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

My XXXX card was used without my consent multiple times to withdraw the maximum amount allowed per day. 

The most recent time XX/XX/XXXX XXXX transactions from my checking account of {$180.00} total of {$1400.00}. 
XX/XX/XXXX XXXX transactions from my checking account of {$180.00} total of {$1400.00} XX/XX/XXXX XXXX transactions from checking account of {$180.00} total of {$1200.00} XX/XX/XXXX XXXX transaction from checking account of {$110.00} I reported all these transactions on XX/XX/XXXX to fraud department. They opened a case then closed it not in my favor. The reason was given even though i requested it. I asked them to reopen the case but had same outcome. All these transaction were made in a city I have never been. I never recieved any fraud alerts. 

XX/XX/XXXX XXXX transaction from checking account {$180.00} XX/XX/XXXX XXXX transactions from savings account {$180.00} total of {$1100.00} XX/XX/XXXX XXXX transactions from savings account {$190.00} total of {$1300.00} Reported these on XX/XX/XXXX to fraud and a case was opened and denied. They told me it was denied because they didnt have enough information. I asked to reopen the case and asked what information was needed and they said they had all the information needed. 

XX/XX/XXXX XXXX transactions from checking account {$1800.00} total {$1100.00} Reported on XX/XX/XXXX to fraud and they opened a case and closed it not in my favor with no explanation given. 

XX/XX/XXXX XXXX transactions from savings account {$180.00} total of {$910.00} XX/XX/XXXX XXXX tranactions from savings account {$180.00} total of {$360.00} Reported on XX/XX/XXXX. I contacted the bank and the XXXX department opened a case. They closed not finding in my favor stating the same atm pattern was used for these transactions that I normally use. All these transactions were done in XXXX different cities and taken from my savings account. I have never withdrew money from savings account through the XXXX 

I have been dealing with situation for a year. I am XXXX XXXX XXXX and the XXXX is affecting my health. The bank has issued me new XXXX cards but that never stopped the theft. I always had possession of my XXXX card and never given out the pin. I have lived in the XXXX for the past XXXX  years. I was told by the bank that I had to come to back to the United States to close the account in person and open a new one. I am here now trying to resolve this issue. I was told they credited my account for the last fraudulent charges but they put it in the account that I closed therefore I have no access to the money.
Product: Money transfer, virtual currency, or money service

XX/XX/2017 {$67.00} in a money transfer via moneygram.com Was cancelled before collection By me due to a possible overdraw Because of a money transfer to a close friend And they said they cancelled it for me But would take 3 to 10 business days Never sent confirmation of cancellation Refused to send confirmation of cancellation Or any evidence of such Then later said I would not be And that " i would have to trust them in good faith '' If i did n't then i would not get my money back Then the next day calling 4 more times to check the status They altered the explanation and said an email was sent confirming cancellation at the time it was done And that if is " against moneygram policy '' to send another to confirm I checked every folder for the supposed email Spam and trash included Nothing! Zip! Zero! Zilch! Nada! What the heck is going on? Oh not to mention the money never dropped of pending status to refunded on my card It went to completed! Which means the money was taken! Now the receiver is XXXX off And So am i
Product: Debt or credit management

Lexington Lawfirm charging upfront for work not even completed yet
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about 40 inquires from car loan companies from XX/XX/2017. I have tried to cal and write to all three credit bureaus and provide proof that I did not authorize all this inquires and they refuse to assist me.
Product: Checking or savings account

Someone other than me opened this account and was dealing with identity theft and the account was from Discover and says I owe {$75.00}.
Product: Mortgage

M & t mortgage received a payment from HAF on XX/XX/XXXX and has not applied it to my account I was told to pay the difference {$140.00} and then the full payment would be applied totaling {$1100.00} I called made two escalation for the payment to be applied and it has not been fixed and my account is saying Im 29 days past due for XXXX payment
Product: Credit reporting or other personal consumer reports

FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my report. Accounts : Medical : 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  showing two medical collections listed by RSI for {$780.00} and {$500.00} RSI stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call RSI to tell them the bills did not belong to me however RSI says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though RSI stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with XXXX  but they still have not removed these two accounts.
Product: Vehicle loan or lease

