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

Fully five months after [ Chase Bank } assisted me in opening a Fraudulent Check Claim with Chase 's Customer Claims Department, I still have had no significant response to my business banking reported criminal activity. I did receive two form letters from Chase that stated, " We are still working on your fraudulent check claim, but the other bank has not responded '' [ No period ] That's it! I have had no follow-up to the inquiry at all. I have not received any phone calls, emails, or explorations from your Chase 's Fraud Department, of any kind. I have not ever, even received a phone call from my branch manager, either for fact finding or reassurance, or reach-out. My business, [ @ ] and I, have been a loyal customer for decades, and we've done hundreds of thousands of dollars in transactions and deposits yearly, during that time. This apparent lack of follow through is both unwarranted and inexplicable.
Product: Mortgage

After receiving written response from my official complaint # XXXX from PNC Bank, specifically Executive Client Relations, XXXX XXXX, it has now become apparent this bank is totally disingenious and has no intent on returning money due to me. Their response was full of mistruths and falacious information. It showed incompetance on a level I have never seen before, evidenced by XXXX XXXX XXXX telling me last week in a " recorded conversation '' that my next tax payment as per her teams findings ( whom she stated has put a lot of time into evaluating my case mine you ) is due XX/XX/XXXX. I went to the XXXX Dept of Finance myself today XX/XX/XXXX ' and found out in a " documented printout and explanation by Tax Representative '' that my real estate taxes are paid through this quarter and I am not due to XX/XX/XXXX. This is the reason why I am having problems with this bank because they are not using facts which started in XXXX XXXX. I believe this is an example of blantant discrimination. I am hiring an attorney and taking this to the next level.
Product: Mortgage

Bayview Loan Servicing , LLC took over my loan from XXXX XXXX XXXX, after the Federal Government found XXXX XXXX XXXX guilty of improper mortgage modification and I was awarded {$2000.00} dollars and they were to complete trial modification. They did n't, they sold it to Bayview. Bayview has delayed, denied, stalled the loan modification for years now and continues to say they either did n't get requested documents, when I have proof of delivery or they just deny it outright ; telling me they represent the investors not the mortgage holder. This is criminal. They improperly send notices through their attorney prior to even sending decisions trying to foreclose, even during my XXXX and especially on Holidays hoping I was not home. They need to be reprimanded and fined for not following federal guidelines just at XXXX XXXX XXXX was.
Product: Debt collection

On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failure to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts has been made to contact XXXX XXXX financial aid office in regards to my current student loans. I attempted to return to school in XXXX XXXX DC at XXXX XXXX XXXX months before COVID ; because of the sudden series of event I was forced to withdraw from attendance while taking care of an elderly loved one.
Product: Money transfer, virtual currency, or money service

I purchased some merchandise off of XXXX on XX/XX/XXXX and the seller requested that I send the money through XXXX. I sent the XXXX and after the funds were sent I heard little from the seller and they eventually ended up blocking me and and I have no contact to the seller. I issued a dispute and there was no solution I end up losing my money and my bank said they could not do anything more regarding the situation. They told me I would have to directly go through XXXX  to resolve the matter XXXX does not have a phone number they can be reached at and the email support is not reliable
Product: Credit card

On XX/XX/2024, I contacted Capital One to request assistance through a hardship program, as I am currently one payment behind on my account with them. Despite my clear explanation of my situation, I was repeatedly transferred between departments without receiving any helpful options. The only solution offered was to make a payment, which I explicitly stated I could not afford to do at this time. 

I informed Capital One that a higher payment was not feasible for me, and I requested alternative solutions such as better terms, a fixed payment plan, a lower interest rate, or the removal of late fees. Despite my willingness to make one payment and arrange a long-term solution, no assistance was provided.
Product: Credit card

This is a follow up to complain ID XXXX. I have reviewed Wells Fargo 's response and I disagree with their assessment. They are asking me to provide proof of a {$280.00} XXXX ride which I did not and could not have reasonably received. If a scammer is intent on robbing someone, they are not going to give evidence to the victim. That would be equivalent to a robber leaving their name and number at someone's house after stealing from it. Additionally, I have asked for the recorded transcripts numerous times and have received nothing. Why is that? I reported the scam the exact day it happened, hence why my card was turned off on that day. I was told on the phone this charge would not go through, yet it did anyway despite it being in pending status when reported. Please provide all the call transcripts that I've had with your fraud department, especially including the day of the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified XX/XX/XXXX about my server loan company XXXX will be notified about the case resolved with sweets vs Cardona This means my student loans will be deleted per my school-involved American XXXX university and that I will no longer have to make payments to the loan server to where my account was transferred from XXXX  most recently. XXXX as the new server will remove all debts owed and shown on file to notify all credit bureaus about the news from the case mentioned above to remove such notices and amounts shown on my credit report. Therefore, once the cr bureau is notified my score is to increase as it never did before with the existing student loans on file. I never owed this outrageous amount. Charges in interest by DEPT OF EDU. My father had died as a militant man and I had a parent loan which he paid. Someone changed my student loan to a single loan from a parent loan and I learned that you can not do such a thing to any student. Besides that, the school XXXX convinced me and other students ( while other schools are involved ) that I/we will make over a certain amount like XXXX working in our graduate field. Bigotry was also a part of the school 's lack of integrity and advertising to gain loyalty. Upon my father 's death, he made sure my loans were paid in advance. The school then charged erroneous payments for out-of-state fees and dorm fees, which I was in a state with a driver 's license and address in Georgia where I lived in and out of the dorm but merely, but I was overcharged at XXXX a year for XXXX yrs when my father had paid the bill before me graduating. Nevertheless, I completed the XXXX Borrowers defense application in XX/XX/XXXX ordered by President Biden. This announcement also affected the sweets vs Cardona case win and resolution on XX/XX/XXXX! I also mailed you a letter from dept of Edu! And called you last 2 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau Customer Service would not help and take care of the negative inquires reporting to my credit report. 


XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX As well as ACCOUNT XXXX XXXX- XX/XX/XXXX, Never Had a Contract with this Creditor, amount is XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, Never Had a Contract with this Creditor, amount is XXXX.
Product: Credit card or prepaid card

Ive used my American Express serve card for years and still use for direct deposit. Their dispute department is terrible when it comes to ATM errors on withdrawals and wont refund your money. I had XXXX $ taken from my card On XX/XX/XXXX from the XX/XX/XXXX atm on XXXX grand concourse in the XXXX. I had XXXX $ taken from my card on XX/XX/XXXX from XXXX XXXX in XXXX on XXXX XXXX XXXX as well. I tried to withdraw XXXX $ from the ATM to only receive XXXX $ and a ATM error displayed on the screen. I checked my serve account to find it took out the XXXX $ from my account but I only got XXXX XXXX I disputed the transaction with picture evidence of the XXXX $ in hand and the ATM showing the error on its screen. XXXX agreed to give me XXXX $ in provisional credit while they investigate. Days later they email me saying no funds are due and they are reversing my provisional credit. WHAT!? Instead of agreeing with my dispute and leaving my XXXX $ I worked for, XXXX rejected my dispute and took the XXXX $ provisional credit back leaving my account negative. Proceeding to reject my disputes with picture evidence of an ATM error and telling me the merchant provided documentation the XXXX $ was dispensed. Which is hilarious because I was the only XXXX in the place who witnessed an ATM shoot out XXXX $ on a XXXX $ withdrawal, display an ATM error on screen. I took a picture for this VERY REASON. Im pretty sure the ATM was low on funds and only had XXXX $ left. No matter how much I call or dispute, serve refuses to put my money back. My evidence doesnt matter. I tried to take out XXXX $ at XX/XX/XXXX to have it shoot out nothing and say ATM error. I didnt take a picture that time so I accepted serve rejecting my dispute. I cant accept this time. Dispute department is just going off the merchants word.
Product: Prepaid card

On XXXX I transferred {$1800.00} from my XXXX prepaid credit card to my XXXX  XXXX XXXX XXXX checking account via the Money Network website. The money was never deposited, in spite of receiving a confirmation of the transfer request. Customer service said there was an error and the money would be returned to my debit card in XXXX business days. That did not happen either. I filed a dispute claim, as instructed, and included screenshots of the transaction, with my correct bank information listed, and the confirmation. I received a letter stating that my claim was denied, without explanation. I have reached out several times, over the last XXXX months, both by telephone and email. Customer service can not help me and tell me to send an email to the prepaid card dispute address and those inquiries are ignored. I never get a response. There has been no XXXX trace, that I am aware of, or any kind of investigation to see what happened to my money and where it went. It is the equivalent of almost a month 's worth of unemployment benefits. I am unable to get a hold of anyone that can/will help me resolve the matter. At this point, I consider it fraud and theft. I have filed a complaint with the FDIC, FTC and OCC. I have also written my local and state representatives. I have updated my XXXX account, as they now offer direct deposit, so I will never have to deal with Money Network again.
Product: Credit reporting, credit repair services, or other personal consumer reports

As requested by Equifax for additional relevant information. ( Please see attachment for further detail ). 30 days ago I have disputed and challenged XXXX XXXX XXXX XXXX  on my Equifax credit report. 

In the attachment you will find relevant information which may be  inconsistent with what is currently being reported on my Equifax credit profile. This is a violation. 

On my credit report, Equifax has last payment date of XX/XX/XXXX. But in documentation received from the original creditor. The last payment date was in XXXX of XXXX. As a result, by default any and all information being imported by the furnisher is inaccurate and is deemed irrelevant. XXXX  XXXX XXXX XXXX  must be removed effective immediately from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260000.00} Late/closed
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : Under the Fair Credit Reporting Act ( FCRA ), creditors must have your authorization for each hard inquiry. If these inquiries are duplicates without authorization, they could violate FCRA regulations. 

