23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I am a long term, loyal customer of Wells Fargo. I have been devastated and hurt by Wells Fargo and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. In XX/XX/XXXX, I had a mortgage with WF loan # XXXX. I had a short sale which involved extenuating circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO WF mortgages. <P/>The house finally sold as a short sale in XX/XX/XXXX with WF receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with WF and my realtor. In fact, in the middle of this, WF refinanced my other mortgage on my XXXX XXXX property! <P/>Recently I tried applying for a mortgage only to find out that WF listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to WF. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from WF. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from WF, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that WF deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in XX/XX/XXXX with extenuating circumstances. <P/>I would like WF to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from WF but nothing looks possible now. <P/>I have always spoken so highly of Wells Fargo, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX
Product: Debt collection

Credit Collection Services is attempting to collect an erroneous debt issued to them by XXXX XXXX. I have two insurance plans and XXXX XXXX has not billed either and sent it to Credit Collection Services. Credit Collection Services has failed to follow the law after being informed that the debt is not mine. They refuse to contact the original billing company for guidance on the bill. The total amount of this erroneous bill is {$1800.00}
Product: Checking or savings account

My name is XXXX XXXX and I am filing this complaint about Chime about unfair judgement. 

I sold something online for someone by name XXXX XXXX and she paid me using her chime card and I shipped the products to her. She later filled a dispute with Chime lying that the transactions were unathorised and now chime is trying to take the funds back. 

I use XXXX to process my payment and I got a notification that a customer has opened a dispute and stated unathorised transactions. 

When XXXX XXXX contacted me and made the payment, I asked her if she was the one who owns the card she used and she said yes, then I asked her if she could provide any evidence to proof her identity and she said yes. 

She provided her drivers license front and back for documentation, and she also sent a selfie holding her drivers license, she also sent her Car Insurance Bill as a proof of address and she told me the payment will come from her chime card and she assured me that she will not dispute the transactions. 

She also wrote her SSN to proof that she was the one made the payments. 

But she lies to her bank that she didn't make the payment claiming it was unathorised so she can get the funds back. 

I already shipped the item to her and now I do not want to lose the money and my products. 

I have attached a screenshot of our conversation including all the documents she sent to me for evidences and documentation. 

She signed a contract assuring me that she will not dispute the transaction in the future and she assured me that her bank will not dispute the transactions in the future too. 

I need chime to know that she made the payments. 

I have sent an email to chime to explain the situation but no one is responding
Product: Checking or savings account

On XX/XX/2019 I received a text msg that stated it was from Chase Bank and that my account had been frozen and I needed to click the link to verify my account information. I clicked the link and it took me to a Chase site were I logged in with my password and verified my information. A week later on XX/XX/2019 I checked my bank account and noticed that {$2000.00} had been transferred from my savings to my checking and then transferred out through XXXX to an anymous email address which they listed under my sons name. That's when I realized that the link I clicked on a week ago was not Chase but actually a scammer. That's how they got all of my bank information and was able to go into my account. I notified Chase and filed a claim the same day. The representive stated they would investigate it and credited my account in 10 days. Well, on the 10th day the money was not there and when I called the bank they told me my claim was denied. I didn't understand why when I explained to them what happened and even offered to send them the link that was sent to me which they stated they didn't need. I asked to speak with a supervisor and she stated that they didn't have to do an investigation because it showed that I authorized the payment and it was also done from my device. I tried telling her that when I clicked on the link that was sent to me that's how they were able to get into my account and also since I used my phone, that's how it showed up that it was my device. I asked her why would they not investigate so they could see what account my money went to so they could know that my account was hacked and I did not authorize this payment. The supervisor was rude to me and stated she couldn't help me. I can't believe that as long as I have been a customer and have never had a problem that they wouldn't take the time and investigate this situation so I could get my money back. I have never been so disgusted on how I was treated by Chase Morgan Bank.
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, 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, have violated my rights 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: Student loan

I have had problems making payments to the student loan company, XXXX XXXX, for a couple of months now! I have used all of my forbearance and now my loan is in a default! I also tried doing a lower payment plan and I am just still having a hard time due to being a stay at home mom and my husband is the only one with the income! My family is my top priority and we have to make sure we have things we need and especially my son! Anyways, I had talked to corporate from XXXX XXXX recently and she lies to me by getting my mother involved saying that she had spoke to her and that she was going to call all these companies to try and help me and that she has faith in my mother that she is able to help me and if I made this payment then it would by her some time to help me ( still talking about my mother ) so of course I fell into the trap and made a payment on my credit card because I had no money and when I talked to my mother she said that is not true, I said nothing of that!! So this woman lied to me to get some money from me!! You dont bring someones family member into the issue! Thats very wrong! I also had another incident where the woman on the other line of XXXX XXXX got a attitude with me because I couldnt make a payment and she tells me then what was the point of calling if you cant make this payment?! They also added XXXX of interest to my loan because of my forbearance! Thats absolutely crazy! You can never get it paid off!
Product: Mortgage

Wells Fargo foreclosed on my home & the courts have sent me a letter indicating that the actions were within the bank 's right. I 'm being forced out of my home where i 've lived for 16 yrs with my late husband of 30 yrs. My husband passed away 2 yrs ago XXXX XXXX, XXXX. I 'd taken total care of him here at home for almost 7 yrs due to XXXX caused by XXXX XXXX XXXX in XXXX. He had a reverse mortgage & I am his spouse without any options for shelter! I 'm almost XXXX yrs old & I suffered a XXXX as he lay XXXX in the hospital 2 yrs ago.Pls Pls Help Me!!! We were a dignified family who worked extraordinarily hard for our family. My XXXX did business with XXXX XXXX, XXXX XXXX XXXX & other notables such as XXXX XXXX XXXX XXXX formerly of XXXX XXXX Bank. Something is very unethical about this process. I do not feel that anyone attempted to assist me in keeping my home. I have a right to maintain my home & dignity. My health declined tremendously after his death. Attached is a copy of the order from the courts. I 've been trying to secure relocation assistance from XXXX but have only been offered {$1000.00}. I 've lived in the area for over 40 yrs & I do not want to ever leave. I believe that my current President would not agree with such actions against someone who worked so hard to build businesses. I feel victimized & discarded. I 'm born & bred in America. My husband was XXXX. I own nothing anymore!!! Pls help me to keep my home! I am just beginning to come out of the worst nightmare of my life! Thank You. XXXX XXXX XXXX Case number : XXXX from the XXXX Court XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima Credit XXXX Simple XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone number XXXX and birth year XXXX.
Product: Money transfer, virtual currency, or money service

Hello my PayPal account was used to make an unauthorized transaction so I opened a disputed with PayPal and they decided that I personally made the purchase which in fact I did not it would be pointless for me to dispute it. However I can not get ahold of PayPal because they do not answer their phones ever! The amount was XXXX this happened on X/XX/17
Product: Student loan

I was transitioned to MOHELA and I participate in the PSFL program. I am currently an emergency medicine resident and have been participating in the PSLF program for the previous 2 years. My payment was {$0.00} and my IDR recertification date has been moved to XX/XX/year> and therefore my monthly payment should be {$0.00}. On the MOHELA website they have failed to recognize this and I have a month payment of nearly {$3000.00}, which is incorrect. Ive called MOHELA numerous times and I have a confirmation number, but MOHELA refuses recognize the problem and they are being unhelpful.
Product: Student loan

This letter confirms I was eligible when I applied for student loan forgiveness in XX/XX/XXXX and wrongfully denied XXXX times XXXX dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The letter states I was eligible in XX/XX/XXXX. It also confirms I am XXXX payments over the XXXX required payments. Hence we are in XX/XX/XXXX and seven months ago I qualified for forgiveness. I could be done with this process had I been approved for forgiveness in XXXX XXXX when I first applied.
Product: Student loan

I reached out to Nelnet XX/XX/XXXX to change my due date from XX/XX/XXXX to XX/XX/XXXX. On the morning of XX/XX/XXXX it was finally processed but they also charged my auto-debit account that day. Any call to Nelnet results in a multi-hour hold time and incorrect answers.
Product: Debt collection

A number had been called my phone repeatedly at least 7 times a day for the last 7 days. It was the company called XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX.They stated the bought my debt from Victoria secret . The rep was very rude and told me that if I don't pay they will sue me and ruin my life. I thought that was very excessive. I asked for debt confirmation and contract from Victoria secret stating you have the right ti collect on this debt. I never received that as of today XX/XX/2024. I just received a piece of mail from a bankruptcy attorney stating, I have a pending law suit against with from comenity Bank who is Victoria secret. I was never notified of the law suit and I think it's unfair to not allow me to defend myself but try to garnishment my money illegally.
Product: Checking or savings account

I pulled my XXXX XXXX XXXX because Im DENIED for a bank account from XXXX. 