I was given a loan on a bad car in the amount of {$21000.00} on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to find out my remaining balance, a woman on the phone told me {$8000.00}. I subtracted that from the loan amount to find that I already paid {$13000.00}. It was refused as a trade in at XXXX XXXX in XXXX because the car valued at {$1200.00}. I pay biweekly at XXXX XXXX so in a regular month that's about {$400.00}, but there are several months I get paid 3 times so that's about {$600.00}. I never missed or was late with a payment on anything especially this car loan. I paid all repairs out of pocket because I was too scared to go back to them. I found out in XX/XX/XXXX this year that they are being sued for predatory lending. The car valued at less that {$4000.00} when I bought it and they still sold it to me for {$13000.00} at a 19.948 % interest rate and a {$6400.00} finance charge on top of a " down payment '' of {$1700.00}, which I didn't have anyway and they let me pay off the down payment but I still had a trade in at that time which they valued very low. I got some advice from financial advisors and they told me that if I keep the car I'm losing and if I give it back I'm losing too. I can't sell it for anything close to what I owe still, not counting what I already paid. I filed a complaint with the Attorney General because I know she has a law suit against them for predatory lending. I can't afford a {$600.00} payment next month or ever again and the car isn't worth keeping anyway. I do have a child and a job that requires a vehicle. Basically they charged me {$21000.00} for a vehicle that valued less than {$4000.00} and forced a payment schedule of every payday on me. I never had a choice or say in that. I don't want anything. I only want XXXX XXXXr and CNAC to take back the car and call it even and leave my credit alone.
Product: Credit card

I applied for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} intro annual fee for the first year, then {$95.00}. After approximately two months of enrollment, I received a statement charging the annual fee for {$95.00}. I spoke with a representative who refused to waive the fee, so I requested a supervisor. The supervisor also refused and adamantly stated they can not reverse the fee. XXXX XXXX continues to offer similar XXXX cards with Chase bank and all of them have the {$0.00} intro annual fee for the first year, then the fee is charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I satisfied a vehicle lien with XXXX XXXX XXXX XXXX ( XXXX ). On multiple occasions, XXXX stated the account status was updated with all XXXX credit bureaus. XXXX and XXXX show the correct status as {$0.00} BALANCE and PAID/CLOSED. Experian fails to update the status despite several disputes. In XX/XX/XXXX, I received a lien satisfaction letter from XXXX and included this letter in XXXX disputes in XXXX and XXXX. The dispute result dates with report numbers are : XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ). There were no updates made and the dispute results are the account " remains. '' Experian defines " remains '' as ; the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. This is not true. XXXX stated all XXXX bureaus were supplied the updated information. I do not know how to get this account updated with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an American Express credit card for XXXX XXXX, XXXX XXXX at my address. 

There has never been a person by that name who lives here and the business name is for a closed business in our same town. 

Am Ex said this is a renewal of a company paid credit card. The prior owner of our home worked for the now defunct business. 

I want to ensure no one is trying to use my family as fraudulent card holders. 


I would like to have this possible fraud entered into our files to ensure lenders are aware of this problem. 

Put notice on the 3 credit Bureaus noting that XXXX XXXX, XXXX XXXX, and XXXX XXXX do not have anything to do with our address
Product: Bank account or service

On XXXX XXXX, 2014, I went into a Wells Fargo Branch in XXXX XXXX to open a new Business Checking Account ( I have been a customer of Wells Fargo for almost 30 years ). I had opened another business account with Wells earlier that year ( even though I never applied for a credit card with that account -- they sent me one -- claiming I had applied ). As a result of that previous issue, when I went into the branch on XXXX XXXX, 2014, I specifically advised the banker, that I did not want any credit cards, and only wanted a Business Checking account -- and nothing more. I spent close to an hour discussing the account with the Banker ( his name was XXXX XXXX -- his family were attorneys in XXXX XXXX, with his grandfather having been a XXXX -the Federal Building bears his name ). XXXX XXXX fully understood I did n't want any credit cards. 
Two or three weeks after opening the account, I received a notice from Wells Fargo that my business had been approved for a {$15000.00} credit card. I immediately went into the Wells Branch and met with XXXX XXXX -- he advised me he had learned of the credit card and had reason to believe that an employee within his branch had forged my signature -- as he did not submit a credit card application. He further advised me that upon learning of the credit card he told the branch manager that I did not apply for a credit card nor did I sign any authorization for a credit card. XXXX XXXX suggested that I should request all documents from the Bank regarding my business account -- which I did ; the documents I received -- contained XXXX signatures -- only XXXX of those signatures is mine. The other signature is a forgery. 
I have brought this to the attention of Wells Fargo ; they have told me they would investigate -- I sent a follow-up email to the person supposedly handling the matter at Wells Fargo -- yesterday she responded that she would ignore all of my emails and not provide me with any response -- it was as though this person was covering up for the person that forged my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Product: Payday loan, title loan, or personal loan

I call to let them know that I never opened account with them. Whoever open the account had several addresses and telephone numbers on the account plus they have two military cards added to the account. They told me they would flag the two accounts as fraud. They would make it impossible for somebody to open up another account in my name. They opened 2 accounts on XXXX & XX/XX/21 of a total of XXXX each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Product: Mortgage

I called the bank to pay and work out payments my past due amount is XXXX. How? My payment are XXXX a month I paid XXXX in XXXX and then kept trying to make payment but they took the loan off the app so I couldnt pay on the app anymore. I called and no one called me back. I emailed the loan officer multiple times with promise of call back and no never happened. 

