23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Friday XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to use their chime ATM. I used the chime credit builder card to withdraw {$360.00} from said card using funds transferred from my savings account on chime. The transaction was successful, but when the money was dispensed, I failed to grab it on time, causing the ATM to retract said dispensed money. I immediately contacted chime and gave them all of the details regarding it. I was told I needed to wait for the transaction to " settle '' in order to dispute it and get my money back. Saturday following, the transaction settled and I started the dispute process. I described the incident the way I have here and was reassured the money would be returned. The following Monday I realized that chime had denied my dispute. I requested all information collected during the investigation, their response was an email containing 2 files which were photos of the 2 ATM receipts I had sent them for documentation. I asked for a reason for denial and was given none. I asked for the case to be re opened and was told that it would be, but was given no further response since. I am just a simple working man and losing XXXX dollars has caused much financial stress. I don't know what else I can do.
Product: Credit reporting or other personal consumer reports

My cousin used to live with me and I think he must have used my information to open up some accounts, please remove these accounts from my report.
Product: Checking or savings account

I am writing to formally express my dissatisfaction regarding Chase 's handling of unauthorized transactions on my checking account, which occurred on XX/XX/year>. 

On that date, I noticed three unrecognized charges totaling {$780.00} from XXXX locations in XXXX, XXXX, and XXXX. I immediately contacted Chase to report these transactions as fraudulent. During my call, we reviewed my account activity, and I confirmed that I had only made one legitimate purchase for {$20.00} at XXXX XXXX that same day. I do not live near the aforementioned XXXX locations, nor have I ever visited them. 

The representative informed me that my card was used via XXXX XXXX on someone elses device. Chase promptly filed a claim and removed the card from the unauthorized device. I clarified that my physical card was with me at all times and had not been lost or shared with anyone. 

For two weeks, I received no updates on the claim despite following up multiple times. On XX/XX/XXXX, I called again and was informed that the claim had been closed with no opportunity to reopen it. I was further told that the " investigation '' determined the transactions were valid because : A PIN was used which is impossible as no one knows my PIN. 
The transactions occurred near XXXX XXXX based on GPS which is false. The XXXX locations in question are about a 30-minute drive from XXXX XXXX XXXX and I did not visit them. 
When I asked why I did not receive any verification messages for these transactions, I was told that Chase only sends notifications through the app and approves transactions if no action is taken. This is unreasonable and impractical. It is not feasible for customers to monitor the app XXXX, and it is Chases responsibility to ensure the security of our accounts. 

As an XXXX  XXXX, I am confident there were no app notifications, and I requested logs to verify this. However, I was told Chase could not provide such logs and that I should contact XXXX directly. This response is unacceptable. Chase is responsible for protecting its customers ' funds, and your lack of assistance or transparency suggests that no thorough investigation was conducted.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on XXXX, XXXX, and Experian. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent mutiple letters to each bureau via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased a house in XX/XX/XXXX, using cash from my retirement account and a loan from a friend. I intended to get a mortgage to replace the funds and repay my friend 's loan. I applied in XX/XX/XXXX to Quicken Loans through their Rocket Mortgage division. The first person I talked to, XXXX XXXX, did an initial evaluation, asking a bunch of questions. One of the many questions XXXX XXXX asked me was whether I 'd been in the house for six months. My response was No, I 'd been in the house FOUR months. 

After answering her questions, XXXX XXXX passed me off to someone else, whose name I do n't recall, but who was a Loan Processor. He asked me some of the same questions as XXXX XXXX and sent me a rate lock-in agreement, which I signed and returned as instructed. He said I had to get the house appraised and the cost was {$500.00}. I agreed to the appraisal and paid the {$500.00} and signed the Deposit Agreement. In the meantime, the processor sent me the usual mortgage application documents. 

A few days after the appraisal was completed, the loan processor called me and said hed just discovered Id only purchased the house four months ago, and their company required the applicant to live in the house for a minimum of six months before refinancing. So, I was informed, they were unable to proceed with the refinancing. I argued with the processor that they shouldnt have made me get an appraisal on the house since it was already pre-determined there wasnt any way Id be able to get the mortgage. I felt they cheated me and played dirty. I asked him if this bait-and-switch was the way they just another revenue stream for them. A few days later, I received a letter from XXXX XXXX, stating they just wanted to remind you [ me ] of the reasons why we are unable to help you with your loan at this time. They went on to claim the reasons were related to Collateral ( Title Issues ) : liens, judgments, vesting. 

