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

On Wednesday, XX/XX/XXXX, I received a text message from Wells Fargo regarding fraudulent activity regarding my XXXX account through the Wells Fargo banking app. The text message stated, Wells Fargo XXXX XXXX XXXX : XXXX Transaction ( {$2000.00} ) and to reply yes or no if it was authorized or not. I replied noand I instantly got a phone call from someone claiming to be from the Wells Fargo XXXX department. The caller ID said Wells Fargo Bank so I did not think twice about checking the phone number and answered the phone. Again, the guy on the other end of the phone claimed to be a representative of Wells Fargo and that he was here to help me with the fraudulent activity on my XXXX account. He told me to log into my XXXX account and go to XXXX, which I did. He then said that I had to send the money to myself in order to cancel out the unauthorized {$2000.00} transaction. The name the money was being sent to was my name and same with the phone number so I believed him and did as I was told, thinking he was someone from the banking team. After I sent the {$2000.00} to myself ( the money actually went out of my account and to him ), he had me send an additional {$1000.00} because the last {$1000.00} didnt go through. So a total of {$3000.00} was sent. As SOON as the last {$1000.00} was sent, that guy hung up the phone. I IMMEDIATELY checked my savings account and {$3000.00} was gone. I called XXXX customer service and explained what had happened to a representative but was placed on hold for almost an hour so I hung up and called the next morning. When I called the next morning, I explained what had happened to the team member assisting me and he was kind enough to file a fraud claim on my behalf and said to give them XXXX business days to get the situation resolved. I also included the phone number I first got the fraudulent text message alert from and the fake Wells Fargo number the scammer had called me from. After not hearing any updates or seeing the funds put back into my savings account, I contacted XXXX fraud department on XX/XX/2021 and the lady on the other end of the phone said that someone was still working on my claim and that they need to have a resolution by the XXXX business day ( XX/XX/XXXX ). I called for the final time on the XXXX business day after filing the fraud claim, XX/XX/XXXX, and I was told my claim was denied without getting any reason as to why. I am truly upset with Wells Fargo and am at a loss for words.. Someone claiming to be from their company tricked me into stealing my money but they cant do anything about it or provide ANY type of compensation?! I shouldve checked the phone number when I got the initial call from the scammer but I had no reason to think I was being scammed.. The fact that it is almost XXXX. This whole situation is XXXX breaking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had my installment loans and late payments deleted by the XXXX XXXX  XXXX XXXX and now my account Is in forbearance. XXXX deleted the XXXX XXXX XXXX   off my report due to the fair credit act. Equafax deleted the XXXX XXXX XXXX off my credit also but now there back on there. I have no current balance open with the XXXX XXXX XXXX nor do i have late payments open because my account is in forbearance. I will submit proof of every thing
Product: Credit card or prepaid card

Dear Sir and Madam, I have sent two letters to XXXX on XX/XX/2023 and XX/XX/2023, and submitted two consumer compliance forms. I just received a letter from them on XX/XX/2023, requesting me to file a complaint with you. My request is simple : please do not have DISCOVER company send any further payment recovery bills, as the bill is not my purchase or consumption item from beginning to end, and I can not find the seller 's address. I hope you can handle this matter well, please don't be disturbed by DISCOVER company again. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have a Chime account and has had them for over 2 years now. I use the account to pay bills. Now as of today XX/XX/2021, i received an email from Chime stating they are going to close my account on XX/XX/2021. The email did not provide a reason or an explanation. I called customer service and they couldn't do anything nor provide me a reason. 

Horrible company for doing this. Will not use them in the future.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Unauthorized Account information about a XXXXXXXX XXXX Account # XXXX with the balance of {$4900.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.
Product: Mortgage

