using accounts provided by a scammer ( under the guise of an employer who had hired me ). I clearly stated to them that the accounts were not mine, and were being used to reimburse me for expenses " my employer '' requested me to purchase ( XXXX computers total ). 
Because Chase 's agents validated the legitimacy of the transactions, their approvals put me in an odd situation per our legal system : Because Chase 's agents had verbally confirmed that the payment to my account / reimbursement was processed and reflected in my account, I believed that the money was truly in my account. With proper reimbursement, I could not hold onto the computers I had purchased. I could have been reported as a criminal / thief by " my employer '' as I had already been reimbursed for my purchases. 
Chase exhibited negligence on XXXX counts:1. The Payment / Reimbursement process was properly executed and allowed by Chase System2. Chase Agents approved such transactions knowing that the accounts were not mineChase 's online payment system should have red-flagged the transactions, and their agents / automation system should not approved such transaction.
Product: Debt collection

On XX/XX/24 I recieved a written letter from Linebarger, Goggin, Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX in attempt to collect a debt in the amount of {$55.00} on behalf of FL DOT/XXXX XXXX It references a date of debt acquired as XX/XX/24, however, the only paper toll invoice I have received to this date was referencing a due date of XX/XX/24 for {$110.00} with no late fees applied. I was in the hospital from XX/XX/24 to XX/XX/24 with XXXX XXXX XXXX XXXX XXXX and on XXXX I did verbally communicate this to XXXX customer service via phone. I also let them know I was getting paid on the XXXX, and on XX/XX/24 I paid a total of {$210.00} for the current balance due plus any future unbilled tolls that had not yet been sent out in a paper invoice per the XXXX acount. There was no late fees assessed and no mention at any time of threat of collections. Today, XX/XX/24, upon receiving this notice of collections, my XXXX acount reflects a future due amount of {$34.00} with no late fees, and a statement for this future due amount has not yet been received. I have attempted to reach out by phone three times today to this third party debt collector, in an attempt to notify them they are trying to collect on a already paid bill. The line rings out with an error tone unable to reach caller recheck number and try again XXXX ( XXXX ) XXXX is what is listed on their collection notice.