23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I was facing a foreclosure. I was working with the bank to stop the foreclosure. I had a family emergency and when I retured home my house was locked with a pad lock. I called nationstar/mr.cooper to report this at the time XXXX XXXX  was helping me he gave me the pad lock information to go into my house. Upon entering there was things missing I told XXXX that things where missing I let him know that the patio door was bolted and damaged. I followed the steps he told me to but was denied any repairs and funding. I was working on refinancing my house but turned into a modification I was told my ex husband was going to be removed and my ex husband was told the same. My ex husband was trying to sue me over this mistake made by the bank. I have been trying to refinance since this mistake and now XXXX I'm calling constantly and I'm being told my account was closed due to someone leaving a department and not filing my case correctly. Or I'm having like 3 people in a month who make me repeat why I want to refinance my house. My credit is being pulled 2x to 3x a year. When I call I'm being told that my income will be verified or that they have to ensure my income can be used. I was told that they would contact my credit to let them know that few hard inquiry need to be removed, yet they have done nothing at all to fix this. I've been dealing with too much to keep having people brush me off. My income was the only income that I had in XXXX to modify my loan. My ex husband was clear about getting his name off. Now I'm facing him wanting to sue me for a mistake I didnt make.
Product: Credit card or prepaid card

Cash app allowed someone whose name is not on my account to link my debit card to their cash app account and withdrawl money from my primary banking account and they won't do anything about it
Product: Mortgage

I was employed as a travel nurse and due to lack of assignments I had to seek employment elsewhere. My new position pays {$20.00} less an hour. I contacted my mortgage servicer, Loancare, in XX/XX/year> and they requested information to start loss mitigation and loan review process. I call weekly and I'm told my loan issue is being handled by the escalations department. I am given dates and told the process will be done by that date. It never is. I am falling further behind on my mortgage and I'm receiving letters threatening foreclosure and requesting the same information I've already provided twice since XXXX. I am concerned that they are dishonest. I need answers.
Product: Credit card

In XXXX I made a cash advance on my Wells Fargo card. I then made a payment to cover cash advance. I was told I had to pay minimum payment and anything after that would go towards higher interest rate. I made a payment of {$2600.00}. They refunded {$2500.00}. I then made another payment, it was applied to lower interest rate. I filed a complaint with WF and they said that this would be corrected, it has yet to be corrected. I have tried to rectify this Wells Fargo every month with no resolution. 
I told them I wanted to record conversations as they did and they would not allow, said private information was being discussed ... .I have told them on several occasions I understood why they do not allow recording by the consumer because no 2 people ( out of approximately 10-12 ) that I have spoken to have given me the same answer why this was happening.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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: Checking or savings account

I presented a cashiers check for {$12000.00} drawn on BMO Harris. They said they do not cash cashiers checks for non-account holders for over {$10000.00}. This, of course, give me no option to cash the check. I tell them they hare forcing to open an account. They say they are not. But the only way for me to access my funds is to open an account. I protest and I am upset by this but I have no choice. 

This occurred today, XX/XX/2019 at about XXXX at BMO Harris branch at XXXX XXXX XXXX XXXX in XXXX. The banker, who clearly was ticked off, took two hours to open my account and while he had said the funds would be available in one day, he made me sign something saying the hold would be NINE days.

Thats nine days on a cashiers check drawn of a BMO Harris account being deposited in to another BMO account. This is outrageous. I need this nine day hold taken off immedaiately. Please help. Thank you, XXXX XXXX
Product: Debt collection

Diversified Consultants are violating FCRA and FDCP statutes because they could not provide any documentation legally linking me to the account, and yet continue to try and extort monies from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to report information that does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts.
Product: Checking or savings account

XXXX i went to US Bank website to find a US Bank ATM website to withdraw money XXXX XXXX XXXX  but there is none in my city and in the same website it says that i can use a moneypass atm to withdraw money, there will be a surcharge fee but it will be waived, also written here XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Then right away i withdrew money and the ATM says there will be a fee which is what i expected since US Bank website says so. Today, XXXX the transaction cleared out and saw the surcharge fee for using moneypass atm, then i contacted us bank rep from their website using live chat, explained the situationed, and they said that its not a fee that they will waive, i gave them proofs of those websites but the rep still says no. Aside from that, the rep is extremely rude right after i showed them the proofs from their own website and tried to end the chat as soon as possible, the rep name was XXXX, i'm sure they store transcription of chat history that if you request you can see it yourself. 

I'm reaching out to CFPB to get help, as usual, bank write in their own website they will waive the fee, comes time when they have to waive the fee, they do not honor their words
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Debt collection

I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.
Product: Checking or savings account

On XX/XX/2022, I received a phone call at my work, from Toll Free Call XXXX. It was an automated message with the caller identifying themself as Wells Fargo Business Preferred asking about my personal business checking account. They were calling to determine if a transaction for {$20000.00} was valid from my Wells Fargo Business Preferred Account. I did not continue the call. 

I tried to contact Wells Fargo by phone ( used different numbers provided on wellsfargo.com ). I was unable to get past the enter account number phase. As far as I know, my business does not have a Wells Fargo Business Account. 

I am a victim of known-name identity theft. Several checking, savings, and other cash accounts have been opened and transacted without my knowledge. It is possible that my business information is being used without my knowledge. Unfortunately, I was not able to contact any one at Wells Fargo.
Product: Checking or savings account

I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there.

My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX  TV and other paid apps are also connected to that account.

The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US.