I never wanted or asked this company to take over my loan. I have a lot to say. For the record the previous cfpb complaint did nothing to address my issues and as they cotninue to bill me prop preservation costs when they are needless, they are against NJ law, and they know or SHOULD know i am in my home i am preparing to head to court. This company has a bad record. I know these little mom and pops like XXXX try to get away with things. And Fay is no exception. While my loan was transferring i sent a bunch of certified mail requesting personal service. I have gotten no response, no statement of account as I requested from Ms XXXX. Who by the way has not returned any of my phone calls. XX/XX/XXXX you billed me a property preservation cost no one came here, NJ has just asked all these fees to cease and i know this is a needless and legally questionable fee that banks bill even when they know i am in the home. Especially given i am not getting the help i call and write for this is questionable more than that despite what may be in the loan agreement, you know or should know i am in the home and i will not pay the fees. I know my rights, the case laws and court decisions regarding this issue. I received a letter not a phone call from Ms XXXX which i requested asking for info I have given to XXXX XXXX for a loan deferral. You keep billing me needless legally questionable property preservation fees when they are not necessary but no one has gotten back to me except XXXX XXXX who does not call me when i ask him to. I asked to make a payment from Ms XXXX she never called me with an update or to take my payment. I ask to be called at a certain time. 
you can fight me on the fees but if need be i will sue in small claims court with case law in hand. No inspections needed you know i am here you know because i have written called and no one responds. No one was here XXXX nor is there a reason legally viable to ccome here. there is no give me info i need to complete my review which i do not have. I asked to be called after XXXX XXXX  eastern so i can pay the mortgage only. 
this company has a rep of taking advantage of peole i see that it wont happen to me. 
i want my review to go forward. period. i will pay no fees. No communication which is required by law BEFORE an inspection occured. I also need cease and desist on my account. I will never pay any fees NJ has called for banks to cooperate during this time i need to know if this bank or whatever you are is on board. I will pay no fees. i will take you to court before i do. No answer like its in the loan will address this. I AM IN THE HOME YOU KNOW WHAT AS SUCH NO NEED FOR INSPECTIONS FURTHER I CALL AND WRITE AND GET NO RESPONSE AS TO WHAT IS NEEDED TO FINISH REVIEW WELLS STARTED. STOP THE LEGALLY QUESTIONABLE INSPECTIONS I KNOW MY RIGHTS AND WILL GO TO END OF EARTH TO PROTECT THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card or prepaid card

Advised Kohls XXXX regarding scheduled payment process. Never received email on confirmation. Filed complaintwith XXXX  XXXX  XXXX. They saidIn your letter dated XXXX XXXX. 2021 you stated " Our records show that on XX/XX/2021, you authorized a payment for {$48.00} through the Kohls mobile app ( confirmation number XXXX XXXX to post to your account on XX/XX/2021. On XX/XX/2021, you authorized a second payment for {$48.00} through the Kohls mobile app ( confirmation number XXXX XXXX to post to your account on XX/XX/2021. '' However, in your letter dated XX/XX/2021 you stated " Upon further review, we found that the 2 payments referenced in your complaint were made through Kohls Credit Card Management. Payment confirmation emails are not sent for payments made through this channel. Any prior payments not made through this channel would generate a payment confirmation email '' So ... ..which is it??? 

As I have previously stated, I HAVE NEVER CHANGED THE WAY I MADE SCHEDULED PAYMENTS. Enclosed an email on a " SCHEDULED PAYMENT I made FROM my laptop on XX/XX/2021 for a PAYMENT to be made XX/XX/2021 that I RECEIVED AN EMAIL CONFORMATION. 

Investigate this transaction & provide the CORRECT information because the information I am providing you does not MATCH either of your scenarios From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday, XX/XX/2021, XXXX AM CST Subject : Payment Confirmation Dear XXXX XXXX XXXX, Thank you for using My Kohl 's Charge to schedule a one time payment. Details for this transaction can be found below. 

Confirmation Number : XXXX Amount : {$34.00} Date to be Withdrawn : XX/XX/2021 Funding Account : XXXX Payments submitted before XXXX XXXX  CT will be processed the same day and posted to your account the next business day ( excluding weekends and holidays ). If you would like to review this payment, simply access My Kohl 's Charge. 

Sincerely, Kohl 's Customer Service I received on XX/XX/XXXX. 2021 a letter stating they have closed my account effective XX/XX/2021 2021
Product: Credit reporting

Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --
Product: Credit reporting or other personal consumer reports

There was no late payment in XX/XX/year>. The Bank of America Auto Pay system failed to take any funds.
Product: Credit reporting or other personal consumer reports

I called and spoke to a representative from Experian and there was a language discrepancy it seems I tried to speak as slow as possible and explain that the address on file did not belong to me and I had originally sent in a report that I had identity theft. I expressed myself several times and asked to have my credit report mailed to the correct address that I had given the rep. I pulled the app on my phone to check my credit report and the same addresses are still on my report with an added inaccurate address. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These adrress are not accurate and should be removed. Due to having dealt with identity theft previously there may be information being mailed to these addresses with my name on it with my personal info attached to it. Please remove My correct address is XXXX XXXX XXXX apt XXXX XXXX Tx XXXX
Product: Checking or savings account

I opened a CapitalOne " 360 Performance Savings '' account on or about XX/XX/2020 on the promise that if I put in the right code at the time of account opening ( I think the code was " XXXX '' ) and transfer {$50000.0

0} or more to the account, the bank would provide a bonus of {$500.00} in a few months. I did all the required steps but never  received {$500.00}.

When I contacted the bank months later, I was informed that I can not get the bonus because I already have a different type of CapitalOne saving account at the time of account opening. However, I was not informed of this loophole at the time of account opening, and I was not informed that the code was no applicable to me when I entered it at the time of account opening.

