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

On XX/XX/XXXX I logged into our Wells Fargo Joint Checking Account and noticed numerous high dollar amounts were charged to my husband 's debit card. There were websites I hadn't heard of and there were large amounts taken out from stores that my husband doesn't shop at ( such as XXXX XXXX XXXXhe 's not a member ). When I asked him about all of these charges, he confirmed he had not made these purchases nor did he authorize them. He immediately called to report it to Wells Fargo and received a claim number # XXXX. Both his debit card and mine were cancelled that day on XX/XX/XXXX. We received a letter in the mail that was dated XX/XX/XXXX ( XXXX calendar days after our claim had been submitted ) stating " We have completed our research of your inquiry about charges of {$10000.00} on your account. Based on the information available to us, we have determined the transaction was authorized or that a processing error did not occur. Please consider your claim closed. '' In addition to this $ XXXX, an additional {$2900.00} was charged AFTER our cards were cancelled. I called Wells Fargo to dispute the denied claim but was again denied because they said the claim is closed. I told them of the additional charges and wanted to open another claim. The representative told me that those additional charges were included in the first claim!! How I asked? He tells me that the original claim actually had over XXXX XXXX on it, but that is not what the letter we received indicated. 
We never received notification from Wells Fargo, such as an alert about whether we authorized these amounts when they were posted to our account. The only notification that clued me in was Wells Fargo had already dipped into our Overdraft Protection and charged us fees ( {$450.00} in fees ). These large transactions all happened within a 7-10 day window and I was triggered by how quickly our bank account had depleted and that is what prompted me to dig further. My husband has been a Wells Fargo customer since XXXX and I have been since XXXX. It's disheartening to know that this is how they treat long time customers. Our hard earned money was stolen from us and they have the nerve to do nothing to help us let alone nothing to protect us from this occurring in the first place!
Product: Checking or savings account

I opened a Citibank Checking account in response to its online offer of {$400.00} bonus on XX/XX/XXXX and deposited {$15000.00} to be eligible for this bonus. However, the {$400.00} bonus has never come. 
I opened this account over the phone with a Citibank staff on XX/XX/XXXX and deposited {$15000.00} by XX/XX/XXXX to meet Citibank 's 30 day funding requirement. But the bonus did not come. So I called Citibank around XXXX XXXX on XX/XX/XXXX to trace it. Citibank 's staff confirmed that I have met all the promotion requirements and the bonus should have been credited by XX/XX/XXXX. She explained that due to a heavy back log on the account opening bonus issues, Citibank did not credit it accordingly. She said Citibank will need a week to give me a response. She gave me a case # XXXX and said Citibank will finish the investigation and get back to me in a week. But the response never came. So I called around XXXX XXXX on XX/XX/XXXX again and got a Citibank supervisor on the phone. I was shocked to hear from this supervisor that Citibank has no record that I called Citibank before for the missing bonus even though there is a case # provided by the previous Citibank staff. This supervisor gave me a reference # XXXX and said it will take Citibank up to 30 calendar days to finish the investigation. When I opened my account over the phone, Citibank staff confirmed that I was enrolled in the promotion offer of {$400.00} if I deposited {$15000.00} within 30 days. " The bonus will be paid to your checking account within 90 days. '' It's been over 6 months since I opened my account, but no bonus has been paid to my account. Citibank should honor its online promotion offer and pay me the {$400.00} as promised.
Product: Credit card

New information Fraudulent Charges by XXXX XXXX XXXX XXXX : XX/XX/2023 To : American Express Dispute Resolution Cente Subject : Fraudulent Charges by XXXX XXXX XXXX - Urgent Action Required I am writing to report fraudulent charges on my American Express card for services and products not received or performed by XXXX XXXX XXXX. 

Previous Efforts : In XX/XX/2023, after 7 months, the dentist admitted to not providing a XXXX graft and a yearly membership and claimed I was refunded. 
I was also charged for Gingival irrigation not agreed to or provided and Post op visit a month after Cancellation as I only went in to discuss my outrageous bill XXXX never received any refund from the bill, and American Express has not processed any refund for these items. 
I filed a dispute with American Express for these charges. 
On XX/XX/2023, I took XXXX XXXX XXXX to small claims court and was awarded the maximum damages allowed in California ( {$10000.00} ) plus court costs. 
The Judge agreed that this work was never preformed and these charges should imeefiatrl cond off of my bill and be charged back to Merchant! 
I have requested a call back from a supervisor XXXX times by telephone, fax and this site in early XXXX regarding this matter but have not received any response. 

Current Status : The dentist is delaying the court-ordered payment by postponing it twice and requesting a new trial. 
The fraudulent charges remain on my American Express account. 

Action Required : Immediately charge back the judgement of {$10000.00} and all the additional fraudulent charges over and above that to XXXX XXXX XXXX. 
Investigate why the previously requested refund for the XXXX graft and yearly membership was not processed including gingival irrigation and post op visit. 
Ensure that all fraudulent charges are removed from my account. 
Additional Information : You have received documentation supporting my claims, including : Copies of my dental records showing no evidence of the XXXX graft etc. 
Copies of XXXX dental reports by independent dentists. 
Proof of the court judgement and award of {$10000.00} XXXX records with the dentist and American Express. 
I am available to provide any further information you XXXX require. 
I urge American Express to take immediate action to address this matter and resolve this issue to my satisfaction. 

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

I have had an issue with having a payment credited to my Big Lot's/Comenity credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid Comenity but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. Comenity sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with XXXX and XXXX responded that Comenity was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for Comenity to cash that check. Comenity reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.
Product: Student loan

Last summer of XXXX ( I cant exactly recall the specific date ), I had called Aidvantage ( student loan servicer ) to ask on how to enroll for the SAVE program. This is a program that the Biden Administration created to help us with the monthly payments, prior to it resuming on XX/XX/2023. I was told by an agent from the company that I was going to be automatically enrolled by the program, and I do not have to do anything on my end. A few weeks have passed, I logged back in to my account, then I had found out that my total balance actually increased significantly. I immediately contacted the company to ask on why my loan balance increased, and an agent that day informed me that my balance went up due to the interest. I immediately made them aware that a previous agent that I had spoken to last summer of XXXX informed me that I was automaticaly enrolled in the SAVE program, but that was not the case, that I was not enrolled in the SAVE program, that they had enrolled me to a different program to which interest were still accrueing, which lead to my total balance going up, and that there is no such thing as AUTOMATIC ENROLLMENT to the SAVE program. Then i requested to speak to a manager, and I was informed that they will conduct a review since all phone calls are pre recorded. Then, after several weeks have passed, I still did not get any information about the results of the investigation ; therefore, I had contacted them multiple times, and all they keep saying was they will call me in 2 days. A few weeks have passed and I still did not get any return call from them. So I was tired of waiting, then yesterday ( XXXX  ), I had contacted them again, and I spoke to a supervisor, and informed me that they do not see any note/request for a review/investigation. This company is trying to avoid my concern just so they can avoid to eliminate the interest that they applied to my total student loan balance. They are basically robbing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my credit score was XXXX. My score dropped XXXX points because it contained inaccurate information. I submitted documentation to TransUnion on XX/XX/XXXX and my credit score started to increase again. On XX/XX/XXXX I had a score of XXXX and on XX/XX/XXXX my score plummeted XXXX points. I ordered my credit report on-line on XX/XX/XXXX and discovered that it showed my student loan was affecting my score. It stated that the balance was too high and not decreasing. On XX/XX/XXXX I called TransUnion to discuss the matter and I was told that I had to contact the servicer of my student loan to have them correct their reporting information. I told them that my student loan was in deferment and that's why the balance is not decreasing. A few days later I checked my credit report again because now my score dropped an additional XXXX  point. This time I see three accounts that are adversely affecting my credit report but this time my student loan was not one of them. The three accounts that are listed has no information as to how they are affecting my credit just that they are adversely affecting my credit. The same three accounts has been previously disputed with TransUnion and removed. I also contacted the creditors and I was assured that the information would be corrected with the reporting agencies. TransUnion also has erroneous information about my employment and my home address. They corrected the information about my address but not my employment. At this point I feel that XXXX is digging up old information in an effort to keep my credit worthiness low. I have worked very hard to achieve my credit status and I find myself fighting with the credit bureau at least twice a year to defend my credit. I have demanded that TransUnion correct my credit file and stop digging up old information so they can justify decreasing my credit score. I am an XXXX XXXX XXXX and I feel that I am being targeted and scored unfairly.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that these items do not belong to me. I would like to know will these items be removed. Inquiry 's are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are on my Transunion report. I haven't applied for anything, I'm a victim of a worldwide data breach that recently took place. 

XXXXXXXX XXXX  Is reporting on my XXXX account also XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2023 .I had sent my complaint letter to pnc bank , in scam has affected me personally, psychology and financially.
Product: Credit reporting or other personal consumer reports

Special Good Afternoon, I sent the attached letters to all three credit bureaus showing the inaccuracies between the three of them. As FCRA says i have a right to a fully accurate credit profile, I requested the accounts attached be deleted from my credit profile. Additionally, I requested a letter of validation with my WET SIGNATURE on the documents. I additionally received documents which did not contain them. Finally, I also requested information showing they are legally allowed to collect debt in the state I reside. I also did not receive this information as well. This letter was sent on XX/XX/2023. My follow up letters were sent XX/XX/2023
Product: Money transfer, virtual currency, or money service

