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

Good evening Madame or Sir, I'm submitting this complaint, not to cause any problems, but to possibly raise an elbow or 2 to get someone to take a look into what's really happening to everyday people like myself. On XX/XX/2021 ( Monday ), I go to work as usual, only to have my phone stolen, immediately after not locating it I go into a panic, from there I make preparations to getting another cellular device, long story short the next day I do so ( unfortunately purchase another phone ), now here 's where my nightmare begins!! Once I get myself situated from work about to start my night as a student, I chose to download the new app of Chime Bank to my new phone, all there is to do is sign in but I forgot my password, Great,, which isn't good but I haven't had any previous issues so I figure what the heck, I submit from the a request to reset my password! I'm thinking ok within a few minutes they should be able to send it through my email & I'll continue from there.. Oh no, cause I had to say after a certain amount of attempts why I'm still having trouble renewing my password, why I'm still having issues with this process, I get an email saying someone should be contacting me to help me with this process, I figure ok, I would get an email in no time & I can go my way! I decided to place my own call to see if I can check on the status because the email said I should upload my driver 's license, a second form of ID which was my S.S. # & proof of my address which I sent! XXXX, complete run around! I was told I still needed to upload another clearer form of my physical address because the original one I sent wasn't eligible, so I did, I emailed a letter I had received from the mail, from there you now have 3 formal pieces of identification!! From FridayXX/XX/XXXXto Saturday XXXX, still nothing, by Monday XXXX I'm livid, NO RESOLUTION, NO MONEY & still given the run around, CHIME claims they're backed by XXXX. & XXXX XXXX but the moment I tried to get a resolution from them to somehow, I was re-routed back to Chime Bank who's employees have no idea what it is to be on Californian soil, ask them what the area/ zip code is & you have to be told either they're not at liberty to say or to hold on for just a moment while they look it up!! Wow, are you kidding me?? Area codes as well as zip codes come right off the time of your head w/ out second guessing that!!! Longer story short, I've been told that emails were sent to me which I have no inclining about pertaining to my account addressing the issue, PLEASE.. what I don't have time to do is lie on anything or anyone! I told the so-called manager who was a waste of time speaking to over the phone that I would be filing a complaint against them, him being smart said I have every right to do so, which I told him I didn't need an approval from him but be advised as to you've been warned!! This as I've stated, has been my XXXX on this Earth & I need HELP ... I need access to my funds to continue paying my bills & if not close the account because at this point there's nothing left to do!
Product: Mortgage

Bellow is the complaint filed with XXXX XXXX on XX/XX/XXXX and was suppose to get response in 7/10 days. Its now over one month I have not received the information as promised. Entire exhibits has been provide to Shellpoint and I am not including with complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Shellpoint Mortgage Loan No XXXX DISPUTE OF PRINCIPAL BALANCE AND INTEREST This is my official dispute correct the principal balance on the account principal balance of {$60.00}, XXXX is not correct principal balance. 
Interest calculated for {$2300.00} is too excessive for 3 months, XXXX had loan since XX/XX/XXXX and XX/XX/XXXX they only charging me {$490.00} interest. 
Correct principal balance should be {$38000.00}. 
REASONS : 1. XXXX took out or applied {$17000.00} from the payment of {$60.00}, XXXX made in XX/XX/XXXX to escrow account. XXXX and stated to CFPB complaint they only collected {$1.00}, XXXX. Mortgage statement date XX/XX/XXXX attached states {$17000.00} was applied escrow account of {$60000.00}. See XX/XX/XXXX statement. 
XXXX reported to IRS tax paid was {$3200.00} therefore {$15000.00} escrow over charged and not reported to IRS. Its violation of federal law not to report correct tax. 
XXXX was transferred to XXXX on XX/XX/XXXX only information reported on the tax form XXXX is box 1 to 11. 
a. 1098 property tax for XXXX reported to IRS is {$3200.00} XXXX. XXXX property for XXXX reported to IRS is {$3200.00} XXXX For XXXX {$3300.00} XXXX XXXX IRS HAS BEEN REPORTED FOR {>= $1,000,000} AND AS LICENSED TAX XXXX XXXX XXXX CAN ONLY BE USED XXXX YOU CAN NOT CHANGE THIS 2. Public nuisance that was billed through back door by city is not property tax bill or escrow related charges. 
d. In XXXX tax bill had {$3.00}, XXXX public nuisance e. In XXXX tax bill had {$2600.00} XXXX. XXXX attorney XXXX XXXX email received Court has XXXX records so this must be removed as well. Attached email stated how many times county has tell me they have no records and yet I have pay for this. 
4. As XXXX XXXX states contractual agreement states my obligation to pay my obligation to is principal and interest and thats written contract does not escrow. 
5. Therefore, I am requesting to remove escrow account or amount from loan modification, and I want only pay principal and interest as stated on the loan. 
6. I am only willing to pay principal and interest no property tax, escrow account at all. 
Now that I have filed official dispute under FDCA1692g ( b ) XXXX XXXX can only collected undisputed amount until records are provided in response my dispute. 
Any late fee or other should be removed or should be billed for the matter of facts I have been asking records since XX/XX/XXXX. 

