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

I had an account that was closed due to me being lied about by XXXX and XXXX XXXX. I had put in my original application when I first opened my checking account that I received social security. XXXX XXXX started a confrontation with my mother but the police stuck up for XXXX XXXX even after we had told the police. 

When she told my mom why don't you take your XXXX XXXX XXXX back in your home. XXXX and XXXX were both screaming at my mother using profanity but then whining and crying to the police that my mother screamed at them in front of their son. When XXXX had his son hanging on his shoulder screaming at the top of their XXXX at my mother. 

How would he feel like. If I screamed at his mother like that. My reputation was tarnished when they told the police I was filming their kid along with their friends kid also. Which I never did. This lie along with me being XXXX XXXX was being spread around Wells Fargo bank. XXXX and XXXX are the criminals here not us. Everyone seems to believe their side of the story. 

Banks are responsible for their employees action. If they went in customers private information to look at their application. Because I listed I received social security. 

Wells Fargo bank owes me for mental anguish harassment abuse because they told this to their friends and family. 

XXXX XXXX was insulting my mom telling her how poor we are. How does she even know who we are to begin with? My private information was compromised buy XXXX and XXXX XXXX. My life has been in emotional turmoil and XXXX XXXX is responsible. 

My life has been a nightmare ever since. I have no peace I lost enjoyment of my life. Because of these false accusations. And the hate slur she called me. 

When she told my mom why don't you take your XXXX XXXX XXXX back in your home. She said it where the whole neighborhood could hear it. 

There friends heard it and they were standing outside on their front porch. But my mom got the blame for everything. I lost my checking account and so did she.
Product: Credit reporting or other personal consumer reports

( SEE ATTACHMENTS ) ... .Consumer Reporting Agencies XXXX XXXX XXXX XXXX Experian. XXXX ) are unlawfully reporting inaccurate information and non-public personal information that is not only hindering my ability to extend my credit for personal, family, and household needs, but it has also caused mental anguish, defamation of character, and my overall ability to operate in commerce. I believe the consumer reporting agencies have not been meeting their reasonable procedures in a manner that is fair and equitable. I, XXXX : XXXX XXXX am an XXXX XXXX XXXX XXXX XXXX. I am the living beneficiary, executor, attorney-in-fact for the person/estate/cestui que trust XXXX XXXX. Pursuant to 15 USC 1681a ( 2 ) ( section 603 of the Fair Credit Reporting Act ) " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Per 15 USC 1602 ( i ) the definition of the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card was the device/credit card used to obtain money, property, labor, or services on credit. Additionally the organizations/companies/financial institutions reporting these inaccuracies violated my privacy by disclosing my non-public personal information to non-affiliated third parties without giving me the full 'opt out " disclosures. This is a violation of 15 USC 6801 and 15 USC 6802. Furthermore, I filed a UCC-11 Search regarding any debts, liens owed to me the consumer ( I have attached a certified copy ) and there are no debts or liens placed on the consumer. This has led me to believe that companies and consumer reporting agencies are conspiring against me and attempting to extortionate me the consumer to collect or attempt to collect any extension of credit which is a violation of 18 USC 894.
Product: Credit card or prepaid card

Dear Investigator, I made a payment to pay-off the full amount due on my account for over {$10000.00} in  XXXX   2017 . It was indeed deducted from my checking account and it seems the account was closed by the credit card company without notifying me the card holder. This is a poin t I ( Dispute ) ho w the unprofessional behavior of this credit card firm is causing me serious concerns. It seems they claim it has not been paid up to date. I wrote them a official letter requesting a full detailed summary of their actions. Never have gotten a response to the letter.
Product: Credit card or prepaid card

Ive tried disputing scams and unauthorized transactions multiple times and cashapp support provides a lack of customer service or support period. They dont fully investigate like they are supposed to and Im out of {$1600.00} due to a scam that I need reversed in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREFERRED LEASE # XXXX payment history was corrected with XXXX and XXXX, but Experian is still displaying late payments, which is not true. Please correct payments history as this account was never late as the other XXXX and XXXX has made the correct changes.
Product: Mortgage