Upon the date XX/XX/year> I made a transaction with this company for the amount {$150.00} tax included it came out to be {$160.00} to be exact to be transferred from my digital account within the company to be picked up in person. Upon arrival the employees mentioned that they needed more information to verify who I was besides having my personal debit card, a virtual photocopy of my ID, a official paper identification card and also the transaction tracking number. Even with all that I was told I needed to bring more information about me who I was this was the first day. Next couple of days I return remembering I have some more saved that I needed to pick there arriving there the XXXX informed me that my transaction was either invalid or just wasn't showing up in there systems anymore. I checked my online account to see if it would have been returned unfortunately it still haven't I called customer service they informed me that they would send a check out with the amount shown to my home address and I never received anything back not a receipt not a letter not even a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.
Product: Mortgage

We just got a notification of FCL and we are shocked as we have been making our mtg pmt per our original agreement which was originating with XXXX mtg. This mortgage was transferred to Shellpoint mtg in XXXX of XXXX. We have contacted them Numerous times and were told for past 60 days that they are researching the loan boarding information and the Issue regarding loan # XXXX. Additionally, to our request to send us detailed pmt history they sent us someone else history with their info. I am sure that is the core problem with this account as at the boarding process they mixed up few accounts but now they are foreclosing on me. There is the history of what happened : Upon review of my loan account records, I noticed discrepancies in the applied charges and statements. The errors include incorrect interest payment amounts and wrongfully increase principal amount and not responding to requests for review of the issue. 
This loan These mistakes have subsequently led to late penalties that I believe are unjustified, as my payments were made in accordance with the loan terms. I have spoken to several supervisor and my account has been noted and I was told that the issue is under review. However, no resolution has been reached and you continue to harass me regarding late payments. In XX/XX/XXXX, you notified me that my loan had been moved over to Shellpoint and since then there has been a mistakes and issues with my loan. 

All required interest payment has been made on time and in additional principal payments. Payments and dates listed below : XX/XX/XXXX - {$360.00} XX/XX/XXXX {$500.00} Then this was transferrred to Shellpoint XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$340.00} All these payments are processed, applied but they keep sending us the delinquent payment notices and we keep calling them and they keep putting notes in the system for back unit to investigate. But Friday we got a FCL notice from them and I am not wasting another phone call with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern regarding an unresolved issue on my credit report. Despite my previous efforts to address this matter, the following account remains inaccurately reported : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. ( Block, Inc. ) Due to inadequate customer service and unfair practices, witch violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Further more, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account servicing on behalf of XXXX XXXX XXXX XXXX  was moved from PHH Mortgage Services to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to PHH stating the account has been transferred and therefore closed, PHH continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at PHH promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.
Product: Mortgage

In XXXX 2015, I called Countryplace Morgage to inquire about a home loan. I explained all my financials and property information. I then formally applied for the loan after, XXXX ( loan officer ) told me that I DID qualify. I was formally rejected on XX/XX/2015. 
XXXX suggested to me to apply again with a coborrower this time, so I applied again with my Father in XXXX 2015. As per their request we updated and sent in ALL our information once a month, if not more. 
Every month I faxed her mine and my Father 's bank statements, tax records, & etc as per her request. Each page I faxed costed me XXXX. I have spent XXXX of dollars faxing and communicating with her. Well, after talking with my loan officer again today ( XX/XX/2015 ), she informed me that I DID NOT qualify for a loan because : 1 ) My Father owned a neighboring property within XXXX miles. 2 ) Because I was married with a person with bad credit and 3 ) and I have insufficient income. 
I am left stunned and soon-to-be-homeless because After ALL this time, with winter coming, she dropped me like a brick and left me with a sale and NO LOAN. I was only trying to borrow XXXX for a double-wide on XXXX acres. I want my XXXX months back, my dignity and the money back that they wasted of mine ... ... 
Thank you.
Product: Credit reporting or other personal consumer reports

investigation submitted XX/XX/2023 still not complete.
Product: Mortgage

I submitted an application for a modification along with all documentation requested. I was told they needed a XXXX for 2014 and current profit and loss statement for a business that no longer exists ( I sent the P & L for 2014 ). I advised them on numerous occasions that I did not receive a XXXX for 2014 and that the business was not operating. I went so far as to write a letter about each and upload it to my representative so he could place in the folder marked XXXX and profit and loss statement. After 3 attempts the only response I received was that my application had expired for failure to submit all documentation. All documentation was submitted in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

XXXX calls my hosue every day trying to extort me for XXXX  dollar for their credit repair and then telling me if i put down XXXX then pay XXXX a month they would work on a case. i told themi do not do business with terrorist and they keep on calling me. they are suckering people in with trade lines and fraud