Dated : XX/XX/XXXX s/s XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I'm a victim of identity theft. On XX/XX/year>, someone did a XXXX swap and stole my phone number. They then reset my Wells Fargo Bank password using the code sent to the phone number, and logged into my account. They wired out {$2000.00} twice, total {$4000.00} from my account, again with the verification code sent to the phone number. I went to the bank branch, reported the incident and requested the recall the same day. On XX/XX/year>, Wells Fargo bank informed me the recall was not successful, and also denied my claim of the illegal wire. They refused to reimburse me for my loss due to the identity theft. 

I believe Wells Fargo 's account security is not adequate. It allows resetting password and immediate wiring out money with code verification sent to the same phone number. I also believe the recall effort is not adequate. I requested recall only an hour or so after the wire initiated. And Wells Fargo refused to provide the bank account details of the destination. Lastly, although Wells Fargo acknowledged that I didn't initiate the wire. they still denied any wrong doings and denied my claim. I filed the police report and FTC report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate. They informed me recovering lost funds was impossible and tracking was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Money transfer, virtual currency, or money service

I open a checking account on XXXX XXXX. I transferred money from my line of the credit to my new checking account. The first day even I transferred fund from loan to checking still put my fund depended. I tried arrange a XXXX transfer for {$1800.00} but it didn't go through. Someone in the call center told me KeyBank has limit and it is {$500.00} per day which it was very supervised me. I tried for {$500.00} but still gave me hard time and it showed a black page which said unable to process transaction. I called couple times & online customer service told me it is automatically blocked by our system and we are asking for assistant. I spoke with their supervisor and she said their system is blocked and none can do anything & just wait for 48 hrs. Again this morning, I tried and it was blocked. I called to the branch but they told me call to the online banking as we can not do anything. Again I called to online banking and a guy in online banking said still is block. I told him it passed 48 hrs, funds is available and even your bank start charging me with interest but I can not move my money. I am a former employee and I am not spam or anything else that keybank hold this account. He said I can just set up again for you and it take another 48 hrs that our system release the block. I asked talk with his supervisor but after a while he came back and he said supervisor are not available right now. Again they brought excused about XXXX but As we all know financial insinuate are ordering to their system Not XXXX. XXXX said we are middle man and we just transfer money from your account ( when your financial institute make available ) to other party and we don't do anything else. I called to the XXXX and they said " please just call to your bank ''. I tried it again tonight and still give me hard time. Key bank system has very bad reputation for years & none fix this issue in this bank.
Product: Credit card or prepaid card