On XXXX17 my automatic mortgage payment deducted {$890.00} from my savings account to pay my mortgage. On the same date, I deposited {$900.00} to cover this amount in full. On my electronic statements both of these transactions are listed as being completed on XXXX17. I then received an insufficient funds notification. Their company policy according to service reps I have spoken to in the past is that if a deposit and withdrawal take place on the same date then there is technically no insufficient funds. The payment " presented '' the day before and therefore charged me for insufficient funds for a transaction that would take place the NEXT BUSINESS day.
Again, I am penalized for funds not being available the day BEFORE the financial transaction posted and was withdrawn from my account. Customer service argues the semantics of this magical " presentation '' of my payment rather than accept responsibility for an error in their policy vs practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, Equifax and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, Equifax or XXXX. 
Additionally, XXXX XXXX XXXX website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.
Product: Student loan

Around XX/XX/XXXX I called Mohela to ask about paying ahead on my student loans, I was told that any amount over what was due would be put towards future payments and then I would be " paid ahead '' and wouldn't owe money until some future date. In XX/XX/XXXX ( around XX/XX/XXXX, my due date ) I made a payment of {$2500.00}, this would pay approximately 12 months ahead ( monthly payment due is {$190.00} ). However, Mohela failed to disburse the payment evenly to all loans, leaving me with a payment of {$84.00}. When I called on XX/XX/XXXX to ask why I still owed money despite paying ahead, I was told that if I made the payment {$84.00}, I would be paid ahead until XX/XX/XXXX. I asked for this information in writing and said it would take about XXXX calendar days ( 5-7 business days ). Today, XX/XX/XXXX I called to ask the status of the letter I requested and was told that this was cancelled ( by Mohela ). Upon further discussion with the customer service rep ( XXXX ) I was told I would not be paid ahead until I paid {$84.00} every month until XX/XX/XXXX. This information contradicts previous statements from Mohela CSRs. I just want clear and concise information from Mohela and to be paid ahead ( mostly so I don't have to deal with this XXXX awful company but once a year ).
Product: Payday loan, title loan, or personal loan

-Installment Loan Account # XXXX - Effective date XXXX. Amount financed {$2500.00}. Payment schedule : 51 biweekly payments of {$190.00} starting on XX/XX/XXXX, 1 payment of # XXXX on XX/XX/XXXX. 

One payment skip allowed, and taken. Email from Cash Central dated XX/XX/XXXX confirms new payoff date to be two weeks from the original payoff date of XX/XX/XXXX, XX/XX/XXXX. Enclosed below. 

XXXX, Thank you for your email. As of today, your maturity due date shows XX/XX/XXXX to be paid in full. If you have any additional questions or need assistance, please respond back to this email or give us a call at XXXX. 


Thank you, XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX When I called this morning to confirm payoff, Cash Central refuses to acknowledge both contract and email - they claim a balance of {$1400.00}. They are unable to account for this.
Product: Debt collection

XX/XX/2020- Sent communication to Equifax regarding inaccurate information/ violations on my credit report. 

XX/XX/2020- Sent communication to Equifax regarding inaccurate names, addressed, and social security number. 

XX/XX/2020- After waiting the 45 business days after initial dispute letter ( XX/XX/20 ) I sent a letter regarding their failure to respond. I included my original dispute. Requested that these accounts be deleted due to no verification. 

XX/XX/2020- Sent a factual dispute via certified mail regarding the inaccurately reporting accounts that have not been verified. I attached a screenshot requesting immediate deletion and my proof of identity. 

I have yet to receive any information regarding an investigation. When logged into the site it states that I have disputed the accounts and that is all. No verification. No Communication. No deletion. For three months. 

I have also completed multiple disputes for addresses online. I receive final reports of the dispute online saying that the addresses have been deleted and they are still visible on my credit report. Most of these reported addresses are not actual addresses at all. I have attempted to call Equifax with no results. I was placed on hold and disconnected.
Product: Debt collection

They wont send anything physically or digitally to provide documentation that the debt is mine. There is no proof that the debt belongs to me & they wont provide it. The debt is not mine & now it is showing up on my credit report & my credit is now being ruined from a debt that does not even belong to me. Their customer support hotline is useless. The employees do not care to give helpful information or supply any written information. Scammers trying to collect money and somehow got my information. Please help
Product: Student loan

Requesting certification of former employer since XX/XX/23 ( XXXX XXXX ). The certification has yet to be completed and there is no resolution date in sight. If this employer is certified, I would qualify for loan forgiveness immediately. 