In your dispute with XXXX, cite 15 U.S.C. 1681b ( f ), which requires permissible purpose for any hard inquiry i do not recognize these account plz remove asap XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate with XXXX XXXX ( same date ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX,
Product: Bank account or service

To whom this may concern, This is a follow-up to my ongoing reports that Wells Fargo & Company ( " WFC '' ) is violating a number of consumer protection laws. By way of background, WFC alledges I am obligated to pay a debt - but WFC has not provided verification of such debt. At the same time WFC has refused to provide identity theft protection services as promised within the account agreement. After I reported these illegal activities to the CFPB and OCC WFC retaliated by submitting known to be false information to my credit report. This including submitting to credit reports that my address was " Cease Desist XXXX, SD '' ( effectively locking me out of the financial system because banks were unable to conduct an address verification as my credit report would say I lived at a non-existent address ). In addition to submitting false address information, WFC removed all of the previously reported satisfactory payment information from my account and chose only to report the negatives - which is a gross violation of the Fair Credit Reporting Act. 

Unfortunately, that was not the end. After I reported the retaliation to WFC and the CFPB, WFC updated my credit report and removed the fact that the debt is in dispute. This appears to be an attempt by WFC to remove the fact that I have always disputed this debt in an effort to sell the debt to a third party for a premium. 

Given such, I am demanding that WFC re-insert the correct information that the debt is in dispute and include that upon my credit report. Furthermore, WFC shall provide all of my disputes and arguments to any party to which is sells the debt to. 

Notwithstanding the above, I would like to know how the arbitration policy effects disputes if WFC transfers or sells the debts to another party. Will the other party be bound by the same arbitration agreement?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance Owed : {$0.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a claim from XXXX XXXX XXXX for the collection of debt from Synchrony Bank/TJX credit card for bill from XX/XX/2018, for {$290.00}. 
I do have a TJ Maxx credit card but not this number.

I called TJ Maxx and they said my balance is zero. I pay my card every month. 
I called Synchrony Bank and they said the account was sold to XXXX XXXX. They said I could file a dispute with them and file a claim to the FTC. 
I pay my TJMaxx bill every month on time. This bill for over 2 years ago and this is the first time I have ever seen it. I believe this to be credit card fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name ( XXXX XXXX XXXX ) XXXX Social Security Number. ( XXXX ) Consumer Date of birth ( XXXX ) looked at my Full Experian credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

XX/XX/2020 a charge appeared on my chase credit card from XXXX & XXXX XXXX, an electronics store in XXXX XXXX XXXX for {$850.00}. I live in California and have never shopped at XXXX & XXXX. I reported the charge as fraud and it was removed. 

Chase performed an investigation and deemed the charge not fraud and added it back to my account in XXXX. 

I contacted Chase and they said 1. The purchase was for a bunch of computer processors ( not something I have ever purchased ) 2. The purchase was shipped my home address 3. The purchase was signed for at my home by XXXX. The person who signed for the purchase used the name XXXX XXXX ( that is not my name ). 

Because the shipping address matched my address they said it was not fraud even though I did not order this item and I was not the person who signed for it. 

I contacted the merchant and they provided me the email address used to make the purchase ( and where the receipt was sent ). The email address was NOT my email. 

I have provided Chase with these details but they continue to believe the charge is not fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I noticed a charge off on my credit under HSBC for {$6400.00} on XX/XX/2022 I noticed a charge off on my credit under XXXX XXXXXXXX for {$5300.00} Come to find HSBC and XXXX XXXX and four credit agencies reporting all the incorrect : 1. Address 2. Phone numbers 3. Birthdate 4. Name 5. I was dead. 
Since XX/XX/2022 I have provided all four agencies with IRS tax returns, home tax bill, SS cards, Birth Certificate, XXXX, XXXX, XXXX, and XX/XX/2022 I have email, mailed IRS tax returns, home tax bills, SS cards, Birth Certificate, XX/XX/2022 XXXX Police told me to call FTC which directed me to CFPB
Product: Bank account or service

I have a text alert set up on my checking account to alert me when my account goes below {$5000.00}. On XXXX/XXXX/2015 my checking account balance dropped below {$5000.00}. I was not notified via text until the morning of XXXX/XXXX/2015. In the interim I had XXXX items clear my account which caused XXXX overdraft fees of {$100.00}. Had the alert worked properly, I would have moved funds to this account and avoided the fee. After spending XXXX minutes on the phone with Regions Bank representatives, I was only refunded {$18.00} of these fees and told that a supervisor would review refunding the remainder of the fees and call me. I did not receive a call back so I sent a secure message asking that the remainder of the fees be refunded since the Bank 's notification was XXXX days after the actual occurrence of the balance dropping below {$5000.00}. Regions responded that it essentially was not their problem that caused the overdraft as I should have better monitored my account ( which I attempted to do by setting up the text alert ) and that the alert may or may not work.