At the end of XXXXbeginning of XXXX I called Bank of America and asked about changing our XXXX XXXX travel rewards card to just a general rewards card. The customer service lady said it could be done, but that I would not qualify for any new customer rewards bonus plans. After I asked, she also said I could still use my XXXX points I had accumulated on the XXXX XXXX card. So I ordered/transferred to the new card. Two-three weeks later the new card, with a new number arrived and I activated it on XX/XX/XXXX I believe. Upon checking my online statement I discovered my old card had completely disappeared as did all the XXXX XXXX points and that they had been " converted to a new rewards program ''. I called Bank of America and that gentleman told me that they had converted my points to rewards cash and would be crediting my rewards account with {$1200.00} ( or {$1200.00}, I can't remember exactly now even though I've repeated it so often with them ). And if it had not been credited to XXXX, to call back. He even sent me an email on how to redeem rewards. It had not been credited and I called back I believe on XXXX. That is when XXXX and XXXX XXXX told me I had been " misinformed '' by both of the the previous 2 customer service reps. I am really entitled to nothing. And furthermore claim that notes had not been made or were not clear. XXXX proceeded to take my claim ( although it took a number of attempts for him to get it correct and I don't know if he ever did ). He also lied and claimed it would be 24-48 hours to honor my request to talk with a supervisor. It has never taken that long, and it didn't this night either. In the end, they both said they would have to submit a claim to the rewards division for their review, with could take a month. They also insisted we make a claim for {$1600.00} instead of the {$1200.00} because that was the real value of the points and I stood a better chance instead of using a random number like {$1200.00}. I said all I wanted was the {$1200.00} because that is what I agreed to, but whatever. Today, XX/XX/21 I called and was informed a letter was sent that basically all is denied. So everyone at Bank of America has lied to me and defrauded me of XXXX XXXX XXXX points or the rough cash equivalent of {$1200.00}. I am only wanting the {$1200.00} because that is what I accepted/agreed to initially. If I knew I was going to loose everything, I would have simply applied for and gotten a different card from a different bank. These people stole what I have earned and have lied about it since. This is not an honorable or acceptable way of doing business in this country.
Product: Credit reporting

I was checking my credit score and had seen that there was an unknown debt on my credit score report.
Product: Checking or savings account

My wife and I were both customers of the online bank named Simple that was backed by BBVA. BBVA was, I believe, acquired by XXXX and decided to shutter Simple. We were informed all of our accounts would be converted to BBVA or need to be closed. As soon as a new financial institution was chosen ACH transfers were initiated and were completed. I began what turned into multiple attempts to contact BBVA to close both of our accounts as well as our joint account. Three days in a row I sat on hold for WELL OVER an hour ( the first day I called multiple times and the results were the same ) while consistently told my time was important to them. Each time the line would eventually pick up ... only to drop the call and hang up on me. This same process happened the week following as well. Given my accounts had clearly been emptied and they weren't concerned enough to properly staff I gave up expecting that they would simply close the accounts. 

I've since received overdraft fees ( which would not exist were I able to close my accounts ). I again attempted to call but now BBVA will only answer calls during normal business hours. Given that I work during those hours as well that's not feasible. Even if I could find the time to do so it would be at my expense during MY business hours. I do not have an online account with BBVA as I never intended to be their customer. 

Frustrated, I sent a certified letter via USPS instructing BBVA to close both my account as well as my wife 's account. This was received by BBVA as can be confirmed with USPS tracking number : XXXX. 

As they continue to harass me with mail I would like to let BBVA know that we know that life gets busy and the unexpected happens. They can contact me after XXXX CST to the phone number they would have on file. Their failure to complete a conversion process for myself and many others ( per the non-stop string of complaints visible online ) is not my fault. THEY are a BANK. This involves peoples finances which include things like ensuring they can pay for medical care, cover their mortgage, and all the various things we rely on banks to provide. BBVA failed their customers ... of which we never intended to be. We were Simple customers and attempted to leave per the methods THEY informed us to take. I simply refuse to expend additional personal time ( at MY financial expense ) on something that was not of my own doing. I attempted to close accounts as I was instructed to do so. My accounts were empty. We took every reasonable action AND BEYOND to prevent and further STOP additional actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent ITEMS to be removed from the Credit report. 

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

This two with XXXX XXXX XXXX Account Number XXXX Account TypeCredit Card Terms Revolving Date Opened XX/XX/2016 Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/2016 is not mine, they was removed from my report and then added again by EXPERIAN As a result my credit keeps decreasing. to. This increased my XXXX level causing my XXXX XXXX to increase and I began to have further issues with my XXXX. I ended up having emergency XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires on my report weren't initiated by me. Customer service would not help.
Product: Credit reporting

In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.
Product: Mortgage

On XX/XX/18, I sent freedom mortgage an email requesting 12 months of mortgage payments deferment under section 8 because I was fired from my job XX/XX/18 ( documents provided to them as proof on XXXX ). 

The request for deferment was denied by freedom mortgage on XX/XX/18 because they don't do deferment.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 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, credit repair services, or other personal consumer reports

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 bi more than sevon 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