I've sent the requested supporting documentation ( IRS Form 990s, Articles of Organization ) and have followed up several times : XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23.
Product: Checking or savings account

{$8300.00} was withdrawn from my checking account. 

XX/XX/2021 XXXX - {$3500.00} " Ewithdrawal '' Pin code authorized XX/XX/2021 - {$4500.00} withdrawal slip with my name printed I called chase fraud department and said there's fraud activity on my account, they said they can't see the full details at the moment and to have my call back the next day in case there's accounting errors that would resolve itself. 

XX/XX/2021 - few hours after the call with Chase - there was an ATM withdrawal of {$360.00} in the XXXX NY ( I can't see location of it anymore from my app ) according to my Chase app so I called Chase again. This time they said they'll freeze my account and look into it and credit me. 

XX/XX/2021 - Called chase bank fraud department to make the claims for the {$3500.00} and {$4500.00} withdrawal since the details finally shown up. {$360.00} was credited to my account. 

XX/XX/2021 - I created a new checking account with Chase and transferred the remaining balance to a new account. 

XX/XX/2021 - Called chase again to follow-up - agent mentioned I should be receiving a fraud packet that needs to be signed, notarized and returned to chase. 

XX/XX/2021 - received packet from chase and filled in the information regarding to the fraud. 

XX/XX/2021 - Chased reversed the credit of {$360.00} so now the " hacked '' account shows a negative balance of XXXX. 

XX/XX/2021 - Chase credited {$3500.00} and {$4500.00} to my checking account. Current balance is {$7600.00} and not the full {$8000.00}. 

XX/XX/2021 - Called chase and asked about the {$360.00} - supervisor " XXXX '' states that it was a pincode ATM transaction done in one attempt and that was the determining factor on why it was denied. I explained I never lost my card, I had it in my possession the whole time but this truly happened and it's not me. She said nothing can be done about it and that people lie all the time and that she doesn't even have access to my pincode. I'm shocked that she doesn't think something like this is possible, I'm living proof that it's possible and I'm just livid at her explanation. I went into chase bank same day to file a complaint but haven't heard anything back yet.
Product: Checking or savings account

I had my tax refund in the amount of {$32000.00} deposited into my chime account on XX/XX/2023 on the same day my funds were deposited I sent some money to a family member to help with pay rent immediately after sending the funds chime put a hold on my account and asked me to verify some information which I did shortly after submitting the documents to them they then asked me to send the verification that the funds were intended for me and where the funds came from which I again sent them the information and documents to confirm that the funds were mine and intended for me after doing so and after four days of waiting they proceeded to close my account with my funds still in the account and told me I cant have access nor will my money bet sent out in a paper check. Ive called them multiple times and spoken with multiple people and every person I spoke with informed me that I indeed sent every document needed to regain access to my account but they do not have the authority to open my account that the back end office had to do so but they keep giving me the run around i have stated to them that I needed access to my funds so I can pay my bills and that I have a child with a XXXX that I have to get things for as of this moment I have {$28000.00} in that account with no access to it I have done everything asked of and have yet to be told whats happening with my account all chime keeps doing is sending me repeat emails asking for the same information Ive already provided to them. I truly need some kind of help getting this matter resolved please.
Product: Mortgage

This complaint is being filed by XXXX and XXXX on XX/XX/XXXX. In reviewing XXXX credit reports for both myself and XXXX we found that the mortgage department of JP Morgan Chase was running credit inquiries on both of us. This report shows the inquiries started in XX/XX/XXXX through XX/XX/XXXX They would alternate the months between myself and XXXX. The inquiries stopped for seven months they resumed XXXX, and they have continued running the inquiries in alternating months on both of us. Running inquiries on customers that have a mortgage, that has already been approved is in direct opposition to the policies of JP Morgan Chase. 
The policy of the bank is after the mortgage has been approved no additional inquiries need to be made into their credit history. Per the Fair Credit Reporting Act all inquiries into a customers credit history are to be work related, running credit inquiries into a person personal credit history for any other reason is in direct violation of Fair Credit Reporting Act Our loan is a FHA loan with a fixed interest and is in good standing. 
By Chases own policy there is no reason to continuously run inquiries into our credit history and by obtaining these inquiries when there is not a work related reason violates the Fair Credit Reporting Act. I am asking on behalf of myself and my husband XXXX for this incident to be investigated and determine what purpose is our credit history actually being used for, because these inquiries are not work related.
Product: Checking or savings account