It stated I had a NAVY FEDERAL ACCOUNT THAT WAS CLOSED DUE TO FRAUD. 


I explained to them I then that was not me who placed a check on my account. They stated I did fraud which is INCORRECT. 

THEY WERE RUDE AND STATED I COMMITER FRAUD. I have XXXX XXXXXXXX and a credit union and had never did anything. And they closed my account and left my SAVINGS OPEN. 

If Im not gon na get my account back they need to remove this red flag because I cant get any bank account. This accusation is incorrect I cant get a bank or an apartment because of this INCORRECT ACCUSATION
Product: Debt collection

On or about Monday, XX/XX/year>, I received a notice from our mortgage lender, notifying us that I would be in eligible to go on our mortgage loan, as I had a recent collections account. After further review and research, I came to find that Genesis Credit Management had reported a collections account that was opened in XX/XX/year>. The original creditor was an apartment complex in Texas. After multiple back-and-forth phone calls between the deck collector as well as the apartment complex, we discovered this was identity theft. I notified the police and a formal complaint/report was completed. I advised Genesis of this, and demanded this to be removed from my credit. Not only did they continue to argue with me about this, they refused to contact the officer for verification. Due to all of this happening, we ended up losing out on our house that we were closing on, along with over {$17000.00} of money in the process. They have my correct date of birth, Social Security number, email, or phone number. I don't honestly know how they were even able to report anything to the credit bureaus, given the only thing they had was my name and an address that I haven't lived at for over 2 1/2 years.
Product: Checking or savings account

On XXXXXXXX  there was an incident that happened with my debit card where someone was able to comprise my card information and make numerous of transactions at two different XXXXXXXX XXXX XXXXXXXX. The amount of unauthorized money they used was {$760.00}. The person committed to doing 9. Transactions which were 1. {$10.00} 2. XXXX 2. {$100.00} 3. {$100.00} 4. {$100.00} 5. {$100.00} 6. {$99.00} 7. {$59.00} 8. {$100.00} 9. {$100.00}. Ive tried to dispute these charges literally over 6 times and chime kept declining it saying that no error occurred. I would literally talk to a dispute supervisor and they told me if I were able to provide all of the evidence from the officer which were the police reports I shouldve been able to receive my money back. I have yet to this day received my money and this is ridiculous Ive gathered all of the information I could and even the officer working on my case filed for video footage at the gas station but chime keep on insisting nothing happened when all the evidence is provided that proves my case of not doing these transactions. Also, chime didnt notify me when the transaction kept having the same amount of money getting taken out they didnt flag anything and on top of that my card was locked and I was at work. So, how would I be able to make those transactions and I have my card on me. When I spoken to a supervisor at XXXX she stated that a lot of people have been committing fraud and taking peoples card information and placing them on blank cards allowing our cards to run through as credit even if we have access to our cards. I dont know how they did it but all I know is that this is a fraudulent situation and chime didnt take the proper precautions to allowing me to receive my money back.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Section XXXX ( a ) ( XXXX ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
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: Debt collection

Weltman , Weinberg & Reis Co. , L.P.A . went after my old bank account without permission to collect a debt that was written off from XXXX. Whether the debt is owed or not. You do not have the rights to go after my bank account. Im not really trying to hear anything about my bank being garnished, especially when I didnt receive anything in the mail about this. If this company really exists I shouldnt be obligated to pay more than half of the entire debt. Every time I call them to speak to someone Im left on hold
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 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. CREDIT REPORTING AGENCIES CONTINUE TO REPORT INACCURATE INFORMATION. NOT PERFORMING INVESTIGATION AS STATED. RE-ENTERING PREVIOUSLY REMOVED ITEMS. AGENCIES CONTINUE TO REPORT CHARGEOFF ACCOUNTS IN WHICH NO XXXX AS BEEN RECEIVED WHICH MEANS THE REPORTING IS INCOMPLETE, INACCURATE, INVALID. ACCOUNTS NEVER VALIDATED. AGENCIES CONTINUE TO REPORT MEDICAL ACCOUNTS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX {$600.00}, XXXX  XXXX XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00}, 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

XXXX, XXXX I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX XXXX This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b,  also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.
Product: Credit reporting

I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each one of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!