The letter was a total lie and I didnt appreciate being lied to. I demanded my {$500.00} back and was denied.
Product: Checking or savings account

City bank has several accounts issue with my information, money transffered from my XXXX XXXX to city bank and city bank doesn't have any explination for me ; CITIBANK , N.A . DEPOSIT XXXX XXXX CITIBANK , N.A . DEPOSIT XXXX XXXX {$500.00} {$100.00} XXXX XXXX account XXXX. 
CITIBANK , N.A . DEPOSIT XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX cashed check XXXX XXXXXXXX to to CityBank account XXXX XXXX transfers and credit card payment to City bank Here are some of the accounts opened and closed by them with City Bank and I don't have information on Here are some last XXXX digits City Bank accounts Account ending in XXXX Account ending in XXXX Account ending in : XXXX Account ending in XXXX Account ending in XXXX I have gone to different City Bank locations and they are not able to even give me a print out on transactions on this accounts or tell me where the funds are, they just said that the accounts have been Closed, that if there were funds they will send me a check and nothing has happened. I don't have access to this accounts or any transaction history. 
I am pretty concerned because this involves taken fund from XXXX of my other banks institutions and also my other XXXX XXXX account was closed the the institutions. 
I have called many times and they wouldn't speak to me. 

Please help me find out what happened to my money with City Bank, the check cashed and funds gone, plus XXXX XXXXXXXX Transfered. 
I have XXXX possible suspects that might've stolen my information and funds around that time, I need to verify, please help me...
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to obtain my credit report from Equifax. Answered all the questions to the best of my ability ( looked up the answers to the questions asked since the questions were about lenders that were more than 5 years ago and paid off ). After answering, a message appeared that I could not get my report. I waited 24 hours tried again, the same message came up. I then called to straighten out the issue and 3 different phone representatives gave me 3 different answers and you can barely understand them due to their accent. I have now waited 48 hours and am still getting the same message of not letting me get my report. I have also tried to enroll into My Social Security and was told that Equifax is not letting me enroll. Who has so much power of my Social Security? I am hoping that my complaint will help my issue with this credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX XXXX - XXXX XXXX
Product: Prepaid card

MANY years ago, XXXX had a program called XXXX XXXX, and would issue these savings to a virtual Amex card called Bluebird. XXXX got greedy fast and eliminated real savings -- and the card for us. I used up my whole balance. Amex/Bluebird did not care, though. TO THIS DAY they send me emails -- but I have no access to the allegeed account it is for, so I can not close it. I can not unsubscribe, I can not do anything. I am enclosing a screenshot of the ones I somehow managed to NOT delete. I am a very busy career woman, and sometimes between my inboxes I have myriad emails daily. I even created spam/delete filters for this junk but I have to manually empty my spam. As a result, I still see that I am held hostage by this junk, and I want it to stop. I even looked up the correct addresses to email a letter to them to insist they stop. Guess what? Despite sending it to the company, it bounced. Because of course! So I guess it takes a federal agency to enforce the regulations. 

Note : The attached picture does not include the emails in my trash folder or the myriad emails deleted over the years. 

Also note that due to a total lack of transparency, it's unclear who is actually spamming me -- AMEX travel services, XXXX XXXX XXXX XXXX XXXX XXXX. Make any and all stop. It took me 30-45 minutes to complete this due to the shady way they hide.
Product: Mortgage

On a line of credit with a balance of {$3700.00} Wells Fargo somehow took over the number one position lien position over my mortgage company. I asked how this could happen and there  response was it happened. I would like Wells Fargo to show me how this happened as I have always had a first mortgage on my home. Wells Fargo also changed the loan type Nowline opened in 2005 that I opened with Wells Fargo Financial to a Wells Fargo Prime Equity line not sending disclosures explaining the changes. I do n't know if there is a annual fee on this account what the fees are, I 'm guessing everything is the same??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is a company that has given me a hard time for decades. I am a member of their data breach Class action lawsuit. 1st they did not even provide me a copy of my free credit until I contacted the CFPB. Which is and was highly suspect due to our history together. Which seems to be personal on their part. I am a XXXX veteran they have absolutely no respect or concern about that. The report my Military status date as recent and incorrect. They have ignored correspondence that I sent from XXXXXXXX XXXX XXXX. XXXX and XXXX papers sent by me from XXXX XXXX XXXX stating that the account in question can be removed due to my sever Military XXXX injuries, XXXX  and hospitalizations which caused the misunderstanding. They forgave me for my serving the country and they understood that my situation wasn't on purpose and unavoidable. XXXX  has refused to recognize. They know they haven't been fair with me that's why they didn't send me a free credit report until I contacted the CFPB. I am complaining about incorrect information on credit reports, shoddy investigations concerning my credit reports, refusal to provide a report until reported to CFPB, Refusal to recognise correspondence proving that said accounts were positive and if not to be removed immediately, Showing accounts in good standing as adverse that account being the XXXX XXXX  account that is paid as agreed, Reporting account said credit granter XXXX said could and should be removed due to XXXX Veteran Status and being positive until injuries and hospitalizations was sole reason for setback. And Treating the council wealthy persons as privileged and XXXX and low income as least important. I have but not yet decided upon contacting the Pennsylvania human relations commission for some type of discrimination due to my XXXX in the military. Please respond to my complaint any other information that's needed and references can be provided. Thank you!
Product: Money transfer, virtual currency, or money service