XXXX they refuse to let me make a payment then I got a letter in the mail to file in court. When they refuse to call me back for months and months to make payments I cant make payments on the app anymore.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Called and claimed I owed a debt ( {$940.00} ) to 5th 3rd bank from 12 years ago that I paid already. Claimed the bank discharged  it as a loss and sent it to them. Threatened to damage my credit and take me to court if I didn't pay. Left a threatening voice mail as well. Claimed that if I paid on the phone right then and there they would take {$660.00} instead. When I questioned them they stated they were a real law office attempting to collect a legitimate debt. I went online and it quickly became apparent that this is a scam and they have been running the same scam out of different states and from different numbers.
Product: Checking or savings account

I deposited a check into my account for {$2500.00} that was given to me by mother. After the check was written out to her. She is not on my account, so she endorsed the check over to me to deposit the check into my Huntington account. This was money given from my grandfather 's business to my mother to help bury my sister. We signed all the paperwork to prove it wasn't fraud and the money is still being held by the bank and no one will tell us why. The paperwork was even notarized by the notary at the bank XXXX XXXX. Huntington has also closed out my bank account because of fraud after the check was approved and stayed in the bank for XXXX weeks and then taking out of the account without any notice, warning or phone call. They say with no proof of fraud because my grandfather has gone to the bank as well to sign paperwork and now the bank is stating that no paperwork was even signed. I was called by XXXX at the Huntington National Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on XX/XX/2022, to come into the bank to reopen my account. When I got there with my mother, XXXX wouldn't even speak with us and then I was given the run around. The other lady that I did speak to informed me that my accounts would be closed and that they couldn't help me. Here is XX/XX/2022, and I still can't get a clear answer to where the money is or why they will send the monies back to my grandfather 's account. I called to speak to the branch manager there, she stated to me that couldn't help me with my situation because XXXX is the XXXX, I needed to speak to. She wouldn't even help me. At this time, I really feel discriminated against because I am XXXX because I havent given these people any reason to ever question my transaction. I have done everything they asked me to do to prove it wasnt fraud. And no one is even giving me an answer to any of my questions. I would really like Huntington National Bank to give me and my mother the monies that were provided to us for our loved XXXX funeral.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 has 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
Product: Mortgage

I am having an issue removing the Principal and Mortgage Insurance with my loan servicer, Mr. Cooper. 

In XXXX of XXXX, I believe it was around the XXXX, I initially reached out to Mr. Cooper about having my home reappraised for a fee to remove the PMI from my loan. I have made substantial improvements since my initial purchase in XXXX and during that time I reviewed my options for removing the PMI with Mr. Cooper 's representatives. During my initial call in XXXX, I detailed the improvements made to my Property. The representative took down that information to provide to the appraisal company. I was told I would hear from a Real estate Appraisal company in approx 30 days to schedule the appraisal. 

I never heard back. I called into Mr. Cooper again at the beginning of XXXX to check on the status of said appraisal. I was told that they were waiting for the dollar value of the improvements made so that the appraisal company could contact me. I questioned the rep why no one had reached out to me if they needed more information or why the original rep had not requested it when I first called.. They could not provide an answer. I provided the detailed information to the Rep and requested that they expedite my request. They advised that they would do their best. 
Approx 30 days later on XX/XX/XXXX, I received a letter that my request was canceled, I called and asked what was wrong and they said they reached out once and I didn't answer their call. First, I had never received a call from an Appraisal company and secondly, they didn't leave a message of any sort. I asked for a supervisor and they said that we had to go back through the process all over again. I unhappily obliged and we enter another request for an appraisal slightly after XX/XX/XXXX. 
Another 30+ days pass. I call in again on XX/XX/XXXX and am told the same story. They tried calling me once, but couldn't get ahold of me and canceled the request. This time they also tell me they do not have a form on file for the Appraiser to leave a voicemail. I ask for a Supervisor and am forwarded multiple times to XXXX at XXXX. She assures me that she can get everything in order and have something scheduled in 30 days. 

I requested that Mr. Cooper cover my appraisal fee as I have paid multiple months ' worth of PMI at $ XXXX v. what would have been expected if they had appropriately scheduled a routine appraisal. XXXX said she did not have the authority to do that. 

Today is XX/XX/XXXX and I have yet to receive a call or document notifying me that my request has been canceled.