The bank will probably say that the loophole is in the fine prints ; but I'd argue that the fine prints are not sufficient in this instance, since I had to enter a code so the bank was well aware of my intent and yet gave me no indication that I won't get the {$500.00}. I believe this is  deception and is in violation of XXXX.
Product: Mortgage

-HELOC with Capital One that matured in XX/XX/XXXX ; payments were made timely until refused during XX/XX/XXXX. I learned via a credit report review in XX/XX/XXXX that Capital One was reporting the matured loan delinquent and in foreclosure. I had not been notified and began disputing the negative reporting. Capital One send me a notification to apply for a loan modification. I applied in XX/XX/XXXX and was approved on XX/XX/XXXX. I accepted terms and sent notice to Capital One on XX/XX/XXXX. Yet, Capital One continued to report negatively while processing, contrary to the commitment letter terms. -A verbal rescission of modification ( received via phone ) in XX/XX/XXXX, citing an underwriting error ( due to my property being an owner-occupied 4-unit property ). I was told that the matter was under review and I would be contacted. I was not contacted again regarding the modification and subsequent calls yielded no further information. -I was advised to contact an attorney to learn more about the foreclosure proceeding status. Once reviewed, the attorney determined that the credit delinquencies were in error, as the note matured and the suit filed was not a foreclosure, but a suit on a note. A communication was sent asking Capital One on XX/XX/XXXX to correct the errors, as the inaccurate reporting was having a negative effect on my credit score/report making it difficult to obtain a loan through another lender to pay off the Capital One loan. -On XX/XX/XXXX I received an alert from the credit bureau that Capital One changed the status from " foreclosure pending '' to " Bank Adjustment, Deed in Lieu, or A Bank Liquidation status ''. This is also inaccurate, as Capital One has not replied to communications or notified me as to next steps. Subsequently, this update has dropped my score by an additional XXXX points.
Product: Payday loan, title loan, personal loan, or advance loan

When I needed a loan to get me through to the next payday with the company earnin, the company also charged tips ( interest ) in addition to the loan I needed and as a result my account went negative and forced me to close the account as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Mortgage

My prior servicer, XXXX, informed via letter dated XXXX that my loan would be transferred to Fifth Third Bank N.A. on XXXX. Fifth Third informed me of the transfer in a letter dated very late, XXXX, which did not reach my home until XXXX, at which point the payment was late. The envelope was not postmarked or dated, and was OPEN, UNSEALED in my mailbox. What kind of nonsense is that?

When attempting to create an online account and login using my home computer, Fifth Thrid 's website asked excessive questions regarding my loan, and claimed it could not " verify my device ''. This " device verification '' is utter nonsense - I work in tech, no idea what nonsense this is. 

The website referred me to the automated phone system, which sent me in circles, asked me for ATM pin numbers ( I don't have a consumer banking account ). I then was able to log in via the bank 's app, after the login appeared to fail. I was able to see my loan, but was told by the app that I did not have a " valid payment account '', with no way to add any of my existing bank accounts. 

I believe A ) Fifth Third is scamming app users into creating consumer bank accounts with them for the pleasure of paying their mortgages. 
B ) Fifth Third set me up to fail by informing me of the transfer and providing instructions far too late, and will hold this late payment against me, my XXXX XXXX, and that of my spouse. 

Fifth Third 's practices are lazy, unethical, and they clearly do not have their house in order as it relates to account and website security. Why are these shady practices allowed and tolerated?
Product: Consumer Loan

I took out a loan with One Main Financial and they said that my payment was going to be {$180.00} dollars a month, but when I went online to look at my account summary my payment was only {$130.00} a month. I called them to asked about it but was told to call back, and I called back and was told that they would call me, but I never got that call
Product: Checking or savings account

My business banks with Wells Fargo. On XX/XX/, a false/fraudulent check for {$24000.00} was deposited by an unknown person ( written to " XXXX XXXX XXXX XXXX on the check ). We called Wells Fargo and let them know it was a fraudulent check and they said they would look into it. Almost 3 months later, they sent us a statement saying they couldn't recover our funds, which we thought was absolutely ridiculous. The case number was XXXX. We would like some better fraud protection from a large, national bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW ACCOUNTS HAVE BEEN ACCESSED MY CREDIT PROFILE WITHOUT MY PERMISSION AND WITHOUT MY KNOWLEDGE. I WOULD LIKE FOR THEM TO BE REMOVED FROM Y CREDIT PROFILE.

THESE INQUIRIES ARE BEING IMPROPERLY DISPLAYED ON MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED ENTIRELY. XXXX inquiry XXXX XXXX XXXX XXXX inquiry JXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX