23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the denial of a Claim by XXXX XXXX and Bank Of America. Someone has stolen my credit card information and purchased XXXX XXXX XXXX XXXX XXXX The price of the XXXX tickets was XXXX $ and they made the purchase on XX/XX/year>. I have a number of issues with the reasoning of being denied. First is the Billing Name they provide is XXXX XXXX XXXX, my full legal name is XXXX XXXX XXXX. Secondly they say that because the name of the email they associated the purchase with has my correct first and last name that is mine. The email they made the claim to is XXXX and after looking up this email it was deactived due to inactivity. XXXX does not deactivate accounts until 12 months of inactivity. How could the tickets be claimed or verified from an email that does not exist. Third, Bank of America allowed a charge to go through despite my credit limit being XXXX $ and at the time i was already using at least XXXX $ of my credit. Fourth, I have not and have never been to XXXX at anytime where the event was to be held. Fifth, I am not sure why it took so long for Bank of America to process this claim as I had brought it to there attention not even an hour into the money being spent as it was still being processed. Finally the IP address they claimed to be in close proximity with me was to a XXXX XXXX  that anyone with a XXXX could use in order to put themselves in close proximity to myself. Thank you for taking the time and I hope we can resolve this quickly.
Product: Debt collection

Shellpoint Mortgage Servicing ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on Shellpoint 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that Shellpoint is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to Shellpoint 's provided internal report and records.
Product: Mortgage

I started to complete online information about my property on or around XX/XX/2021, however, I did not submit it. However, the system recorded some of my information, and I was contacted by Quicken Loans. My hesitancy was that I did not want a HARD hit on my credit report since at the moment my property has no equity compared to its market value. Well, to my surprise a Quicken Loans agent contacted me, and explicitly communicated to him that I did want a hard hit on my credit report knowing the above information. The creditor 's agent, Quicken Loans assured that he would access my report with a Soft hit. My credit report was locked and it took a couple of days to unlock due to technical difficulties.To my dismay, and frustration I received my monthly XXXX report and it indicated a Hard hit on my credit report by Quicken Loans on XXXX XXXX. I contacted Quicken Loans and escalated the matter to which they replied it would take a few days to research. The representative contacted today Thursday XX/XX/2021 to inform that they could not remove it. I NEVER agreed to a Hard hit on my report I responded. He informed me there was nothing else he can do until it is escalated. This was a misrepresentation by the creditor 's agent in order to access my credit report, and afterwards tell me that I did not qualify for anything.
Product: Debt collection

I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC. 
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC. 

On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID. 
I went on-line and Googled the number. It is for " ERC '' ; a debt collector. 

I have asked that they never call my number again - but it has not worked for me. 

I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..
Product: Mortgage

On XX/XX/XXXX, I received an unsolicited phone call from someone claiming to work at Wells Fargo. The person said there was a problem with our upcoming automatic payment draft in XX/XX/XXXX and asked me to provide our bank account and routing number. 

This phone call occurred the day after XXXX. I was in no position to give out our bank information through an unsolicited caller. I expressed my concern to the caller and then went online to wellsfargo.com to check our account after hanging up. Everything looked in order. Our bank account information had not changed in years. I sent Wells Fargo a secure message online and expressed my concern for what I believed to be a phishing call. 

Our payment went through online in XX/XX/XXXX but never was reduced in our bank account. About a week after the payment online was posted, Wells Fargo sent us an email stating the payment could NOT go through. I went online and tried to re-enter our same bank account information and it said it was already on file. I then deleted our information on file and tried to set up a manual electronic payment from a savings account. I doubted it would go through and also re-entered the same original bank account information and tried to set up a manual payment. 

Eventually both payments went through. Again, Wells Fargo did not explain why manual payments could go through fine but it was our fault / our bank 's fault for an unexplained error in pulling an automatic payment. Upon request, Wells Fargo returned the payment from the alternative account, leaving just one payment made for XX/XX/XXXX. 

I scheduled a manual electronic payment for XX/XX/XXXX and it just recently went through. Wells Fargo has yet to acknowledge its error or lack of responsibility for the XX/XX/XXXX phone call that did nothing to accept responsibility for the problem. 

In a letter dated XX/XX/XXXX, Wells Fargo send me a letter saying that they have reviewed our complaint and said that since they told us the call in XX/XX/XXXX was legitimate, we were warned of the problem with our automatic payment. Therefore we had no reason to be frustrated or upset. 

Wells Fargo is a huge company that acts without apparent care for an individual mortgage payer. We have never missed a payment and try to pay extra whenever we can. It feels like they are being deceptive, using practices like unsolicited calls around the holidays that an average consumer would be wary of, and taking no accountability for why their system can still not set up an automatic payment for a bank account that had worked just fine for years. 

We asked for some type of financial compensation / credit to our account for the inconvenience. We also asked that no negative credit reporting be done on our account. 
While they ignored the former request and promised the latter, I think this company needs to be reviewed again for deceptive practices. Thank you.
Product: Debt collection

They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.
Product: Checking or savings account

On XX/XX/year>, I was on a business trip and we ( party of over 15 people ) grabbed drinks from the hotel bar. The total, which could not be split, was {$340.00}. I happily paid this check. Once the transaction posted to my account, there was a tip added in the amount of {$140.00}, which I did not authorize. No tip was left as the hotel bar required an 18 % tip, which was included in the {$340.00} check. 

I contacted the merchant and no assistance was provided. I disputed this amount with Wells Fargo, my checking account holder, and the dispute was opened. On XX/XX/year>, I received a letter advising that my dispute was closed as I did not provide any information. This is untrue as I provided a copy of the detailed receipt. I called Wells Fargo and I was informed that my dispute was opened under " different card used '' and that the merchant provided documentation supporting that a tip was left. The dispute was incorrectly opened and not correctly closed. I asked for the merchants documentation ( as they falsified a tip ) and I was advised that it will take 30 days in order to receive the documents and that the dispute case can not be reopened.
Product: Credit reporting or other personal consumer reports

I dont recognize XXXX XXXX  nor have I ever even applied to this company. I would like this removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX three times requesting proof that that I was late in XX/XX/2019. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Product: Checking or savings account

I am writing to file a complaint regarding an issue with a deposited check in my Chase Bank account. On XX/XX/XXXX, I deposited a check totaling {>= $1,000,000} into my Business Chase account. The check was processed and cleared ; however, Chase Bank has refused to release the funds to me, citing an inability to verify the issuer of the check using the phone number registered in their system. 

The check in question represents proceeds from the sale of a property, issued by XXXX XXXX XXXX, XXXX. I have provided Chase with all necessary information, including the check details and any supporting documentation upon their request. Despite this, Chase has maintained that they are unable to verify the authenticity of the check issuer through their standard verification processes. 

I have diligently followed up with Chase customer service representatives, providing additional information and offering to assist in any way possible to facilitate the verification process. However, the funds remain inaccessible in my account, causing significant inconvenience and financial strain.

I believe that I have complied with all necessary procedures and provided sufficient documentation to support the legitimacy of the deposited check. Therefore, I am seeking assistance from the CFPB to help resolve this matter promptly and ensure that Chase releases the funds owed to me without further delay. 

I will be happy to provide a copy of the check deposit receipt and any other relevant documentation to support my case. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account in fifth third bank with a bonus offer of XXXX dollars. I finished all requirements to get the bonus but I did n't obtain the bonus because of XXXX occurrence of overdraft of my account. However, the reason why it happened is not my fault at all. The banker failed to code me as a student in the system, as they said, so that I was charged monthly fee at that time and the negative balance shown on my account. Then they regarded me as a bad account and refused to give me the bonus. The weird thing is that, for the first month I opened my account, the monthly fee was not charged on my account because they successfully coded me as a student. When I finished everything they required to get the bonus after the first month I opened my account, I was charged that mostly fee so that I was not qualified to get the bonus. What a trick! I should get that XXXX dollars bonus. All information can be obtained from my statements. You can also find the reversed monthly fee which means they gave me monthly fee back after I asked them. What they said to me about the bonus is that even though I was qualified and this was not my fault, they could not change anything in their system regard to this.
Product: Debt collection

I am disputing the failure to remove fraudulent accounts from my credit report, despite confirmation of their fraudulent nature and assurances from the bank for their immediate removal. XXXX and XXXX have already rectified this error, indicating its inaccuracy. Please comply with the law and remove the following accounts promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, I submitted a dispute to Navy Federal due to a scam that occurred via XXXX. I never received the product that I paid for on XX/XX/2019 and informed Navy Federal that the vendor had blocked me and I had no way to contact the vendor. Im escalating this matter because I want my money back. The letter they sent me with the reason they were unable to process my claim is as follows : The amount debited by the merchant was agreed upon when the services were initiated. While we understand the recipient of the funds failed to fulfill an agreement, the funds transfer service was fully performed. Therefore, we have no recourse within the dispute resolution process to pursue this matter further. I never received the product. I never received tracking information as if the product was on the way just excuses. When I had asked the vendor whats the status of the shipment, I found out that the page no longer existed. Please escalate this matter.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

UPON MEREVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT ARE APPEARING ON MY CREIT REPORTS THAT, WERE OPENED WITHOUT MY KNOWLEDGE.
Product: Bank account or service

On XXXX XXXX I received an email notifying me of a deposit of {$6600.00} someone made to my personal checking account. Since i did n't expect any deposit i called and notified my bank USAA. As i refreshed my mobile USAA app to see where the deposit came from my account started showing charges and withdraws at a XXXX in Georgia totaling about {$3700.00} or so from what the bank told me. I told my bank i did n't recognize the deposit or charges. So while i was on the phone with the fraud department with USAA the representative told me someone was trying to make purchases in Georgia as we were on the phone so the representative blocked my card/account. I was told they tried a few times to use the card but since it was blocked they gave up. The representative told me that they were going to do an investigation which could take up to 48 hours. He also said since it was Sunday i had to call back on Monday the XXXX and notify the Checking department about the deposit, that i did n't recognize it so they could look into it. I asked the rep if this would affect my other accounts and was told NO. I have other joint checking, savings and Youth accounts with USAA. So on Tuesday the XXXX i tried to use my accounts at the grocery store and all my cards were denied. I called the bank and i was told that ALL my accounts have been locked and i would n't have any access to any funds while the fraud was investigated which would take up to 48 hours I got upset cause no one ever notified me that they would be locking my accounts and leaving me with absolutly NO money. I told them i have a XXXX and XXXX year old and i need some money. I requested that i be allowed to withdraw $ XXXX {$300.00} of MY money from XXXX of my accounts that had funds just to hold over my family while they conducted their investigation and i was denied. I was told i had to wait 48 hours. It is now almost 2 weeks and my accounts are still locked. I have called everyday to check the status and i 'm told it will take 48 hours. Even the USAA reps i have spoken to have said it shows that the investigation has been completed days ago and they do n't see any reason why my accounts are still locked. Yet they are unable to unlock the accounts and i must continue to wait another 48 hours. Since i have n't been able to access MY money i have n't been able to pay any of my bills and have now received late charges, i have n't even been able to pay my rent. My landlord is charging me a late fee for every week its late. I now owe almost 2 weeks worth of late charges. I have told the bank of my issue and they keep telling me to wait 48 hours. I have had to borrow money from family and friends to get my family thru these last 2 weeks. It 's been almost 2 weeks and no one can give me an explanation why my accounts are still locked. I 've been a member of USAA for about 4 years and they have NEVER and any problems with me or my accounts. That 's why i still do n't understand why i 'm being treated like this. PLEASE PLEASE HELP ME AND MY FAMILY ...
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 reinvestigation 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 failing 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 ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from Experian stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if Experian contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to Experian disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my Experian credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I noticed his derogatory information on my credit from century credit inc Account number XXXX representing a creditor by the name of XXXX XXXX XXXX.Upon notice of this on my report I filed a dispute with XXXX  and XXXX XXXX. Today I received a letter dated XX/XX/XXXX. On this letter, in reference to the account and the current creditor as XXXX XXXX XXXX, But what the attached was a contract from XXXX XXXX XXXX not XXXX XXXX XXXX. I Called A SENTRY representative, because it was no address or phone number listed with XXXX XXXX XXXX XXXX. After speaking with representative she discussed the contract referring to payment agreement I explain to the representative That the paperwork does she sent was contradictory and that the information provided the credit bureau was contradictory and that the signatures were either electronic or cutting paste and it was electronic date of XX/XX/XXXX not XX/XX/XXXX. I Explained that this company has not done anything that they are complaining charging, nor did I borrow any money or have a judgement againstme. I further advise that my representative was from The XXXX at the VA in XXXX XXXX XXXX not them. she then wanted me to send her proof, but I not trust them becuase it takes a real Pariah to pray on XXXX Vets, She did say that she has had similar issues with this particular client, but they still pay their bills.