I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX XXXX
Product: Credit card

I was involved in an automobile accident XX/XX/2022 and became XXXX going through physical therapy with severe bodily injuries with total loss of income. Had payment protection on all my credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have Credit Protection Plans and was triggered. All the listed credit bureaus were inform and failed to apply the protection as violation of Federal Trade Commission Act ( FTC Law ), Violation of Credit Protection Act, Truth in Bureaus reporting act, and violation of Federal truth in credit disclosure act. All lates and deragoratory informations be remove immediately as matter of Federal and State law. I am disputing all lates, charge off, and balances. Requesting a full refund for misrepresentation and breached of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was contacted by XXXX XXXX. i explained the amount of the loan i was looking for. We chatted for a bit and he said he would have to run a credit report, i asked which agency and he stated he was only going to run the report from XXXX, and when we were closer to processing he would have to run the other 2. i agreed to run the one report. I recieved notifications that all3 got run just then, i questioned it. he said i thought you were going to go through with theloan, i complained no that you just told me you were going to run just one, I did not need the inquiries on all 3. 
I recieved a call after a couple day from someone claiming to be his boss. i explained what happened and agin asked for the inquiries to be removed. he transferred me to XXXX which said he was going to listen to the tapes. 
He emailed back and said he was not going to remove them. I specifically asked for a copy of the tapes as it specifically has me the banker stating he was only going to run the one report. Also he stated that here is the copy and paste from his email.Now I will get this feedback over to banking because all of our bankers should be setting the proper expectation for a tri-merge credit pull. The only instance i have seen a single bureau credit pull would be for a score over 800. XXXX XXXX will not be able to remove this credit inquiry. I apologize for any inconvenience As you can see he stated that he will get with his bankers to to set the expectations
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. 

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 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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Checking or savings account

On XX/XX/year> I called Chime to file a dispute on a series of unauthorized XXXX transactions. Prior to this I had been working with XXXX trying to get my funds back and they notified me they closed the account due to multiple fraudulent activities. On XX/XX/year> after filing the dispute Chime issued me a provisional credit at XXXX and I noticed the amount was incorrect so I reviewed the transactions, I then seen the agent who filed the dispute had forgotten multiple transactions, I immediately called customer service again explained the issue and was informed I had to file another dispute for those transactions left off. I then filed the dispute for the remaining transactions, Within 15 minutes of filing the 2nd dispute it was denied. I immediately called back to inquire how and why this could happen so fast. as clearly the investigator couldn't of contacted the merchant or anyone involved as well as I was just given provisional credit on the other transactions that were unauthorized. I questioned why it was denied and was informed they would email me within 10 days. I again explained the situation and was told a rebuttal was filed. Within minutes again the rebuttal was denied. From XX/XX/XXXX to XX/XX/XXXX there was 22 unauthorized XXXX  transactions totaling {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$10000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$10000.00} {$10000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$10000.00} Monthly payment {$280.00} Late payments - No payments have been reported on this account. 

XXXX XXXX {$34000.00} Balance updated XX/XX/XXXX Unknown payment history
Product: Checking or savings account

My work corporation uses Money Network if you don't submit your own bank account details for direct deposit. I have had transactions that took place in the past 6 months from unknown sources stating I made memberships I did not make and charged me a monthly fee that I did not authorize through my checking account. I notified Money network 4 or 5 separate times in regards to these fraudulent withdrawals that I did not authorize but there was nothing done other than telling me to lock my card and that was the third answer I received because the first two said I had to take it up with my work. The fourth person saidy account had been hacked by an IP address from XXXX XXXX, XXXX, and XXXX... I reside in the United States and have not left since my father was XXXX to XXXX back in XXXX or so. I've had about XXXX $ maybe more stolen from me from these foreign places and numerous details from websites that had a XXXX in the description. I contacted the XXXX and had to confront some of them myself to have them return my money, my bank did nothing to secure my account or to notify me of fraudulent activity knowing that I had called and complained numerous times. So here we are again and I got paid XXXX dollars in my paycheck, haven't spent a dime of it yet but somehow only have XXXX left in my account and no available credit in my XXXX XXXXXXXX account which I have also been having issues with regarding my bank and money being returned. It always gets deducted when I have it available but it never gets returned to my account.. I'm at a loss now and feel like I'm being ripped off left and right when I work hard to earn what I make so I can support my family with food. This past week has been a nightmare and I haven't had any funds that I earned that I am able to access to support my kids husband or animal 's so I figured this was my last/ best alternative to get help and to be able to get everything that was taken from me back because the banks don't care it seems.
Product: Credit card or prepaid card

XX/XX/XXXX XXXXXXXX at US Bank ATM at the XXXX Missouri Branch I attempted to make a cash withdrawal of {$640.00}. The machine sounded as if it was counting cash then displayed a message saying my card is being kept to contact my bank. I went into the branch and was told that my card would be shredded due to me being a Non US Bank account holder. The Funds where taken from my account including a {$5.00} fee. After trying to plead with the branch manger to try and help me it went nowhere and left without my card and no money & the funds no longer in my account. I followed my instructions to take it up with my Bank. After 6 days I was informed by my Bank ( XXXX XXXX ) that I was unable to move forward with dispute with XXXX XXXX because I didn't have a paper receipt. 
I called the Branch trying to get information of any kind as there's nobody who is trying to give me any Update. The Branch Manger informed me that when the ATM was balanced it did not show any overage and that its unlikely I will get my money back in my account. I advised him to check the Video Footage to see if cash was dispensed and was told that it wasn't necessary as everything seemed to be functioning normally. I am very disappointed by anyone 's lack of compassion and value in a " Non Customer '' US Bank just keeps transferring me on a endless loop of different automated lines and wrong departments, it feels seriously hopeless and like a blatant robbery from the ATM owner or operator, or Whoever has access to the ATM to count the funds is absolutely being dishonest about being balanced. It's impossible to not be off {$640.00}, I fill completely powerless and just really need my money as thats a very substantial amount for our household.