On XX/XX/2022 I made a deposit at a navy federal ATM inside a XXXX. This ATM was supposed to be owned by navy federal. It has navy federal badging and the navy federal logo is on the home screen. On that day I Deposited {$200.00} in {$1.00} bills into the ATM.. However, it only shows in my account a {$20.00} deposit. I called navy federal about the situation. They advised they would start a claim and it would take up to 10 days to issue a provisional credit. I advise that I provided documentation of the receipt to navy federal via my mobile app showing what I had deposited into the ATM. Still I was told there was nothing that could be done that this was a XXXX party ATM M.. I again expressed to the representative that it was not a XXXX party or a Co-Op ATM it was a navy federal AT was ATM I was then a in advice by XXXX a supervisor whom I spoke with on XXXX the XXXX at XXXX PM Eastern time that the ATM was a navy ATM Co-Op ATM. I express to XXXX now the story has changed initially I was told it was a Co-Op ATM then I was told they saw it was a navy federal ATM and then I was told no it was a combination of Both. Long story short navy federal has failed To make a diligent effort To rectify the situation. In summary I deposited {$200.00} was only credited for {$20.00}. It was. I provided the receipt from the transaction yet as Of this statement XXXX the XXXX I've yet to have a resolution. 



The atm is located at XXXX on XXXX XXXX XXXX XXXX, Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXXXXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIONDXXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE
Product: Mortgage

I purchased a home in 2022 with a 4 % interest rate and was told that my monthly mortgage ( with taxes and insurance in escrow ) would be {$3000.00}. 

It is now $ XXXX/month ; a 10 % increase. 

My property taxes went up $ XXXX. and insurance is about the same. When I called Wells Fargo they said that I had an escrow shortage and then hung up on me. 

A {$3400.00} a month payment is very different than one that is about $ XXXX. Wells Fargo did the underwriting and the escrow analysis. I would have made a different choice if I knew my mortgage would have been {$3400.00}.
Product: Mortgage

I have been trying to secure a loan modification with Bank of America for over 2 years now. I have experience poor service from Bank of America. I have written a number of times regarding the rough treatment I have received in letters which Bank of America has dated XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX. I was told by XXXX XXXX XXXX yesterday that she would call me back today between XXXX and XXXX. After holding on the line with XXXX XXXX XXXX from XXXX until XXXX I was finally connected with XXXX XXXX. It seems that we had a miscommunication on when we would meet by telephone. My conversation with XXXX XXXX, I indicated that my home is over {$120000.00} underwater due to maintenance issues in my kitchen, bathroom and foundation. I asked that some or all of my principal balance be forgiven and XXXX XXXX said that while B of A owns the loan as investor, principal forgiveness was impossible. I have appealed to bank of America in good faith because I believe it would be fair for them to give me some relief from my principal balance. If relief was not given to B of A in XXXX and XXXX, the Bank would no longer be here. I have been told by XXXX XXXX XXXX XXXX office that B of A does principal forgiveness. This process has been very stressful with hours and hours of phone wait times and representatives who passed me from XXXX person to another over and over.
Product: Checking or savings account

I have a checking account with Chase Bank in XXXX, CA. This is a Trust account which has been with the bank for many years. Recently bank requested trust documents for verification that I submitted. Bank restricted my account without any written explanation. My calls at customer service number did not yield any result. I requested the bank to send my money by check if they did not wish to have the Trust account any more. I am not getting the money, nor any explanation from the bank. Please help me resolve this ASAP. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The addresses reported on my credit report are not mine. Transunion completely ignored our request to remove the wrongly reported address. I am in the process of buying a house and this is causing dearly.
Product: Credit reporting or other personal consumer reports

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Amount : {$25000.00}