My money was taken off cash app from scams and wasn't recompensated
Product: Mortgage

I have a XXXX XXXX 30 year fixed mortgage with 3.5 % interest rate. 
We have paid roughly 10 years on it. 
Wells Fargo home mortgage is the lender. 
We have been verbally, in agreement, with deferral for forbearance as the main option of resolution. Our mortgage was hence put into forbearance since XX/XX/XXXX because, I and my wife lost our jobs in XXXX of XXXX due to covid-19. 
Forbearance ended XX/XX/XXXX. However, during the whole forbearance program with Wells Fargo I paid each month towards escrow, to pay insurance and taxes on our property. That escrow payment, as told to me by Wells Fargo representative has been put into a separate inaccessible account. 
Since XX/XX/XXXX of XXXX I have been reaching out to them to find out what to do and find out what they want me to do. I told them that all along I wanted deferral plan unless a loan modification is better. However, the option they have been continually tried to implement into my mortgage is a loan modification of 40 years, and I rejected that! That would cause unwanted results for me along with doubling their profits! It made me angry! Where in the law does it state that a lender because of covid-19 pandemic, a lender is able to treat forbearance differently and double their profit? They have yet to provide me with that information. 
I paid my first entire monthly mortgage for XX/XX/XXXX on XX/XX/XXXX ; Wells Fargo in turn applied my payment to forbearance of XX/XX/XXXX and not XXXX XXXX. So they have me trapped in double jeopardy. Wells Fargo is now controlling my payments, using it towards forbearance, and preventing me from doing business elsewhere. I have been warned I need to make 3 consecutive payments before I can refinance with another lender. Other Lenders have offered me currently 1.75 % on a 20 year loan where as Wells Fargo is doubling their profits on me! Rates are low, historically low! 
I have had 3 other bad business relations prior to this and they are trying to XXXX me again, I want out! If they arent doing business as others, well its time to move on! The plan is I need to expunge my forbearance by XX/XX/XXXX and get refinanced ASAP! 
The population needs to be made aware of this scam! Please help!
Product: Vehicle loan or lease

Our original loan amount with Capital One was for {$32000.00}. However, a portion of the loan amount was refunded after we canceled the maintenance package and warranty packages that we were highly pressured into buying. Approximately {$3000.00} was refunded. So the loan amount was approximately {$29000.00}. Our payment amount is XXXX each month. The interest rate on the loan was 12.25 %. By the time we are done paying this car we would have made {$47000.00} for this car. Why am I paying almost {$50000.00} for a XXXX XXXX XXXXXXXX XXXX with XXXX miles on it? This was a predatory loan. They asked us how much we could afford each month. XXXX XXXX in XXXX used high pressure tactics to get us to buy a car we didnt want or need ( we were using a XXXX car which literally was costing us less than {$650.00} a month and we didnt have to insure it! ) I would like to see some accountability for why Im paying almost XXXX for this car when the interest is supposed to be 12.25 %. The high pressure tactics and lack of truth in lending lead us to sign for a loan that we never wouldve signed on if we knew it would cost us almost XXXX! XXXX XXXX nor Capital ever showed us the truth in lending and how much we were actually paying!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX  XXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Product: Checking or savings account

Problem # 1 The month of XX/XX/2021 I realized that I was " not receiving Comerica Bank Alerts, " I then contacted COMERICA Bank XXXX XXXX and was told that all my set bank alerts were all " deleted " because I changed Mobile Phone Carriers. The Phone Numbers stood the same only the carriers changed therefore nothing should have changed. 
Problem # 2 On XX/XX/2021 I went to a different COMERICA Bank XXXX XXXX and made a {$900.00} withdrawal from my SAVINGS account and did NOR receive a Text Alert of the withdrawal, on XX/XX/2021 at approximately XXXX using the COMERICA Bank App and my internet connection was " cut off '' I then used the internet ( and not the app ) and discovered that the {$900.00} was being set for deduction on my " CHECKING '' account which would have caused " insufficient funds, insufficient fee and a " late Rental Fee, return fee " these incidents were a calculated move to cause an abundance of " FEES " and was conducted by a COMERICA BANK iT Web-Development Manager/Supervisor with override authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.